上面这两张图是10年前房价与现在的比较，以及5年前房价与现在的比较。
以大多地区为例，10年前，20%首付买房，需要现金55046元，5年前需要75247，现在需要99459。
http://www.remax.ca/editorial/news/...overall-trend-toward-moderation,-says-re/max/
这篇文章有段话：
The case for trading up makes good financial sense. To illustrate, consider a first-time buyer who purchased an average Canadian home for $188,164 in 2002 with a downpayment of 10 per cent. Had the buyer financed the remaining $172,735 at the posted rate of 7.02 per cent over a five-year, fixed rate term amortized over 25 years, the balance owing after 10 years would be $135,619. During that period (2002 to 2012), the home would have appreciated 93 per cent to $363,730 at an annual rate of return of 6.81 per cent (compounded). With the equity of $228,111 applied to the purchaser’s next home, at $500,000, and today’s lower interest rates, the carrying costs would be just slightly higher than the original mortgage payment.
10年前，用10%首付，7.02%利率贷款买房，也比等到今天买房更好。
对租房的朋友来说，早买，是上策。等待，带来只能是后悔。
