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On things you don't need to know but I'm going to tell anyway, I'm a bit sad b/c our current income is not enough to buy the house 🏠 my wife (and I) desire.
I need a better income next year 😬 #freelancingIsHard
@eaplmx Ahhh, sorry to hear that 😢 The housing market here in Oz is insane and inflation is through the roof 🤦♂️ I _feel_ your pain 😅
@eaplmx Ahhh, sorry to hear that 😢 The housing market here in Oz is insane and inflation is through the roof 🤦♂️ I _feel_ your pain 😅
@eaplmx Crap. 🫤 Buying houses has become virtually impossible over here, too.
@eaplmx Crap. 🫤 Buying houses has become virtually impossible over here, too.
@eaplmx Crap. 🫤 Buying houses has become virtually impossible over here, too.
@eaplmx Crap. 🫤 Buying houses has become virtually impossible over here, too.
@eaplmx Phu. Good luck with that. Fingers crossed. We also thought about buying a house, but not the one we are renting right now. As the owner of the current one mentioned, he wanted to sell it we thought about it, but we saw that it went up from initially 450k (year 2019) to whopping 720k (year 2022). No way! It is insane! It went down a bit to 650k but still way tooo expensive for us.
@eaplmx The thing is, if you can afford to pay of a mortgage equal to your current rent is, then you should probably buy. The problem I see is, that all houses got soooo expensive, that paying off the mortgage takes longer that people live.
@eaplmx Yeah, that's bad. :-( The prices here are also super high, but they're slightly declining again. Not much, but a wee bit. So there is hope.
Thanks everyone! I had a tough but important talk with my wife after receiving the negative from the bank, and we'll lower the expectations while we work as hard (and relaxed) as we can.
🙂
@carsten That's part of the plan. Sadly the monthly payment for that house is 2-3x the cost of the rent. The interest rate is about 10.5% yearly (I guess it's not huge, IDK how it is in your countries)
Here by law, the debt must take up to 20 years (WTF!) to be paid, so shouldn't be longer than an average lifetime. But if you are unable to pay at that time, they don't give you the credit, so you feel like you have no options.
Well, enough ranting. That's how it is, so we'll keep looking for options 😄
@carsten 450k-720k USD? Sounds to me like a big number!
A decent house here is about 50k-100k. With 500k you can get a small mansion in important cities.
Also, the average wage in my country is about 500-1,000 USD/month, so I guess it's a matter of numbers. Thanks for sharing, it gives me perspective.
