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My issue wasn't getting pre-approved, it was being able to actually afford the mortgage amount I was pre-approved for. A lot of these companies don't give a damn if you can actually afford the mortgages they offer, because they know you'll either figure it out or go homeless trying.
We probably live in different countries, but where I live it's more like you can't get pre-approved for anything unless you either have a large amount of money saved up, or your salary is high enough that it's far beyond what you would reasonably need to get paid to afford the mortgage.
You live in Germany don't you
Or any country with responsible lending rules.
Lenders are not your friends. They'd take your organs as payment if they were allowed. The rules are there to stop them doing bad lending and then hounding you to your death.
Yeah that was my experience as well. Mortgage companies were happy to pre approve me up to like 75% of my monthly income. Not even close to enough to buy even cheap food.
Fudging the numbers a bit, but let's say I'm paying $3000/mo for a mortgage. Brokers tell me I can afford $10,000/mo.
I cannot afford $10,000/mo.
And while we're ranting about this, can we throw PMI and whomever came up with it on the bonfire where they belong?
Your telling me that I need to pay for you to have insurance in case I default while your also charging me interest who's very purpose is to offset risk? Why am I paying to offset your risk FUCKING TWICE AND HOW IS THIS FUCKING LEGAL.
Shit infuriates me. I want all the bankers to get William Wallace on live TV, recorded and played back once a year during a mandatory viewing window so that we never, ever, forget.
This is one of the reasons my wife and I took so long to get a house. I refused to pay this absolute SCAM. So we saved up to put 20% down. What a crock.
Its legal because value comes from ownership, not from doing things.
And if that sounds insane; you're a fucking commie.
The corrosive corollary to ever-rising real estate valuations is that there is no incentive to keep buildings like condos nice or neighborhoods clean, someone will buy at the inflated price anyway since they all are inflated.
So basically I feel in Canada we live in a system that pulls valuation out of thin air, produces nothing, incentivizes no one, yet allows everything.
Going to be wild when people just give up on society and just start eating the ruling and ownership class. I tried warning these assholes if they didn’t give something. Then they would doom their existence. And now you have more people radicalizing everyday because they are being put on the streets.
I can't believe someone watermarked their worthless reply to a post that said the same thing more subtly and smartly.
They don't actually need regular payments for 10-30 years. They need you deposit that down payment cash ASAP so they can lease it to billionaires and crypto exchanges.
The deposit is to cover expenses/losses that arise out of defaults. Housing loans have been lile this forever. Not everything is a conspiracy.
Actually i guess the bigger issue is that we're gonna be unemployed in 15 years due to a declining demand of human labor and then who pays back what?
Today you could afford the pay-back rate, but not in the future, and the banks are well aware of that.
Where y'all finding houses for 500/month with a 25k downpayment?
Seems cheap af. If you only did a 25k downpayment the mortgage would certainly be more expensive than rent where I'm at.