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Savings2ndmortgage Lv Tag Investing Savings 2nd Mortgage 买房赚了吗? [Archive] - Savings 2nd Mortgage SinoQuebec

Savings2ndmortgage Lv Tag Investing Savings 2nd Mortgage


ld777
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Investing i Savings2ndmortgage isearchgsearchi Investing Savings2ndmortgage o Savings2ndmortgage t Tag isearchp Investing rsearcha Savings2ndmortgage tsearchf Tag csearcho Investing Tag o Investing searchn Tag esearchtsearchng Savings2ndmortgage bsearchgi Savings2ndmortgage nsearchn Investing searchfsearch20 Tag esearchd Savings2ndmortgage o Tag 0 Investing 8an Tag Savings2ndmortgage esearchi Savings2ndmortgage nsearchngsearchosearch Savings2ndmortgage 0search9 Investing I Tag g Investing tsearchb Savings2ndmortgage ssearch searchesearchlsearchi Investing hosearche Savings2ndmortgage ye Savings2ndmortgage rs(lsearch r Tag Investing p Savings2ndmortgage exa Investing d Tag 4 Savings2ndmortgage lex Savings2ndmortgage . Tag h Tag searchisearchhest Tag c Investing psearchta Tag searchesearchrl Tag e Savings2ndmortgage u Investing n isearch 2- Investing 4search% Tag ft Tag r Tag a Tag l esearchpens Tag s Savings2ndmortgage Th Tag Savings2ndmortgage orstsearchis1 Investing % nte Investing i Tag deof2 Investing 0search.searchl Savings2ndmortgage Tag hs Tag bildigsearch Investing paidsearch1search%searchd Investing wn Savings2ndmortgage m Savings2ndmortgage n Tag f them I bought directly from the owner without agent.I planing sale them as condo in 13-15 years later.So far I need them to make more rental profit to buy few bigger mulltiplex buildings and save more renovation cost for future condo plan.This year is not good for investment.There are so many competition in the market and the mortgage rule was changed.Most of these buildings on the market only has 5-6% return rate.It is much worse than before.But I still got one with 12% return rate.For investment the number should make sense before you buy them and you know how much risk you can take it.Once you find a good deal which you can afford it, action fast!Good chance only give to the person who is ready for it,nobody is waiting for you!when you are young you should as much as you can get the mortgage with minimal down payment from bank,You should use other people's money (who does not know how to invest) to make you get rich faster.

ld777
07-29-2010, 02:52 AM
It seems just location ,money and bricks from outsider to see the real estate business,but most important thing is the experence and abilityof dealing with people.You need talent to dealing with the people's relationship.To make your business sucess,you need to find the best tenants and workers(real estate agent,mortgage broker ,accountant,renovation guys )who are working for you .How to do it?
You must have talent and faith and through many mistakes process and fast learn from it.Enjoy the process which you like and believe it!

lilyy
07-29-2010, 07:28 AM
具体如何买大盘指数股?
具体到股票,风向还是不小。波音的股票每次到62就想吃,可那时往往也是天下一片红啊。你的意思是不是说买大盘指数股加权基金?

有很多啊。各个银行都有的。是最基本的。
有加权的。也有各种大盘的。
不会投资的担心风险的就长期投大盘指数股。傻瓜投资书的RULE.

lovelytito
07-29-2010, 07:42 AM
"历史上房子也就一年涨6%", where is this number from, and which city does it represent? And which area is it? Lots of good properties in good location can have double or tripple number than 6%, but some shitty properties in shitty location might even have negative margin.



300K买理财的GIC吧。有能保证6%的。

长期投资。多少年算长期?买大盘指数股吧。历史上看长期每年涨10%。无地税维护等。
历史上房子也就一年涨6%, (请再去除地税和维护)。加拿大很多热区比2008年就跌过了。

lovelytito
07-29-2010, 07:45 AM
Maybe not a 百年老屋 but definitely not in a good location and don't expect the property to be in a very good condition


现在300K FOR A TRIPLEX,也只能买乱区的百年老屋了。水呀,电呀,地基渗水了,下沉移位了,外墙保温层破了,,,一动就是钱。

yasiwu
07-29-2010, 06:48 PM
哪里的房子值得出手?有好事者做了一个系统评估,从房屋的价值/上涨趋势/当地经济状况三个方面对加拿大的主要城市进行了评级,结果是:温莎人2年收入买套房,温哥华人得7年。蒙特利尔呢?辛酸,倒数第一:价值评估为D--最低,上涨趋势为B,经济评级为C,综合评级为C--最差。
现在经纪们异口同声地忽悠人抓紧买房,我看有一天,现在买了房的会异口同声地哭骂经纪的。

lilyy
07-29-2010, 08:49 PM
"历史上房子也就一年涨6%", where is this number from, and which city does it represent? And which area is it? Lots of good properties in good location can have double or tripple number than 6%, but some shitty properties in shitty location might even have negative margin.

数据很多。你自己一下感兴趣的地区嘛。
增长要看长期看整体。不是看短期。短期或个例涨20%很容易。短期买个股票没准一年就可能翻番呢。
如果每年都可以涨15%(这样净利算10%点多和大盘指差不多)。你自己算算吧。每5年就要翻一翻。你看你的房价能坚持几个五年?

ld777
07-30-2010, 02:14 AM
$For investing multiplex building. It was great in plateau,downtown,cdn and ndg.The price of those plex all increased 3.5-4 times since 2002.I remember I almost got one duplex in monkland village about 190k in 2002.now even a condo (nicely renovated from old duplex sell for 400k-450k).One triplex in Laval street corner of Duluth(one of the best street in plateau) for 225k in 2002.now one condo(nicely renovated from these triplex sell for 350k-400k).Anyway those area it is too expensive to buy now and very few sell as multiplex building, always sell them separately as condo. I really regret I did not have enough money and experience at that time. I only got $25000 savings in 2002 so I got one triplex in downtown out of so many opptunities.My friend bought one detached duplex( 1800sf per floor with finished basement in monkland village for $60000(25% down payment,the intrest rate was very high he didn't remember, but even saving account intrest rate was around 10% in 3 years term )in 1984.Now it worth more than one million.

Any suggestion for future buying area in Montreal Island?
Maybe hochelaga maisonneuve, ville emard, Verdun? I remember there was many 6plex for sell ,price around 150k-170k in 2002(now it also increaed at least 3 times),but I just don't like those areas. Maybe I should challenge myself more to do the move.

ld777
07-30-2010, 02:52 AM
Anyway if you have good cash flow multiplex buildings you never rush to sell them, because they give you income. You don't have to count on property value to increase. Bad timing you hold it to rent, good timing sell them separately to get more profit. Most important thing is can you afford the risk or not. The number should make sense before you buy them, once you got them just use the time to reduce your risk and stretch more profit.

ld777
07-30-2010, 03:49 AM
Montreal is the best city in the world for me. Here are so many great festivals in summer. I heard it is 2nd happiest city in the world. It is just perfect city size for living, not like Toronto you always stuck in the traffic jam and less colourful culture life and much more competitions in every field. I live in downtown Montreal it is walking distance for everything. I hope more people to find the beauty of Montreal and invest here. I really appreciate what Montreal did it to me.

ld777
07-30-2010, 03:58 AM
Montreal is the best city in the world for me. Here are so many great festivals in summer. I heard it is 2nd happiest city in the world. It is just perfect city size for living, not like Toronto you always stuck in the traffic jam and less colourful culture life and much more competitions in every field. I live in downtown Montreal it is walking distance for everything. I hope more people to find the beauty of Montreal and invest here. I really appreciate what Montreal did it to me.

2dian
07-30-2010, 04:43 AM
先买生意后买房....

ld777
07-30-2010, 02:18 PM
哪里的房子值得出手?有好事者做了一个系统评估,从房屋的价值/上涨趋势/当地经济状况三个方面对加拿大的主要城市进行了评级,结果是:温莎人2年收入买套房,温哥华人得7年。蒙特利尔呢?辛酸,倒数第一:价值评估为D--最低,上涨趋势为B,经济评级为C,综合评级为C--最差。
现在经纪们异口同声地忽悠人抓紧买房,我看有一天,现在买了房的会异口同声地哭骂经纪的。


Never completely trust what newspaper said, just trust your own feeling from the guts. For example. Everybody says Ford is not good brand for car, but I had two of 2nd hand ford in 10 years. All are great. I used them more than their value (I never spend more than $3000 for a car or van).There are lots of real good old houses in Montreal. my oldest one was build in 1895, youngest was build in 1928. All are in pretty good condition. I never will buy new condos or houses for investment. I just love live in old style of triplex in downtown. So many people feel not good in Montreal and move to Toronto, United States or China. I just love it here. I never will move to somewhere else in Canada or United States for living purpose. By the way my french is COMME CI COMME ÇA

闲钱想投资
07-30-2010, 02:45 PM
你现在愿意大量吃进油气能源股,长线持有比如CDN NATURAL RESOURCES LTD?
有很多啊。各个银行都有的。是最基本的。
有加权的。也有各种大盘的。
不会投资的担心风险的就长期投大盘指数股。傻瓜投资书的RULE.

闲钱想投资
07-30-2010, 02:57 PM
感谢、赞美自己已经拥有的,是对的。
至于生活质量好坏,难言尽。
我生活的小村,HOUSE价格有几千一套的,地税等300多一年的,医院、养老院、警察局、学校、高尔夫、公园、乡村景色等等。还能动的,周游世界;不能动的,小村就像一个大家庭。至于谈到钱,如果有先生心思,就不会有穷的加拿大老人。事实上,与他们熟悉了,经常能听到他们感叹不差钱,钱无用。

Montreal is the best city in the world for me. Here are so many great festivals in summer. I heard it is 2nd happiest city in the world. It is just perfect city size for living, not like Toronto you always stuck in the traffic jam and less colourful culture life and much more competitions in every field. I live in downtown Montreal it is walking distance for everything. I hope more people to find the beauty of Montreal and invest here. I really appreciate what Montreal did it to me.

xymj
07-30-2010, 05:11 PM
Hi ld777,

Could you please tell me how you calculate the return rate of a multiplex property? I am trying to buy one but feel they are really too expensive now. I am afraid the history of the housing market would never repeat again in the future like the year 2002 to 2010.

achaler
07-30-2010, 07:28 PM
你没疯吧?6% 的GIC?加拿大就没有保证6% 的投资品种。你就帮理财的忽悠吧。



300K买理财的GIC吧。有能保证6%的。

长期投资。多少年算长期?买大盘指数股吧。历史上看长期每年涨10%。无地税维护等。
历史上房子也就一年涨6%, (请再去除地税和维护)。加拿大很多热区比2008年就跌过了。

lilyy
07-30-2010, 09:18 PM
你没疯吧?6% 的GIC?加拿大就没有保证6% 的投资品种。你就帮理财的忽悠吧。

怎么会呢。你报上一个名字一个名字的打。
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