Redditors are buying off houses while most of you have failed to move of mommy's basement.
>>545872452k..keep me posted
>>545872452>6.5%>helping Schlomo Noseberg get a new yacht by paying him interest
>>545872452He will get cucked by BBC and divorce raped and end up under a bridge.
trailer parks are white man's real home
>>545872452at 6.35% interest rate, a 25 year mortgage means your interest payments are 100% of your loan. so they will pay over $1million in interest. they need a 2.5% growth in property value to break even after the 25 years of mortgage.a 30 year mortgage i think the rate is 5.5% for 30 year interest to be 100% of loan.all that excluding whatever downpayment/deposit the paid. (obviously people can get new mortgages with lower rates later if the rate goes down, and also ignoring inflation effect)
>>545872452990k at 6.5%. LMAO. in a degenerate shithole like oceanside which is a blue city in san diego county, yet filled with migger-tier marines and their dumb whore wives. i pity these foolst. former california resident
Thoughts on this frog? I saved it months ago but never found a good opportunity to post it. Share some of your favourites too
>>545872768>they need a 2.5% growth in property value*annual
>>545872730Memeflags are all niggers
>>545872659>da reason im still unemployed and living at home with my mom at 35 years old is because i dont wanna give my money to da JOOOOS for a homeand you wonder why you're still a virgin
>>545872706unironically this will happen.
God, imagine the insurance and property taxes they must be payingDidn't put their down payment either, i bet they're getting absolutely raped
>>545872452I don't believe in usury
>>545872452I only make 20/hr and I'm looking for houses in the mountains for around 250k. I work from home. How fucked am I? Does anyone have any experience with a CFHA?
>>545872852nta. but all my uncles(6) were divorced raped and lost their homes. Father is stuck with a witch. becoming value yourself before you buy a hone, get a wife is the way
>>545872881property tax will be easy to calculate. 1.008% of the assessed value (thank you based prop 13 for that). they could also claim a $7000 reduction on that value as first time owners but a lot of people dont know about that. homeowner's insurance in this state is a shitshow and at that rate i wouldnt be surprised if the lender forced them to add it into the escrow
>>545872452>Browses r/firsttimehomebuyerLook at this totally not cherry picked website! See what is possible for this person and not (You)! Buy my house now!!!
>>545872452Yep, they aren't fast learners.
>>545872802Isch des a Greyerzer du dummer Engländer?
>>545872914I don't believe in prosecco and pizza
>>545872802(You)!Return that frog, immediately!
>>545872452>wife will divorce him after the move in and renovations have been finished If you buy a house and put your wife in the contract you are a gigaretard. I bought a flat and never wrote my wife into it.
>>545872452Whooooah, you found out someone bought a home on a reddit specifically made for people to brag about buying a new home? No waaaaay!
>>545872452>1 million dollar houseMust be nice I couldn't afford even half that with a 30 year mortgage
I am non materialistic, and I don’t view life as a big competition.
>>545872452I have a house I owe 13.5k on it.I'll own it next year.
>>545872452>990k>6.5%
kek also just noticed OP's intent to mount his tv above the fireplace. anyone gonna tell him tv's dont like heat?
>>545872452>6,250/month mortgage payment>Over 30 years theyre going to pay over a million dollars in interestWhy would I want something like that when I have a 190k house I bought along with my parents with an interest rate thats going down to 4% next year?
>>545873119You hear about the secret... 90 year mortgage they're thinking about floating after Trump is gone?
>>545872768You refinancing lowers the interest.
>>545873080Wer hats erfunden du Bünzli?
That's not fair it's only becauseHitlerIsn'thiring
>>545872452990k@6.5% over 30 years w/$100k down is every bit of 2.1 million dollars.For a house that was probably 300k 5 years ago.
>>5458724526.5% goy deal for a goy slop lover
>>545872961You're fucked. You would need to save up a massive down payment, which is possible if you still live at home. But by the time you save enough, that house will now be $300k.
>>545872852I have 2 homes that I own fully :)
>>545872452>buyingA bank renting you a house for thirty to fifty years, at significant interest rate, is not a purchase.It is a lease which removes all risk from the landlord.
>>545873294They can refinance, the early higher interest is to filter out people who aren’t serious about living there for 30 years.
>>545873349You own the house at the end, virgin, as long as you pay your goy property takes, and you haven’t died for israel yet kek
I used to be jealous of people who could "afford" million dollar homes like that until I realized they didn't actually own them. I have nightmares imagining how hard they have to work, or even worse how hard they have to pretend to work in order to make the absurd payments every month. I could never do it, buy a big beautiful house where I always wanted just to spend most of my time in a cubicle not even enjoying the house. God forbid paying twice the price for it while it dilapidated, no fuck that. I would be much happier in a higher quality older starter home, preferably one ripped off from a dying boomer who can't sell unless he asks half the asking price.
>>545872452> 6.5%So they don't have the 990k yet.They will pay until they lose their job or divorce or one of them dies from "Long Covid".They may as well rent, which would be cheaper.
>>545872914I believe in usury, especially when Stacy and Jamal owe me money. Stacy took out a loan, it's time for her to pay it back
>>545872452I own 3 houses.
Can't wait to see him still bluepilled when his Mrs leaves him and takes the house (and he finds out the kids aren't his ofc)
>>545872452elon musk should spend less time crying about immigrants and more time kicking libtards out of his companies
>>545872452>puts a TV in front of a fireplacelol
>>5458724526,5% means 2 Million+ over 30 years. Are people retarded?
>>545872452>poopjeetshttp://www.google.com/search?q=toilet+witches+indiahttp://www.google.com/search?q=codex+pajeethttp://www.google.com/search?q=india+jamboyhttp://www.amazon.in/s?k=cow+dung+cakeshttp://www.google.com/search?q=india+poop+festivalhttp://www.google.com/search?q=india+cockroach+movementhttp://www.youtube.com/watch?v=c2Pi4-zWJTghttp://www.youtube.com/watch?v=9JDGGcY0wDUhttp://patriots.win/p/1ATVaFitCU/india-seeking-to-host-2036-summe/chttp://patriots.win/p/1ATVaFic5L/india-and-oh-you-statistics-you-/cGO BACK TO INDIA YOU STINKING PAJEETS>GO BACK TO INDIA YOU STINKING PAJEETS
>>545873252sicher nöd du banane du
>>545872452>Reddit poster>screen name u/Deez_Nutz_69ers >sounds like someone with the emotional maturity of a 12 year old screaming nigger at his COD lobby>place is brand new and already covered in $30 take out meals>flat screen TV on legs >they will have to pay Paco $500 to put on the wall for them because zero mechanical skills>all the tell tale signs of a fucking loser with $100k college debt for a degree in graphic design >and some $60k-$80k/year office makework job about to get automated by AI>yet somehow manages saves up $200,000 down payment required to buy a million dollar home in Oceanside>HEY REDDIT LOOK WHAT WE DID ALL ON OUR OWNThanks dad. Everyone I've ever met from Oceanside is a trust fund kid. They all have the same story too. OH I WORK REMOTE. And by that, they mean they call daddy when their bank account runs low. I bet you anything the comments are all like this because its not secret this is what's going on here.
>>545872452I’m surprised there are men on Reddit at all. Don’t you have to disavow all men and swear to get castrated just to make an account? That would make it a gay wedding which is very Reddit
>>545873509>So they don't have the 990k yet.>They will pay until they lose their job or divorce or one of them dies from "Long Covid".You know it's almost jewish in it's own regard, but I think when cringe couples get together to buy these they treat it as marriage insurance or some shit. Like "bitch okay divorce me and you'll get "half the house", only to pay off hahaha", but I wouldn't know being so unloved enough as to not get conscripted for such insanity.
>>545872852that $990k house in california at 6.5% will result in $1m in interest payments alone. these stupid fucks are paying more in interest than principle and i'm supposed to be jealous? get real, kike.
>>545873600it's hard to imagine how stupid some people are. you are looking at a sub 200 ng/dl test shabbos paypig whose first action in the new home is watching netflix and ordering overpriced goyslop
>>545873075I don't even know what prosecco is
>>545873600They can remortgage when the interest rates come down. They probably both earn €150k. That isnt extreme anymore. Help from mam and dad?
>>545873199it's oceanside, CA, nobody's going to be using the fireplace
>>545872452They're paying 60k per year just on interest jesus fucking christ
>>545872452I wonder what religion most of the posters on this reddit are?
>>545873995They're stupid yet they have more income than you. Hmmmmmmzz!
>>545872768that's not how it works you fucking retard (I bet you knew that already)
>>545874232there's not that many jews
>>545872452That's not an achievement.That's ink on paper and a lot of pretending.
I like how everyone always calculates the jew metaphysical value numbers for buying a house. Like, the house in question is actually physical too you know? That bitch is gonna need a new roof in 30 years, probably 2 years if the jew selling it to you really wants to extract all the "hidden value" of it. My friend for example figured out the "hidden value" of his Victorian mansion is the fact that it has leaded window panes and costs $2000 a month in the winter to maintain barely above 60 degrees. He actually did get a pretty good deal on it at least, $250,000.Anyway people who own houses like this are FIRESALE CITY in a few short years because at some point they can't afford the interest and WILL/MUST sell the house to stop the hemorrhaging. These are the people you get actual real deals on houses from, half off listing etc. ESPECIALLY in a market like this where every local boomer/jew cries and whinges about not wanting the price of their home to go down but have no one to sell it to.400k? Offer them 200k and say "call me back when you're ready". That's all you need to do. You're not their best friend, you're their ONLY friend.
>>545874373All that income and they're enlisting themselves into voluntary servitude to the bank.Sounds like a skill issue to me.
>>545872961You need to earn more money. $20/hr is McDonald's wages.
>>545874373I have 6 figures in Germany which is like 400k in San Diego but nice try
>>545872452>>>>>"buying"You mean the house the bank got for you, that you don't actually own?
>>545874539Incel cope and seethe
>proseccoI would rather die.Fucking shit belongs in a 1.5l plastic bottle.
>>545872961You're giga-fucked if you want to purchase any structure not sitting on struts, axles, and wheels. You might be able to pull it off with that income in some extremely impoverished southern rural area like Arkansas.
>>545872452>borrowing a lifetime's supply of money to be paid back with interest>buyinglol no
>>545872452>Muslim communities have local banks where they hand out interest free mortgage loans to married Muslim couplesWhy can't we do this?
>>545873017Is the 1.008% on catastal or market value? If it's market value lmao lmao
>>545872452Based basement dwellers, the banker stole a penny from everyone in this thread and every homeless person in his city to make that loan for him, and he took it.
>>545873908BANKS HAVE TO EAT TOO
>>545872769
>>545872999Is this Englisch? Can someone please translate?
>>545872452Redditors live outside, dealing with real people. 4channers are interacting with bots wasting their time over things out of their control or worse, imaginary fake problems
>>545874553Banks used to lend anything to anyone but they arnt doing that now. These people can afford this. It might not be a good idea but they can afford it.
>>545872452What the fuck kind of salary do you need to make to pay close to ten thousand dollars a month simply for a mortgage in California?I make a little over 100k and an affordable mortgage for me requires I buy a house at 300k or lessI can only assume they're paying out the ass for taxes too, which isn't as much an issue for meThis has to be some kind of psyop because the gap between haves and have nots is just getting absurd at this point
the racist, sexist, homophobic homeless sexless neet shall inherit the earth
>>545875419then do everyone a favor and go outside of your favela mudhut to meet these wonderful people you so admireI'll stay inside shitposting with the bots thank you very much
>>545875459It's not the banks they rely on, it's their subscription service jobs that are going to go kaput in a few years
It's pretty common knowledge that most people on here are losers. How many people are unemployed? It has to be the majority of people here.
>>545872452Why would I pay for a house when I can just live in one for free? Checkmate atheist.
>>545872452Oceanside is a military shit hole town at least around Camp Pendleton. Here are some OS locals versus Redneck Marines.
>>545873240Then you have to start all over again
>>545872452Kek, predditors are biggest brokefags on the planet. One time I mentioned paying $200 for a toaster oven and got flooded with “okay Mr moneybags man” comments.
>>545875480This would be a good place in your price range.https://www.redfin.com/CA/San-Diego/4060-Huerfano-Ave-92117/unit-202/home/6255997
>>545873189WE DID IT! WE CAME HERE ON H1B AND ENTERED UNIMAGINABLE NEVER ENDING DEBT BUT ITS OK BECAUSE IF THINGS GO SOUTH WE JUST GO BACK TO INDIA AND THE DEBT IS SOMEONE ELSES PROBLEM LOL
>>545872802i rather have nachos. weird color for a pepe
>>545872961>20 an hr>budget is 250k for homeLol LmaoDo you even have the down payment ready?
>>545874441you can't lie about facts100 quid borrowed at 6.35% over 25 years is 100 quid of interest. a 990k mortgage at 6.5% is 1million+what don't you understand?
>>545872452>complains about home prices>first time buyer at 1 million dollarsI hate these people more than words can express.
>>545872802Posting of that frog is STRICTLY VERBODEN between the hours of 17:45-22:05 GMT except for every 3rd Wednesday excluding July.
>>545872452inheritance. I dont know a single wageslave who was able to affort a house without inheritance. And its always the gigacucked and giga retarded people who inheret a shit ton of money for some reason while I wageslave my ass off with above average salary and still not being able to affort a small appartment. We really live in neo-feudal times.
>>545872452>failed to move ofYou live with 20 other browns.
>>545877211Sounds like your grandparents made some bad bets
>OceansideThats some Midwestern military faggot whose wife 100% cheated on him
>>545874869California is the biggest market for your cars after China. If we were to boycott your cars - Germany would suffer.24 yo LA BroGT3 RSFour million dollar house in Encino
>>545872452Lol that looks like my (rent free) room in the basement of mommy’s house.
>>545875176using islamic finance to buy a house doesn't work out much different from buying it yourself with a mortgage. it's true they don't charge you interest but basically they buy the house first and then sell it to you at a higher price which is what it would cost if there was a mortgage with interest.it's a very jewish way to get around no interest by just making the interest a charge you allocate differently. like an eruv wire for muslim finance
>>545873199You just need to install a deflector in order to prevent the heat from going straight up
>>545872452>he couldn't buy cashpathetic
GOOD EVENING SIRS
>>545872452>990k 6.5%
>>545877066They have a program out here where the state pays your down payment. My issue will be the price. I'm stuck between 160-180k which will get my a shit ass place. I need to make about 65k a year for something around 250-275k
>>545875010>extremely impoverished southern rural area like Arkansas.Good luck finding property/parcel in either Missouri or Arkansas that isn't part of an HOA.
>>545874994>look at me, I have a $2,1 million debt, I'm better than you
>>545872452>990k at 6.5%what the absolute fuck
>>545881067I’ve literally found tons of those, are you high?
>>545872769>filled with migger-tier marines and their dumb whore wivesIt's also got a metric shit ton of chinks and old people. My Grandma lives there. It's not terrible, but it's not great. That being said nothing in California is great anymore.
>>545872802I like that frog, thanks for posting! Sometimes the best frogs are the most niche frogs.
>>545872914It believes in you
