Are we in a bubble?

>666
Ok jew. 1pbtid coming up

>>509317087
Wrong thread?

>>509317023 (OP)
Nobody learned anything from 2008

>>509317023 (OP)
yes

>>509317166
The lesson was TND but nobody was ready for that

>>509317023 (OP)
It is just money. Trump's big beautiful bill showed everyone that not even US government give a shit.

>>509317023 (OP)
>2015: we're in a bubble, just wait
>2016: we're in a bubble, just wait
>2017: we're in a bubble, just wait
>2018: we're in a bubble, just wait
...
>2023: we're in a bubble, just wait
>2024: we're in a bubble, just wait
>2025: we're in a bubble, just wait
At some point you have to accept the truth. The national median for a home is $416,900. Even when the next crash happens, it's going to "crash" down to what? 300k?

>>509317023 (OP)
Depends on the area, but definitely in most places.

A glorified human-storage-box is not something that genuinely costs more than a year'ss minimum wage max.

>>509317023 (OP)
Military cannot be refused a loan. If they default the creditor just calls up Uncle Sam and they have to garnish wages until they get paid back. Firefighters and EMTs also get this benefit. Niggers love the military and that is part of the why. Now you know.

>>509317023 (OP)
Two slaves and their chains.

>>509317087
/thread

>>509317491
That'd be great. I could afford a house outright. I've been waiting so fucking long saving my pennies for the very moment the market tumbles.

>>509317491
decades of a home coting 3-4 times the annual income for normies; its now 6 to 8 times. its gonna crash hard as fuck

>>509317688
why wait, if you can buy outright do it. it will drop but trying to time the market is like catching a falling knife

its better to rent, save your chips, then buy outright versus getting a mortgage; hand wringing bankers want you to take the loan and fall into bonded servitude

>>509317611
X

>>509317023 (OP)
>VA loan
no

>>509317023 (OP)
>that pic

what's the chance they will be killed by a random cop by doing some random thing?

I like statistics.

>>509317612
Good for her, she's learning how to spell.

>>509318055
far more likely to be killed by another individual of color than a police officer

>>509317087
nailed it

>>509318151
Unless there is a dangerous felonious acorn tree nearby. Then everyone better watch out.

>>509317877
I cannot buy a house outright today, but once it drops I can. If the average house price drops to $300k, I'll be able to snag something for $250k easy, but that's an unheard of price in the current market.

>>509317310
The lesson was total kike death, look at how they shut down and divided occupy wallstreet

>>509318404
It kills me that to this day people think occupy was some democrat bullshit and the tea party was some republican bullshit.
Was amazing how fast those got coopted and taken over. I try to explain this to people with "protests" going on. Go try to protest something real and see how long you last on the street corner. You certainly won't be treated like the rioters in california regardless of your state.

>>509318347
>300k is unheard of
are you out of your fucking mind? plenty of places im seeing, 3 bed, 1 bath, or 2 bed 1 bath for under $250 and this is in an urban area. and they are all sitting, stagnant. no one is buying because the price is too high and anyone who did buy recently doesnt wanna come down. its happening. go on zillow and look around; alot of those homes are being taken off market and relisted to make it look like "new" listings. there has never been more inventory and so few buyers in the real estate market currently. its dropping. and wait till trump admin goes after foreign land and real estate buyers; their next move is to take that chip away from the globohomo so no foreign holding companies can own land here

>>509318608
>3 bed, 1 bath
what in the india

>>509318570
ya, occupy movement was usurped by the very corporations they were going against. why do folks think the corporations stepped in line altogether with the DEI bullshit
>hey, liberals, we corporations are actually on your side
its fucking disgusting

>>509317023 (OP)
>Are we in a bubble?
Of degeneracy, yes.

>>509317023 (OP)
Yes, but it's not going to pop. We just have to endure the misery and adapt to inflation

>>509317023 (OP)
there goes the neighborhood
time to move out

>>509318655
https://www.zillow.com/homedetails/3563-Carriage-Way-East-Pt-GA-30344/35860795_zpid/

this is atlanta

>>509317023 (OP)
>$318k for that massive house
America is literally life on easy mode. I can't get a 400sqft 1 bed flat for less than £350k around here

Although I think our mortage rates are lower, got offered 3.9%

https://www.zillow.com/homedetails/2452-Semmes-St-East-Pt-GA-30344/35849427_zpid/

>>509318753
>I'm a heckin revolutionary!
>*backed by the largest corporations in the world*
>>509318814
kek I know I'm just saying who the fuck would want to live in a *3 bedroom* 1 bath. 2b1b is bad enough. Maybe if someone was using 2 of those rooms for offices or something.

https://www.zillow.com/homedetails/1246-Lyle-Ave-East-Pt-GA-30344/35839725_zpid/

all these homes were priced at around $280-350k a while ago, they are dropping fast because everyone is trying to get rid of their inventory before the collapse happens

>>509317023 (OP)
>VA loan
>@6.6%
Kek I wonder how bad his nonzogbot rates were

>>509318915
agreed, its not ideal but its better than being a rentoid forever and as a starter home not terrible. plus alot of those homes have large lots so you can put another structure on it or add to the existing one

>>509319030
>plus alot of those homes have large lots so you can put another structure on it or add to the existing one
Not in fucking atlanta kek

>>509317023 (OP)
The US economy is immune from all collapse. Babylonian money magic has managed to localize market failure to artificially inflated markets, then rapidly deflating them. Sort of like alternating pressure relief valves. The effect is that mountains of "liquidity" move between asset classes at intervals and like a Navy ship, you might lose a few spaces to an attack but the rest stays intact since all are separated by watertight doors. This will be true until it isn't but they have kept it going way, way, way longer than anyone predicted was possible.

>>509318972
>everyone is trying to get rid of their inventory before the collapse happens
Drumpf going to preside over another 2008?

>>509318608
>wait till trump admin goes after foreign land and real estate buyers; their next move is to take that chip away from the globohomo so no foreign holding companies can own land here

i think youre suckling at trumps dick a little hard here. why would a real estate scammer crash his own market

>>509317023 (OP)
>VA loan at 6.6%
Hahahaha

>>509317023 (OP)
>niggers in the suburbs
it's actually over isn't it

>>509317023 (OP)
6.625
And the auto loans.

>>509317023 (OP)
FYI this is why your avg home costs 400k and avg new car 60k

>>509319129
you can, not as easy with some of the permitting but its not that hard here. believe it or not for a liberal city they are very open to developers doing whatever they want; so getting a permit isnt that hard for alot of places. its why there are so many fucked up 5x1 apartments complexes around

>>509319207
>And the auto loans.
Black people pay cash usually

>>509317688
The market is already tumbling if you want to live in extremely high insurance risk areas. Go live in a mcmansion in california that will get torched by a stray cigarette butt or a trailer in florida if you want to buy the dip. Everywhere else is still going up. Same as it ever was.

>>509319275
The new trend has been renting out duplexes as one unit, most of the time they don't even knock down walls or anything kek

>>509319162
you are a massive faggot; and yes. its a good thing, fuck the boomer investors and the stock market. we need a correction

>>509317023 (OP)
If nogs can get two cars like that and a nice house then why do all our American posters live at home at 40 while crying how unaffordable everything is? Genuine question.

>>509319189
huh, so his admin isnt talking about taking away property from foreigners??

>>509319354
>fuck the boomer investors and the stock market. we need a correction
strange how fucking the economy is a good thing when it's trump doing it. if it were obama you'd be having an aneurism

>>509318151
>>509318344

Based and interesting

>>509319349
naw, the new thing for the past 6-8 years has been 5x1 apartments. its the largest you can build out of wood (kindling) without flash joinery or fucking welding. the only parts of those structures that dont burn are the stairwells/elevator shafts and parking decks because those have to be made out of concrete or brick for some reason but the parts people live in dont unless it exceeds 5 stories

i think its horseshit. should be by code these apartments need to be made out of rebar and concrete

>>509319505
>muh whataboutism
werent you just bitching about how much it costs to live on your fucking island? the economy is not just the stock market; most young people are priced out; thats end stage capitalism so there needs to be a reset or no growth can be had. it would be akin to cutting out a fucking cancer so natural growth can occur

>>509317166
These niggers are paying $2,200 a month for this place. What happens when he loses his job at Foot Locker because someone disrespected him?

>>509317023 (OP)
>debt

>>509319505
nobody here likes fucking trump. nobody likes the left. we are at a higher level of dialectic now than the federal government's two party mind control corporate slave system. we are moving forward

>>509319389
Blacks get thousands upon thousands of dollars a month for free from White taxpayers. Then realize that blacks often don't pay their bills and they steal like mad. Now you understand?

>>509319407
no? where do you see this

>>509319824
whats worse is they are locked in at that rate, but home insurance and taxes will rise too, so their $2200 a month payment is likely to be $3000 in a year or two. happenned to alot of folks who bought in 20202-2022

>>509317023 (OP)
I got my house at a rate of 4.99% recently. You can find interest rate deals, but you will have to put up with shitty buildsrs.

>>509319951
>concerns over chinese land ownership
>states requiring landlords to be in the state of have a state representative
>push to drive out illegal immigrants and fining those that rent to them
these have all been in the news in the past 3 months

>>509319537
https://www.nbcnews.com/news/us-news/video-shows-florida-deputy-repeatedly-shoot-man-thinking-falling-acorn-rcna138829 in case you didn't hear about this story.
Probably the only time I felt bad for a nigger in recent memory kek

>>509317166
None. They are even openly lying in the media for Trump and Republicans.

>>509317491
The bubble burst was also connected to unsustainable loans for the houses.

>>509317023 (OP)
Operation ‘Middle Class’ Niggers is going to cause a bigger collapse and depression than humanity has heretofore seen.

>>509317087
/thread sage in all fields and fuck you tranny jannies, clean it the fuck up niggers.

>>509317166
I did.

>>509317137
Comment number.

>>509317491
If that. The median home price drop from 2006 to December 2009 was around 20%. These people with infinite cope think a crash will let them buy a house. If you can't buy a $600,000 house, you probably still can't afford it when it drops to $500,000, especially with rates hovering 6.7%

>>509317491
In 20 years that house will need a full resto. The kino way is not friending faggots but tradies. I started taking tours through historic homes and literally door knocking on sick houses being renod to find the people working on them. Began a raport and started in on designs using cad.
All of my friends are now tradies rich enthusiasts. I'm getting a brick rancher built for less than $180/sq when it should be around $300. Why? I made my own designs. Nerded my way into the supply chain. Am not a faggot.

>>509317491
Housing and AI will crash hard, as it stands housing sales are frozen because even the rich boomers are spent out. AI is a chatbot that will confidently give you flat out wrong information, and it's not getting any better despite the cope-filled claims from the industry. Lots of retards are going to get left holding the bags on datacenters full of GPUs that can't replace a jeet.

>>509320006
Funniest part, I don't think they fully comprehend that they have to pay 5k a month for the next 30 years to service all those loans.

>>509317491
>2000 we're in a bubble, just wait
>2001 we're in a bubble, just wait
...
>2007 we're in a bubble, just wait
>2008 AAAAACCCCKKKK

>>509317766
I'm not that knowledgeable on this sickest, but why would it? Every time I look at listing, all of the houses worth buying are in the process of being bought. Pretty sure blackrock is still just buying up everything and they'll create scarcity and price gouging. Correct me if I'm wrong but I really don't see things going down. Also it hasn't been just housing, everything has inflated. If it were just housing then a lowering would make sense.

>>509317023 (OP)
just some old fashioned block breaking

>>509317023 (OP)
Black People hit 8%, the economy crashes

Making poor financial choices like obtaining loans to live beyond your means comes naturally to materialistic niggers. The display of material goods serves to assuage some of the deep rooted insecurities inherent in the nigger psyche. This is why they are the favored race of the jews and the monied classes. They are willing to enslave themselves, no need for chains or plantations.

>>509319389
To rent an apartment in a non-nigger area is like $1800 minimum. Niggers get subsidized section 8 housing and pay like $300 a month for a big apartment for their 4 keedz. Mich easier to save money with unlimited gibs. Niggers also receive preference in hiring. The US isnt a serious country.

>>509321925
You're forgetting the key part of the OP post. Its a VA loan.

>>509321462
They didn't reveal how much they put down or what their payments were. They will probably pay more than 700k for that house if they finish the mortgage.

>>509322178
You misunderstood.
The loan is for their cars and they are disclosing their total repayment over 88 months at 14% interest.

>>509322086
What's so special about that? Still high interest it seems.

>>509319389
>VA Loan (Veterans Affairs)
One or both of them are veterans, these kinds of loans are part of the gibs to get the goyim to fight for Israel

>>509322522
They only got those loans because they are former soldiers in the nigatary. They are predatory loans given to retards on high end vehicles and properties.
Its a trap and they know they'll get their money since these niggers are backed by the government.
Best case scenario they fuck up and the cars get repo'd and resold to other niggers on VA loans.

>>509322412
It's for the house, anon. 318k for 2 entry level dodge vehicles? Let's say they put 20% down (they didn't). They would still be paying 629k over 35 years at a fixed apy with a mortgage of $1429/month.
T. It's simple algebra.

>>509322086
Veterans are the biggest fucking welfare leeches out there and it isn't even close.

>>509322770
kek you should go look at what "deals" these niggers and beaners are getting on cars.
While the OP is about the house, those cars are easily 200k+ on the the loans they got on them. No question.

>>509322178
It’s a VA loan, woman is on VA disability. That means no down payment, no PMI, and a large percentage of VA loans have property tax credits associated with them as well. house is in NC; Ram was 40k Durango was 59k.

>>509322844
Actual veterans deserve all of it and more. Shantiniqua and Dantel Jevon Latarius III don't however.

>>509317491
No one, at least in my group, ever said in the lead up to Covid (2014-2018) was a bubble. In 2018 you could buy a rundown home for $65k, and i was planning on buying two and fixing both up, living in one and selling or renting the other. That $65k home i bought, after I put $55k into it is now worth $290k. Im thinking were in a bubble. Once the market turns, which it looks like big cities are starting to unwind, this will drop quickly and a lot of people will get fucking wrecked.

>>509322894
It's for the house, bro. Let's not be retarded.

>>509323030
>While the OP is about the house,

>>509317166
They learn that the government will bail them out when they collapse.

How long before defaulting on all of it???

>>509322945
>Spend 2 years in Iraq playing XBox in the greenzone while mercs do all of the actual fighting because the DoD is terrified of even a single flag-draped coffin affecting public support for the war
>Get $300k in college benefits, lifetime of free healthcare, subsidized loans, car insurance, and free meals at waffle house
>Be more likely to KYS than be killed or injured by any enemy since the Viet Cong
Yeah, no.

>>509317023 (OP)
Going to love paying for this second nigger bail out

>>509322945
This.

>>509323030
It's for all three.

>>509320859
Boomer cope, you'll need to get banks bailed out again if there's another crash. That won't go smoothly a second time. Without a bailout you'll be lucky to get 1/10th the current value because the bubble will pop properly.

>>509323166
I said actual veterans for a reason but sure anon.

>>509322945
no they don't. most veterans are total niggers scamming the system and wouldn't be qualified to do a construction job

> Ram
> Dodge
> not even the Rebel or Hellcat
What is their deal with these cars? Just get a Mexican GTR and Audi Q3.

Said it before and I'll say it again, America no longer has a traditional "working-class" (excluding migrant labourers who are closest thing). It has three socio-economic groups now, rich, middle-class and extremely poor. Your average middle-class American would be considered quite wealthy in most other countries, including all of Europe and the UK. America has more millionaires than all other countries combined. I guess that's what happens when you essentially control the world economy for eight decades.

>>509323166
>Spend 2 years in Iraq playing XBox...
...After spending 18 hours marching through shitskin infested hellscapes.
> the greenzone while mercs do all of the actual fighting...
... with sheep and civilians who don't tolerate their abuse.
>because [Obama's] DoD is terrified of even a single flag-draped coffin affecting public support for the war
ftfy
>>Get $300k in college benefits
Not actual money, though.
>lifetime of free healthcare
Low-Tier Socialized Healthcare provided by Jaquavious and Shaniqua.
>subsidized loans, car insurance, and free meals at waffle house
So do niggers and illegals just for being brown. Why shouldn't Veterans EARN these privileges if we're just GIVING them to random browns?
>Be more likely to KYS than be killed or injured by any enemy since the Viet Cong
Because if we don't kill ourselves we'll end up killing people like you, your family, and everyone who has ever associated with you.
Yeah. Just yeah.

>>509317023 (OP)
another dogshit post by a disgusting fucking kike

>>509317023 (OP)
Absolutely
There will be some cheap homes
The problem is will it crash or just smother down and will it affect all parts of the US or isolated pockets?

If yoy have the cash to outright buy a home it's still a solid investment. That home will be worth 3x in 30 years

>>509317166
When you think about it, everything was great between 2008-2016, wonder why, or which President showed up

>>509317087
these ugly jewish demons spam this shit to keep the heat off of them, like i would ever forget jewish filth slithering around my country

>>509323393
see >>509323378
directly above your post.

>>509323559
once you burn through all the money the good times leave

>>509319824
>>509320006
When he loses his job at Foot Locker he gets a $45,000,000 settlement because Foot Locker doesn't want to be racist

>>509317023 (OP)
>>Worse: it's a cell.

It's like a bubble, but it's worse, because there are two countries at play simultaneously, together, like a phosopholipid bilayer membrane.

Regular bubbles only have one shit layer, these cells have purposeful function.

>>509323748
stay mad

>>509322906
We can some calculations.
P=318,000
R=.0625
N=12
T=420 (12x35)
P(1+r/n)^rt
They're paying $364,4459.56 in interest.

>>509323490
You _volunteered_ because you played too much Call of Doody as a teenager and fell for the GWOT psyop.
You're lucky the normal, non-psychopaths in this country don't lock you all in insane asylums instead of thanking you for your Sir-yes-Sir-vice

>>509322522
>>509322756
>>509322844
Their loan is from a bank like every other loan.
They might not need to do a down payment but they have to pay the full amount like everyone else.
There's no leeching.

>>509317491

radiactive dust

>>509323954
You really have 0 fucking clue how this shit works apparently kek
They would've NEVER GOTTEN THE LOANS if it wasn't for their military background.

>>509320139
>>concerns over chinese land ownership
https://apnews.com/article/public-land-sales-senate-mike-lee-bf4c3a046a107efc7d4ffe005fdb9d2d
Meanwhile trump is floating the idea that federally protected lands should be open to purchase to private entities. Not hard to see where this would go (rich asian investors and blackrock eat everything up)
>states requiring landlords to be in the state of have a state representative
Couldn't find anything on this
>>push to drive out illegal immigrants and fining those that rent to them
Couldn't find anything about imposing fines on landlords to illegals, but there are plans to fine the illegals themselves 1,000$ per day they stay past their deportation order. How the fuck are they going to enforce this or even collect this much money from illegals though?

These are all just talking points that conservative media puts in front of people's faces to placate them. Nothing will change until we either stop voting for and supporting them or they stop whoring themselves out to big donor money.

>>509323021
This. No one thought 2012-2019 was a bubble. The government and Fed were freaked out about dropping asset values (bad for the elite), so they pumped liquidity to the max to correct asset deflation. Anyone with money and a brain realized it was a bargain to buy in that era.

I'm not sure there's going to be a crash, because people aren't under foreclosure pressure (or at least not nearly as much as 2007-2011). What that means is there is going to be a slow realization among sellers that the Zestimate of $600k for their house isn't real and that no one will pay over $500k for it. The Covid surge is gone and everyone that bought at the 2022-2024 peak is going to be left holding the bag. There's also going to be fewer new housing starts from builders if they can't sell new builds for $600-$700k (because no one can afford that). We're entering a weird market where I think we'll be on the cusp of a crash, but will never actually get there. It's just going to be very difficult to both buy and sell a home for most people.

>>509323932
*$364,459 in interest
at 6.25% if they are paying $1459 a month. Kek.
>but it's only 6.25% and thats only ~20k of 318k.
Welcome to compound interest, niggers.

>>509324206
Wait until you find out about how much of the US is owned by the UN and how many "heritage sites" exist worldwide.

>>509323939
>You _volunteered_ because you played too much Call of Doody
COD didn't exist when I joined, squirt.
>a teenager and fell for the GWOT psyop.
My country was 90% White when I joined.
>You're lucky the normal, non-psychopaths
Ha ha. You're definitely a boy raised by a single mother. Ask me how I knew.
>don't lock you all in insane asylums instead of thanking you for your Sir-yes-Sir-vice
You do realize how catastrophic that would be? Ha ha. Son, I know only 1 thing about you:
>If you came face to face with me, I'd stop you into a blood puddle without breaking a sweat and there is nothing you could do to stop me.
But sure, clowns like you are going to put people like ME into asylums? Ha ha.
You're DEFINITELY the child of a "stronk single woman who aint need no man."
>Pic Related
>You

>>509324206
>>509324314
https://whc.unesco.org/en/interactive-map/

>>509324353
>My country was 90% White when I joined.
Nah, latinos were never white anon.
A lot less nigger and brownoid filled? Sure. But no sadly that barrier was broken many many moons ago unless you're a 200 year old or something.

>>509317023 (OP)
I mean, as long as theyre working that doesn't seem too crazy

>>509318972
Those three are from 1940s-1960 and all three look like a fresh Sherwin Williams remodel, there might be other reason they are dropping in price.

>>509324263
idk why you idiots are acting like this is some outrageous deal. This is a standard deal currently. If this is a house they plan on living in for the foreseeable future its standard.

>>509324516
Beanoids didn't make up that significant of a proportion of the u.s until the late 70s, anon. Stop being a retard thinking everything is has its always been.

>>509324353
>What the fuck did you just fucking say about me, you little bitch? I'll have you know I graduated top of my class in the Navy Seals, and I've been involved in numerous secret raids on Al-Quaeda, and I have over 300 confirmed kills. I am trained in gorilla warfare and I'm the top sniper in the entire US armed forces. You are nothing to me but just another target. I will wipe you the fuck out with precision the likes of which has never been seen before on this Earth, mark my fucking words. You think you can get away with saying that shit to me over the Internet? Think again, fucker. As we speak I am contacting my secret network of spies across the USA and your IP is being traced right now so you better prepare for the storm, maggot. The storm that wipes out the pathetic little thing you call your life. You're fucking dead, kid. I can be anywhere, anytime, and I can kill you in over seven hundred ways, and that's just with my bare hands. Not only am I extensively trained in unarmed combat, but I have access to the entire arsenal of the United States Marine Corps and I will use it to its full extent to wipe your miserable ass off the face of the continent, you little shit. If only you could have known what unholy retribution your little "clever" comment was about to bring down upon you, maybe you would have held your fucking tongue. But you couldn't, you didn't, and now you're paying the price, you goddamn idiot. I will shit fury all over you and you will drown in it. You're fucking dead, kiddo.

Also America hasn't been 90% white since the 50s.

>>509317023 (OP)
billions must die

>>509324791
And that anon isn't 80 years old. So your post is extra retarded. The USA hasn't been 90% white in a loooooooooooong time.

>>509324516
Child of a single woman.
Your opinion is invalid and disregarded.
You're not a man. You're a child incapable of critical thought. You can't play chess. You can't throw a baseball more than 20 yards. You can't swing a bat. You've never thrown a punch.
People like you deserve to be culled.
Luckily, women don't procreate with effeminate boys raised by women so luckily for all of us your genes cease to exist with you. . . And honestly? That's the best thing you could possibly do for humanity.
Die childless.
The sooner, the better.

>>509324904
If it makes you feel any better there aren't even 50m jews on the planet so we could probably finish that part off in a weekend if we all worked together and drew straws.
>>509324959
>point out reality
>random anon spergs out
I didn't even disagree with you just pointed out reality and this is your response?
Yeah you're a brown jew and will die by your masters.

>>509324791
>until the late 70
I graduated high school in 2003 in California. Even then beaners were at most 10% of my graduating class.

>>509324826
The IQ of /pol/ has decreased dramatically in the past decade. And it's not even HALF of what old /b/ was. You people are pathetic. Go back to plebbit, clown.
>Be you
>retarded
>Could have spent less time googling Demographic Trends than spent finding ancient copy pasta.
>Pastes pasta.
>Makes retarded statement.
>Never checked.
Just KYS, mate. You fatherless clowns are a plague on society.

>>509325028
LMFAO Point out reality? You're a fatherless boy, lad. Your "reality" is shrouded by emotion and weighed down by a lack of critical thought.
Your "reality" is propaganda and feminism. You people are clowns.
Call your dad. Ask him to teach you how to be a man.
>Reality
>Fatherless Boy Fantasies
I'd say you have to pick one but you can't tell the difference.

>owns himself in his own post with the numbers in his image
>has no idea of it
>posts it anyhow and doubles down
kek these brown jews sure are putting in work today

VA loans are why my once white neighborhood has a bunch of niggers living in it now. 4 year in and out worthless Army finance troops shitting up the place. They figured out how to use it and now they're telling their friends.

>>509325266
>i-its your fantasy that *checks notes* niggers and brownoids are being allowed in large numbers and have been for over 100 years
no, that would be yours, jewboy.

>>509325288
Don't forget gangs using police and military as training on top of that. Send in chico and he comes back with knowledge and materials.

>>509317023 (OP)
almost 7 percent interest kek. good goy slaves.

>>509325288
This is objectively false. Section 8 is why niggers live in your community, anon. It's not "VA Loans."
Your city council voted to turn your neighborhood into section 8, rent controlled properties and you falsely attribute it to the VA. That's wild.
>OMFG
>Every nigger in the military got out and moved to MY NEIGHBORHOOD!
What a fucking retarded sentiment. Are you really this fucking stupid?

>>509324220
>I'm not sure there's going to be a crash
>We're entering a weird market where I think we'll be on the cusp of a crash, but will never actually get there
As a previous crash-coper myself (been waiting for the housing crash for years now), this is what I am predicting as well. The fed doubling our money supply during covid shows us that the moneylenders and financiers REALLY do not want a crash to happen and are willing to do what ever it takes to prevent one, no matter how much life support is necessary. There are so many powerful investors in the real estate market now and they do not want to be losing money on their speculative assets.

Instead of a fiery explosion, we'll get some kind of a "slow burn" where we'll have some contraction and all of the telltale signs of a recession, but no one will be brave enough to actually acknowledge that we are in one (which would just induce a freefalling panic). Whatever it takes to keep the markets alive I guess

>>509324748
>paying 700k for a 318k home is a good deal
Kek.
They're paying 1400 a month. 318000/1400=227 months. 227/12 is 18 years. Instead they are paying it off over twice as many years and paying more than double for the house. Could have saved for around 8 years at 1400/month and bought a 150k house outright that was worth 150k. Waited for the market to go up, leveraged that equity into a slightly better home and had 2 homes for less than this.
Yall niggers better learn calculus.

>>509325416
This. I thought VA loan was low interest rate. I dont even understand the benefit of that's not the case.

>>509319824
or when he beats his baby mama and she leaves and stops paying her share

>>509325099
>California is the average
Please stop.

>>509325330
>"jewboy"
>Doesn't capitalize
>Doesn't punctuate
>Doesn't have any experience
>Doesn't share any facts.
>Just insults.
>Then cries when he gets insulted.
Again - you're the child of a single woman. That's bad enough, lad. Your life is already miserable and will NEVER get better because you were never given the tools to improve yourself... and the worst part is you DON'T EVEN REALIZE IT.

>>509319407
>>509319951
it's only in Tennessee

>>509325508
No down payment required.

>>509317166
Ron Paul remains right about economics

>>509325479
>150k house
are you a retarded boomer? That doesnt exist. 350k for THAT house is as good as it will get for the rest of history.

Here’s the recipe for sleeping with first dates on Tinder
> be good looking
> be tall
> have a good Instagram and good pictures
> drive a decent car
> have a nice place
> target late 20s-early 30s
This is the 1 and only way to get a lot of play from apps

>>509317491
>>509317023 (OP)
kek I got my home, in California the most expensive fucking state in the union, 30 mins from DT LA, for 200k. That was in 2017. 4% interest.

Now the same shit is selling for 600k @ 9% interest.

Millenials and Zoomers GET FUCKED LOL you never had the gen x potential faggots. Now make me my fucking hamburger, bitches.

>>509317023 (OP)
Black people don't understand money, debt or interest rates

*laughs in Steve Carrell, Ryan Gosling, and Christian Bale*

>>509323490
>veterans are better than niggers and spics
yeah ok, not a very high bar though. I can tell that you are army tough because you definitely aren't seething at criticism on the internet

>>509325621
Okay so they are paying even more in interest? Shit has no upsides really.

>>509325681
>30 mins from DT LA
anon, would this increase or decrease the value of the home at this point kek

>>509325654
The housing market and calculus doesn't stop existing because you don't understand how to save money or delay gratification.
Simp all you want but paying 700k for a 318k shitbox that will be condemned in 25 years doesn't math up. It's on like 1/16th an acre so you can't even say that land is worth a shit. No well. No mineral rights. It's a shit deal.

>>509325865
also 30 mins by walking, public transit or driving?

>>509325865
could go both ways but desu LA County still has tons of potential. There are some shitty areas sure but everything is being gentrified and even shit homes in places like Compton are hitting record high sales numbers.

>>509325560
My father intentionally sabotaged me my whole life out of jealousy lmao. Oh say caaan you seee.

>>509325508
They get "deals" on houses and cars they could never get otherwise and they are fucking morons like this brownoid here >>509325560 so they think they "won" something.
Basically these niggers would never get a car or house if it wasn't for the support of the US Government. Shock and surprise.

>>509325612
>things that will never be enforced for 1000, alex

>>509325981
> LA County still has tons of potential
too bad it has 10 million non whites kek

>>509317166
For the young people who may not know, the 2008 housing collapse that you hear about was caused by niggers and poor people. The media labels it as “predatory lending.” Google it. ACORN forced the government to give loans to people with questionable credit, aka niggers and poors. The government went along with it due to longing from financial institutions, plus they didn’t want to be called racist.

>>509325869
Awesome. But like an out of touch boomer you are equating what that couple did to purchasing a hellcat 20k over sticker on 25% interest when infact what they did is the current standard deal. Clearly you are an out of touch boom boom thinking houses are under 300k right now.

>>509323894
niggers are repulsive both in appearance and in disposition. No dignity, no etiquette, just ignorance. I've been very fatigued lately

>>509326049
enjoy your cardboard box in the sticks living around hillybilly yokels because you refuse to buy a home in a city, cleetus

>>509326005
It's not a deal though. They are paying even more interest with no down-payment. This shit is perhaps even more predatory than a regular loan.

>>509325862
SO MANY fatherless boys. Context is TOO MUCH for boys raised by women to follow because WOMEN can't follow context.
>veterans are better than niggers and spics
That was never the point, clown. The point was that if NIGGERS AND SPICS get benefits, VETERANS DESERVE IT.
It was that simple. Your kike-tier pilpul outs you. Now please, go suck more bloody baby foreskin, kike.

>>509325864
>Shit has no upsides really.
No upsides for the homeowner

>>509326147
LA county is 60% hispanic and in 10 years will be 75%. Your loss dude. Not the flex you thought

>>509326150
yes anon, that is why deal was put in ""s.
Thank you for understanding kek

>>509318753
those corpos are actually just jews. They were pushing that to kill the protest and expedite their killing of white majority nations. They pushed too hard though cuz now their golems turned on them.

>>509326147
nigger i live in brooklyn

>>509326214
When you die please remember you had a chance to kill yourself instead of dying alongside your masters. You chose this path.

>>509326242
wholly irrelevant to the topic. you wont ever own a home, not here not in bumfuck idaho.

>>509325984
LMFAO No, he didn't. That's what your mother told you. And it worked. You were just manipulated by a shitty woman who wanted to enrage your father by making you into a literal faggot and disallowing you from doing anything masculine.
That's why you're a fucking loser.
You BELIEVED that woman... and because you don't know how to be a man, you'll never understand because you'll never have a woman yourself.
It's vicious circle.

>>509319007
>turns out the zogbot benefits are pretty good
that's a decent rate anon, VA is usually the market mortgage rate, what's different is that the VA guarantees the loan, the VA also has more strict assessment standards, if you have any disability rating (even 0% rating, yes that's a thing) they wave private mortgage insurance and closing costs, can save upwards of $4-10k on that alone, VA loans also make it much easier to do lower % down payment

>>509326243
Do they at least check your income to make sure you can pay the monthly? Or do they just greenligh million dollar loans on a whim?

>>509326311
I do own a home though and have a slim white women of 8 years. In a major city. Thanks

>>509317023 (OP)
millions encase themselves in debt, constantly reminded of its existence, anxious. I'm warmed only by the remembrance of God. I'm cooled by his promises.

>>509326387
nah you dont or you wouldnt be here in a thread full of pouty millenial trash, you'd be pounding that pink poodle making more white babies, tard boy

>>509326381
Its based off your "benefits" and the backing of the organization. Basically its a trap.
If you're making extra income you could be fine, but something tells me those niggers in OP aren't career minded.

>>509326242
>LA county is 60% hispanic and in 10 years will be 75%
Fucking hell.

>>509326296
One of us is a successful business owner with a beautiful family.
The other is you.
Ha ha. You'll never be as wealthy as me... and considering there is ZERO DOUBT that you're a disgusting fatbody loser and I'm a 6'2, 200lbs athletic farmer... you'll die FAR before me.
>I'll die surrounded by family and friends.
>You'll die with Shaniqua the nurse waiting to pull your plug so she can go smoke blunts with her nigga, no one will ever care.

>>509326055
You stupid bitch ass nigger. I'm a millenial. I also understand that a house doesn't magically evaporate when you stop paying the bills and the bank that loaned you the money doesn't just get the house back.
It's a fucking shit deal. Save money. Put atleast 50% down. Don't buy a plastic shitbox for 318k. Don't be a goof.
I just broke down the math for you. Be mad at that shit. Not me.
Paying more than double during a high market for something that doesn't exist in a vaccum and needs constant maintenance is fucking RETARDED no matter how you slice it up.

>>509326478
not as bad as you think; mexicants HATE niggers and actively work to remove them from neighborhoods but they LOVE white people

>>509326052
They did it again, but through infinite illegals this time on government gibs.

>>509326387
>In a major city.
Fucking WHY? Are you retarded?
>>509326480
you are the brownest jew on /pol/ right now.

>>509326334
Im glad you know my situation better than I do. You had such a normal upbringing that you cant even fathom that that there are retarded fathers who view their sons as competition to be stifled. Happy for you I guess.

>>509326460
and why are you here then? Also Boise Idaho is 80% white so yet again tripping over yourself. You think you got the upgrade in South Africa, USA?

>>509326535
HISPANICS HATE WHITE PEOPLE TOO.

>>509326311
btw Los angeles isn't a real city. it's a couple buildings in downtown surrounded by a sea of single family homes 20x the size of downtown (which includes skid row kek).

>>509326480
Bragging on an anonymous shithole makes you seem desperate and retarded.

>>509317023 (OP)
Once they default on their house/car loans doesn't that mean they will just be resold into the market for way cheaper? Shouldn't this behavior be encouraged for ones enemies?

>>509326535
>He thinks living in a majority nonwhite city isn't that bad because no niggers
Your grandkids will be Mexicans you stupid fuck.

>>509326147
post your hand

>>509320859
Whats the spread between 2009 to 2012?

>>509326535
go back to mexico you fucking spic

>>509326573
Don't mind him, he has to project so he doesn't cry. Brownoids that achieve higher than 80iq are in eternal suffering.

>>509325479
you are assuming that the mortgage has no interest, which is very wrong. VA loans have no down payment, but they are still paying 6.625%, so their annual payment is more like 2000, not including their required mortgage insurance and property tax

>>509326587
myth. they love my ass and my neighbors bring me tacos at least once a week. they invite me over to their loud ass parties because I dont complain and always hook me up with a thicc booty college girl for the night.

>>509326582
choose your enemies better dumbdumb, it's going to be spics jews or niggers. one of these people already occupy a vast swath of land right below us and have christian values.

>>509326654
kek skid row is conventiently placed right in the middle of the fag district

>>509326728
/po/ is not what it used to be. I wish all these normalnigger boomer faggots would leave.

>>509326664
If you're going to call people out for being poorfags and retarded than you can't whine when they prove they aren't, jealousnigger.

>>509317166
2008 was only a setback

>>509326844
Learn to read Id's please newfren.

>>509326701
I'd move there honestly, but I have too many investments here that require my personal attention to just up and leave.

>>509326681
>post hand
here's my dick instead, seething zoomzoom

>>509326550
Somewhat. A large portion is being caused by private equity firms purchasing real estate. It grew from less than 5% of the market to nearly half in the last 6 or 7 years.

>>509326494
>high market
2 more weeks right? Houses are luxury items from here on out buddy. The Post-WW2 boomer world literally ended. You think houses will be affordable again and single income fathers will be able to support the mortgage, a wife, 2 kids and vacations? Ha. You are retarded. Stick to playing with numbers though.

>>509326814
You'd think a lot of them would've fucked off to xitter by now since that is the new fake edgy playground.

>>509317023 (OP)
Good for them

>>509326767
What? I broke it all down. Even broke it down if they put 20% up (which they didnt). The math is the math, guy. It's basic ass calculus. A=p(1+r/n)^nt. That gives you the interest to be paid over the course of the note. You add that to the principal. It's all amortized over the length of the note which is 35 years, in most cases. You can opt into an 18 year note which is paid twice a month and can decrease the overall interest paid resulting in a less egregious contract.

>>509327082
retard, we created this place, we were born here, you merely shitpost here and pay us rent.

>>509326982
Oh, then why did you give a shit about that anon calling out someone that was calling him out like he was talking to you, fag? Were you offended by proxy? Bounce back to plebbit.

>>509323021
Yeah. I tried to buy a $25k fixer upper home on the edge of town back in 2018 but the realtor who I called to show it to me cock blocked me and bought it for themselves to add to their rental portfolio.

That house is still owned by the rental company but it is still vacant and collapsing to this day. Must have been too much work to fix. Get fucked realtor.

>>509327342
Based. Realtors are trash.

>>509327309
I have a long post history in this thread. Too long for a proxy. Please take your meds q boomer. Thank you for your attention to this matter.

>>509327017
That they stuff with illegals to keep rent up. I am seeing so many ethnics in houses and apartments that they obviously cant afford because I never see them leaving for work. Need to remove subsidies for section 8 housing for single family homes.

>>509327453
I didn't say you were on vpn, summernigger. Lrn2read. I said "were you offended by proxy".

>>509317023 (OP)
Why do niggers always flip off the camera?
Oh right.. ha ha I'm so stupid, its because theyre niggers.

>>509327573
Stay seething newfren.

>>509317611
>Niggers love the military
Only in peace times.

>>509327236
kek you will die alongside your masters.

>>509326535
>not as bad as you think
>they LOVE white people
HAHAHAHA cope more about your "investment"
t. commiefornian who actually lives in an 80% spic town

>>509327309
>express an idea on a public forum
>another person responds
>NOOO it's supposed to be a private conversation between those two

>>509317023 (OP)
You could say that
But its not popping in this lifetime

>mfw refied right before the covid shutdowns at a sweet 2.5

>>509327748
we'll see about that fuckin negrodemus

>>509327818
>t. rentoid delusions
Blame your retarded parents for not giving a shit about your future.

>>509326553
You'll never be as White as me. Nor will your ancestors

>>509327913
>*loud jewish noises*
join the brownoid nigger >>509327998 in the ground where you belong.

>>509327852
I was getting alot of request by my lender to refinance down to 2% flat but the associated fees pretty much made it redundant to bother so I stuck with 4%, been paying double every month since 2018 and the principal debt is peanuts now; the equity on the place went through the roof.

>>509319189
Think Trump is in the commercial sector which is eating shit regardless.

>>509323378
The kid I knew who joined the Marine Corp in 2005 is a tranny now. I have a family friend who was a green beret in the late 1970s who never even deployed in combat who is literally on his 8th marriage right now. All veterans are insane.

>>509326573
LMFAO
I'm right, though. Consider that. Consider how I knew. You don't have to agree, but if you have an iota of sense you'll ask yourself:
>How did he know?

>>509327043
I think we all needed to adjust and instead of thinking we can blow money endlessly when we start getting it we need to save it up. I just said. 1400 a month saved is 150k in 8years. Shit, even when I was 17 helping my basketball coach build his house he was paying me 2k a month. 1400 a month is difficult as shit, no doubt. And not everyone is going to be able to live with their parents like I could. Which is also why I think usury for homes is ostensibly raping people of their limited time. That doesn't mean you should take out a 318k loan for more house than you need just to keep up with jonesbergs.
I broke the math down for you. As the principal goes up the amount you pay over time multiplies. Don't fall for the trap, anon. Save your money.

>>509317612
none of those snacks made it out of the kitchen

>>509328053
>Retard doesn't realize I'm the same person.
Holy shit, your IQ is showing.
>No punctuation or capitalization.
Nigger-tier.
>Can't follow context.
Roastie tier.
Take your "L" and move along, squirt.

>>509326814
>/po/

>>509326778
>they invite me over to their loud ass parties because I dont complain and always hook me up with a thicc booty college girl for the night
painfully obvious that you're one of them
see >>509323490 how much better they are than niggers

>>509327818
>I can't into context and take everything personally even if it's not directed at me
Woman moment.

>>509328192
how's it feel knowing you will rent from people like me your entire life? kek

>>509328244
>y-y-you're ONE OF THEM REEeEeEEEEE
>loud rentoid noises
whatever helps you cope at night bud

>509328192
kek this nigger is so mad and brown and jewish

>>509328088
what percentage of the population do you think has the ability to save 1400$ a month for 8 years? Nobody. The world ended maybe you didnt get the memo.

>>509317023 (OP)
6.6 aint bad.
at least they're making payments which makes them workers which means they wont be fucking up the neighborhood like Obama's kids on Section 8 Voucher Free ass rent NIGGAS!

>>509328335
>nobody
Sad to see how depressed kids are these days. 1400 a month is nothing to the average middle class. I spend more than that on fucking video games and toys a month.

>>509321176
Jeets plus AI already destroyed its capacity. Its the blind leading the blind leading the blind and the results are going to be incredible. Think China is going to win out on the AI race due to this.

>>509322770
>14%
>88 months
Anon, I ...

>>509323477
>Your average middle-class American would be considered quite wealthy in most other countries, including all of Europe and the UK. America has more millionaires than all other countries combined. I guess that's what happens when you essentially control the world economy for eight decades.
middle class has shrunk a little, poor and wealthy have expanded

>>509317023 (OP)

It’s all a big bubble, gentlemen, tragedy of the commons and all

https://www.youtube.com/watch?v=MesrrYyuoa4

>>509328335
>nobody
I was making 25/hr at 18 working construction. Pretty simple shit i learned in wood shop and building skateramps in highschool. It's not up to me to tell your ass what you should do. I followed a tried and true formula of "work in the trades and go to college". Shits not really not that hard if you aren't a total retarded.

>>509317023 (OP)
damn these niggas are retarded. there is no way in hell they are keeping any of those in 3 years

>>509317491
2008 fiasco, Outer Bay Area homes in California went from 900k to 199k in less than a year. then the banks and investors snatched them up and rented them out to Obama's new Voucher plan for guaranteed income to the lowest life hood rats on Mother Earth
It was a fucking nightmare seeing 1/3rd of my neighbors forced to move out to have them replaced. REPLACED!

>>509325129
Bro, he's just throwing light banter at you about your time as a zogbot and you are getting really defensive about it. Are you sure you are ok?

>>509319824
+ the bloated larp suvs

>>509317023 (OP)
Am i the only person that would be embarrassed by all parts of this?
>bragging about debt
>wanting a picture of yourself with your possessions
>asking someone to take a picture
>posting the picture
>being black
This is all so humiliating. Why do normies do this?

>>509328547
Where are you getting 14% from anywhere? They bought a 318k house at 6.25% with no money down with a V.A loan.

>>509328618
they tried this again recently and especially during the covid era by removing penalties for thieves up to 1000 bucks value stolen, meaning small businesses literally vanished, boarded up gone and even now much of san fran is a wasteland, even bigger stores packed up.

usual jewish scheming; make it impossible to conduct business safely then snatch up all the cheap property that will be worth 10x in the coming years.

>>509328729
>>being black
its this part that renders the rest moot. See the zognigger jew sperging out at the whole thread for a practical example. In their "minds" they think they are winning.
Yeah, I know.

>>509328601
you said you lived with your parents for 8 years. Most people dont have that. The average car payment is 400-600$ and rent is 1500-2000/month. With your 25/hour wage at full time you are left with 600-1000 dollars just after rent and car payment. Then with everything else you are looking at like 300-500 dollars left. You just seem out of touch. The american dream died lmao

>>509317491
it is happening, it's just not crashing as fast as 2008 because so many people are locked into ultra low payment mortgages and there haven't been huge job losses yet. But they are starting, did you see ADP today? House near me has been cut from $499 to $399

>>509328324
>Rent?
TF?
LMFAO
I own 300 acres, outright, fucking loser. I'm wealthier than everyone you know, combined.

>>509328618
>my house is not longer worth 900k so I have to sell it at a 10x loss
How the fuck does this even make sense? Lmao. Your mortgage doesn't magically increase when the value of your home decreases nor is your income predicated on the value of your home.

>>509328745
Doesn’t that still mean the house will cost them almost a million dollars?

>>509319389
>If nogs can get two cars like that and a nice house then why do all our American posters live at home at 40 while crying how unaffordable everything is? Genuine question.
that pic needs to be reposted in every whining neet demoralizatio thread

>>509317023 (OP)
Imagine seeing that these are your new neighbors
>ay yo, why the house prices be going down and sheeeit

>>509317023 (OP)

>100% financing + closing costs rolled in means they're now underwater if prices dip 5%.

>If both cars are ~$50K+ financed at 7%+, that’s $1,500–2,000/month just in car debt

>Maintenance costs: HVAC, roof, HOA fees, rising property taxes after first year+

>In first 5 years, over $100K of payments will go mostly to interest

TL;DR they're financially screwed from this decision unless somehow they remain stable for 10+ years with no issue and are homebodies with no additional major purchases or problems.

>>509328947
I only own 127 acres.
But it's in downtown Phoenix, Arizona.
Get on my level, pleb.

>>509329022
because typically when shit is tanking there are lots of job losses as well because everything is connected to the ponzi pyramid of finance
>>509328947
trim your nails for christ sake

>>509317491
You post this like a "gotcha" moment but we are LITERALLY in a bubble and when it pops it's going to make 2008 look like a fucking happy picnic

>>509317023 (OP)
Aaayyooooooo, we wuz NEIGHBORS an' shiieet......

>>509328834
Yep. Remember when Mayor London Breeze had made it illegal for Companies to offer free meals to their Tech peeps. because she tried to force them to buy lunches at failing business for their failed socialist shit. then they closed down the first Walk in, No Register food store. you walk in with your phone and it charges to your phone wallet. they closed it saying it was unfair to homeless when we know homeless had Obama Phones and free SocSec checks of 800 a month. they just fucked everything in that city. Closing down 1st-8th on Market and putting in faggot Bike Lanes. and I'm a former Bike rider and I knew the risk. they don't want cars. by doing so they closed down small business and even large ones because of no parking spots do to the fucking bike lanes. Now they got a new leaning/liberal trying to fix shit. its gone for good. Moved to Austin Texas. Frisco FUCKED UP

>>509329180
>TL;DR they're financially screwed from this decision unless somehow they remain stable for 10+ years with no issue and are homebodies with no additional major purchases or problems.
if they're vets they are very likely gov workers. This is how a lot of them live, they finance their lives to the hilt because why not they have infinite job security and a pension

>>509328947
>tacoma
>farm truck
lmao you've never farmed a day in your life

>>509329286
>we are LITERALLY in a bubble and when it pops it's going to make 2008 look like a fucking happy picnic
it has been popping for a year at least, -20% here in caliwali
China has a bubble 5x the size of 2008, they are in way deeper shit than anyone

>>509323559
>everything was great
100% false. The frog was getting boiled too quickly and that's what made Trump a viable candidate. The people who voted for Trump in 2016 were trying to reverse the damage of the Obama years
>obamacare + mandates
>niggers intentionally being shipped to white cities where the niggers get their housing and food and Healthcare for free so they can terorrize white people all day
>democrats pushing for more gibs for illegals AND for more illegals
Obama put us on a terrible path

>>509323021
>>509324220
>nobody thought 2012-2019 was a bubble
What the fuck is this revisionist history psyop bullshit? Is nobody ITT old enough to have been house hunting ten years ago? Everyone thought the housing market was a bubble and it was all millennials talked about. We all remembered 2008 and expected another bubble burst just around the corner. Sadly those who waited got fucked hard and most of them are probably still paying rent and waiting.

>>509328890
>muh car payment
>muh take out
>muh weed
>muh beer
Cope. Bitch and more or adapt.

>>509329443
growing pot counts as farming

>>509329039
Around 700k, yea. At 6.25% with nothing down over 35 years paying 1400/month.

>>509317023 (OP)
>318k
>for 2 Dodges
I could buy better cars 15% of that.

>someone bought a house
>problem
thanks trump. let me instead rent from mr noseberg

>>509328090
none of them made it off the floor

>>509317023 (OP)
You bet your fucking ass. This is 2008 on steroids. Screencap this.

>>509329502
exactly you are delusional. I mentioned only absolute essentials and you are playing "avocado toast" boom boom games

>>509329543

>>509323954
>there's no leeching
Wrong.
Interest rates are supposed to vary based on creditworthiness, but Biden instituted a new provision that charges MORE for people with good credit and that pays for the REDUCED interest rate that niggers get
>sir, you have excellent credit, and it's a shame that we have to penalize you for it
>MY NIGGA, I am happy to offer you a reduced interest rate despite your murky credit history
Biden wasted no opportunity to make white people pay for niggers

Captcha: D DAY 0

>>509329257
The only people that lost their jobs during the housing market crash were the people that caused the housing market crash.

>>509329590
jesus christ....

>>509317023 (OP)
Leveraged to the hilt.
They are because no self control.
$320 home, $150 cars. No savings, no retirement, probably living off of credit.

>>509329789
No, you are making shit up because you don't want to work a hard job that is in your wheel house even if it pays better so you can be a fag working an easy job in your wheel house. We all need service plebs but YOU don't have to be one of them. I worked carpentry (service job) for years while I went to school and now I don't have to take some faggots word for it and make decent money.

>>509317023 (OP)
>Are we in a bubble?
Did your mother REALLY tell you that ?????
As for the pic you guys pretend houses were not cheaper now than in the 1990s but that is because you expect some giant McMansion with, swimming pool, no niggers within 100,000 miles and you do what women do with dating demands honestly, junior. You've saw way too many movies, boy

>>509324206
>deportation order
Kek. I'll use this opportunity to remind people that during Trump's first term he allowed millions of illegals into the country, but issued a "deportation order" for them.
>why?
When illegals get caught they already have a deportation order out on them so it's easier to deport them
>OK, so what's your problem?
Trumpfags INSISTED that these deportation orders were actual deportations, which they weren't.
>Trump lets illegals in
>they avoid detection
So their deportation order is never acted upon. Trump in his first term essentially held the view that as long as they aren't committing crimes they should be allowed to stay.

We added illegals during Trump's first term because he was a massive faggot

>>509324220
>no one thought 2012-2019 was a bubble
False. I felt it was a bubble so I avoided investing. Ive missed out on more than a decade of bubble gains because mentally i can't bring myself to throw my money at a bubble

>>509318830
Who's decision was it to move to London?

>>509330009
I just absolutely demonstrated you cannot save that kind of money without living rent free get fucked. If the average person who pays rent and a car simply cannot save money with the cost of living right now therefore the country is dead. More boomer pull by the bootstrap talk by mr mommy basement dweller. Get fucked

>>509319824
No no no
That's a 0% down loan
That's a minimum 3000/mo
That car payment for both vehicles is well over a thousand a month at nigger interest

>>509317023 (OP)
this is post blm reparations stuff. they just decided to give black people jobs and money

>>509330025
Last time you went upside down in 2008 you put it on Greece. Who is it gonna be this time, Hans? VW and Audi have already packed up their bags to China.

>>509330095
And then demoniggers went full blown "omg fear and doom and gloom and sky is falling" right on queue while the BBB strips Americans of their safety net and illegals get to continue being the muse of the grift that big business uses to ham-fist govt bux and monolpolizing instead of competing in the markets ingratiating the oligarchs both sides of the isle claim to be combating while living off a revolving door of welfare more egregious than aipac.

>>509320772
what did you learn senpai?

>>509330202
Are you the average person? Are you in a position to put your life on hold for the average person? Or are you going to figure shit out for yourself. I simply don't have the money to give a shit about the average person and don't hamstring myself thinking "I'm average so get i have to get in line" just to bitch about being average online.

>>509330586
then what I said is true. A house is a luxury item and moving forward will forever be. Where as in the post-WW2 world, all you had to do was exist and have a job to be a homeowner. The world changed. I am a homeowner by the way and did put 20% down with some help from parents on both ends as boomers should with their kids.

>>509330830
It's not. You have spent zero time learning about what you qualify for. You don't even know how compound interest is calculated. You couldn't afford the upkeep on a house to begin with because you have zero fucking skills. You're at the bottom and refuse to beleive it which is preventing you from even starting.

>>509317766
On a long enough timeframe this is true. The question is how long can you afford to wait? My wager is it won't happen until the youngest boomers start to move into assisted living over the next 15 years.

>>509330830
If you spent half as much time learning what a house is as you did bitching about boomers and doomscrolling you would be half way towards one of your goals. I'm out. Be blessed anon.

>>509329257
>trim your nails for christ sake
1. That's my left hand.
2. That's my nose picker.
3. Fuck off.

>>509330981
They will be like a 100 years old by then. Lot of overworked and inderpaid Millennials will drop dead themselves before Boomers will. Lmao.

>>509328067
It made sense for me since I had purchased not too long before and the fees weren't bad. It's already well paid for itself. There were some other circumstances that made me want to refinance then like getting a much better job and wanting the co-payer off of the contract.

>>509331360
People born in 1960-64 will be in their late 70s and 80s by then. That's assisted living age. Millenials barely have any houses to offload. The parents and their dead kids' house will be hitting probate at the same time. Shit will 100% get real then.

Before that houses may go up slower than inflation, but in nominal terms they're only going up over a 5 year period.

>>509317491
Yeah, shit never happens

>>509317023 (OP)
Nigger