(原创) 我对在Winnipeg买房的一些看法 ~ 今天又降息啦！

首先声明: 我不是做房屋经纪的， 也不是搞投资贷款的， 下面的只是我个人的一些看法 ( )。

首先，今天又降息了，降了0.5％，现在买了房，正在用浮动利息的人和正在买房过程中的人，
大家鼓掌庆贺一下吧。看了几篇文章，看来今年的利息还会继续降下去。


其实看到这么多人在关心房市就可以看出来，早几年来留学，或者是移民已经稳定的一批人都到了买房安家的时候了。我和我们家领导也是其中之一。
但是我们买房的原因并非是因为市场在一直上涨，而是到我们该安家的时候了. 我个人觉得，到了该安家的时候买房就要顺其自然，没有太多必要关心市场动态。
只要把握好地点和房子质量，并且留好余地不要给自己太大的经济负担就可以了。如果因为家里出了些小情况就会入不敷出付不了贷款就算市场再有利于买房也不要买。
相反，买房还是要比租房划算，特别是在这个城市，而且会给自己安心稳定的感觉。大部分人买的房子都是拿来自己住。既然是当家用就不打算最近几年搬走（除非是有特殊情况），自己住和投资是完全不同的，自己买房子住是解决最基本的温饱问题。房子不管怎么短期内涨涨跌跌，从长远角度看都是会增值的。不知道有多少人是这样想的呢？

虽说美国的经济萧条直接影响到加拿大并不是一件好事，但是对于贷款买房的人确是福音。但是大家需要注意的是，不要因为现在利息少了，同样的收入水平可以贷款多了而买个更贵更大的房子，经济萧条早晚会结束，利息也会在经济复苏后慢慢涨回去，不给自己留点余地就会因为将来利息上涨而失去房子。我觉得少付的利息应该用于长线投资，这一两年是股市比较低的时候，这个时候买将来涨的余地更大。所以我觉得大家应该尽量的把自己RRSP的额度用光。有能力的就再多买些。大家觉得呢？

这些是我今天看到的一些比较有趣的新闻文章

关于今天降息的
Bank of Canada lowers overnight rate target by 1/2 percentage point to 3 1/2 per cent
http://www.newswire.ca/en/releases/archive/March2008/04/c8553.html
The Bank now judges that the balance of risks around its January projection for inflation has clearly shifted to the downside, and, as a result, the Bank is lowering the target for the overnight rate. Further monetary stimulus is likely to be required in the near term to keep aggregate supply and demand in balance and to achieve the 2 per cent inflation target over the medium term.
The Bank will publish a new projection for the economy and inflation, including risks to the projection, in the Monetary Policy Report on 24 April 2008.

关于全球经济的
The coming financial pandemic
http://www.nationalpost.com/todays_paper/story.html?id=350930
“For months, economists have debated whether the United States is headed toward a recession. Today, there is no doubt. The severe liquidity and credit crunch from the subprime mortgage bust is now spreading to broader credit markets, $100 barrels of oil are squeezing consumers and unemployment continues to climb. And with the housing market melting down, empty-pocketed Americans can no longer use their homes as ATMs to fund their shopping sprees. It's time to face the truth: The U.S. economy is no longer merely battling a touch of the flu; it's now in the early stages of a painful and persistent bout of pneumonia.”

关于加拿大房市的
Canadians more loath to buy a home
http://www.reportonbusiness.com/servlet/story/RTGAM.20080304.wrbcpoll0304/BNStory/Business/home

“Markets where the greatest number of poll participants said they were “very likely” to buy a home were led by the Greater Toronto Area at 10 per cent, and Saskatchewan and Manitoba at 9 per cent.
Despite big price increases in the latter two markets, home prices in those provinces are still comparably cheaper than in many parts of the country. At a recent industry conference, Bank of Nova Scotia senior economist Adrienne Warren highlighted smaller cities including Regina and Winnipeg as potentially outperforming the overall market in 2008.
Saskatchewan and Manitoba were also the two provinces where poll participants were most likely to expect home prices to increase in 2008, at 65 per cent. Just 39 per cent of Alberta residents expect home prices to appreciate this year, the most bearish market in the poll.
Lack of affordability has caused a glut of supply in Calgary and Edmonton, tipping those markets back into buyers' territory. January resale home listings in Alberta rose by 45 per cent year-over-year, while unit sales dropped by 25 per cent, according to recent data from the Canadian Real Estate Association.”

将来要是看到更多文章我会登上来的。


[ 本帖最后由 Yan 于 2008-3-4 16:11 编辑 ]

顶！等着你买了房子给我们秀秀新家布置哈，肯定和你的菜一样美味又好看

\"到了该安家的时候买房就要顺其自然，没有太多必要关心市场动态。
只要把握好地点和房子质量，并且留好余地不要给自己太大的经济负担就可以了。\"

同意。毕竟，有自己的家了就会结束旅馆一样的生活！！
而且会更踏实，安心！

是啊，一直最想要得就是一个稳定的家，大大的厨房。

Bank of Canada cuts overnight rate half a point to 3.5 per cent

Updated: March 4, 2008 at 04:20 PM CST

Full article: http://www.winnipegfreepress.com ... 6322p-4728495c.html

OTTAWA - The Bank of Canada slashed its trendsetting overnight rate by half a percentage point to 3.5 per cent Tuesday while signalling that the Canadian economy is stalling in the face of the U.S. slump.

And the central bank indicated further cuts may be required soon, possibly at its next scheduled date on April 22.

Canada\'s major banks adjusted their prime rates later in the day, reducing the benchmark for variable mortgages and some other financial products by 50 basis points to 5.25 per cent.

The Canadian dollar moved down 0.44 cent to 100.75 cents US following the rate-cut announcement, closing further south at 100.56 cents.

Economic analysts had been of mixed minds about whether the bank would cut by a quarter or a half point in the face of recent bad economic numbers, notably Monday\'s report showing the economy shrank 0.7 per cent in December.

Drummond said his bank is forecasting another 50 basis point cut in April.

The central bank\'s statement said the United States is likely to suffer a deeper and longer slowdown than previously thought, largely because of the collapsing housing market, and this is taking a toll on the global economy.

\"These developments suggest that important downside risks to Canada\'s economic outlook ... are materializing and, in some respects, intensifying,\" the Bank of Canada said.

\"Further monetary stimulus is likely to be required in the near term to keep aggregate supply and demand in balance and to achieve the two per cent inflation target over the medium term.\"

Lower interest rates are intended to encourage businesses and consumers to borrow and spend, thereby stimulating the domestic economy. As well, slicing interest rates is expected to stem the rise of the Canadian dollar which has depressed manufacturing, forestry and other export-oriented sectors.

Porter said the combination of lower interest rates, tax cuts introduced by the federal government in October, solid personal income growth, and upbeat business spending plans for 2008 will help cushion the economy from the blows of the U.S. slump.

降息是好消息哇~~

尽管市场的变化比较难以准确的预测，只安家而不去关心市场动态是不对的。比如一个房产20W，除了首付还要按揭，利息低相对供房压力小，但供房的时间长，利息也会变动，工作也会被动，特别是对新移民，工作和生意的不稳定性，都会制约安家买房的决定。因此，对买房的保值增值等市场因素不得不考虑。

对呀，所以我说要稳定了，该安家的时候才能买房。 将来的一切又是有谁能预测的呢。难道现在有能力买房，但是为了担心将来不为人知的变动而永远不买房吗？我想每个女人都想有一个安定的家吧。

[ 本帖最后由 Yan 于 2008-3-10 10:39 编辑 ]

租房子永远不会有家的感觉

不同意
即使是破旧的工棚，如果可以妻儿环绕，那也是家