[ SECRET POST #5484 ]

[case]

⌈ Secret Post #5484 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.


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Notes:

Secrets Left to Post: 02 pages, 28 secrets from Secret Submission Post #785.
Secrets Not Posted: [ 0 - broken links ], [ 0 - not!secrets ], [ 0 - not!fandom ], [ 0 - too big ], [ 0 - repeat ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.

Comments

Re: Teeny Rant

[(Anonymous)]

Lol, yeah, I've lived in Vancouver for the last fifteen years, and there's always a bit of a mental struggle for me when a character is stated or implied to be lower middle-class or working class and then their home is a sizeable free-standing house with fresh paint and shit. That is like $1.5M here, minimum. So I see their house and I instantly call bullshit. But then I remember there are lots of places where owning a free-standing home isn't possible only for the wealthy and I'm like... Fine!

Re: Teeny Rant

[tabaqui]

Yeah, 99% of the homes on TV are so out of the price range of most people, it's nuts.

Then you watch something like 'Property Brothers' and people are looking at homes that are a quarter to half a million bucks, with a mortgage that must be at least a couple to three thousand a month (or more), and they don't do anything spectacular or really high-paying, and it's just baffling.

I've never seen one home on those shows that I would say is worth that much; they're just not that special.

Re: Teeny Rant

[(Anonymous)]

da

Average mortgage payment on a half million dollar home is less than the median rent for a one bedroom apartment here. Depending on their circumstances, if they can scrounge up the down payment, it could make financial sense.

Re: Teeny Rant

[tabaqui]

Hrrrmmm...may be in some areas. But to hear these people talk, they're paying 2 or 3000 a month. Plus that's not really taking into account property tax and insurance, which can vary wildly.

I don't think I know anyone who could 'scrounge up' the 10% recommended for a down payment on a house that costs that much. Maybe I only know poor people, who knows, but almost any down payment is out of reach for a lot of people.

Re: Teeny Rant

[(Anonymous)]

That's really not that much if you're splitting it between two incomes. Like, around here, the average one-bedroom apartment is over $1000 a month, so $2000 or $3000 assuming both partners are contributing isn't bad at all.

Re: Teeny Rant

[tabaqui]

That's just so incredible to me. I literally know no one who could afford that, and most people are on two salaries.

Re: Teeny Rant

[(Anonymous)]

Well, minimum wage here is also over $15, so that definitely plays a role. Most jobs have salaries that pay way more than that hourly.

Re: Teeny Rant

[tabaqui]

Yeah, ours *just* went over 11, and most jobs paid a lot less for a long time.

Re: Teeny Rant

[(Anonymous)]

Yeah, I'm the Vancouver anon from above and 2K per month is nothing around here. I mean, my 50-year-old, shitty one bedroom apartment in an undesirable suburb is $870 per month in rent, and the only reason I don't move is because it's actually a really good deal. I couldn't afford $2K per month personally, but the average rent around here is probably around that. So if you're already paying that in rent, and you have two stable incomes, then it makes sense to be investing that money into a property instead.

Re: Teeny Rant

[(Anonymous)]

ayrt and exactly, when rent is close to the same price as a mortgage, then in a lot of cases it just makes sense to buy so you actually own.

Re: Teeny Rant

[(Anonymous)]

$870 is really good for my shitty Florida town, so I don't blame you! Nicer, new apartments here are $1,400+ and houses are more.

That said, I had to put $35k down on a $230k house to get a $1,500 a month payment, so the million-dollar mortgage on a non-software-engineer salary makes no sense to me.