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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.& k; e! z  g: [# h; T; 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.
# v# B7 F/ D3 S* O+ s! hIt is always better to buy when it is on the way up than it is on the way down.9 U9 p% ~8 Y: p0 j
For example, the condo average price is around $240,000 this March, now it is $270,000.
9 I6 Y8 A. k5 H! }% ISay, 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.. ?9 M* a- w3 k; J* N  o+ l  ?+ W1 v
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.# x. A) L+ i9 j' P2 m3 e5 E
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,& f8 {! o. d' U% t6 l. }
your mortgage interest rate may have reached 6%.
/ i  F: S5 g8 x, h+ qHouse 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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& E/ R6 f( r2 ^" ^OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000
" B& u; ^( C5 @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   V+ I/ ~# g1 ^( X" |
condo with $1000/month rent)  Total: $344,040
- C# k; C/ c3 ~2 K9 zif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600, x4 M- ]0 O! g6 W# A
We can see what is the best, when it is on its way up, worst?when it is prime(peak).
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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 $240,000.$ L) a$ ]) F5 l& d  X) X( o
Cannot it be $270,000? Cannot it be $280,000?
5 D0 P9 U* b6 \1 T# |6 c: GSo, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
- O/ H. |" t; Q! }" J3 l7 p# c$ g4 hFor me as a property investor, I will always tell everyboy, it is a good time to buy,
4 z: t! E/ V' Z# W6 MFor 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,
0 _2 k4 X/ N2 g- ?then they will switch to my line and try to "HouHou" to push the market up.
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Human weakness.
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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
2 f( b/ p/ f" y! R; T1 B: uFor 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,
5 {* l# h7 f! Z* z1 P7 fthen they will switch to my line and try to "HouHou" to push the market up.. d. g7 i! V! ^. B; ~6 B6 s

. i! D, A9 S' `' T: |8 c6 oHuman weakness.) [7 B' J" W6 i( c9 R, N9 u& q
# }0 G4 f2 S' j( }- t' n
Well, we are human, we have it.

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6 ], @* `) S6 y! t- z% 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。
( `- _, {% u: ~7 J9 |2 Z0 u% S7 p& i/ ^
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
( o/ L" I* O7 i* D: U# K
装不了中文软件也没关系,用这个:  c1 ^, v$ x& H& Z
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 9 m1 C% s' e! q7 Q

* i( H& y# l( R- a4 h7 s, @, _7 d0 ^: q/ `
永远看牛或者永远看熊的,那是猪。
5 f: z& O" j4 U# K; d0 Z
6 L: h8 r& W, J; A* m

8 H7 \+ j/ u) w5 d8 k/ ~7 M! }" e( L- m7 f0 _9 a  u# e
理袁律师事务所
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 ( {+ x) a. f7 T6 X( |- T9 d
I hope you are not 猪, and can have house sooner and become one of us.
# O; K# y3 t3 u0 {! N- X5 `. p

* L' E+ z* y. ]Yes, I won't be bearish all the time.9 v* |- c9 X% @5 }3 y/ }

8 b% d' W4 b: n/ o5 v3 S9 KI will buy a house, at the time and location of my choice.
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