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.
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.
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.
@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.
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.
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.
I have 6Mbps (and it's not just me), if that gives you an idea on the pricing/tiers... (no other options, semi-rural USA internet, it's not even perfect service).
I don't believe fiber is available, or at least it doesn't seem to give that info (like it did before) that I can see now. Also, it's an old phone wire into our house and that's it (no ethernet jacks).
I think 10Gbps in general is the max. I haven't thought about that level of speed because it's expensive, for both the plan and the need to upgrade all my network equipment to support 10Gb.
I'm jealous, I pay like $33 for 600mbps after having opted out of paying from all the useless antivirus and filters and having my own router rather than renting.
I think different countries have different PPP, so I wouldn't say it's fair to compare directly like that. I think ease of access to such services and how much it costs in relation to wages is a better gauge.
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