Damn, what country are you in? I bought at the tail end of the 2008 crash. Things were still low but, coming back up. I think I’m at 4.5%
My friends parents bought in 2007 and keep making terrible financial decisions so they can’t refinance. If I understood right their interest rate is 15% or something INSANE.
Romania. We are in the EU but not in the €urozone. We still use the local currency. For the same amount in € the rate is 6.40%. Total ripoff compared to the Northern/Western parts of the EU which is why I didn't sign shit. They can go fuck themselves.
That would confuse me even more to be honest. A submission that people discuss and reply to is not what I would think of as an article - to me, that would be more like a standalone publication.
I do feel like using different terminology could help in understanding how this all fits together though.
Germany. We got our loan in 2018 for 1.78%. A friend of mine even negotiated 1.4%. However, we have a loan term length (is that the word?) of 10 years, so let's hope rates will be low again in 2028.
Edit: It's a fixed interest rate over 10 years. Zinsbindung in German.
Loan term refers to the total life of the loan. A 10 year term would mean you could pay off the loan in 10 years through making minimum payments.
Are you referring to an adjustable rate mortgage (ARM)? That’s what’s they’re called in the USA. ARMs haven’t made a lot of sense in most cases as of late.
What does lending look like there? Do you all do 30 year mortgages too? Do you have an option for a fixed rate mortgage?
Poland here. Was quoted 2-3 months ago anywhere from 9.5% to 11.10%. Fixed rate for 5 years and then it would be updated to whatever the new rate will be.
I refused, gave up the purchase of a house till the prices will calm down (if ever), going to buy a boat to live aboard.
In Australia but we are just over 7% on our variable rate. Think 2 years ago it was down at like 3.something%.
Our reserve bank keeps upping the cash rate to "combat inflation" but all that is doing is making those of us with home loans give the banks more of our earnings while we already couldn't afford to splash out.
@RMiddleton Yep. Means the author removed a letter from the word. So in the image above the author removed a d or s from the word waive. It just helps the quote make sense in context of the passage.
Frankly it was a steal compared to what some of the places we missed out on went for. One place we looked at was listed at 419, we offered 610, and it sold for 731. It was a ~1000 square foot bungalow with a half finished basement.
i haven’t tried olive oil and other similar oils like others have suggested, but there’s a product in my country that’s specifically sticky stuff remover (like label residue) and it’s made of orange oil
It's in the peels and has lots of the fruits flavour. All citrus have it, that's why you grind a bit of lemon peel into your food: It tastes way more lemony than the juice.
Ya know, I have been asking myself that for two weeks now I have learned that over time I have completely lost sight of having passions, deep interests and stuff. I guess it's time to try to rediscover those things because it's hard to get out of bed in the morning.
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