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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.9 i8 k/ r' ]8 e3 a# n' q) k/ o+ C+ q  Q
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year., m8 {6 \$ o# A5 i2 _
It is always better to buy when it is on the way up than it is on the way down.; d# ]3 H$ d3 k; {) d
For example, the condo average price is around $240,000 this March, now it is $270,000.
. A' J5 B! t5 K) k' PSay, 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 $240,000.4 w8 n! q* _; R
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 l( v% C3 P' ]4 J
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,
$ Q# X/ D- O+ S* a: ^your mortgage interest rate may have reached 6%.' U/ k) i$ y4 p4 Q4 q+ o# O% a
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.5 F( X( F$ t8 `2 C5 D

  Y9 l& O: C5 [0 r, IOK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000
4 B& v; [8 c% e5 Gif you buy it now, $270,000, interest rate 5.6%.   interest(4 years and 6 months) $68040 plus 6 months rent = $6000 (you may not get the same ( g" q$ M3 A3 c$ A, `# [
condo with $1000/month rent)  Total: $344,040
" X& c5 n8 |6 u4 h9 W" @0 Aif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600" [: q8 q. s6 o4 Y+ H
We can see what is the best, when it is on its way up, worst?when it is prime(peak).% o5 m5 D) T1 H+ [
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So, those who have waited, may have to wait another 6 months. However, who can say the price in next March will be $240,000.' h5 J6 G' G/ l2 C! ]% I' i. }/ d$ a7 J
Cannot it be $270,000? Cannot it be $280,000?8 I: T0 q- f* u* l8 M
So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.7 V7 z1 D1 g0 K6 |4 f  V
For me as a property investor, I will always tell everyboy, it is a good time to buy,
* |) h' e( b$ u6 S& ]  ~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 t+ i  j+ X
then they will switch to my line and try to "HouHou" to push the market up.
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* Z. V! r! s: F6 q8 ]Human weakness.+ Z  }  `1 D- G, ^( ?
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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。
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 L2 c0 q# ?) r* x0 f5 _# yFor 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,* `2 I1 q, |- c. m" u# i) ?
then they will switch to my line and try to "HouHou" to push the market up.* e1 A' V, D' D- E" j" _

5 o  ?( F) N; N8 Z2 T; LHuman weakness.. t/ I8 ?( _; k5 y0 S# M
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Well, we are human, we have it.

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1 t% V) A0 k" [# j1 T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。. c( D% \; S5 N3 k& X
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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:
2 P* C" X/ f: y) b) {9 `0 Chttp://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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永远看牛或者永远看熊的,那是猪。6 h/ N* K1 j- S- M. t' W+ A

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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 + o  V1 h* E  A) i! r
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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