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Old 01-30-2013, 11:12 AM   #1
SAUTO SAUTO is offline
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yeah but it also sucks that you know you'll be paying like $150,000 more than your actual house costs because of interest
dont finance for 30 years.
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Old 01-30-2013, 11:22 AM   #2
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dont finance for 30 years.
maybe you don't know how much my house cost on a 15
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Old 01-30-2013, 11:27 AM   #3
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maybe you don't know how much my house cost on a 15
maybe it doesnt really matter. maybe you spent more than you could REALLY afford.
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Old 01-30-2013, 11:28 AM   #4
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maybe it doesnt really matter. maybe you spent more than you could REALLY afford.
How do you know what I can afford? I just don't enjoy paying interest.
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Old 01-30-2013, 11:31 AM   #5
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How do you know what I can afford? I just don't enjoy paying interest.
i dont know what you could afford. again if you dont like paying interest finance it for a shorter period of time.


simple
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Old 01-30-2013, 11:36 AM   #6
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i dont know what you could afford. again if you dont like paying interest finance it for a shorter period of time.


simple
oh you mean i should put 0 down on a new car and finance it for 5 years?
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Old 01-30-2013, 11:57 AM   #7
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oh you mean i should put 0 down on a new car and finance it for 5 years?
Heh. Coincidentially, I got pretty close to doing this. I ended up putting 2,000 down on a 3 year note and the car was used, but still. I had enough for about half the cost of the car, and the interest rate was so low that it was going to cost me like $200 to hold on to the rest of the cash.

I probably could have got away with nothing down, but they would have had to re-run the application, so I just put 2,000 down. But hell yes I will maintain the ability to access my money for $200 in interest.
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Old 01-30-2013, 12:10 PM   #8
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oh you mean i should put 0 down on a new car and finance it for 5 years?
i was thinking more like 7 years, and make sure you borrow some money to put some wheels on it too
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Old 01-30-2013, 11:26 AM   #9
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Originally Posted by JASONSAUTO View Post
dont finance for 30 years.
Well, it depends. For people that are regular wage earners and the house is going to be their only major purchase in their lifetime and they are comfortable with the costs of money as long as they can make the payments, it isn't that bad of a deal.

You have to worry about ROI, most regular homeowners don't. And depending on life goals, that can be OK.
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Old 01-30-2013, 11:29 AM   #10
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Well, it depends. For people that are regular wage earners and the house is going to be their only major purchase in their lifetime and they are comfortable with the costs of money as long as they can make the payments, it isn't that bad of a deal.

You have to worry about ROI, most regular homeowners don't. And depending on life goals, that can be OK.
i didnt finance my house for 30 either.

i'm just saying if you want to bitch about the amount of interest paid on a home note shorten the note
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