Tom plans to buy a house. He notice that current interest rate is really high. Considering that the stock market is volatile, he decides to take out $100,000 from the stock markets and create a certificate of deposit account at a rate of 3.5%. He predicts that later when the house price drops, he can buy a very good single-family house with about $750,000. The down payment rate is 20%. Please predict the exact time when he can buy a house.

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