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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.6 w: Y- ]) w. y! U
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.
0 o: S4 O9 F; C5 V- E4 i' I) a. RIt is always better to buy when it is on the way up than it is on the way down.
( N; U- O3 W1 g  p1 WFor example, the condo average price is around $240,000 this March, now it is $270,000.- S7 ]9 z  v  W) L2 l
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 $240,000.3 i: G( t7 u7 u' V$ K
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.
; C2 G7 l6 q, A( hIf 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,
3 [7 {0 F+ L2 Z+ u; yyour mortgage interest rate may have reached 6%.% K$ v. S' K& l9 Q
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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4 @) Q5 _( b. t, t. d+ S2 m2 b4 mOK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,0006 g8 g3 r+ `+ k% b- w9 D% N$ q; h9 l
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 6 r' Z" M3 e( F- i% _5 J  I
condo with $1000/month rent)  Total: $344,040
* x0 C+ I6 w! \) c% s* \if you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600
# i1 C4 [- t5 w1 C7 T$ WWe can see what is the best, when it is on its way up, worst?when it is prime(peak).. L& T- V8 Q+ V6 l

2 s- Q. f: l( N+ b3 d) g4 USo, those who have waited, may have to wait another 6 months. However, who can say the price in next March will be $240,000.
9 c' [! M, }7 [$ k; \8 f# j8 I* zCannot it be $270,000? Cannot it be $280,000?. ~/ n& N5 {; e  B- y3 w
So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
) T9 i% p4 X4 B4 ], S2 O) uFor me as a property investor, I will always tell everyboy, it is a good time to buy,
' s6 ]( r9 q3 ]" V7 F& zFor those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
( s6 V0 N0 I. ], r$ C' ~then they will switch to my line and try to "HouHou" to push the market up.
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. P+ r2 t$ z  h0 R: D7 |Human weakness.1 [! u5 R7 u+ H4 h" W2 F/ @
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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
大型搬家
Z
鲜花(0) 鸡蛋(0)
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
. [' A# A1 ~0 f8 L! a! q, R$ b" AFor 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,
. A5 u: m7 \" K) j4 ^& Dthen they will switch to my line and try to "HouHou" to push the market up.  ~) J) i$ D  g$ v9 u
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Human weakness.
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) w# v% ^% v$ Y. g" }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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能在恰当时间改变阵营的才是识时务者为俊杰。
鲜花(0) 鸡蛋(0)
 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:6 k) K" C- c4 n! w$ w
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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- t% I; h$ u* F# s7 G永远看牛或者永远看熊的,那是猪。" N  a' k3 j* \4 f( I- _
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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 % E) I) v' @. i, l6 r8 l5 n
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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1 }  k9 a$ s  `. R9 L' k8 U9 Z& LI will buy a house, at the time and location of my choice.
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