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> > > Hmm, let's see. > > You are putting down a little less than 20% for the down > payment, right? > If you are putting down 20% or 25% that would make a > better interest rate. > > Anyway, your question is what if house market remains the > same or goes down 15% for next few years? Well, if we all > know that house price is going to go down 15% or so for > next few years, then you do not want to buy a house and > carefully watch over the house market for the next few > years. But, no one knows what is going to happen for next > few years. It seems like nothing will happen or the house > market will be down for the next few years. But, somehow > the house market is still strong in a few areas. That is > because there is still a strong demand. This tells me that > there are more buyer than sellers in certain areas. I am > also agreeing with many other people who think that the > house price went up too rapidly. But, the area in > Silicone Valley is a different story. Look at what happen > in Seoul Kang Nam area. In 1999, the apartment price was > some around 3억. At that time it was sky high but, now > those apartments are now 10-13억 Won. > > Can you believe that? But, those apartments price will > keep going up instead of down, because of it's area. That > is why the house price continues to be driven up. > > Same scenario applies in the bay area. Everyday the SF > International Airport brings in hundreds of immigrants day > after day. These Asian immigrants bring so much money. > > Therefore, if you are planning to buy a house in a nice > neighbor and good school area, you can not go wrong even > though the house pricing went down 15%. If you have a > decent job and are able to make a payment which is not > over 50% of your paycheck, then you should be prosperous. > > Let's say, if you do not buy a house now because of all > this uncertainty in your future. The only problem is that > the house price might go up again and you may lose your > chance, since the house price can change from month to > month. > > I can almost guarantee that 3 years from now, you will > believe that buying this house will have been the best > decision you could have made, if you are able to afford > the payment and survive the next couple of years. > > Hypothetically, Everyone think as you and not buying a single house for next > year or so....What is going to happen economically? No matter what the market is, it doesn't matter. People still need to buy a house! > > 부동산님이 2006-05-05 00:20:32에 쓰신글 > >Dear 북가주강남, > > > >My credit score is 720 and I can pay about $150,000 for the down payment. I am looking to buy a decent three bedroom house in cupertino. I guess they are about $850,000+... If I were to purchase it with interest only option, is this a good time to buy? What would be the immediate effects if the value of my house goes down for the next a few yrs? Say about -15% in the next a few yrs... > > > >Or is this a good time to just sit on the side line and watch the market? > > > >Your honest input would be greatly appreciated. Please reply in English. Thanks. > >
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