But pol said the economy was shit and people are poor?
>>544770238>north texas>two floor>450kchrist.
happy for these 40yos
>retards are buying inflated beaner boxes >at 6%okay lmao
>>544770238Overpriced garbage. Really worth $200k at best
>>544770316She’s already cheating on him
>>5447702386% is like 30k a year extra. Wtf.
>>544770300>>544770342While you seethe in your parents house, the white reddit homeowner is plowing his 10/10 Aryan wife
>>544770431Good Goyim tax
>>544770459Used up whore like your mother
>>544770238$450k seems like a large amount of money for a pile of wood, even taking in account your worthless currency.
>>544770238Plebbit is owned and operated by Jews and Chicoms
>>544770509McMansions
>>544770568Same as 4chan
>>544770509>pile of wood*pile of osb, vinyl and drywall
>>544770328it's full of chardonnay
>>544770238>6.39% on a manufactured home
>>544770238We've been deporting people and arresting them nonstop and blocking more from coming in. You're welcome.
>>544770470
>>544770238Guy must work in IT making $150-200k/yr. She gobbles up his money and Chad's dick on the side (or in front of her husband if he's into that).Never trust a bitch with a smart watch. They use that shit like the Bat Signal for whore activities.
>>544770238>6.39%JESUS
>redditor houseHow long before there's an ewu crime video where they find 4 blood and poop covered dilators in this house and a decomposing dead transexual in the bathtub that was invited online to live with them for a polyamorous relationship.
>>544770238>normie wife with the tiktok bottleJust kill yourself at that point. You already know she fucks niggers on the side.
>>544770300>450k>goycattle cucklord husband>pillhead wife (probably cocaine too)>both pushing 50>WE DID IT REDDIT!
>>544770661>435k @ 7%She won't be able to afford chardonnay for very long. Can't wait for the foreclosure post after one of them looses their jobs
>>544770829
>>544770459thats a kike if I ever saw one, more than likely a transplant from new jersey or commiefornia
>>544770689You haven't been doing anything, "we" made me spit out my drink laughing. Stop derailing the thread nigger. Why are you not buying a home and starting a family?
>>544770882
How am I doing
>>544770947Horrible.
>>544770947depends on zip code but probably bad
>>544770459imagine thinking hes not the sub in that relationship. lol, lmao evenhes a redditor? so its likely a cuckold marriage
>>544770431>>544770342>>544770755Imagine not knowing how amortization works. You and the 2 or 3 other apes saying 6% is high, are actually retarded. Especially if you knew anything about arbitrage.Also let me guess, the housing crash you’ve been saying is about to happen every day for the last 6 years, is about to happen.
>>544771076Sounds about right. I also guarantee that when they met her hair was dyed jet black.
>>544770238>mortgageImagine buying shelter on a payment plan
>>544770238He just got out of his parents house. Let the man celebrate.
In the next 10 months in going to make a similar post on reddit celebrating the purchase of my 500k to 850k home. It will have a picture of me and my wife who is 12 years younger than me making onions faces and saying we did it reddit!I will hope you subhumans here make a thread so you know im making it because i can't just post my face and wife and home here. But i will enjoy you fags seething and or being happy for me.
>>544771184>Just save up 60 years bro
>>544770947Don’t let these fucking retarded niggers tell you that you’re doing bad. You’re building equity at a reasonable rate, and a 2 bedroom apartment in any city worth living in costs more than that.
>>544771100enjoy your beaner box bro!!
>>544770922these seem like troll posts
>>544771215I've made my point
>>544770238>North TexasMore like South Oklahoma.
>>544770238It is and we are.My wife and I weren't able to buy a house anywhere that wasn't the fucking hood until we were like 32.Now in 11 acres and a house on it
>>544770238>redditors are..kill yourself redditor
>>544770238>go to random subreddit>reddit is doing this>post picturedamn, when do you kill yourself op
Preddtorrs are cringe faggots, but all the>nooooo its better to not own a home>just throw your money away renting for 30 yearsretards are the height of pathetic losers.
>>544771682I wouldn't even give a cent to the banks, I'd rather live in a van. probably why they need women's money so bad
>>544771262I think they are real because real normal people will buy and do shit like this. Buying a new build is crazy and 850k in a desert hellhole is clinically insane.
>>544771775oh also all the illegal browns
>>544770238The only thing I’m judging are the flip flopsHappy for them I guess
>>544770238The husband has larger boobs than the wife, that's hot
>>544770238>Living with a western woman in 2026Bro fucked up
>>544771100>the housing crash you’ve been saying is about to happen every day for the last 6 years, is about to happen.yes
>>544771100Imagine having such shit credit that they sell you a prefab house in buttfuck nowhere for $450k at 6.39%
>>544771233equity is absolutely worthless. having a 5.8% interest rate on a house with $250k meaning nothing without down payment and location information. having a mortage is a net loss since you're paying a bank interest for 0 work.
>>544772666based satan, make those banks work for it
>>544770238>be me>crash of 08>bank of America let's their foreclosures sit empty for years while waiting for more government gibs>houses get issues when they're empty>around 2010 they start selling them for pennies on the dollar >find nice 2,500sqft home in nice little beautiful beach town>BOA wants $130k>go underneath it show them where there's been a water leak because they didn't disconnect service or winterize it for a long time>two floor joist rotted>now they know no bank is going to give a loan on the house when it has unresolved structural issues>offer them $45k cash (the price of the cheapest bare lot around there)>they immediately accept (they already got their money from the bailout anyway, they don't care)I should have offered them $30k. I fixed the floor joists myself for a few hundred dollars. My neighbors house which is half the size of mine, half the yard of mine, and not as nice, sold a year ago for $600k+
>>544770328ha first thought
>>544772792>fixed the floor joists myselfIs that as easy as installing a new right next to the rotted one or is there more to it?
>>544773255Not usually that simple, because it rots the subfloor above the joists first. So, you wind up cutting up all the subfloor, which will usually be a larger area than the affected joists. Oddly enough, it happened again just recently. The water line running behind the cabinets to the refrigerator ice machine broke and leaked for I don't know how long, years probably. It rotted out 8 joists, the outside band board, and about 10ft of exterior load-bearing wall baseplate. Basically, I had to reframe the whole kitchen from the ground up to the ceiling. I didn't replace the whole joist this time though. I cut the rotted ends off, scabbed a new joist to the ends of the old ones, then added a new block contact point to the ground for each joist. Pic related, just got the subfloor, underlay and base cabinets down today.Of course the minute this started my wife wanted me to tear out two interior walls to the living room and dining room. Build an island, move the sink and dishwasher to the island, move the stove across the room, move the refrigerator, take out a window, and add a pot filler faucet. I love doing this stuff though.
>>544770238Watch that house worth of fraction of that the next year and they are stick on a 50 year mortgage.I baught my first home when I was 24 in 2011.
these threads never fail to deliver grade a cope&seethe
>>544772477> housing crashcall it what you want, it’s a return to normality. anywhere south of missouri is a shit hole, and prices will reflect that. same with anything south east of carson city nevada. the new generation can’t be sold the same bullshit as the old. that’s the genuine takeaway from this post. >>544770238These two people may as well not exist.
>>544770238I will never allow a bank to have power over me nor an employer which is why I would never take on a mortgage. I will buy a trailer and live on my acreage soon enough. Already have the land.
>>544770238Dear god they're going to go under when the tides change.>6%Retards at this point, can't be helped.
>>544774326In the meantime, you let a landlord have power over you?
>>544774326> Already have the landThat must be awkward, just owning the land, watching it depreciate every year, but constantly telling yourself that you’re stoked to move to it.
>>544770947I’d say quite well. You have a reasonable mortgage and don’t owe all that much.
flabbyfatcargo pantsflip flopslol, lmao even
>>544770238Why are they fat
>>544770238That guy looks pretty old in all likelihood he will be dead before he pays off his house. Bleak world. People used to get 15 year mortgages when they turned 23 but kike world has people in their late 40s taking out 30 year mortgages at 6%
>>544774435land doesn't depreciate. you'd know it if you ever owned anything
>>544770238home buyer=debt slave
>>544774379that’s not even the point. that mans healthcare costs will wreck any plans that he had, barring some miracle.it’s two people who may as well not exist, two idiots.
>>544774326Nice, that's a good plan.
>>544774326No way to avoid others having power over you. Society has been geared as such.To not allow that is to not play the game. To not play the game you have to be given a damn good start, which most aren't.
>>544774550> my land hasn’t depreciated that’s right, you haven’t put the trailer on it yet.
>>544771100>uh actually usury is GOODno one, except indians, should have to pay to live in a plywood shack in big gulp texas. especially with interest.
>>544770238just a couple of kids starting their lives together
>>544770300That's not two floors. Those are either attic windows or a facade.
>>544771262It's just women. /r/firsttimehomebuyers is like 80% women posting about how "we" just bought our first house (her husband pays for everything). It's easy to tell when a woman posts because they always include pictures of themselves
>>544774716>visible damage>450kthis is fake isn't it
I'm about to spring for a house am i fucking up?$440k white areaDont pay property taxes0% down, have $700k saved building equity in stocks (a little crypto)No PMIGood job. I could buy the house in cash but that seems dumb. Better return in the stock market
>>544770238450k in Texas seems high. But houses are bad investments regardless of their initial purchase prices because of taxes, upkeep, and the economic situation in the country. I don't know how people rationalize trying to root down in a place for 15-20 years when I don't feel safe to buy a couch as a single person since I can't carry it out of here by myself.
>>544771682It's pretty bad now, either way. I personally prefer the stress of owning a home over the stress of being a renter. But kikes have made home ownership a nightmare with all the fees and taxes and new requirements. What might be the worst is that our parents didn't bother lifting a finger to educate the next generation on basic repairs and handy skills, meaning if shit breaks, the average American is clueless how to fix it. A lot of apartment cucks are basically just adult children who know they can't handle that life; they need the security of knowing they can just tell the landlord and he'll take care of it all for them.
>>544770947You owe 2.5x what I owe at nearly twice the interest rate. But I bet you're in a place that doesn't suck.
>>544774823Nah go for it, except in FL. I will be collecting free houses during the boogaloo so best to not be anywhere in my state at all.
>>544774326you let the US government have power over you in every other way though. you probably pay your taxes, have a bank account, pay your bills to have a phone, internet, work through a employer, etc. you are a slave to the system like most of us are. but good on you for doing one less thing, however don't think you aren't just another nig who is a slave to the overall system. if you weren't, you would fuck off to the woods right? but you know you won't do that for obvious reasons
>>544774774> They don’t exist> They may as well not existFunctionally the same claim.
>>544770300Over 6% lmao nigga should have kept renting and gone all in on 10yr treasuries with his down payment money. Anyone buying a house at these rates is a fucking retard
>>544773924>Of course the minute this started my wife wanted me to tear out two interior walls to the living room and dining room. Build an island, move the sink and dishwasher to the island, move the stove across the room, move the refrigerator, take out a window, and add a pot filler faucet.This sounds like a form of hell me. Glad you are enjoying yourself though.
>>544773924Were the burst pipes cpvc?I had to replace those two winters in a row because they kept bursting even with insulation wrapped around them. I'm new to this, and I'm ticked off that other people convinced me that the money saved by going cpvc would be worth it. No it wasn't; after the first replacement got destroyed a year later I used PEX instead. Really not fun to slither through a soaking wet crawlspace in January, I'd love to never do it again.
>>544770238Do you think he lifts?
>>544770947OOOOOOF
>>544770393what's the point of havin all that money if u don't do anything with it
>>544770300My house is worth that and it has one floor with a small yard.
>>544775022> I will be collecting houses in Florida.Do you work for FEMA? Maybe Doctors without Borders?
>>544770328That's a big ass pink baby replacement, damm
>>544770947GrimUnless this is 40% or less of your income
>>544770238do you have any idea how far in the middle of nothing "north texas" is? Also enjoy tornado alley, hot summers and frigid winters flatlander retards.
>>544775029You let the cosmic void have power over you because you refuse to help your consciousness stop existing. You are no better, silicohen cleetus.
>>544775202When you are in those circles you already know money is fake and you can just print out billions of fist everyday. What they are after is power.
>>544770238The average age for ownership ng a home has gone up a decade in a generation. It's a real problem.
>>544773924Wait you just put the subfloor in and she told you she wants new water lines? Dayum. At least you don't already have the tile in
>water "damage">scrape the plaster>clean wall>put new plaster and paint>pay someone to reseal roof>wallahConcrete is my friend, fuck wood
>>544774847Shit collapses a lot slower than you may think. I fear you might be living in anxiety until 2050 and nothing extreme will have happened at all. Many people who were sounding the alarms of an economic collapse and depression all the way back in like 2016 (or further) get mocked relentlessly because we haven't hit Mad Max levels by the dates they predicted. Life has undeniably got worse, and anyone who prepped reasonably came out ahead if inflation, but anyone expecting life as we know it to just *poof* was seriously premature.Also you gotta trust in God to take care of you through thick and thin.
>>544770947Sweet, we have nearly the same payment rate
>>544770238They're both fat. Is her sippy cup there full of corn syrup? Disgusting.
>>544772044Hot how?
>>54477527629%
>>544775452Not really waiting for collapse, more realizing that the type of lifestyle my parents had and we children took for granted as we came of age in a time of unrelenting kikery is neither achievable nor ultimately desirable. I'm unnerved in reading Zoomers' perilous, repeated tales of their attempts to secure the societal bribes offered to their parents as a booby trap. They should be talking about getting revenge. Owning things? Impossible. They want you dead.
>>544770429Pretty people should be given carte blanche to divorce as many times as they want.We need to maximize the number of people beautiful people can sleep with.
>>544775452Every year, there's an anon predicting economic collapse occuring September. Like clockwork, he starts his threads in late July.
>>544775158First time it was the hot water heater. The base had rusted out. This time it was that little flimsy 1/4" clear plastic shit that they run to ice makers. Whoever thought it was a good idea to run that cheap shit behind the toe kick of my cabinets needs their ass beat. But, don't ever do cpvc or even pvc if you live someplace cold. Pex is the way to go. I say that but everything I just did is cpvc for hot and pvc for cold. But, I'm in Florida so it doesn't matter.>>544775399No, she started this the minute she found out I had to tear out the kitchen. She was happy, she's probably the one that broke the water line. I've finished all the electric plumbing already though.>>544775132Idk, I like working on my own stuff. Fuck working on other people's stuff though, that sucks ass. But, I enjoy changing things and making stuff nicer. My wife is one of those that's always wanting unnecessary improvements done around the house, but I like it. I get bored as fuck and bitchy when I don't have something to do. So, whenever she comes up with a project, I just do whatever it is. I like doing it.
>>544770933i've always wondered how these women explain it when the kids come out with the real nose
Suppose you don't find making war possible. The systems of oppression are too complex and their reach is unfathomably vast for a minority, much less an individual, to confront. The information you can get isn't entirely factual or actionable, no one with any real power is listening to your cries of pain, all you have to help yourself or hurt an insignificant part of a vast control structure is what is right in front of you. What are the local frictions you're currently suffering and what are the appropriate tools available for you personally to reduce that friction? Maybe do that.
>>544770459>Aryan WifeBrown eyes... fuck off and kys nigger
>>544770238>your total cost over the 30 year life of the loan at 6.39% interest will be $1,012,259.09 (including $562,259.09 in total interest).I really don't think buying a house at these interest rates makes any sense
>>5447711006.39% means Joe Slob here is paying back $1m+ on that shithole.
>>544774435>just owning the land, watching it depreciate every yearBecause they're making new land every year or are you planning on dumping tires and used oil all over it for him?
>>544776710I'm at 6.375% Either the dollar implodes or interest rates will eventually drop enough to refinance.
>>544770238I just bought a 160k house in the central valley. 6.2 interest rate. I dont have a job and get army bux for several injuries. I get extra income from flipping collectables and holding yard sales of shit I find. I'll just refinance once things get better. Its just me and my two nigger destroyer 1000 cane corsos who will kill my meth head or mystery meat neighbors in case they try to fuck around.
>>544777088>I just bought a 160k house>6.2 interest rateso you didn't buy it then
>>544776251Happy wife, happy life ;-)))
>>544777153I was paying more in rent living in Los Angeles doing the same thing. At least white drug addicts commit less crime than drug selling spics and niggers.
>>544770238Hmmmmmm
>>544777088Zog faggot suck a shotgun
>>544770238You know something that rarely gets brought up in these housing price threads? How fucking shitty the houses today are. My grandfather was a builder, my father was a builder, my uncles were builders, I was a builder, I've been around home building for my entire 45 years. The houses being built today and the last 30 years are absolute dog shit. I know because I worked for large developers and I built a lot of really REALLY shitty houses. Because, as builder, if you're not building your own stuff you don't get much say in the way it's constructed. You get a set of plans that has a stamp on it from a registered structural engineer or architect, and you follow those plans to a T, even if it's garbage. You don't have a choice. The problem usually isn't the builder, it's the asshole that engineering it. And, I've been in these meetings with developers and engineers, you think the conversation would be "what's the most sensible durable way to construct this structure?" But, that's not at all what happens. They just scheme on how to subvert code and try to figure out what's the least amount of materials they can put in the shitbox so it doesn't fall in the ground before the ONE FUCKING YEAR new construction warranty is up.Honestly, if you're not halfway handy, don't buy one of these new houses. They're shitty, they break constantly, and the contractors are going to rape you when it falls apart, which will absolutely be before you finish off that 30 year mortgage.Webm related was the builder's fault though.
>>544770316
>>544770459hotwife phenotype
>>544770429>She’s already cheating on himProbably not. Greater odds they're both into kink things and he shares her around.Cheating is a younger girls game. Past a certain age these broads are legit trying to settle down with a guy who "understands" them.
>>544770300Welcome to the new norm - I've been looking for houses in my area for three years and the new baseline for 'starter homes' is half a fucking million.
>>544777331So...buy an older home? What's your feel on lathe and plaster?
>>544770300>>544777580You fags are playing on ez mode and you don't even know it.I get fucked hard in my cuntry when it comes to this. Now that is real pain.
>>544770238>2026 >There are people who still don't know that aposematic hair dye is akin to holding up a sign that reads "I'm mentally ill."
>>544770238I've never seen a more divorce-rapable face
>>544770947Well shit is this telling me the only way Id be able to get a 1,200$ house payment is getting a house for under 200k? In this economy? Fuck.
>>544770459She looks like she's a waitress at Denny's.
>>544777235Pay your taxes wage slave, I'm planning to buy another house in 2 years. I'll pray I become your landlord.>>544777667This. Older homes created with old growth wood are the best and will last forever if properly maintained. Buy from a grandma who's spouse died recently and the home will be in near perfect condition. Old growth wood is better than any other material.
>>544770238
>>544777331Houses are definitely getting shittier and cheaper made. Cheaper materials and cheaper labor. Our only hope are independent home inspectors being a thorn in developers asses.
>>544770238>childless>grey hair>Tumbleweed County, Texas (unincorporated)This is not anything to be proud of doing. This is a sign of economic collapse.
>>544778066>30k property taxes per How the fuck does the government demand an average years wage for the right to own your own home with a straight face. Fucking grim
>>544778066$11k property tax? That's my yearly mortgage payment for a bigger home. Wtf.
>>544777667>lathe and plasterI've never dealt with it much other than ripping it out. I've never tried to repair it. My suggestion if your looking for a house is first look at the county building department. Depending on where you live there could be a huge difference between what codes are inforced and which ones aren't, just based off of what county you are in. Here in the south there are still counties who don't even have building departments, you can go hot glue plywood to trees, nobody checks it. So, make sure the county or city the house is in has a building department that's not full of idiots.But, the most important thing is why was that house built? Was it someone hiring a custom builder for a one off custom home that they wanted to be done right? If so, it's probably a good house. Or, does every house on that street look basically identical to each other? If so, then run. It's a trac home. It was built by the lowest bidder with the cheapest shit they could get away with. As far as time periods go, they all have draw backs. The ones that were built really well back in the day are full of asbestos. And, trust me you would prefer a kidney stone to the fucking headache it is to deal with asbestos. But, the absolute worst houses ever built, IMO, were built in that late 90s early 2000s boom leading up to the crash. Those are some real shitbox money pits.
>>544771262>>544771942 >>544774759People or dealerships take pictures of their new and even used cars.
>>544778265Yeah, remember all that bad drywall from china around that time? Sulfur or something that leaks out over time. I can barely remember. Too obliviated at the moment.
>>544778181Its $11K property taxes and 19K local city/state income taxes.
>>544778559Still. Taxing the value of an unrealized asset for appreciating in value due to entirely manufactured metrics is wildly unconstitutional
>>544778500They threw a fit about asbestos, then immediately starting importing poison from third world shitholes. You wanna hear some nightmare fuel? There have been two "documented" instances of highly radioactive cobalt 60 from old radiotherapy machines getting chucked into scrap heaps, melted down, and turned into rebar. Supposedly it was just those two instances. But, I'd bet money there are some people today living in homes where the concrete floor is a radioactive spicy ball.
>>544777331The new construction is shit but so is the old lumber they're dumping on the market in order to ease their tax burden and service medical denbts.
>>544770238>pink hairShe's gonna divorcerape his ass isn't she
>>544771100>noooo my beaner-tier McMansion will keep skyrocketing in value for eternity!!Lol, lmao evenGood luck with that retard
>>544778066>no garage>no central ac>can see friendly neighbors in your bathroom window>tight spaces>high taxesNo
>>544778787You'd be wildly popular if you were to take this to the Suprême Court and win. Yet property tax still exists and cities still provide municipal services. So perhaps it is constitutional
>>544779101>Needs a house for your cars.Well faggot, you're in luck.
>>544777580I don’t even live in a capital city and in the last 15 years the median house price in my suburb has gone from $435k to $1.3m.
>>544770459
>>544770459WHY DID SHE MAKE HER LIPS THE SAME COLOR AS HER SKIN AHHHHHHHHH
>>544770745>Never trust a bitch with a smart watchI'm just surprised that the pink hair was less than the smart watch on the whore scale
>>544770933ILLEGAL! MAKE IT ILLEGAL!I want to fuck a true blood Gerudo bitch.
>>544777166Super gay, unless you like doing the bullshit like that other Anon. I'm happily divorced from a fucking nagging harpy. Thank god we were broke then too, I'd hate to give up the significant savings and house equity I achieved after tossing that bitch to the curb.
>>544770238Why she not black, common reddit do better
>>544779272Shaker Heights = Jew central. They even have one of those strings going around the entire neighborhood. You can easily see it on Google street view.
>>544778916>the old lumber they're dumping on the marketOh yeah, materials are dog shit today too. Mainly it's this engineered particle board garbage. You can't even call it lumber. It's some sort of wood product. It's the vegan burger of construction. But, people will say "it's great if it never gets wet." Oh, great fucking plan, because houses never ever leak.Even these cabinets I just bought, which weren't cheap, have oak fronts, drawers, doors, shelves, but the back of the things are engineered wood. The structural part that actually holds all of the oak parts up, is some particular board shit. I know some retarded engineers somewhere had multiple meetings and discussed it for months about how the engineered particle board has more shear strength per lb per blah blah blah... and never once did any of them think "but, what happens when these glued together splinters get wet, expand, and take on the structural integrity of a piece of cardboard?"
>>544780462the ironic thing is there are engineered wood products that as good or better than good lumber. However, they are fucking expensive, and rarely actually used.
>>544770238That's like 650k leaf bucks I am 37 and bought in Ontario for 175k. Houses are way over inflated in price nobody should be paying over 200k for a house its retarded
>>544770238Their combined income has to be 150k to afford that house, and they're paying nearly as much in interest as the loan itself, for a 1.5 story (probably) townhouse, in North Texas which is a swath of empty land full of white trash shitholes, near the massive white trash shithole known as Oklahoma...Grim... fucking grim...
>>544780880Oh, actually MORE interest than the loan itself. I didn't even process that until looking at it again, that's how insane this shit is...Do not buy a fucking house, let this market of greed crumble.
>>544770328You have won this time, chaim
>>544780597They're perfectly fucking capable of it, they've done it, they just don't want to. And, it's not even the engineers fault really. They're doing what they were paid to do, design the cheapest thing possible. It goes beyond just trying to keep costs down. It's planned obsolescence. They engineer the shit to break. Because, if you sell a man a set of actually, completely solid oak cabinets, he may never have to buy anymore cabinets from you for the rest of his life. But, sell him some "solid oak" cabinets with some key structural parts replaced with a wood product you engineered to turn into dust after a decade, and now you've got a repeat customer for life.
>>544770300That's not even two floor, that some windows in you attic
>>544772666>having a mortage is a net loss since you're paying a bank interest for 0 work.same is true for rent
>>544780880Loan will probably be more like 3500 after you include insurance and property tax. I have a similar rate on my house for a slightly more expensive house and our payment is 3850.
>>544781327Paying rent is paying for home issues to be someone else's problem, but you wont eventually own the home. Paying a mortgage ends with you owning the home, but every home issue is your problem. Both ways have their pros and cons depending on your individual situation
>>544781386You have to pay 4 grand a month just to live in your house? Land of the free
>>544781327You're paying them to borrow money you don't currently have, which is a service. The problem is retards don't see the overall long term amount, they see the monthly payment and think paying a significant portion of their income for years (decades even) is normal. The car market is a more easy to see example. Fucking piece of shit 4 cylinder shitboxes are 35k+ now, because retards don't see that price, they think "oh it's only a $500 monthly payment."Cash buyers piss off car dealers so much because we go in knowing the total amount is bullshit high and needs to be dropped by thousands. Loan retards think it's not a big deal if it's overpriced because it only adds a couple hundred bucks to the monthly payment.
>>544780880Don’t worry they’re both making 250k each sitting in comfy public sector office jobs sending 1 email a week
>>544778787>Taxing the value of an unrealized asset for appreciating in value due to entirely manufactured metrics is wildly unconstitutionalas boomers cash out and sell, this will only get worse
>>544781498The really stupid thing is that car dealerships will actually give you a better deal if you finance instead of cash. They get more money from the finance company and there are promotions offered for cars that are financed in house. Paying cash is actually a negative negotiation point now. If you want to pay cash for a new car, go to the dealership, let them finance it, then pay it off when you get the first bill.Never tell a dealer you're a cash customer. Like you said, they hate it.
Bro his wife looks like she's been fucked in half Like thoroughly ran through before she met him He's got oofy doofy vibes
>>544781766>let them finance it, then pay it off when you get the first bill.Contract will have a "pay early penalty" clause.
>>544774716yeah fake dormers are fucking stupid
>north Texas What next a house in Arkansas
>>544775470When did you euro fags swap the decimal and comma? I know it's been a while but it makes me shake my head everytime I see it
>>544781809Some do some don't. I believe it's actually illegal to charge a prepayment penalty if the loan term is over a certain amount of months. Paying it off early will hurt your credit though.
>>544781766>then pay it off when you get the first billYou need to be in a very protective state for this, or be really diligent in reading the fine print. Loaners will front-load the interest, meaning you have to pay the interest amount in full as part of the loan. Dealers have also been taking down-payments, and not taking that amount off the loan. Because the buyer won't read the fine print, and say wanted to put 15k down towards the loan, the dealership just takes the 15k and you still have to pay the entire purchase price of the vehicle plus the front-loaded loan interest.The economy is getting really bad, jeets and other scammy foreigners are well established here, and now we're a third world shithole where you really have to watch your shit or you'll get scammed. This is happening to a lot of people. The only good thing about living in California is we have some of the most strict consumer protection laws so front-loaded interest is illegal. I can pay off a loan early and avoid interest, so I do exactly what you said, pay off the loan in 2-3 payments. It actually LOWERS your credit though so if I have the money I just pay it off up front, but don't tell them you're paying cash until you reach a final "out the door" amount, which is always a lie because they tack on thousands in fees after.
