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When to buy

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鲜花(0) 鸡蛋(0)
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.. h$ l8 o/ c& j7 l) v
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 N; F2 ^( F, n4 l, Q; WIt is always better to buy when it is on the way up than it is on the way down.+ c5 K. Q# F1 N0 i% @
For example, the condo average price is around $240,000 this March, now it is $270,000.* ]/ z0 a0 D+ a" G# [: X
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 $240,000." e5 t8 i4 j- A# `6 I% B
I will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.0 w9 E1 V( {% V5 ~
If you have purchased that unit this March, you will get the interest rate at 5.0. If you get it now, you may get 5.6. If you get it in 6 months,
/ A! R4 a1 G) ]: P0 \your mortgage interest rate may have reached 6%.
0 g4 q2 a* `( o6 YHouse market will not go down if the interest rate is low, so if you want to buy a low price house when it is over priced, you will have bear the high interest rate.% K$ l8 I: m0 D: p1 m9 o9 h* k
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OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000
8 C  _6 g7 l" S, `5 nif 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 4 d0 s2 `! g- i
condo with $1000/month rent)  Total: $344,040
1 h$ v* }8 c* ]' x7 E* Bif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,96008 H! \/ p  g$ }2 {4 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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0 `3 n4 }5 k. z5 F" k' l2 K7 pSo, those who have waited, may have to wait another 6 months. However, who can say the price in next March will be $240,000.
8 [6 ?# j. [' S1 `, HCannot it be $270,000? Cannot it be $280,000?+ f( H7 E. D0 N( [6 d; B
So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.  j9 m  c4 Q; [4 h
For me as a property investor, I will always tell everyboy, it is a good time to buy,
; Z+ b+ V6 L& T/ g  |For those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
7 K* o9 w7 N  f- @  Wthen they will switch to my line and try to "HouHou" to push the market up.
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$ ^5 f5 L6 C- e/ WHuman weakness.$ K* ?& x- I& H+ Q
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Well, 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。
大型搬家
鲜花(49) 鸡蛋(0)
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 I4 ?; Q$ n$ R$ 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,4 Q" c/ q& a5 [: c+ c! ?
then they will switch to my line and try to "HouHou" to push the market up.
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7 r7 n: z3 ?3 l. c. K- y0 C+ IHuman weakness.2 y2 k0 S. X0 H7 r6 @0 q
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Well, we are human, we have it.
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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。
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0 x2 X8 w! I- {! t) O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.
鲜花(0) 鸡蛋(0)
发表于 2007-10-15 07:49 | 显示全部楼层
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装不了中文软件也没关系,用这个:/ _0 [' u/ _! c/ k0 [( A
http://www.o-cj.com/simo/index.php#
鲜花(0) 鸡蛋(0)
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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/ m8 O6 w$ f# h7 A9 V永远看牛或者永远看熊的,那是猪。/ Z  ^1 H& {/ p) J: Z

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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 8 k: Q4 u$ [: g( Y7 V8 G
I 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.
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I will buy a house, at the time and location of my choice.
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