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When to buy

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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.' m% f/ |/ p  f3 z
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.
5 I6 m8 x: @$ P3 aIt is always better to buy when it is on the way up than it is on the way down.
6 H) e7 F% C- y; N/ |* O$ s  FFor example, the condo average price is around $240,000 this March, now it is $270,000.+ ^$ G% c. G7 u1 k8 z
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 $240,000.
9 S: m" T% V1 @1 P2 kI will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.
4 W$ X! R1 o4 B6 u: `! zIf 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,5 a' Y1 K4 C/ T$ Z: _" o( N
your mortgage interest rate may have reached 6%.6 X! H! S, q. d( u. t4 y3 O4 }0 F
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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OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,0002 C& S& _2 W, F( `
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 ! }4 A- d9 Z: N0 f/ \
condo with $1000/month rent)  Total: $344,040
" Q$ V, d% w3 t4 Z; |: A' K  d2 Yif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,96002 c6 e, z$ V* O& R7 y1 A4 j/ B5 y
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.
2 {! P6 V1 U+ A1 d* E0 X& [5 eCannot it be $270,000? Cannot it be $280,000?# P' `3 v0 c+ _, Z
So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
" _( z8 @1 T) {* o1 ]For me as a property investor, I will always tell everyboy, it is a good time to buy,1 U% h( J& G3 v2 u' o# e2 w! J
For those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,  M# R4 {) e* Z; Y# Y- g
then they will switch to my line and try to "HouHou" to push the market up.
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Human weakness., Q/ @; i$ f1 f& ^$ _; u, G8 Y

3 S7 `, S! m/ s% x, xWell, 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 9 V; Y+ ?+ Y3 H) q+ j7 Q( s( H
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,
! L$ L. E7 O4 ]& E3 T7 f7 hthen they will switch to my line and try to "HouHou" to push the market up.2 L* x; B& ]  e) I; B5 {

0 a4 s4 g2 k! L! JHuman weakness.1 `. ?6 k0 L" `% f( C

* d5 D) O8 V4 i7 @# AWell, we are human, we have it.

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( K  G7 H3 R$ _. s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。, X6 H/ |1 ^- ~- k: K) O
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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

, K& t; M4 V" m  B装不了中文软件也没关系,用这个:
* ]0 C* G, R9 r" V- Z5 l0 a" dhttp://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
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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 ' \0 n) i: h6 C( v/ w4 b: H  m# B7 i
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.8 i( e7 H. O  p: E3 @5 z

# A) e8 V  j/ F3 HI will buy a house, at the time and location of my choice.
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