感觉渥城房子价格直升， 且卖的很快！-why?
- 主题发起人 ppmom
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1. I would say, the risk free rate dropped while credit spread increases. Net effect? It depends on the banks balance sheet.
2. Canadian ecomony -> Oil price -> US/global demand -> US/global economy. As far as I know, the US fundamental indicators are going to be worse in Q2 2009, so.......make your own judgement call on the Canadain economy. But, housing market is so-called "market" because human factor plays important roles here. You might have known that from the current stock market.
3. Ottawa housing market is less elastic due to government works, etc..., but it still has slope, it was and is heading downward, though I have to admit that the good weather of spring is having a positive impact on home buyer's moods. But people need time to calm down, again, refer to the recent stock market.
4. My thoughts: houses are unique, you won't find two identical ones. If you like a house and it is within your budget, just buy it with no hesitation. This is exactly the same spirit when you chased a girl who eventually became your wife. In case you have a wife/hus and both of you like the house, just buy it for whatever it takes. My experience is: for more than a year, I have never seen a house that both my wife and I like. Location, floor plan, neighborhood, transportation, builder reputation... there is always something .... Money is a factor as well, but it becomes less important once I am tired of searching.
5. Do not be over serious. You plan to live long term in Ottawa, then buy a house. You might pay 20k or 30k more than the real value of that house (nobody knows how much it is), but after amortizing that amount by 20 or 30 years, it is not that big at all. If you are not sure about the future, just rent an apartment and never say "if I had bought that house......".
6. Do not blame my English. I do not have Windows in Chinese version here.
2. Canadian ecomony -> Oil price -> US/global demand -> US/global economy. As far as I know, the US fundamental indicators are going to be worse in Q2 2009, so.......make your own judgement call on the Canadain economy. But, housing market is so-called "market" because human factor plays important roles here. You might have known that from the current stock market.
3. Ottawa housing market is less elastic due to government works, etc..., but it still has slope, it was and is heading downward, though I have to admit that the good weather of spring is having a positive impact on home buyer's moods. But people need time to calm down, again, refer to the recent stock market.
4. My thoughts: houses are unique, you won't find two identical ones. If you like a house and it is within your budget, just buy it with no hesitation. This is exactly the same spirit when you chased a girl who eventually became your wife. In case you have a wife/hus and both of you like the house, just buy it for whatever it takes. My experience is: for more than a year, I have never seen a house that both my wife and I like. Location, floor plan, neighborhood, transportation, builder reputation... there is always something .... Money is a factor as well, but it becomes less important once I am tired of searching.
5. Do not be over serious. You plan to live long term in Ottawa, then buy a house. You might pay 20k or 30k more than the real value of that house (nobody knows how much it is), but after amortizing that amount by 20 or 30 years, it is not that big at all. If you are not sure about the future, just rent an apartment and never say "if I had bought that house......".
6. Do not blame my English. I do not have Windows in Chinese version here.
Mortgage rate increased? Check any bank site. Now it is only 4.25% for five years fixed.
The price of house increased? Check any builder web site. Which builder's bonus has been canceled? The bonus is reflected in the price directly for some builders now.
在这大放厥词干吗? 今天我还看到ni (zhenzheng de yi位“”师姐)的狂论，着实让我气愤。
Littlecesar
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我无语。一些人的发言证明他（她）们根本就没有谈过MORTGAGE的经历。我和我朋友去年七八月一起谈的MORTGAGE，P-0.9%。我因为买了房子，拿着AGREEMENT磨破嘴皮子多锁定了两个月，现在定下来的就是这个RATE，利率是1.6%。我朋友因为去年没有买成，三个月期限过去，十一月底就作废了，现在是P+1%。两三星期前我帮他谈了个4.05%， 5年fixed，还是只能KEEP3个月，但相比之下高了老鼻子啦。
当然，我那位朋友总有高参说，VARIABLE RATE是会变的。我就奇怪了，为什么一些人谈起MORTGAGE就认为它会飞得老高，一谈起经济股市楼市就认为它们会走得老低。没看到政府和央行的决心吗？那就是不惜一切代价（不管通胀多么严重），经济股市楼市不起来，央行的RATE就不会提升，就接着降，降到零了就开始印钞票。
只谈这一次了，随你们叫也好骂也好，我不会再理了，本来也不是我的事，还得罪了人，被老婆臭骂了一通。
当然，我那位朋友总有高参说，VARIABLE RATE是会变的。我就奇怪了，为什么一些人谈起MORTGAGE就认为它会飞得老高，一谈起经济股市楼市就认为它们会走得老低。没看到政府和央行的决心吗？那就是不惜一切代价（不管通胀多么严重），经济股市楼市不起来，央行的RATE就不会提升，就接着降，降到零了就开始印钞票。
只谈这一次了，随你们叫也好骂也好，我不会再理了，本来也不是我的事，还得罪了人，被老婆臭骂了一通。
你是小学没毕业，算术不及格还是咋的？
那是的P和现在的P是一样吗？
那时的P-0.9% 很有可能比 现在的P+1% 还高一点点，具体看”那时候“据现在多远，中间都将多少次利息了。
那是的P和现在的P是一样吗？
那时的P-0.9% 很有可能比 现在的P+1% 还高一点点，具体看”那时候“据现在多远，中间都将多少次利息了。
总而言之，归纳一下，在这个特殊时间，还拼命唱高，哄抬楼市的为什么无一例外都是只有几篇帖子发表量的新ID呢？ 那么信心满满，把本来ID拉出来遛遛嘛
听说你不是卖掉了吗？是不是还有货没出光？前段时间你张冠李戴，断章取义地弄了些假数据来哄骗人。不就是想卖房子吗，干嘛这缺德。还嫌大家骂得不够？要不要告诉大家都别买或租你的房？
我同意现在的利率很低，借贷的成本低，是买房子的时机。但同样有很大的风险，失业率的攀升，通胀的压力，经济危机的持续时间，还有房价的下行。当一个房子 的价格是50万时，首付是10万，如果该房子在几个月内跌了5万，那你在几个月内就差不多亏了50%。但如果房子涨了5万，你也差不多赚了50%。
我的第一个房子也是01年买的（住进去的），但我认为房价在下降。这也是事实。渥太华是最迟钝的一个城市，就像我们的哈伯总理一样，但并没有成为世外桃源。
渥太华的房子根本不存在长期投资的价值，除非你是在骗（租给）国内刚过来的小留学生。道理很简单，单个出租连房贷的利息都不够（平均利率），还要付税（所 得税和财产税）。在过去的8年，是房产的增值黄金期（利率偏低，造就了多国的地产泡沫），房价也长了不到100%。 而同一时段内，国内的房价都涨了二到四倍。我有空会写一篇租房与买房的利弊，当然我是用实际数据写。
楼上的另一位，大谈政府的决心, 你觉得政府的决心有用吗？ 政府喜欢经济危机吗？政府什么时候喜欢房贷的利率是10%多的吗？顺便说一下，加国的长期平均利率是7%多。
当然买房是个人需要和决定，每个人的条件，基础，和情况会不同。说的简单点，买房者一方要衡量你的可支付能力--收入及稳定性；房子一方（其实还是你）要看准房价的走势；银行一方要判断利率的走势。当然没人能总是踩到最低点，除了幸运之外。
首先，我说那位是买在最高价位的好像不是你的ID, 除非那是你的马甲，又被踩到痛处了？
其次，买房是全方位考虑的。利率不是唯一因素。一个是利率再低，如果收入不稳定，也是有很大风险的。第二，利率不会永远这么低，甚至不可能长期这么低，而整个借贷过程是长期的，一旦利率回升到正常水平，月供会在当前水平上猛跳一个台阶，和美国次贷利率调整后发生的情况一样。第三，也有的人根本不需要贷款，看重的是一个中短期房价的走势，也就是对投资的安全的保障。在加拿大养房的成本很高，如果不是在一个强劲的上升期的话，拥有住房在3-5年类换手，基本上没有盈利甚至有可能亏损。
其实不是要唱衰楼市，反而是希望楼市真正节节走高，买房多个几万分摊在几十年的贷款中并不是什么大事，但是投资收益得到了保障。 然而，当下的现实并不总是朝人们的愿景方向发展的。
同时同意在一个普遍持平，下跌的趋势中，特定时段内，个别地段内的特定类型物业走高是完全正常的：比如最近了解到centrepointe 的townhouse 就在逆势上扬。
其次，买房是全方位考虑的。利率不是唯一因素。一个是利率再低，如果收入不稳定，也是有很大风险的。第二，利率不会永远这么低，甚至不可能长期这么低，而整个借贷过程是长期的，一旦利率回升到正常水平，月供会在当前水平上猛跳一个台阶，和美国次贷利率调整后发生的情况一样。第三，也有的人根本不需要贷款，看重的是一个中短期房价的走势，也就是对投资的安全的保障。在加拿大养房的成本很高，如果不是在一个强劲的上升期的话，拥有住房在3-5年类换手，基本上没有盈利甚至有可能亏损。
其实不是要唱衰楼市，反而是希望楼市真正节节走高，买房多个几万分摊在几十年的贷款中并不是什么大事，但是投资收益得到了保障。 然而，当下的现实并不总是朝人们的愿景方向发展的。
同时同意在一个普遍持平，下跌的趋势中，特定时段内，个别地段内的特定类型物业走高是完全正常的：比如最近了解到centrepointe 的townhouse 就在逆势上扬。
