f***E
发帖数: 174 | |
n***s
发帖数: 10056 | |
m********8
发帖数: 938 | |
p******s
发帖数: 2552 | |
r*****n
发帖数: 140 | |
a*******7
发帖数: 772 | 6 涨的虽然快，但是从历史上来看还是不高。
早买早享受，跌了还可以refinance嘛 |
k***e
发帖数: 1931 | 7 refinance一次不也是要交五六千块钱的额外费用。。。
【在 a*******7 的大作中提到】
: 涨的虽然快，但是从历史上来看还是不高。
: 早买早享受，跌了还可以refinance嘛
|
r*****n
发帖数: 140 | 8 做无费用重贷（No cost refinance）就是了。
【在 k***e 的大作中提到】
: refinance一次不也是要交五六千块钱的额外费用。。。
|
w*****m
发帖数: 20421 | |
k*z
发帖数: 4704 | 10 It is not true when ppl say this rate is the bottom of the rate in history.
You have to look at this way. What's the median housing price to median home
ratio, and how is it correlated with the rate.
back to 1980s when the intereste is 15%, the nominal median income is 20k,
and nominal median housing price is 80k. The price to income ratio is 4. The
adjusted inflation income is 50k against 2015. It is 50k!.....
Today, the nominal median income is 53k, the median housing price is 320k.
The price to income ratio is 6.
There is a multiplier when housing price increases faster than income due to
its weight and size of debt. It means that ppl has way less consumable
income
for other stuff when house price grows too fast. The housing price plays a
big role in old CPI system compared to the current CPI calculation that
assigned more weights to consumer goods and products such as automobile,
electronic and food.
Using a simple example, the first year interest, it is 80k*0.15=12k, it is
12k/20k=0.6. For the same thing to happen again, the interest rate need
increase to 10%.
It tells you that there is no way for interest to goes back to 15%, even not
8%. When it does, the housing price will be slammed. |
|
|
f***E
发帖数: 174 | |
l****g
发帖数: 5080 | 12 利率上升区间如何1refinancs?
【在 k***e 的大作中提到】
: refinance一次不也是要交五六千块钱的额外费用。。。
|
g*q
发帖数: 26623 | 13 利率真上去了,房价就piaji了
【在 p******s 的大作中提到】
: 利率还会涨
|
w*****m
发帖数: 20421 | |
T****L
发帖数: 1203 | 15 个人认为利率是为买房服务的，而不是反过来，如果有买房打算，应该先去看看房子，
如果有遇到非常合适的就出手，否则就先观望一下
【在 f***E 的大作中提到】
: 观望中。。。
|
f***E
发帖数: 174 | 16 说的有道理 谢谢。
【在 T****L 的大作中提到】
: 个人认为利率是为买房服务的，而不是反过来，如果有买房打算，应该先去看看房子，
: 如果有遇到非常合适的就出手，否则就先观望一下
|
d*****u
发帖数: 60 | 17
.
home
The
to
赞分析
【在 k*z 的大作中提到】
: It is not true when ppl say this rate is the bottom of the rate in history.
: You have to look at this way. What's the median housing price to median home
: ratio, and how is it correlated with the rate.
: back to 1980s when the intereste is 15%, the nominal median income is 20k,
: and nominal median housing price is 80k. The price to income ratio is 4. The
: adjusted inflation income is 50k against 2015. It is 50k!.....
: Today, the nominal median income is 53k, the median housing price is 320k.
: The price to income ratio is 6.
: There is a multiplier when housing price increases faster than income due to
: its weight and size of debt. It means that ppl has way less consumable
|
s*****a
发帖数: 3387 | 18 关键是你能否找到好的DEAL
rate is just a bonus |
s*****a
发帖数: 3387 | |
l****g
发帖数: 5080 | 20 cash 也没啥好。买房不过是防通胀, 利率一上, 房价就跌, cash的投资立刻就显出损
失, 就看通货膨胀和贬值哪个厉害了。这种风险总是有的, 因为利率低时, 什么可以投
资的东西价格都会高。
【在 s*****a 的大作中提到】
: 再说很多都cash deal
|
