Just buy a house bro!

>just think of the equity bro
>just sign a 30 year mortgage bro
>just make a huge financial commitment in your 20’s with no idea what will happen in the next 20 years bro

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and when you buy in
you tell the universe I like living as a slave, please give me more

stop being poor
stop being financially insecure
STOP BEING WEAK

good goyim. sign the papers and don’t listen to those idiot! being a homeowner is what life is all about goyim!

how do you do NPC
did you watch the game last night ?

>seething rentcuck cope

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Why is there only one row of houses per street?

Never mind, the fence behind the houses looked like another street at first.

>calls himself a home-owner
>doesn’t technically own his home

seething mortie

Mortgage in French translate to “death pledge”.

Comedy gold

Is everyone here who is anti mortgage leeching off their parents for housing? Surely no one could unironically think ranting is a better financial decision

There is an actual reason to be anti-mortgage but I don’t care enough to write it out.

Essentially, if most people don’t want to commit to living in a shithole suburb, it makes no sense to buy a home that will be sold in a few years. Especially when new homeowners get great benefits buying their first home. You don’t want to burn it on something temporary.

Repairs and maintenance and so many other taxes/fees kill you too.

>mortgage payments are incremental purchases of house
>rent payments are tributes to a landlord and purchase nothing
>rentcuck hemorrhages money forever
keep seething

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looks comfy af

this is the rational take
leech off your parents until you can buy a house wholesale
renting and mortgage are two sides of the same coin, and it's no surprise most of these topics are started by either renters or mortgagers - fundamentally normies and cucks in their heart

>30 year mortgage
15 year mortgage. Only idiots go for 30.

No, idiots go for 15.
160IQs go for 30 years and pay it off in 15

Get a 30 year and pay it off in 10. A little more interest, but gives you flexibility for hard financial times.

>I own my house now
>I still have to pay tribute every year for Israel and niggers

>t. never lived in one of these closely packed carboardboxes
You have to hope that you dont have or get loud neighbors, shitskins, rapists, etc and if you do you cant even relax in your backyard or even leave a window open because youll all hear each other breath. These homes are nothing more than upscale projects.

Why do people want to live so closely to strangers?

ITT: 19 year olds who still hate their parents

hey retards! have yyou ever lived somewhere and then you get paid when you move? no? let me tell you, it's pretty cool. all you need to do is have a big boy job and big boy bank account and you can invest money into yourself instead of giving johnny schmol your money. so, work extra hard when you punch into quiznos and some day yuo may have the 5% necessary to buy a $100k home! i know this is confusing. maybe fortnight dance a little bit so you can feel better! /biz is a safe space! tah tah retareds!

I'd glad I inherited a house.

>just sell to another wagie in 30 years and buy a slightly bigger box

me: invest money that i get back for an interst rate lower than my investments make

you: hi jonny scheklestien, plz take my trump bucks

This looks like a fucking shithole. Google tells me it's in Ontario. Why do leafcucks live like this when they're one of the most sparsely populated countries on the planet?

That's not what wholesale means. And you still don't need to buy a house in cash if you are investing that money and renting instead. You could get a better return with the latter if you are savvy.

I own my house outright.

ITT SEETHING RENT KEKS


I love it, rent cuck Friday

but i already paid of my mortgage at age 30

My friend bought a cheap house in a run-down neighborhood with the believe that it was going to be gentrified. That was ten years ago, and that neighborhood is still a ghetto shithole, lel.

>buy a house wholesale

Houses don’t come wholesale, retard. Lol, do you think they have a warehouse with houses on shelves? Building a home
might be what you mean. Home building is a huge risk that you could lose your shirt on. You have to stay on top of your contractor CONSTANTLY or otherwise your workers, some of whom might skip off to Mexico or decide they don’t need to work anymore because they have $3000 in their account they want to spend on hookers and blow.

If, by some miracle, a bank gives you a home building loan (unlikely unless you’re a contractor) You’ll have to meet deadlines that are pretty outrageous.

You can always go prefab, but then when someone’s wife hears “prefab” while looking at the MLS listing they’ll immediately think “junk” and dismiss it entirely. Buying existing homes is a good way to go for first time buyers.

I think the user you're replying to meant, wait until you have money to buy an existing house in full without having to get a mortgage/loan.

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In the city I live:

Relatively modern apartment, 800 sq ft, 1 bed, 1 bath, 1 parking space = 1470 / month

Older house but in generally good shape, lots of charm, literally less than a mile away $235k - 3 bed, 1 bath, 1100 sq ft, fenced in backyard, 1.5 car garage + slab for parking. $1475/month mortgage payment (will be lower once I refinance)

For $5 more a month I'm living in the same neighborhood, I'm getting more space, and because this is one of the hottest neighborhoods to live in I'll likely be able to sell the house in a few years for much more than it was purchased for

so even i know that a house is a retarded liability with a ton of upkeep cost, but what about an appartement in a big city? also more JUSTED than renting?

Of course it usually makes financial sense to buy instead of rent. My issue is that I don't really know what I'll be doing in 10-15 years. I don't want to be "stuck"

You guys know you can sell houses too. Just put on your big boy pants.

It must be embarrassing to be a rentcuc. Imagine not evening be able to to prequalify for a mortgage.

nothing screams STRENGTH like semi-permanent debt slavery

General guidance is buy for 5 years

But even selling before that isn't a total lost cause, especially if the property value goes up significantly during the time you live there.

You should buy a house as a place to live in.
Your investment in the house should be money, time, and sweat to make it the best home for you and your family.
You really should only sell if you need to.

Rent places you don't expect to live in forever or you don't care about customizing.