LETS GOOOOOOOOOO
I haven’t heard that before
I'm from India and moved to Canada and got an interest free mortgage loan.
i already paid my house off so i don't care in the slightest
>>543241017yup rentoids seething
>>543240753Wake me when it's 20% fucking soft cunt.
>>543240753>Immigrants ruining things again
>>5432410173% covid mortgage. next best thing i suppose
>>543240753>Property prices are through the roof.>Interest rates are through the roof >Property taxes are through the roof. Homeowners are cuck slaves
>>543240753It was 8% last summer Fuck off
>>543241141Bastards told me it was 2.5% but by the time the paperwork actually went through and a number got put down it was 4%. Fuckers.
>>543241061I’m hoping the property values cut in half when nobody can afford a loan
>>543240753Median US house price: $408kWith 50k downpayment at 7.5% interest and no other debts, you must make $84k per year to get that 30 year home loan (assuming max of 36% debt to income ratio)That is ~31% more than the national median male income.Shit's fucked.
>>543240994See you in a couple of years when it's time to refinance. You're fucked, just like the rest of us.
how is this Biden's fault? asking for a migger
How does this effect all the people that left California to live in the middle of nowhere like Idaho?
>mfw own house>mfw one other property paid off>mfw other property has 3 months leftAnons...I made it safely.
>>543241279They won't sell you them. I was trying to buy a cheap house in 2008/9. They weren't for sale at those prices. Banks just repossessed but wouldn't sell. Didn't get one till years later. Still cheap but nowhere near the bottom.
Why the fuck would anyone buy a house kek, just rent and use your money to make more money
>>543240753retards who bought in the last 5 years must be absolutely panicking hahaha
>>543240753two more weeks
>>543241972You don't want to be paying rent when you retire retard.
>>543242013https://www.youtube.com/watch?v=hzd6W4WUg-I
I can't even afford a house!
>>543241202Redheads are fucking psycho.
>>543242044You'll pay property tax regardless mongoloid. A lot of boomers are being squeezed right now because of it, they can't afford property taxes anymore because all their money went into their house and they have no liquid assets
>>543241711Assuming the jews remain in control you will pay his entire mortgage as well all the mortgages of his 5000 fecaloid cousins
If I can't afford a house working a full time job I'm simply not working.
>>543242714Property taxes are nothing bud, it's just one payment and if you aren't retarded you can put aside money for it.Also fuck boomers they did this to themselves, They youngest ones (1964) had 25 years from when they turned 18 in 1982 to the 2008 recession to invest.
>>543241202wow that guy got horrible burns
>>543242916>to invest Considering investments are held only by government subsidies and bailouts im hoping you invested in rare metals or energy
>>543241202Was that fucking boiling oil? That was attempted murder
>>543240753mines 2.5% fixed and nearly paid forget fuckedactually I'm fucked, to keep homeowners insurance in Florida you basically have to be in a constant state of borrowing so the state can force companies to write you a policy or put you on the state ran insurance (((Citizens))) I've been dropped by so many providers and picked up by the state several times. My insurance is double my actual mortgage payment
>>543240753The stock market is at ATH. America is winning. There will be no collapse. You lost, tranny
>>543242714I'm not American so I don't pay property tax but I'd gamble my life savings on property taxes being nowhere near the cost of rent. And if you have cashflow problems? You can borrow against your highly valuable asset. Which renters don't own.....Fucking retard.
>>543241017>>543241061>>543241107>>543241202>>543241207>>543241894>>543242044Fucking kill yourself boomers.
>>543243059>My insurance is double my actual mortgage paymentJesus Christ.
>>543241279You have been reported to the ADL for extreme antisemitism.
>>543243165No. I don't think I will.
>>543243109A shitload of people have run the math. Renting v mortgage and throwing bonus income into stock market or mortgage has a variance of like 2% opportunity cost. At a certain point it just pays your rent monthly.
>>543242916Property taxes are nearly a quarter of my mortgage in a red area because I bought recently.
>>543241186yeah just keep paying some jews property tax for him via renthe's the real cuck here
>>543243312ya, its fucking retarded. I've got a small little farm house, not a mcmansion on the beach. I'm not far from the beach, but even with storms and hurricanes I've never made a claim in 20 years yet rates go up every year. I could have bought my house twice by now for what I've paid into insurance. Yet those motherfuckers are going "broke".They come out every year and take pictures of everything to try and find a reason to drop you. >you need to get a wind mitigation anonthe fuck I do, I've done like 15 of them. nothing has changed. Odd every insurance company that demands you get one done easily recommends a guy. its all a scam
>>543243431I'm guessing those people think the stock market will just keep going up....
>>543243165I wonder why they don't teach kids in school how fucked the system is and you're better off owing money to nobody, unironically van life is superior to renting. I'd wash my ass in a spring before I paid somebody for nothing
>>543241661Yeah I make about $150k in a cushy desk job and things are retardedly expensive for me with a family of three. My only debt is a mortgage at 7% for a 400k house.I have absolutely no idea how people are surviving out there. I guess people are resigning themselves to live next to niggers and other mystery meat in the fent and crack neighborhoods for a $1500/mo studio.It is genuinely fucking depressing and I know my kids will live with me until well into their 30s at this rate. It actually doesn’t matter anymore who you vote for or how or what beliefs or education you have. Shit’s fucked
>>543240753Just fucking buy it in cash
>>543238009
>>543243609I thought the same lad. But, surprisingly, two of my kids got jobs fairly easily and are doing great. One is still too young. It's not half as bad out there as people on here seem to think.
>>543243609I got fired from my job and replaced by Indians. Literally starving. Went from 150k to 40k a year. Shit happens man just hope it gets better. Upskilling in my spare time.
>>543243674what do they do
>>543240753Jews are jumping ships.
>>543240753LET THE BODIES HIT THE FLOOR
>>543243609~$100k gross income here.Paid off the $150k house bought at the interest rate bottom in 2020 by being insanely frugal. Apparently comps in my neighborhood are going for $250k now. With kids, even with no more mortgage payments, utilities are way up, property tax is way up, health insurance is way up, not to mention actual medical costs, We're not going broke, but we're not getting ahead anymore.Everything feels frozen in place.
>>543240753The collapse will be in the form of the Stay Puffed marshmallow man.
>>543243609>my kids will live with me until well into their 30s at this rateI told my son I would build him a barndominium on my place. my daughter moved out already and instead of buying a home, she is thinking of getting a big ass rv. I've priced those, not bad for what you get. The rv lots are high as giraffe pussy though. If she left the loser she is with, I'd let her put it on my place for free. I already have full rv hookups from when I had one.
>>543240994same saar very good>>543240753nothing will happen benchode
>>543243825>buy sagging mexican made house>underwaterhow could this happen
>>543243909NO YOU DON'T UNDERSTAND PRICES WON'T EVER BE THIS LOW AGAIN AAAAAAAAAAAAAAAAAAAAAAAAAA
>>543243863>Everything feels frozen in place.That's how i feel as well. I was able to get expenditures down to nothing but and I'm even starting to gain savings. But it's tough. Starvation mode is not meant to be a long term thing. Underweight now. Just waiting for something to change as i learn new things
>Golden age!
That's why I moved out here. Planning on using my savings plus help from mom and dad in buying something here. A detached house would be nice but I'd settle for an apartment as long as it's at least 3 bedrooms.
>>543243674It’s regional. There are some states or metros in the US that are not completely doomed. But more and more seem to crumble into widespread shitholes with each passing year. The immigrants do not make anything better economically nor socially. I went to an old haunt (where I used to live) in the town over (from where I live now) today, and it was awful. Homeless harassing people. Everyone glazed over and not interacting. Degenerates, trannies, freaks abound. It was disgusting. Grime on everything, people walking dogs shitting on the sidewalks, barking and snarling as they pass, niggers with bluetooth boomboxes.Unrecognizable from just 7 years ago. Swallowed up by a malaise that I can only describe as spiritual rot. Despair beyond despair
>>543243944People were fucking fighting to buy new builds in 2007...... Saying exactly that.
>>543242785Ha, the Fuck I will. I'm neeting until moral improves, with my wife and 3 home schooled kids. I believe in paying taxes to support the old and infirm, but this shit?.Thieves, liars, and their scapegoats?TheFuckIwill.
>>543244059It's the same here. Except rural used to be cheap before COVID. Then people started WFH and anything not bought up is now airbnbs with fucking 'glamping' yurts and shit everywhere. We need another big war. Simple as.
>>543243431Are these 'shitload of people' in the room with you now?And are they perhaps (((jewish))).I'm glad you're getting such good advice. See you in 4 years. Owning nothing and being happy?They're not talking to me.
>>543243691Sucks man. Try to find a job that makes you hard to replace. Building automation and controls is a usually pretty damn safe and at least secure, as a lot of the guys I know make 75-85k
>>543244222That was me before. 10 years there. Entire systems were torn down and recreated by my design. Then i was told i was not needed anymore. I'm really not sure how to proceed but been doing nothing but studying since. I'll either make it again or die. There is no middle ground.
>>543244068BUY BUY BUY BEFORE BLACKROCK(STONE) BUYS IT ALL
>>543243555Then cancel it. Put the money you're saving into your house for when shit goes sideways.You've already pointed out you don't trust them. And it sounds like whatever happens to your house is going up happen to your neighbors, too, which means those greedy cunts won't pay, and you'll be shit out of luck AND your money. Get off the wheel.
>>543244190People like him are happily paying someone else's mortgage. Just handing them a free asset. A true goyim. Let him live in the real world.
>>543241202A Russian woman throws boiling water on a guy because he threw a smoke bomb in the kitchen while she was cooking. It was her house and he had been a drunken nuisance all night. He received 3rd degree burns. Idk I'm kinda on her side I'll fuck you if you up if you disrespect my house like that
>>543244450Notice how no one helped him probably because he's a douche
>>543240753Monthly payment$2,307Total interest paid$500,667Total cost of loan$830,667Payoff dateSep 2056On 330,000 dollar loan. Expect house prices to tailspin.
>>543243609>It is genuinely fucking depressing and I know my kids will live with me until well into their 30sI have accepted, and in fact am grateful, that our kids will be able to live with us for as long as they want. I'm the only bread winner, and fuck me if I want my kids entering this fucked up society so they can learn what a white person has to do, what they have to become, what they have to give up, to succeed in this country, in this world. FuckThatIf you have kids, it is in your best interest to keep them as far away from this fucked up society as possible, until things get better, one way or another. Teaching, or letting someone else 'teach' your kids how to be 'contributing members' of this society?.You're raising slaves that ABSOLUTELY won't be able to say no when their life depends on them not saying yes, to whatever the Fuck it is they'll have to do to keep their worthless jobs they need to survive in the now completely fake 'real world'.
>>543242286They are heroin.
>>543243674Yeah?Tell us more.
>>543241141That's the best, a paid off house is a violation of humani rghts
>>543241141same lol $900 max payment 30yr
>>543243609LOL wut?I make $60k a year and can easily afford a $2.2k a year rent. My wife doesn't need to work and we have a ton of money for whatever we need, we feel wealthier than bezos.Our kids will easily have college paid for and be set for life.
>>543240753Rookie numbers
>>543241202God I hope that was corn oil
>>543244450>thisFuck around, find out.Who's laughing now. Of course, the entire crowd looking at her like she's crazy, instead of taking care of the problem?She should have used a bigger pot and got them all.
>>543244665Where do you live anon?
>>543241110Shouldn't the countries all these diverse people are fleeing from be highly advanced?
>>543244665$183pm rent doesn't sound fake at all.
>>543244798In a cave at that rent I'm guessing.
>>543244665>$60K a year BEFORE TAXES>$26.4 in rent alone>ever increasing bills eating everything else up and then someYou're what they call a fool and his money
>>543244891>>543244916It's probably per month but shit maybe I'm wrong.
>>543244798Toronto, I work in finance. We earn about $3900 after taxes, after rent it's $1700 a month.After food and utilities it's about $1200. Having $1200 left over to invest in a portfolio that's already at $200k will easily allow us to afford whatever we want in the future. At even 9% compounding and the rate we're contributing, in 10 years we'll have almost half a million.
>>543244665Health insurance, taxes, utilities, food, retirement… it all just drains out as fast as it comes in and I don’t spend frivolously. No credit card debt, no auto loans, no student loan debt. I buy one power tool a month, and that’s my only real expense because my father taught me to invest in tools as a hedge against a bad economy. The world always needs things fixed and also cheaper to repair or build your own stuff rather than pay to have it done. So I buy like a new tool or jig or equipment every month and practice with it. Last month got a concrete saw, this month an angle grinder. Good tools don’t depreciate that badly and have direct utility in the interim. So my whole life I would invest in tools and shop gear.
>>543240753I will pay 50% as long as Iran can't have nuclear weapons.
>>543244891>>543244942I meant per rent.>>543244934Yes, I'm totally a fool for wanting a roof over my head and to not be homeless.I guess being homeless is the real high IQ move.
>>543241017Wait for confiscatory taxation like they did in Weimar and post-WW2 Germany.https://de.wikipedia.org/wiki/Hauszinssteuerhttps://en.wikipedia.org/wiki/Lastenausgleich
>>543244986>health insuranceAh, in Canada this is free>TaxesTrue but you still have more than $43k after taxes which is what i take home>foodThat's $500 a month at most for me and my wife>retirementDon't retireWe save the rest in a global market index fund.
Trump promised higher interest rates and he Delivered. Trust Trump!
>>543243058Not her fault, she was having a hormonal emergency.
>>543245059>Don't retireAround 45 you are going to have a major panic attack.
>>543245178You won't want to retire. Look at Buffett, look at Charlie Munger, look at Jamie Diamond, look at Trump.
>>543244112based
>>543244961What's your portfolio in? I have about the same in energy etfs but that's been rocky.
>>543240753For a $250,000 loan at 7.5% interest, the monthly principal and interest payment depends on the loan term:30-year term: The monthly payment is $1,748.04. 15-year term: The monthly payment is $2,317.53.These figures represent the fixed monthly installment covering both principal and interest, excluding additional costs such as taxes, insurance, or private mortgage insurance (PMI). The total amount paid over the life of the loan would be approximately $629,293 for the 30-year option and $417,156 for the 15-year option.not even including the 800$-1200$ property tax monthly.
>>543240753Jokes on you, I have just under 3% on a mortgage in new orleans. A 30 year mortgage. There's no way this house is here in 30 years. But it would cost more to rent right now. We get the interest deducted from our taxes and it's much cheaper. It's all a scam.
>>543245236>S&P500>VGRO>Berkshire Hathaway>Brookfield Asset Management>Lockheed Martin>Some Real estateSeriously considering selling all my individual holdings and going into VEQT and VOO.Every single holding of mine underperformed the index, the Dave Ramseys were right.
>>543240753Be me:>Move to texas during covid>No plans at all, just book a week long motel stay and apply to EVERY JOB>Randomly get good Job in service industry management>Buy house far from city well below the price approved for. >Get shitty bullshit easy job but manage mortgage fine, cheaper than renting>PTO this week!
>>543245262Not sure how American mortgages work but here you can pay a bigger deposit too to bring the cost down. I put down 42% on our house. Took a 20 year mortgage. Payments were 1/3rd less than equivalent rent.
>>543243555I appreciate that Florida's probably your home state, but if I were you, I would pay off the mortgage, sell it, and use the cash to buy a house somewhere cheaper outright. Even if it's a small house, being close to the beach in Florida probably means you can buy a lot of house in a nice suburb of a mid-major city in middle America. You could be very comfortable and have really low living expenses moving forward. Just my two cents.
>>543240753if 2028 is the next 2008, then who's obama?
>>543240753all those predicting a crashnote the economist is predicting the opposite
>work out of NY making $150k a year>live with dad in NJ saving money and paying utilities>got almost $500k saved up>absolutely fucking nothing decent is in my affordable rangeHOW THE FUCK ARE SHITTERS MAKING SUB 100K SURVIVING OUT HERE. WHY ARE THERE SO FUCKING MANY OF THESE PEOPLE IN THIS STATE. I AM LITERALLY LOSING MY MIND AND FUCK THE GREEDY BOOMERS WHO REFUSE TO FUCKING DIE AND LET GO
>>543240753WOW THAT SUCKS FOR YOU WEIMERIMUTTS SEE US YOUNG PEOPLE WE DON'T OWN ANYTHING SO WE WON'T LOSE ANYTHING LIKE ALL OF YOU WILL DURING THE COLLAPSE Poor Jewish Empire Collapsing ;D
>>543246015Lol Lmao Vote harder or something my fellow goyman
SORRY ANONS WE HAVE TO MAKE ROOM FOR 1.5 BILLION NEW CEOs THEY ARE THE ARYANS NOW FELLOW GOYMEN XD
>>543246015Dude same. In NY now. Though i went from 150k to 40k. Not sure how people aren't starving because I know i am
>>543240753not my problem, paraguyan
>>543245004Nice flag (((anon))).You're the (((fucking retard))) that literally bragged here that even though half your wage was going to rent you were doing great and would be able to put your kids through college. You're a five eye faggot demoralization piece of shit and I'm just so, so grateful every one of you worthless pieces of shit is fully clot shotted and boosted for your shekels-i-mean-country.We can't possibly hate you enough.
>>543240994Suhkdeep nigger can't work a TVM calculator, nor realize his interest is imbued into the higher principle...Get refi'd Gupta!Marry the price, date the rate---and you are dating a skank hooker.
>>543246718I'm so glad liberal freaks like you will never be happy.>
>pays 0% interest
>>543245850Clinton signed bills that overturned housing regulations.If tech is to blame this time, Biden signed a $50 billion bill for tech companies that help start the crash.
>>543247434Haha, Fuck, imagine being such a heavily medicated piece of shit you think happy is the only emotion. I had sex with my wife this morning, that made me happy.How about you, did your have sex this morning? No (((anon))) you couldn't have been with my wife, she was busy. Show your flag you retarded subhuman parasitic coward.
>>543240753>tfw locked in 3% fixed rate when I bought in 2020Look at me, I am the boomer now
>>543241711Keep fucking coping, satanYou'll pay bharat's bailout alongside the banks too
>>543240753This is a good thing right? Bigger numbers = better?
>>543240994the future belongs to you, saaaaar!https://m.youtube.com/watch?v=oV6mF1fZi5c&ra=m
>>543247625>2020>3% fixed rate>everyone buying at the same time>house overpriced by 300%
>>543246015Because your dumb ass lives in Jew York, the most kiked state in America. There's a gorillion illegals and browns living on the dole there. You're paying $3000 a month for a one bedroom goybox. You would need to make upwards of 500K a year just to live comfortably in NY. If you live in Florida or Georgia, you live like a king on 80K a year.
>>543240753Anyone else thinking of fucking off to southeast asia?
>>543247831yes like at least a 1/3rd of adults are. have you seen social media? its full of westerners moving to china, japan, taiwan, etc
>>543247831The world is probably about to descend into a proper, all out killing fest again. The last place you want to be is someone else's country.
>>543247746I bought in a town of 50K where the local economy got fucked hard by the pandemic. Nobody was buying in this area at the time and the sellers were a retiring couple who were eager to move out of state. They went down significantly on price and made every repair I asked for. Then as soon as the pandemic ended my home value shot up. The screenshot of my Zillow home value over time is so sexy. The month I closed was a huge dip, which was very close to the price I paid. Then it immediately skyrockets. I could not have possibly timed it better.
>>543240753You guys don't do variable rate loans? 7.5% sounds fine, wait til Australia hits 9.5%Maybe 18-24 months away at our current trajectory. Gonna be a lot of losers, but even more winners.
>>5432412072.25% mortgage is $1100/month and my take home is $7000/month. Life is good
>>543248085I already know the short list of towns where you could have moved to. Some are nice and some are glorified dumps that have a meager tourism economy. I hope you sincerely enjoy it because I couldn't be motivated to move to a town just on price alone, especially one of only 50k people.
>>543240994>freeLolLmao even
>>543244516It's because Russian are passive from centuries of learned helplessness
>>543240753>prices at all time high>interest rates stupid highIf you were to buy a """cheap""" 500k house, you'd pay $1,258,586 total over the course of the loan. More in interest than in principle. Not to mention a monthly payment of $3,500.That is not doable even on a "high" salary. You can only qualify for 1/3rd of your income. Basically the house can only cost 3x your annual income. Who the fuck makes $166k/yr?VANLIFE NOT LOOKIN SO BAD INNIT?
>>543241186You think your rent isn't tied into those things? Good luck!
>>543241661That's what clown houses are for. But only turd worlders do that, that's why the banks need them.
What does that mean? I bought a 20y mortgage in 2012. If 30y mortgage was a thing back then, the faggot bank teller didn't tell me about it.
>>543244450>Somebody does a harmless prank>gets burns for lifeYeah, I'm thinking you're a nigger.
>>543244450So just a regular evening in Russia.
>>543240753
>>543245850Kamal toe will lead the crash of 2028. Looking forward to finding a twinkle to put on a leash as I wear a hockey mask and a jockstrap driving around in a dune buggy. Ill sell his ass for ammunition and food.
>>543243165>I AM BROWN REEEEEEEEEEEEEEEEEEEEEE
>>543247589They also fuck their kids and their brothers kids.SA is rampant in Amish communities but the victims will get excommunicated if they report it to anyone at all
Photo from the dinner party.
>>543249228I do i make around 160k a yr and wife make 70k. Im in the trades and depending on ot I can get up to over 200k some years.
>>543249137She didn't look so helpless when she threw the contents of that boiling pot.
Party time.
I am so goddamn poor. I'm not in wv but close. The people here in this small town are an infinite nightmare. I still just can't even believe it. Sometimes I try to go a while without can't even believing it, it's kinda hard to hold a job when you can't even believe it, but I managed to work like two years can't even believing it, and the second things almost started to get better just ffffuuu I just can't believe it
>>543240753This is just going to mean more white women fucking niggers in the near future. Got to sell that ass and Tyrone knows how to make sure you stay safe out on that corner. This is the white woman's future.
>>543240753the real issue is who the fuck is willingly to pay that much interest
>>543240753I stopped browsing ZeroHedge when their premium articles were no longer visible on archive sites (as a paywall bypass). Their free articles are shill or political claptrap trash, the good economics ones are sealed behind the golden folder icon.
>>543243555So stop paying it then? You think they'd pay out anyway?
I was about to close on a 185K house. The lender at the credit union for 5 months had me believing such a loan would be at 7.6, $1,300 a month and zero down.9 fucking days till closing, my lender has a family emergency and his case is passed to another woman.Suddenly not only can they not do that loan, I suddenly have 53% DTI and the only deal they would ever offer me is a $150K loan, a $35K difference.Now I had to to sign a mutual release agreement, 6 days from closing, and now the seller is pissed and is refusing to sign the release form, meaning they can try to sue me for breach of contract which could be they try to sue me to buy, with a new loan, no matter what it is, ehich when I quickly tried to shop around is 6.9, $14,000 to close, and $1,600+ a month on a $2,600 after taxes income.Try to sell the house and is they sell the house for less than my contract was they can sue me for the difference.And this all happened because a homosexual at the bank fail to calculate in homeowners insurance and property into his offering to me.For 5 months after pre-approval, he didn't notice this.He didn't notice this when I gave him the purchasing contract 4 weeks ago.And didn't notice when I gave him my homeowners insurance quote last week.Not only that, he pause all processing when I told him to hold of for a second to processes the purchase agreement because I was waiting for the homeowner to come to an agreement on remedies.And the homeowner didn't want to fix shit. He was offered asking price, and tried to walk when I told him to replace a 30 YEAR OLD WATER HEATER, fix an S-pipe to a P-pipe and drain the subpump right. He had the subpump draining into the basement itself into the same hole as the washing machine.But now this seller wants to be a dick and not sign to release.
>>543250523fuck those guys you dont deserve any of that
>>543249875imagine being the richest man in the world and all it buys you is company with shitstains less interesting than the nigger at the jack-n-the-box drive thru a 4AM
>>543250523sue the lender?
>>543250523The seller wanted to not leave until November, so I can see why he's mad. But he was already doing fuck all of concessions and demanding full price.I got fucked over by the bank, and in turn he's getting fucked over.But why the fuck would you even flirt with the idea of trying to make me breach contract by not just cutting me loose, outting his house back up and trying to sell it again before November?If he tries to sue me, it'll take 6-12 weeks to go to court, he'll have to spend $5-20K to sue me in court, and its more of a 60/40 against hil be cause I'll have proof of my good faith, the bank fucking me over, and he's not out pretty much any money.Not a fucking dime has been turned over to him yet. He fixed the subpump drain and fixed an sink drain. Things that will help him on his next buyer for less remedies. Hell, he was even given my inspection report because he didn't fucoing believe me. So he got a free inspection report from me, who paid for it. Now anyone else thay tries to buy he can waive MY inspection report in their face.
>>543243825are house prices declining?
>>543241107This. The mortgage rate increases didn't result in home prices dropping, so I guess I need 20% mortgages so I can buy a house cheap with cash
>>543248319Not that guy but Whats wrong with a town of 50k? I grew up in one and it was the best time of my life. When we moved to a town that was like 150k the atmosphere of everythinf was immediately more hostile and fucked up feeling. The only advantage of a bigger city is the hospitals ot medical specialists but that’s only in theory because our health care system is a wreck and half the time you can’t get approved to see anyone o your insurance won’t cover ordinary tests
>>543244754One of my favorite pics of all time. Dogs are the best thing on earth.
>>543250634Thanks anon, its good to hear that.
>>543245206>look at themOK, I looked at them. I plan on retiring. In fact I plan on retiring before 60, and semi-retiring by 50. I'm not gonna spend the rest of my life working
>>543250926Be right and don't let anyone tell you differently it's just bitter big city kids who have to pretend the like niggers and spics
>>543251132What's wrong about niggers and spics?
>>543240753What kind of retard gets a 30Y mortgage?
>>543243659He is happy, who in times of peace prepares for war.
>>543240753eh i mean it is a 30yr mortgageshow me what a 15yr mortgage isI'd hope it would be 4%
Boo Hoo The Weimerimutts are losing control of their Jewish Economy. That Sucks Man. Sucks To Suck.
>>543250523ANON YOU SHOULD GIVE ALL THAT MONEY TO ISRAEL THEY NEED IT MORE GOYMAN
>>543240924Certainly not from zerohedge, who has been accurately predicting the impending collapse every day since 2009.
>>543240753It blows my mind that there are still anons on here that think things will ever happen again
>>543249479>3rd degree burnsyour parents scarred you for life when they left you at camp.
>>543252481>> 2009 HOLY NEWFAGGOTS HOW NEW ARE YOU ANONS JESUS CHRIST Dr. William Luther Pierce James Mason Commander George Lincoln Rockwell Jean Raspail Oswald Spengler Adolf Hitler MANY PEOPLE FOR 100+ YEARS HAVE BASICALLY WRITTEN ABOUT THE COLLAPSE N E W F A G S
>>543241202>it's just a prank bro
>>543240753All gas No brakesOh waitWe running on fumes.Look at the interest rates in the 70s and 80sLook into interest rates before ww2.Trump 80s gordon gecko pal have gutted the american governmentIts just an empty shell for them to run rampant.Democrats are just performative idols for the masses to convince them not to murder everyone in charge
>>543241202what should he do to restore justice /pol/?
>>543240753Reminder that the only 3 countries with zero interest rate for mortgage were Nationalist Socialist Germany, Socialist Libya, and Socialist Yugoslavia.Where are they now? God is jewish and there is no justice in this life or the next one
>>543252595>be paid shill>tucker posting>dont even get why 2009 is important>call other people new>be irredeemable AIDS ridden faggot>bot posting formatIt all checks out. They're not sending their best, please switch back to the shit-tier meme-mill images we are so fond of and used to now.
>>543241186home "owners"
>>543253536You know all that money you pay in rent every month?That goes in the home *owners* pocket. After it comes out of yours.
>>543250898are people buying houses lmaothis was in september when it was 6.4% for 30 year loans and 4.9% on 10 year bonds lol
>>543240994incel fantasy
>>543249479engage in nigger behavior get treated like a nigger. she was in the right.
Millennial here. I paid for my home in cash this year (no mortgage). Interest rates mean nothing. My property values may tank, but I'll take pride in knowing a lot of idiot home buyers from 4ish years ago will get fucked over from buying homes they couldn't afford thinking they'd flip them in a few years and go bankrupt. It's their fault I had to pay $75ishk more than my home is really worth by being stupid and driving up home prices during the covid era. Please God, let the majority of the get screwed over.
>>543240753Just get the 50YTrump wins, trannies lose
>>543254813>let the majority of them get screwed over.And this especially applies to the AirBNB investment property dimwits.
>>543240753how did amerifats end up with worse mortgage rates than my destitute shithole?
I bought property before covid and im signing documents on the sale this Monday.I fucking timed it. Lmao
>>543243431Rent is more than a mortgage in this country.
>>543254706What about new homes?
>>543255077Bro, don't sell if you are not going to buy anything. Inflation is going to hit hard from now on.
>>543243892Lol
>>543253322WHAT ARE YOU TALKING ABOUT RETARD ANON EVROPOOPOOR PROBABLY A RAJEET LIVING IN EVROPA SORRY YOUR SENILE ZION DON FUCKED UP IN IRAN NOW YOU GOYIM HAVE TO WORK HARDER TO AFFORD YOUR RENT. POOR GENTILE.
>>5432411413.25% here. I am never selling and I will never pay it early. There's a mortgage backed security somewhere with my dog shit interest rate packaged into it owned by some boomer's pension fund getting absolutely hosed.
>>543241202Russians. Not even once.
>>543255417Shit tons of properties were bought around 2020 when interest rates were 1.4-1.8%, what does that mean for all those pensions?
>>543254441nah it goes to the government in the form of property taxes, paying for sidewalk easements, etc. nobody owns shit
>>543256146No. It doesn't. Some of it does but the rent covers that. The home *owner* walks away with a free house eventually.
>>543255212if you continue on the article it has>"And a chronic shortage of homes for sale nationally, due partly to years of below-average new home construction"no ones buying homes, no ones making new homes lmao
>>543241141You also paid 4x the value of what your place is actually worth in reality (not jew finance fantasy land). You're going to cry when recession hits and your home value tanks to pre bubble price. Protip: Housing is overinflated over multiple bubbles that never properly popped.Don't ask me for change when you are short on your lipitor prescription in the next few years. You can pull yourself up by your bootstraps and earn it from your broke nigger capital finance buddies.
>>543256520based living with mom forever anon
i'll keep renting for $1900/month and investing my pay. not worth tying myself to a shitty, run down plywood box for $3500/month.
Imagine being forced to fight for a country that you can't even own a piece of it.
>>543241107The purchasing power related to housing prices were not as high back then. That's why a 20% rate would be more like 5% today.
>>543246015Move to Pittsburgh
>>543256729>Imagine being forced to fight for a country that you can't even own a piece of it.That must suck. How many times has that happened to you IRL?
>>543240753I sold my house today. It took 7 months, I only got one offer, and they chiseled me on every little thing. Yet, I still had a small gain from the sale and I’m glad to have dumped it. Also they were in a rush to close because the interest rates are skyrocketing. All of society will collapse after the midterm and I’m getting my shit out of there
>>543241988Why? I just refinanced my home in April as well as bought a 2nd rental property, both on 15yr 4.99%. Seeing rates continue to climb I'm certainly glad I did back then!
>>543243431One problem: when renting the owner can throw you and your family out at any time because he decided to sell. Also, the amount of renovations and repairs will be the legal minimum: on your own house you can spend what you want knowing this will also raise the price.Basically, if you see it just as an investment you are right, but i see it as an expense for a more comfortable life
>>543244296LARPIf you had 10 years of experience redesigning workflows from scratch in one company you could easily land a job at another offering to do the same thing, especially now when every company everywhere is looking to do the same thing
>>543240753usury at 7.5% means doublig after every 9.58 yearsfor the lifetime of the loan for 100K you will pay 309K jews an dtheir usuryhttps://www.youtube.com/watch?v=RuFzaHE2Vu0
>>543241279Housing isnt a free market man. Thy monopolized supply to coerce labour
>>543257606Why does every retard think having a mortgage means making the minimum payment every month? Make principal only payments over the life of the loan and you'll pay it off far quicker and pay much less in interest overall. I'm paying the minimum on my rental but an extra $2K every month on my home, should have it paid off in 5 years instead of the 15 the loan was written as
>>543240753The Jews did this.
>>543244665Shalom, Jew bot
>worked my ass off getting an extremely difficult and respectable chemical engineering degree, which in early 2010s was a massive starting salary comparatively>have to spend money supporting family after medical tragedy strikes and I cant move out fully on my own>wife now disabled (yet no handout from govt mind you) and her quality of life is lower because of it>kids would make her happy but cant afford childcare and house and world is spiraling into madness.I hate Jews like you motherfucking wouldnt believe.At this point, I can only continue to put my faith in God that one day things will turn around.
>>543258291Worst part is, the biggest burnouts i knew growing up live in houses totally free because they married dumb rich people. They lord it over others even.Noone said life is fair though so I wont seethe, I will however have less faith in your average human being
>>543250116Meloonka sure looks pissed about soemthing. Bet she don't chase after Dons golf buggy no more.
>>543244450WHERE THE FUCK IS THE FURNITUREWho has a party and invites half of the neighbourhood and then only has like three seats
>>543258482>FURNITURE>RUSSIA
>>543256520The value of my house is one (1) house.Stupid fiat brained goy
>>543243415You took out a loan, you pay it back
>>543241202she had post-partum thing disorthat
>>543240753That energy is unmatched! What are we celebrating?https://www.youtube.com/watch?v=bL4jJN6WMCs
if we all just started identifying as illegal 15 years ago we'd all have middle class lifestyles rn
>>543249228>Who the fuck makes $166k/yr?Managers at fast food restaurants for one. When is the last time you had a job and what was the longest you've managed to hold the same job?
>>543243109>I'm not American so I don't pay property tax but I'd gamble my life savings on property taxes being nowhere near the cost of rent.My mom pays ~12k/year in property tax on a 2.5k sq foot townhouse that's paid off. Granted it's in central NJ, taxes are high in general, particularly property tax and they chose the township cuz of the school when we were moving when i was only 10. Then factor in utilities and HOA, you're looking at 2.5-3k/mo just to hold that paid off property.
>>543240753that's the price of freedom
>>543241202> During the summer of 2025, U.S. 30-year fixed mortgage rates hovered in the mid-to-high 6% range, starting around 6.72% in early July and easing down to approximately 6.58% by late August.kill yourself migger
>>543256520The monetary value you associate with a home is immaterial to the utility of a home which is the real value. Does your car cease to run (implying you are at least capable of driving a car) because it dropped in price the moment you put your stinky ass in the seat?
>>543241186Insurance
>>543240994Please bless this thread
>>543258835In-N-Out might pay $200k, saf no-one else does. Its also the kind of shit you do for 5 years max, then want to live in a dark cupboard for a bout 10. Which is probably why they pay them 4 times as much, just to save retraining 4 a year. Everyone else says 'fuck retention, they gonna leave anyway' and throws peanuts at them.
