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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.
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.
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.
Is it a thing to find German mortgaging standards whacky?! I finally feel heard! Basically everyone here seems to pick up 35+ year mortgages with seemingly low monthly expenses, but the overall amount of interest they accumulate over that time is absolutely insane! And still, everyone says that you shouldn't pay more than 30% of your monthly income into your mortgage. It's hard to even find a bank that allows you to pay for a decent Sondertilgung each year. And don't even get me started on that whole Bausparvertrag system, because I have no idea what is going on with it or why anyone would ever do that
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.
Even just renting an apartment is full of bullshit.
"The apartment is $1300 a month."
"Perfect, I make $2000 a month."
"No. You're gonna need to make $3900 a month before we will rent to you."
you're not gonna be able to afford this apartment after a few years of 10% rent increases, and we don't want the inconvenience of evicting you when that time comes
I live in the Toronto area and rent here is up to like $2600 for a 2 bedroom. Why haven’t we burned shit down? Why do we take this??
Im no leader but I’ll gladly build some gallows and die for my kid’s generation. Im also a vegetarian, but I’m willing to roast and take a bite of the billionaire just to show my conviction. I think we should actually literally do it with one to prove a point
Yeah, the 3x salary requirements are insane when housing accounts for almost 50% of people's take home pay in most places.
3x rent is pre tax, 50% is after tax.
Just a small clarification.
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.
Same shit happening in Scotland. Knobheads makin bids above asking price on slum complexes in the city like it's fooken millionaire row. Last landlord I had chucked a new tenant out and returned her deposit for complaining about the broken shower basin cos he cannae be arsed. Not exaggerating.
I never thought I'd end up at a place in life where I worry about real estate valuations, but here we are. In my condo building, things are getting decrepit. I wondered why no one else seemed to care then I realized I'm in the minority of owner-residents, every one else rents out, so they don't care about how it looks. They just care about rents coming in.
Then I wondered why they don't care about losing value, then I realized, no one is losing value, some units here sell for the same price as a single-family home in the suburbs, even with the graffiti and homeless people wandering the street.
It's mad given that Scotland technically is quite pro-renter. You just can't enforce anything so landlords have learned not to give a fuck. A friend viewed a tennament they were trying to let with no kitchen (as in no cooker fridge or sink). Like something out of trainspotting.
Then there's all the expenses you didn't know about before you bought the house. If you don't have at least some DIY skills, you get to pay people a lot of money to fix things for you.
...BTW, the county just did a reassessment on your property and your property taxes have now doubled. In exchange, you get nothing. Congratulations.
Yup. Oops, you need a new roof and a water heater, that will be $34,000.
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.
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.
I can't believe someone watermarked their worthless reply to a post that said the same thing more subtly and smartly.