I'm going to buy a House!

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Imma be honest, I'm not from the US so I have only a superficial knowledge of what a credit score is, but I'd reckon that's something you can affect, no?
- Then why tf are you commenting at all???
  That's like jumping into a support group and being like "damn that sucks have you tried not having that happen to you?"
  If it doesn't apply to you why tf are you even here?
  
  Seems like a humble-brag / flex / punching down to me. I don't buy that they are totally ignorant to what they are saying.
  
  Then why tf are you commenting at all???
  You must be really fun at parties.
  
  You must be really fun at parties
  Well, the only people I've known who say this phrase are idiots. So I guess we know what that makes you.
  
  You must be really fun at parties
  Well, the only people I’ve known who say this phrase are idiots. So I guess we know what that makes you.
  Thank you for making my case.
  
  Just saying that despite the memes it's completely possible for a normal dude to buy themselves a home. I believed the meme until I tried. The more people I get to try buying a house, the more people get to buy a house, making their lives better and landlords lives worse which is a great win-win in my books.
  Why fall into despair when there are things you can do to help your situation is what I'd ask you, knowing full well you didn't answer the question I laid.
  
  The problem is that you're being extremely naive and ignorant of the rapidly worsening material conditions the majority of people in the west are experiencing. Your suggestion that "there must be something you can do to improve things, why are you whining?" comes across as tone deaf and dismissive.
  People are struggling to keep their bills paid, and most are doing everything they possibly can to try and improve their situation, yet are still failing to keep their heads above water. It's like someone is screaming "Help!! Help!! I'm drowning!!" and you're screaming back "I'm swimming just fine, isn't there something you can do to stay afloat? Why are you panicking?"
  
  “there must be something you can do to improve things, why are you whining?”
  If the "why are you whining" part is how it came across that's on me. I meant it more like, "there are always possibilities to improve upon your situation and that is always a better option than falling into hopeless despair which merely keeps you misery". And no I don't mean just get a fifth job lmaoo, but literally anything that's reasonable and realistic.
  Nipping off anything off your budget so you can get 20 bucks saved a month is a better option than giving up on the dream of owning a house.
  Unionizing for a better pay to get 20 bucks saved a month is perhaps a bit more provocative option but an extremely healthy one at that.
  You get the jist. Like I said to the other fella in this comment tree, I've been reading into credit rating system during this convo and yeah I start to understand where the high emotions come from.
  
  That $20 a month you're saving up dries up really quick when you get sick or hurt and have medical bills that can lead to debt. Most people in America can barley survive month to month, there is no saving. Not to mention saving $20 a month would take you 500 years to afford a cheap 120k house. You sound like someone who has never faced actual financial hardship beyond "I should eat out a little less".
  
  there are always possibilities to improve upon your situation
  This is the fundamental thing you're not getting: sometimes there's just not.
  
  "Just save 20 bucks a months and you'll afford a house."
  Are you serious?
  
  Lowest prices I've seen for houses in Finland sits at about €200k.
  Let's cut that in half. €100k.
  20 bucks a month nets you €240 bucks.
  I'm gonna go out on a limb and say you're a lying piece of shit but, hey, maybe you knew a guy and bought some shit tier shack for that much.
  Who knows, all I know is your math doesn't add up.
  
  Lowest prices I’ve seen for houses in Finland sits at about €200k.
  Please look more before spreading misinformation.
  Who knows, all I know is your math doesn’t add up.
  For sure, since I literally said that by saving 20 bucks a month for a year anyone can buy a house lmao. I wonder what giving up on your dreams have ever done for you? I know exactly what it's done for your landlord though
  
  Ok, then why don't you go ahead and provide us with some numbers buddy?
  I'll wait, and I will be verifying.
  
  After less than a minute of search found this for less than 7k. Fully renovated, walking distance from the town center. Saving up money at 20€/mo for just 3 years gets you 10% deposit for this one.
  And as a plus, if you translate that page you'll notice how it's being marketed towards investors. Fuck them.
  I'll help you move after you've "verified" whatever that means.
  Edit: it literally is IN the town centre
  
  I rescind my earlier statement. You aren't lying, but you're missing a key point of reference.
  This is no where near the average plot size in the United States. Average plot size in California, for example, is 8,327 square feet. Priced the same way, at €315 per square meter(alongside translating from square feet to square meters, 773) , you end up with a whopping €244,197.xx.
  I'm sure there are lower price points, but you should see what I'm saying. Not to mention, it isn't nearly as easy as you say to just "move to Finland". It's not like I speak Finnish, and who's to say how I'd make my money?
  I mean, shit, in a few months here in California I could buy a house in Finland. It would not be anywhere close to the house I'm currently paying mortgage on, not in size or value, but I'd absolutely be able to swing €6.5k.
  All in all, I get what you're saying. The reasons above are why you're getting such vitriolic responses. I'm sorry for being a part of them.
  
  Thank you for the good comment!
  This is no where near the average plot size in the United States.
  I wasn't aware this was a goalpost, I thought we were just looking at houses to live in and there definitely are houses below the claimed 200k which is quite an outrageous figure.
  I’m sure there are lower price points, but you should see what I’m saying.
  Well yes and no. I'm not fighting the statistical fact that the prices of houses have increased dramatically, and that it has affected mostly young people. I'm just saying that with a few concessions its is perfectly viable to find a home. Not perhaps as lavish as your parents had during their time, but still. I've linked a couple cheap shits in this thread from around the US that I just quickly found by googling "real estate + first state to come to mind".
  as you say to just “move to Finland”.
  That was an attempt at humor, I wasn't expecting you to move here. Tho you totally could as long as your profession isn't strictly customer service. Afaik most IT-offices run on english anyway.
  I’m sorry for being a part of them.
  No worries mate it's all good! Hope all the best for you!
  
  You just said you don't know the US housing market or what a credit score is but you feel confident in saying people can just buy themselves a home.
  Also the more people that buy houses the less supply there is, which means there's more demand, so house prices go up even more.
  Yes, people can just fix it. And depressed people should just be happy. And sick people should just eat healthy and work out. You are beyond naive.
  
  Still waiting :)
  
  On what?
  
  You just said you don’t know the US housing market
  Sources on this claim. Or, do you not find it hilarious that you base your opinions on stuff you literally made up? Like actual headcanon
  
  So when you want information you have to pull up your big boy pants and ask for it.
  Well 2 really jump out and illustrate my point, lets see, you said:
  I doubt that’s the case in all of the US, there must be places with more modest prices.
  There must? I mean you just admit in that sentence that you don't know but you doubt (based on nothing), then go right off into an assumption and using that assumption ad justification.
  Imma be honest, I’m not from the US so I have only a superficial knowledge of what a credit score is
  So you're not from the US, which means you lack knowledge by just not knowing the laws, culture, systems, etc. But you then go on to say you only have a superficial knowledge of what a credit score is, a VERY large part of buying a house.
  You don't know fundamentals of how buying a house in the US works but you feel confident in telling people that you're really helping them out by saying "Buy don't rent" like it's some huge revelation.
  
  There must? I mean you just admit in that sentence that you don’t know, then go right off into an assumption and using that assumption ad justification.
  Ah shit sorry I didn't know there weren't
  So you’re not from the US, which means you lack knowledge by just not knowing the laws, culture, systems, etc
  As you very well know, there is no such thing as reading. I know nothing of the things I've actually not seen myself.
  Bro I know you're a kid but please
  
  Ah shit sorry I didn’t know there weren’t
  OMG, guys, he found a single house. The housing crisis is over, someone alert the press. This single house destroys the entire market shift that is happening right now, we need to alert real estate companies. What an idiot. The fact you think this proves your point just shows how naive you are lol.
  Pro tip, maybe read the things you send. Like the fact that the property is an online-only foreclosure sale? You know what that means right? Who am I kidding, of course you don't lol.
  Bro I know you’re a kid but please
  I think grandpa needs to go back to bed. I'm a kid? Based on what? I've told you I own a house and I'm in my mid 30s... You really weren't kidding when you said you know nothing.
  
  OMG, guys, he found a single house.
  Googled "real estate ohio" and that was the literal first option of the first page that popped up. Really had to dig deep for that gem. Think that's the only cheap house in the country though.
  Aaaah just fucking with ya here's another googling with arkansas
  I’m in my mid 30s…
  In all honesty, no one with a matured frontal lobe is that emotional, actually spazzing out to strangers online. I literally do not believe you to be an adult.
  
  You just said you don’t know the US housing market
  In this comment you state you've read my every comment, yet I missed this one, care to point it out for me? Throughout the convo I was looking for dope houses on the market, many of which were totally in the range of around 150k. That one guy bought a big lot for less than 50k.
  Anyway you sent like 100 comments over the night, mostly with points I've already addressed so I'm not gonna reply to most of them. I am perplexed about the perceived hostility towards me, surely your landlord is happy knowing full well their walking-talking rainy day fund is out there defending them and making sure the situation never changes. Buying into this doomer-propaganda is exactly what lets your Lord to live a happy and fulfilling life. Make no attempt to change it.
  But in all seriousness, I know how nice it is to crawl into misery and feel defensive when someone tries to nudge you out. I've never felt THAT defensive but despair is very addictive. I'm just saying that if there are things to do to improve you life and reach your goals, you are probably better off doing them rather than sperging out on randoms online.
  
  You're being a cheerleader at the edge of rapids butthurt because your chant of "be aggressive" isn't actually helping the drowning people feel better.
  
  a cheerleader at the edge of rapids butthurt
  This reference flew right over me mate. Also, I never intended anyone to "feel" better, but to do better. A concerning amount of pro-landlord hysteria out here to be quenched, how people perceive it is really not my prerogative.
  
  Being anti-"I literally can't afford a home" isn't being pro landlord you fucking idiot.
  
  Being "I'd much rather pay my dear Lord more money in exchange for doing literally nothing to improve my situation" is exactly what the Lord you love so much wants you to do.
  Why you seem to be mad at me who's at least trying to help you out, instead of the leech that sucks the money out of you is something only pro-landlords will understand apparently.
  
  You absolute bell end. Read what people are saying. No one wants to pay a land lord, everyone wants to own a house. They literally can't. All your "try hard" chanting doesn't make it any not possible.
  You're not trying to help out anyone. You're the guy telling the person who's depressed due to chemical imbalance to "just try being happy" then you get confused when they tell you it doesn't work like that and insist it does.
  
  You’re the guy telling the person who’s depressed due to chemical imbalance to “just try being happy”
  Next time I want to say something, I should just ask what visions you've been having lmao. Like literally your every comment is about a comment you think I made, yet I never made one. Actually delusional
  
  You aren't trying to help.
  I understand you aren't trying to hurt, but you aren't being useful in a discussion about traditional Western housing options.
  
  Even though admittedly the credit rating system sounds ass, I really can't fathom anyone who's down for saving just a bit not getting a loan for, say this 22k 1301sqft house in bumfuck ohio. Like if you can't then you are the outlier.
  
  Never said I read every comment you made, I said "reading all these comments" which is very diffent.
  I didn't send 100, it was like 3. Yes you addressed them, just extremely poorly, so I called them out again.
  I'm not defending any landlord, I'm just calling out your naive and uninformed statements. You even admit to ignorance on topics you're speaking to. I own a house guy, I don't know what angle you're trying to play lol.
  I'm not in any sense of despair, like I said I own a house I love. You're problem is you assume, just like you assumed I have a land lord and don't own a house. You assume people have just given up, you can't even fathom the concept that it is unattainable. You have this boomer mindset of "if you work hard enough anything and everything is possible" which ignore reality and the very real obstacles it has.
  
  Lmao keep dodging boy
  I mean, considering you are literally making up claims, it's hard to address anything without resorting to same
  You're only defending the stuff landlords want you to defend
  I'd ask for sources on that too, but knowing you, you'd just say I said it without backing it up with a source.
  
  Keep dodging? There's nothing to dodge lol. You misrepresented the statement and I corrected you. I get you may not like being wrong, but it doesn't make you less wrong lol.
  Making up claims? Like you saying I made 100 comments when anyone can look and see that's factually wrong? Or do you mean more vaguely making up stuff, like how you admit you don't know how credit scores work but think people should be able to buy houses, which rely on credit scores, a thing you don't understand?
  I hate landlords, nice assumptions and reach though, but super transparent. 2/10
  A source for what? That I own a house? Sure, I'll show you proof, right after you show me proof that you own this magical house that was super cheap and easy to get.
  
  knowing full well you didn’t answer the question I laid.
  They never answer the question you asked them, instead they just yell at you, telling you how bad you are for asking the question.
  
  Why wont you improve your life is a question that makes me bad?
  
  No, implying it's a choice they just decided not to make does.
  
  No, them for not answering that question that you asked.
  
  That would be because the question is as ridiculous as asking a blind person why they don't just open their eyes so they can see.
  
  That would be because the question is as ridiculous as asking a blind person why they don’t just open their eyes so they can see.
  Just because you may judge it is ridiculous doesn't mean it actually is ridiculous.
  If you're having an intellectually honest conversation with someone, and they ask you a question to make their point, you really are supposed to answer it and not avoid answering it.
  By avoiding answering the question you basically signal that you can't answer the question for whatever reason, not that it's not worth answering, and that your side of the argument is weak.
  
  You can't have an intellectually honest conversation if there is a bad actor. Intellectual conversations of any kind are predicated on at least two parties doing the mental work necessary to understand the other side, rather than arguing simply for a feeling of being right.
  The moment a question like that is posed, it's no longer an intellectual conversation, it's one person put in the position of teaching something basic to someone who doesn't want to learn. No adult owes that to anyone, unless they are being paid to do it.
  
  The moment a question like that is posed, it’s no longer an intellectual conversation, it’s one person put in the position of teaching something basic to someone who doesn’t want to learn.
  That's one hell of an assumption / straw man you have there.
  I would challenge you to consider that you might be incorrect about that, to consider not doing that classification if it's just questions you don't like, or more importantly, don't have an answer to.
  
  It's not a good look to assume that someone doesn't have an answer, just because they don't find it worthwhile to teach you basic thinking skills.
- Affect, sure. In the same way that one can affect having rich parents who support you, thus making it easy to be rich yourself.
  Being poor is fucking expensive, and the credit score system is a big part of that.
  
  The credit score system is the yoke upon which the millennial/zennial generation has been shackled while Gen X and Boomers ride the wagon of home ownership and comfortable living due to not having to deal with that bullshit in the 70's, 80's, and 90's.
  
  I was born in 1971. I can't speak for all of Gen X, but my experience growing up in the 80s is that I was presented with "everything's fine, you just need to get a job and it'll all work out." So that's what I did, and got nowhere fast. Married too early to the wrong person because pooling our resources seemed to be the only way out, then still struggled to get anywhere. Everything pointed to "I guess we're just not trying hard enough." Follow this with depression, divorce, working multiple jobs at a time to keep a roof over my head...
  I think plenty of Gen X were just on the the earlier edge of the wave that became what it is today.
  
  Idk if that's a passive or active you, but anyway that level of effect sounds quite large, maybe folk should find ways to make their credit rating better.
  But I restate I have no clues as to the inner workings of this "credit rate" and if it's indeed impossible or otherwise unrealistic to effect, I'm willing to grab an implied L on that one.
  
  You positively affect your credit rating over long periods of time by taking out loans and paying them back. If no one will loan you anything, you can't affect your score. If you can't pay the loans back, it damages your score.
  
  What happens if you don't take loans at all before applying for a mortgage/house loan? You're just at like a N/A rating?
  
  Then they just deny you for "lack of credit history".
  
  That's just kind of nonsensical, isn't it better for someone to not have needed a loan before? To me that seems like the more mature creditor compared to someone who's pulling credit constantly, regardless how well they pay it back.
  That indeed does seem to suck, apologies for having to deal with a system as shit as that sounds.
  
  this is what i thought and did not use credit cards for years. i was only able to buy a car with a co-signer. since then, i pay for everything with credit and pay it off all the time to build a credit history. i will need another car at some point.
  
  It just seems silly to "force" people to use credit just for that. Out here credit cards are only used for international payments, if even that. I mean I don't have a credit card and probably never will.
  
  if you never take loans or use credit cards, your score won't be very good. you have to prove that you can take on debt and repay it, not just that you can be responsible with your money (by, for example, never taking debt).
  
  That sounds unfathomably stupid.
  Yuh we need you to take these small credit loans constantly, to build your way up to bigger loans. Having to take small loans all the time is actually a sign of a healthy financial situation lmaoo
  I mean if I'd have to choose between giving money to someone who's never before had to take a loan vs someone who lives from credit to credit, I'd choose the first guy any day.
  
  i mean, yeah. i agree. but those are rules of the game for plebs in the US. (i'm sure things are different for the super-rich.) you wanna rent an apartment or buy a new car? you have to show good credit or have someone with good credit co-sign any agreement/loan. you might do it on your own if you can show enough income (for rent) or can purchase a car outright (pay the total amount).
  you can do these things with bad credit, but you will pay a higher interest rate or settle for something sketchy.
  i can't speak to house-buying (looooool, add me to the list of americans in this thread who will never own a house), but i'm pretty sure it's the same.
  
  It's not really stupid from their perspective. It's about risk analysis. Unknown is riskier than someone who has been proven to pay off their debts.
  
  You have to take loans and make financially risky maneuvers to prove you can pay back the bank (which incidentally is covered by FDIC, unlike the average person).

333 comments