本帖最后由 kcchiew 于 2-2-2018 08:46 AM 编辑
我是在想，这3-3-5会不会太保守了点？
有人这么解释：
2. The 3-3-5 rule unrealistic? Some readers think that practising the 3-3-5 rule is infeasible in today’s property market. I understand that it is unpleasant to find out that you can’t really afford your dream home after taking the 3-3-5 test. If I were a developer or an agent, I would definitely come up with a 1-2-10 rule so that everyone could happily jump into the market and buy something. We are having the ‘boiling frog’ phenomenon here: When people are in a high-price environment for too long, they will gradually think that it is normal and acceptable to pay high prices. Similarly, when people are in a prolonged boom of the property market, they will forget what is a ‘value-for-money’ home, or why it is necessary to calculate the ROI of an investment property. When market prices are climbing rapidly, salespeople will tell customers that it is impossible to go back to the low prices in the past. However, history has proved time and again that they are wrong. Cycles do repeat themselves over the past few decades. And it is when market prices have been corrected sharply that people begin to realize that many buyers have overpaid for their properties bought during the last peak of the property cycle. These buyers are going to pay the price of holding their overpriced properties ‘for the long-term’ to wait for break-even, while missing the opportunities to buy when prices become reasonable again.
我们就曾经经历过画红那部份，当年亏本卖了两间房子（大马一间，新加坡一间）。
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发表于 2-2-2018 08:37 AM
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