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When to buy

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发表于 2007-10-13 10:58 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
So many people have been waiting the market to slow down from last year, some of them have the down payment to purchase this spring.0 G2 T% v2 A+ u. i
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.
9 t" s7 ~5 F9 [3 bIt is always better to buy when it is on the way up than it is on the way down.& a3 X) g7 b. u2 w9 _# s( O
For example, the condo average price is around $240,000 this March, now it is $270,000.  c4 F1 E7 w; A/ E
Say, it is at its prime now even though there is no sign in the condo section yet. Can any body guess, when it will come down to $240,000.% ^) M0 w' F2 h5 R6 W4 z6 G  b, a
I will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.
, v# i8 H9 V' E2 v$ XIf you have purchased that unit this March, you will get the interest rate at 5.0. If you get it now, you may get 5.6. If you get it in 6 months,
7 o  o. u  O2 r/ Yyour mortgage interest rate may have reached 6%.+ y- ]3 p$ ^* a! g
House market will not go down if the interest rate is low, so if you want to buy a low price house when it is over priced, you will have bear the high interest rate.
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& u* c$ |' h' p  IOK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000" M; j" \' S# d' n4 S* o  k
if you buy it now, $270,000, interest rate 5.6%.   interest(4 years and 6 months) $68040 plus 6 months rent = $6000 (you may not get the same
( \; l. A, P3 I# M3 F  @6 qcondo with $1000/month rent)  Total: $344,040
  o- X. u6 ]( c" Z5 v- e5 t; r; r7 Nif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,96002 b5 E9 u' |8 p1 J* a4 w4 d. B" X
We can see what is the best, when it is on its way up, worst?when it is prime(peak).
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/ G4 n- W9 U. s# J# a  l4 FSo, those who have waited, may have to wait another 6 months. However, who can say the price in next March will be $240,000.6 V! _1 f. h$ }+ B, d: a/ T2 H) z
Cannot it be $270,000? Cannot it be $280,000?9 [: }, |$ A- Y2 a
So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
4 _' u& D. G5 y9 x1 [6 S3 ]For me as a property investor, I will always tell everyboy, it is a good time to buy,
$ \, t4 s- s% m1 V/ d7 HFor those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
# T9 F4 x  ^: `5 x( L* |; }6 ithen they will switch to my line and try to "HouHou" to push the market up.& [; c& f& ^% _; P* r: l

7 Z3 Y4 L6 G  s) _- w6 hHuman weakness.# S& ]! Y+ q+ ~' |) y3 s+ S) E

. u& Z  Q, e7 ?, O) M  jWell, we are human, we have it.
鲜花(4348) 鸡蛋(18)
发表于 2007-10-13 22:39 | 显示全部楼层
英文帖子一般没有很多人回。lz还是装个中文软件吧。顶一下。
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发表于 2007-10-13 22:40 | 显示全部楼层
Z
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发表于 2007-10-14 09:15 | 显示全部楼层
老杨团队 追求完美
原帖由 Crassula 于 2007-10-13 11:58 发表
7 V2 R$ F3 f8 `6 o, LFor those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,% N7 ?, ?. b- ?* V1 {, M
then they will switch to my line and try to "HouHou" to push the market up.
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Human weakness.% m3 ~8 J2 s0 S0 T

& z* }% n+ r4 z5 KWell, we are human, we have it.
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4 M* x3 r7 e2 Q/ E呵呵,我不认为这是人性弱点。永远看牛或者永远看熊的,那是猪。! N4 N& U$ M8 V& X

; s8 y) l0 E' [' S: U能在恰当时间改变阵营的才是识时务者为俊杰。
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 楼主| 发表于 2007-10-14 09:41 | 显示全部楼层

回复 #4 Z 的帖子

I hope you are not 猪, and can have house sooner and become one of us.
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发表于 2007-10-15 07:49 | 显示全部楼层

5 u7 X8 s# s# m# V: X8 g. N装不了中文软件也没关系,用这个:7 `2 E0 b$ A! W$ g4 p1 i
http://www.o-cj.com/simo/index.php#
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发表于 2007-10-15 07:50 | 显示全部楼层
老杨团队,追求完美;客户至上,服务到位!
原帖由 Z 于 2007-10-14 10:15 发表
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1 s+ \* j* Z  Y5 L7 Z* C永远看牛或者永远看熊的,那是猪。# Y9 y& W4 T  ]' a

% ^9 e: H( P6 s: u" t1 q
' H  f. T% m' n5 o" t

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Z
鲜花(0) 鸡蛋(0)
发表于 2007-10-15 08:32 | 显示全部楼层
原帖由 Crassula 于 2007-10-14 10:41 发表
! a  l& i2 {5 R: J4 R, J  ?9 e3 SI hope you are not 猪, and can have house sooner and become one of us.
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Yes, I won't be bearish all the time.% w! W6 Y6 Y* O) |0 J' T+ |
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I will buy a house, at the time and location of my choice.
理袁律师事务所
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