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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.( s3 U" c1 i* G# \# n0 b1 B3 b$ }
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.# y+ ^( l3 f% ~' [/ U. Z
It is always better to buy when it is on the way up than it is on the way down., o( \; H# j" q$ V5 W; B: w& r
For example, the condo average price is around $240,000 this March, now it is $270,000.) Z, Z* Z. a* r; ]
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 $240,000.
# f  Z! E, {) q; b+ z9 n7 VI will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.
7 _; w9 d. D$ j6 C) cIf 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,9 t( D* o( h! F2 i1 D: e& W
your mortgage interest rate may have reached 6%., p9 ~/ Y0 J2 O/ U3 {1 m
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.4 H0 F$ B# @2 Z
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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
; Z3 N' D6 `- Mif 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
3 V  Y: T" ~# M1 X# R. W# R0 Ucondo with $1000/month rent)  Total: $344,040$ A2 O# g. D% I/ i8 x8 f9 D
if you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600
/ Q% a/ ~* F3 Q% ~! FWe can see what is the best, when it is on its way up, worst?when it is prime(peak).! R3 `0 b$ X0 u) Z
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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.
% ]4 K; L: \1 D0 B; R! }7 ZCannot it be $270,000? Cannot it be $280,000?
$ W8 h4 R& X" k  N% lSo, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.6 s4 ]6 V) R- R
For me as a property investor, I will always tell everyboy, it is a good time to buy,( b# D9 \' \5 _- s0 h* {, F! O- N
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,3 g3 _0 B1 y$ F9 h9 ^. {
then they will switch to my line and try to "HouHou" to push the market up.
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" k( `; s" J2 _7 F! T  {- y) o6 uHuman weakness.
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- {2 B' f8 ~0 x( a% @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。
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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
* P* d' |. |9 G3 }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,+ N; e- |; Q. _6 `
then they will switch to my line and try to "HouHou" to push the market up.- p5 `0 n) Z/ I1 ^& ^5 R+ x

3 v3 h$ Z0 F# Z! H4 L, t+ aHuman weakness.
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( `- ~/ X0 I* wWell, 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。
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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.
理袁律师事务所
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发表于 2007-10-15 07:49 | 显示全部楼层

' ?9 v! H& p) L装不了中文软件也没关系,用这个:. r5 q' p& ~; K1 r* C
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 * h3 C( H4 T% _* W/ L' Q
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$ _1 [: G! z$ s, ?- p1 T7 I8 m1 X. u永远看牛或者永远看熊的,那是猪。
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Z
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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
$ [" s/ [# D! NI 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.8 f8 p' ]* d2 B

$ W2 w2 ]% u6 {, BI will buy a house, at the time and location of my choice.
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