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- 2003-08-23
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那里零首付是罪魁祸首:
I feel lost job is also a main contribution.
投资 is different from 投机。Should do pressure test like bank, to sure the life quality is still good and you are not the person die in marketing change even if price down and interest increae. (risk management)
as long as your financial is health, you donot care and you can hold, long term, the price will back up.
federal gov hired lots of people in Ottawa during 2007-2009 so the marketing is hot, now it is cuting 20000 jobs and no hire at least 2-3 years. If you are luck to keep the job, OK, but if you lost, want to sell the house now, no one take over if you sell for a high price, after pay tax, lawyer, 5% 经纪,how many you left?
so, 耐心wait with a cash, and enjoy the life without worry if no price drop.
话是没错的,投资总比投机好。但房产市场是个高杠杆的市场,你不借钱买,自有人借钱买,到时候炒上去,你只能干瞪眼。
我说的那些越南人,就这样被煎熬了10年,最后价格也这回到10年前。
另外,你自己也有自住房的吧,一旦ottawa房价如你所料下跌的话,你的net worth也会大幅下跌的,到时你会有心思买第二幢,用cash?
除非你现在出售你的自住房,然后租房,静待ottawa房市崩盘。