Does financing count as owning a car?
No but debtslaves think they do because the bank let's them park it at their (the banks) house. >t. mortgage haver
>>27985624>have to pay property taxes or the government will take your houseDo we ever really own our real estate?
Not really. I finance my car and I will never ever end up in a situation where I can't make a payment. I could claim that for all intents and purposes I own my car, but that would be a cope because too many financially retarded peons see financing as a way to spend beyond their means and end up showing the world the ugly side of financing (i.e. OP's webm with the dancing brown person).
its kinda like contractual ownership. you can do whatever you want with a financed car as long as you pay the car note, but as soon as you don't the car is taken from you. it is worse than complete ownership where the car exists at your whim, but better than leasing which is actually just a year long rental.
>>27985617Financing is possibly worse than leasing because a lease is a long term rent that you will never own whereas if you finance a car you have made a promise to pay for it and you may well end up losing it and still owing money for the thing you do not have.
>cashtards faces when they find out what happens after you pay a loan off
>>27985617Do people just leave their cars in neutral or did this negro just wreck that BMW's transmission?
>>27985864>one less beemer>one less jeetblacks are based?!
>>27985617what kind of repo man works so slowly? he could have gotten assaulted a thousand times while he was loading that beemer on the bed. this is how pros do repo jobs
>>27985874smooth af
>>27985726That's like saying "I'm going to die someday so I might as well just jump off a bridge today".
/o/ is embarrassingly bad at finance
>>27985864what's worse is pulling it by the tie rods. this car is fucked.
>>27985617black repo men are like black cops. You're victimizing your own people lmao
>>27985617>>27985874Are all repo men black? It's actually a genius play, because they can pretend that it's legal theft to fuel their natural urge to steal shit.
>>27986013>You're victimizing your own peopleHow so? Did the repo man make them not make their payments? Please expand your thoughts.
>>27985617why is he so fat what the fuck
>>27986083americanblackzoomer
>>27985617kinda crazy how kids who grew up acting like this on tiktok are now adults working real jobs and still acting like children on tiktok except its on the job now
bros tell me if I can afford to buy a 12k car with 2% financing for 48 months or maybe 60 but I'd like to get rid of the debt faster I make 50k a year
>>27985720>you can do whatever you want with a financed car as long as you pay the car noteYou are required to keep it in good working order and condition. If you fuck it up and Mr Noseburg finds out he can demand payment in full. This is why jeep queers hide their jeeps after totaling them off roading.
>>27986013Niggers hate niggers, idiot.
>>27986190imagine enslaving yourself for 4 years for a measly 12k. what the fuck is wrong with you
>>27986190>50k/yrBuy a 3k shitbox. It's all you can afford.t. 48k/yr
>>27985874You can tell how many times this nigga has been fucked with
>>27986227drama queen with his enslavement of 200 buckaroos a month he could end any time....
>>27986027jews reproducing with whites is why the majority of all americans are in debt regardless of race
>>27985617Not until you finish paying it off, no.
>>27986364Mom's bf financed a $13k car 5 years ago and still owes on it.
>>27986190That's what I do. If you don't have a bunch of other crazy debts and can comfortably invest the rest, you're fine. Just pay it off in half the term or less, ideally, and obviously don't borrow from anyone who will charge a penalty for early payoff.
>>27985665Property taxes are county level, you can realistically get them repealed if you don't live near democrats. Also a lot of places waive them once you hit a certain age.
>>27985665No and taxes are non-consentual.
>>27985726It's pretty easy to make money by financing and investing the liquid cash you gain in the mean time
>>27985874Wouldn't having the parking break on prevent this?
No but does it really matter? If the rate is low enough and the term is short sometimes it can make sense to finance a new car vs buying a piece of crap for cash.
>>27985874Did the new pedestrian spray a fucking hose at him? What's that going to do?
>>27985874It was implied he as repoing a car from a church. Black church takes all day, he was in no hurry.
>>279861902% would be stupid good
>>27986601>break>asking retard questionpoetry
>>27985617Based. I love watching christcucks get fuckin owned.
>>27986013Blacks are malicious towards every group on earth, especially other blacks You’re talking about a race that murders each other over wearing the wrong colors
>>27985864It didn't roll, it just slid
>>27985864>>27986008>>27987287We also got wheel scrapage
>>27986911niggers don't think rationally like that
>>27986911Shiet this hose has a gun shaped fing on it, I'mma shoot this nigguh
You're gonna be in debt your entire lives retards.
>>27986911well if you look closely you can see him pull a foot long knife at the end. So he was probably trying to distract him so he could shank him.
All of you need to sell your cars. Right now.
>>27986911fina cap dey ass an shiet
>>27985864Not his problem. Outsourcing in a nutshell
If you're making payments on something you don't own it. Bringing this fact up with "homeowners" really gets them upset but they can't say anything becasue they know you're right.
>>27986601lots of people don't use the parking brake, they just rely on the parking pawl (holds the car in place when transmission is in Park)if that minivan is FWD and the parking brake isn't set there's nothing stopping the back wheels from rolling
>>27985665no
>>27986015Most whites aren't aggressive enough to go in the hood everyday to and take cars from blacks.
>>27989627nah thats just wrong. it wouldn't be called repossession if you didn't own it. you can do whatever you want with it even though you haven't payed off the loan. your ownership and financial obligation are only loosely connected by the fact that defaulting on your loan will lead to them looking to take the property you bought with the loan before taking anything else.
>>27985874THIS VIDEO DOESN'T FUCKING PLAY FOR ME PLS CAN SOMEONE UPLAOD TO CATBOX PLEASE. ;________________;
it literally reads that the finance company owns the car
>>27990248possession is not ownership. Dude let me loan your garden tool. now i possess a garden tool but do not own
>>27990243It also avoids the "whitey keeping us down" argument.
>>27986008Just replace the tie rods if they really got fucked, not that hard
>>27990577or they could use competent white people who actually know how to tow cars without destroying them, that's not that hard either
>>27985617You possess it but don’t technically “own” it, as legally its considered property of the financing company. That said if you pay your shit off or buy it out you then legally own it. Its not inherently bad if you play your cards right and know what you’re getting into and can budget properly (and don’t do something retarded like paying another mortgage on some cuck truck or whatever), problem is like credit cards many are genuinely too retarded to be trusted with it without ruining themselves. >>27985665Ownership relies on the proportion of violence you are capable of dishing out to would be aggressors. Just ask every home and small business that got bulldozed against the owners will just to make another shitty road for example. >>27986013If I was a self respecting black person actually trying in life that had to deal with the lowlifes that turned entire neighborhoods into ghettos with their nogdom I’d make a slave owner look like an abolitionist too.
>>27990713Nigga, you need to be fast befo the bulets fly. Tie rods are not worth your lyfe
>>27990821>fast before the bullets fly>take time to set up your camera and film a tik tok dance
>>27990313>>27989627True, you should keep paying rent until you die kek
>>27985950>>27986003Never forget this is the dumbest board on 4chan by a country mile. >>27986190There's no way you're getting 2% on a used car for 48 or 60 months. If you somehow are, yes, and invest as much as you can into well, anything that gives you more than 2% return.>>27989627Unsurprisingly, white trash can't comprehend the concept of collateral. Which honestly, is good, if you can't comprehend the difference between a mortgage and unsecured debt like a credit card or hard cash loan, you should really avoid debt as much as possible.Look, this thread comes up weekly, and it's always the same arguments, because really, knowing when or when you shouldn't use debt is a somewhat subtle thing (it really isn't, but most of you are stupid) based on both what else you could do with the money and how much you make and whatever other goals you have. Taking out a car note when you're making 250k/year is very different than at 55k, and taking manufacturer financing for a highly depreciating new car is very different than taking out a loan on a 3 to 5 year old used car with a solid maintenance history.However, most of you are fucking retarded poors, so you'd be better off buying shitboxes and owing nothing.
>>27991752>There's no way you're getting 2% on a used car for 48 or 60 monthsI could, I'm an europoor and there are lots of "limited deals" like this with rates under 5%. They do have a pretty jewish monthly handling fee of usually something like 15e/month thougheverest>However, most of you are fucking retarded poors, so you'd be better off buying shitboxes and owing nothing.yeah this is what I realised and decided to ride the bus and buy a 2k shitbox when I see a chance
>>27986013>You're victimizing your own people lmaoLiterally what's wrong with that. If your people are shit, they deserve to be victimized.
>>27987418and then what? i die, and you can shove my debts up your ass lmao
>>27985874Smooth and fast. You gotta be or else it'll go down like webm related
>>27992934jesus. they're literally like insects. like when you're picking up firewood and grab the wrong log and all the fuckin bugs just come charging out of it.
nawww whites be callin us insects and they be picking up firewood paul bunyan lookin ass
>>27985665If an HOA can take your house because your grass is too long then no your dont.
>>27992934New planet of the apes movie looks good!
>>27990713Pay your fucking notes then your shit won't get fucked with.
>>27985754you can't finance a turbo'd shitbox into existance so maybe quit yapping little nigler
>>27990267You seriously wanna see an uninteresting 30 second tiktok clip?
>>27986015>Are all repo men black?At this point, yeah. Used to be a lot more whitebois doing it until you weren't allowed to overtly deny loans to because of race. Eventually they got fed up with going into da hood/el barrio all the time and then quitting so repo companies started to hire more blacks and Mexicans.
>>27989627It's more about not having to deal with LL that raise rent up $300/month every year and until they evict you or you're forced to move to an even shittier place to repeat the process.
>>27992934Imagine financing an old caravan from the BHPH lot and not paying for it. You can just buy them for $2-3k cash. Those guys could easily pool that cash from welfare. Or if they wanted to buy it mid month, maybe some prostitution and drug dealing
why do black people call it a car note? it's not a fucking "note" of any kind. it's a car bill.
>>27994987I'm assuming it comes from a note payable but I may be overthinking it.
>>27993288It's possible to buy a house that's not in a HOA, my man. Then you get to watch the salty old fucks on the block shuffling around yelling at people instead of being able to send their doofy little letters. No, I'm never going to edge my fence line or pull up all the wild tickseed flowers that line my driveway, old boomer that likes to cruise around at 5mph glaring at people. I rented a dumpster to clean out my mom's house when she moved, and her HOA would leave us daily letters for any individual thing that happened to be left on the lawn overnight
>>27995189Thanks, I needed a laugh.
