Gaza13
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May 26, 2024, 03:45:45 PM |
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If you're going to do it until your retirement then yes it's a waste of your money and time, not to mention that the only person that will benefit in that set up is only the landlord. That's why it's okay to at least start renting a smaller house rather than an extravagant one because that way, you have a roof over your head but at the same time, you will also have the money to be able to save up for when you want to buy a house or finance a house through a housing loan.
It is true that having a house is a dream for everyone to have, but to achieve this goal it is not easy to achieve, we need extra sacrifice to get it. This depends on how each individual earns or earns money every month in their job, if workers with minimal salaries I think it is difficult for them to earn a house with their hard work from their salary. The renting solution is the best for them rather than buying a house. The bank will not allow someone to take out a loan to buy a house that does not meet the standard criteria that have been implemented by the bank's rules.
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0t3p0t
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May 26, 2024, 05:49:47 PM |
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House is liability and we all know that fact and lucky for me I had an inheritance which is a residential and agricultural land here in the province which I can convert into a profitable commercial or bed space for rent just like in Airbnb but the thing is I had to find a capital first as that was a problem for me. Houses for rent in the city varies in prices depending on the floor area and strategic location. Here in my place I think with more or less $50 you can rent a livable apartment but yeah province rates really is different from city.
But to be honest I still have an unfinished house that was built some years ago and it's still in a skeletal structure as I ran out of funds though it already has beams but without roof.
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slapper
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May 26, 2024, 06:35:28 PM |
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There are some disadvantages to renting, besides to its many advantages.If everyone has enough money, they will definitely decide to buy a property. Because having your own home allows you to feel safe, comfortable, and secure without having to worry about paying every month.When you buy a house, you will pay it once, but when you rent, you'll pay every month. Even if renting a place appears to be less expensive, there is no guarantee that the rent will remain constant over the years. When you rent, the largest issue you may encounter is that the landlord will set the regulations because it is his property, not yours. While renting you help someone to pay off loan and getting nothing for yourself. However, this is my perspective, and for whatever reason, I believe that owning a home is the best option for the future, especially if you have already started a family.
Yeah, having your own home makes it easy to maintain security and watch over your properties. it also saves you cost cumulatively. If you calculate how much we pay for rent in a year and for 10 years such money can be used to buy a good apartment but the question is would the cost of buying a new apartment now and 10 years be the same? The answer is no, of course, the cost of getting an apartment a decade from now would be greater than what it costs today and I am saying, the best option now is to venture into a business that can give you money to buy an apartment and as well sustain us. This means renting an apartment should be what we should focus on so that we can accumulate enough investment and savings to grow financially. I agree that "rent is dead money" to some extent. But renting isn't merely a waste of money. Freedom, guy. It's being able to move when opportunity knocks to pursue a job or life change without a mortgage. That's not always possible for homeowners. Starting a business? Man, that's ballsy. It's risky but might pay off big. Would you bet everything on it? Because if it fails, you could lose more. What about alternative investment options? Diversify, friend. No one basket should hold all your eggs You can do both, though. Fearing rising rents is reasonable, so why not lock in today's low mortgage rates with a fixed-rate loan? Your property may appreciate as you beat inflation. A house with possibilities. With a large emergency fund and liquid assets, you're on offense. Imagine that your home is your castle or fortress. You need knights, archers, and siege weapons to win the game. Your emergency fund and liquids. They provide adaptability, maneuverability, and opportunity seizing
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Juse14
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Duelbits
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May 27, 2024, 12:32:57 AM |
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For me personally, renting or renting a house is a waste. Especially if we rent a house for a long period of time, this is clearly a waste, because no matter how long you rent the house, the house still belongs to someone else, not you. And for me a house is a dead item that cannot be used to make money, except for renting a shophouse. because by renting a shophouse, apart from being used as a place to live, the place can also be used to open a business or sell, so that later it will generate profits and you will no longer be confused about the rental costs you have to pay. but if you don't have a passion for the business world, and are more focused on the world of work. I suggest that instead of renting a house, it is better for you to take out a mortgage. The human population is increasing day by day, while the land area is decreasing. And this can allow the rental price to increase every year. which of course can increase your expenses or burden. But when you take out a mortgage, regardless of how long the installments are, in the end the house and building will still be yours. And the installments paid each month will also be relatively the same in each month until the installments are paid off.
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philipma1957
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May 27, 2024, 12:53:36 AM |
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For me personally, renting or renting a house is a waste. Especially if we rent a house for a long period of time, this is clearly a waste, because no matter how long you rent the house, the house still belongs to someone else, not you. And for me a house is a dead item that cannot be used to make money, except for renting a shophouse. because by renting a shophouse, apart from being used as a place to live, the place can also be used to open a business or sell, so that later it will generate profits and you will no longer be confused about the rental costs you have to pay. but if you don't have a passion for the business world, and are more focused on the world of work. I suggest that instead of renting a house, it is better for you to take out a mortgage. The human population is increasing day by day, while the land area is decreasing. And this can allow the rental price to increase every year. which of course can increase your expenses or burden. But when you take out a mortgage, regardless of how long the installments are, in the end the house and building will still be yours. And the installments paid each month will also be relatively the same in each month until the installments are paid off.
well you would be right if not for property taxes. you can have them raised so much that they are worse than rent.
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btc78
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May 27, 2024, 05:11:51 AM |
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House is liability and we all know that fact and lucky for me I had an inheritance which is a residential and agricultural land here in the province which I can convert into a profitable commercial or bed space for rent just like in Airbnb but the thing is I had to find a capital first as that was a problem for me. Houses for rent in the city varies in prices depending on the floor area and strategic location. Here in my place I think with more or less $50 you can rent a livable apartment but yeah province rates really is different from city.
I don’t think that it’s a liability. Just because you have run out if funds to continue making your properties into a profitable properties doesn’t mean it’s a liability. It’s not gonna cause you if you just sell it. That way you can even earn some and do whatever you want with the money you just earned.
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Ludmilla_rose1995
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May 27, 2024, 07:54:46 AM |
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House is liability and we all know that fact and lucky for me I had an inheritance which is a residential and agricultural land here in the province which I can convert into a profitable commercial or bed space for rent just like in Airbnb but the thing is I had to find a capital first as that was a problem for me. Houses for rent in the city varies in prices depending on the floor area and strategic location. Here in my place I think with more or less $50 you can rent a livable apartment but yeah province rates really is different from city.
I don’t think that it’s a liability. Just because you have run out if funds to continue making your properties into a profitable properties doesn’t mean it’s a liability. It’s not gonna cause you if you just sell it. That way you can even earn some and do whatever you want with the money you just earned. Until now, my family still has a house that hasn't been sold, this proves that selling a house is actually not an easy matter, especially now that many people are really holding back their money because of the current economic uncertainty A house is indeed a basic need, but to invest in property, I think it's not profitable now, it's still better to invest in gold or cryptocurrency
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bakasabo
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May 27, 2024, 08:16:24 AM |
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For me personally, renting or renting a house is a waste. Especially if we rent a house for a long period of time, this is clearly a waste, because no matter how long you rent the house, the house still belongs to someone else, not you. And for me a house is a dead item that cannot be used to make money, except for renting a shophouse. because by renting a shophouse, apart from being used as a place to live, the place can also be used to open a business or sell, so that later it will generate profits and you will no longer be confused about the rental costs you have to pay. but if you don't have a passion for the business world, and are more focused on the world of work. I suggest that instead of renting a house, it is better for you to take out a mortgage. The human population is increasing day by day, while the land area is decreasing. And this can allow the rental price to increase every year. which of course can increase your expenses or burden. But when you take out a mortgage, regardless of how long the installments are, in the end the house and building will still be yours. And the installments paid each month will also be relatively the same in each month until the installments are paid off.
Sounds easy, but or how a person could get money for first payment? Honestly, I have never seen a person living in one place for than 25-30 years (except he will be granted house of flap from his parents). By the time you pay-off your mortgage, you would want to move to other house. I have such feeling, because people want more, new or bigger all the time. Dont forget, that people usually renovate their house every 10-15 years. Add this to expenses. While when you rent, you can simply move to other place. Of course it is better to live in own house. But to first payment, you must add renovation expenses, because new house comes with gray finish usually, plus all what you are going to spend on furniture, electronics and plumbing. Some calculation. 2 bedroom flat in newly built house cost +200k EUR. That is around 70m2. I will have to spend as minimum 10k for renovation, and 15k for furniture and stuff. Or I can rent same thing for 700EUR/month + 200EUR utility.
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poodle63
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May 27, 2024, 08:36:36 AM |
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House is liability and we all know that fact and lucky for me I had an inheritance which is a residential and agricultural land here in the province which I can convert into a profitable commercial or bed space for rent just like in Airbnb but the thing is I had to find a capital first as that was a problem for me. Houses for rent in the city varies in prices depending on the floor area and strategic location. Here in my place I think with more or less $50 you can rent a livable apartment but yeah province rates really is different from city.
But to be honest I still have an unfinished house that was built some years ago and it's still in a skeletal structure as I ran out of funds though it already has beams but without roof.
its liability when we have lying around and not using it for productive purpose though, but if the price went up, i'd call it an investment, after all it increases in term of value regardless of maintenance fee and so on. but to be fair, having a farmable land is far advantageous if we are talking about country side, i always have that mind to buy a land somewhere in the countryside for agricultural purpose, with the helps of current technology the yield would multiply, with being landlord the rent price can be increased but occasionally not too frequently. but when we are talking about yield, it can be multipled depends on our utilization. but its undeniable that being a landlord in a city, is definitely a good business, otherwise the city won't get populated so much with places for rent.
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shield132
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May 27, 2024, 08:54:13 AM |
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If you're young and haven't inherited a property from your ancestors, chances are that you're forced to rent. Personally, I've been renting for over 6 years and have been living with my girlfriend for the last 4, sharing rent and utilities. Overall, we've both spent over €25,000 together, and after spending all this money, you're practically left with nothing and may be subject to looking for a new house at any moment.
Just imagine you two have been buying 300€ worth of Bitcoins every month for 6 years, imagine where you two financially would be today. The average rent for a one-bedroom apartment is between €300 and €400 at best; thus, I was thinking that taking a loan is as costly as paying rent per month, but after 15-20 years, you end up with a house. My main concerns are the following: First, if you're in a long-term relationship like myself, you can never be 100% sure that you'll be with that person in 20 or 30 years from now, which might prevent you from opting for a loan. Secondly, you need to be certain that the location or city of the property to be bought is convenient for future job offers and so on. Thirdly, because a loan is a many-year commitment, there's no guarantee that you'll be able to afford the monthly payment 15 years from now.
It's a very difficult decision. I personally prefer renting because renting gives me flexibility, I can easily move from district to district, from city to city, from country to country. This gives me the possibility to easily change my job for better terms and pay rates. When you own the house, you don't have that luxury. It's terrible when you wake up every day with the fear that you have to pay the rent/loan or you'll be left in the street. On top of that, finding the ideal house as a renter is almost impossible; there's a lack of housing, and rents are extremely expensive and unreasonable at the same time. We had a difficult time finding a house recently, and it's far from ideal. There is now a new government-funded loan program that is about to start, funding up to 75% of the loan interest-free while the rest is funded by private banks and is subject to a relatively low interest rate. This led me to think about taking a loan and purchasing an average two-bedroom apartment, but I have the concerns that I voiced earlier.
It's not really hard to find an ideal house with a good price and I tell you that from my experience. All you need is to find the best moment, when houses around you are hard to rent and then you have to negotiate with the landlord. For example, I know that in summer, rent prices in my country are very low because students leave the city and landlords are left with an empty house, that was the moment when I rented an amazing apartment with a very low rent price. If I tried to rent in autumn, I would have to pay double of what I pay right now.
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MissNonFall9
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★Bitvest.io★ Play Plinko or Invest!
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June 02, 2024, 09:19:22 AM |
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House is liability and we all know that fact and lucky for me I had an inheritance which is a residential and agricultural land here in the province which I can convert into a profitable commercial or bed space for rent just like in Airbnb but the thing is I had to find a capital first as that was a problem for me. Houses for rent in the city varies in prices depending on the floor area and strategic location. Here in my place I think with more or less $50 you can rent a livable apartment but yeah province rates really is different from city.
I don’t think that it’s a liability. Just because you have run out if funds to continue making your properties into a profitable properties doesn’t mean it’s a liability. It’s not gonna cause you if you just sell it. That way you can even earn some and do whatever you want with the money you just earned. Until now, my family still has a house that hasn't been sold, this proves that selling a house is actually not an easy matter, especially now that many people are really holding back their money because of the current economic uncertainty A house is indeed a basic need, but to invest in property, I think it's not profitable now, it's still better to invest in gold or cryptocurrency When there is economic instability in any country, buying and selling really big assets is a dilemma. At present it is a fact that big decisions like buying and selling of houses can be very profitable if they can be replaced by Cryptocurrency or Bitcoin, which will lead to a better home-buying situation later on. Although buying and selling land or house assets is very profitable in populous countries, it cannot replace Bitcoin.
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Churchillvv
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June 02, 2024, 09:33:53 AM |
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>edited<
well you would be right if not for property taxes. you can have them raised so much that they are worse than rent. Yeah, absolutely a lot of people do not put that into consideration before buying a house. as long as you know the house is going to be a liability (apart from living in it) I would rather someone rent a house than buy it because you pay for taxes for as long as you own it. Renting at some point is essential if only it's a temporary environment but if you intend making it a permanent base in your life then if you have the capacity to purchase the house to yourself then it's wise if not I prefer renting.
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m2017
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keep walking, Johnnie
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June 02, 2024, 09:55:24 AM |
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For me personally, renting or renting a house is a waste.
There is no universal solution that benefits everyone at once. Especially if we rent a house for a long period of time, this is clearly a waste, because no matter how long you rent the house, the house still belongs to someone else, not you.
In this regard, a home loan wins, because you still pay for rent and mortgage, but in the second case, you become the owner of the house and this can be considered, in a sense, an investment (if real estate goes up in price and does not depreciate, as in Detroit ). I suggest that instead of renting a house, it is better for you to take out a mortgage.
But this “works” only if you have a stable income (but even qualified specialists sometimes end up fired) and are ready for “mortgage slavery” (the inability to change jobs and place of residence) for the entire period until the loan is fully repaid. The human population is increasing day by day, while the land area is decreasing.
You have "dug up" the investor's gold mine - land, that's what is most valuable. The land area is decreasing, those wanting a piece of land are increasing, that is, it is a limited resource. Whereas housing is a practically unlimited resource (housing can always be built). But when you take out a mortgage, regardless of how long the installments are, in the end the house and building will still be yours.
Only if you pay monthly installments on time and manage to pay off all debt obligations to the bank after 10-20-30 years of the mortgage. Please note that during the period of encumbrance with a mortgage, anything can happen that can deprive you of your solvency, which means losing this property and monthly payments.
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CageMabok
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June 02, 2024, 10:02:01 AM |
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When there is economic instability in any country, buying and selling really big assets is a dilemma. At present it is a fact that big decisions like buying and selling of houses can be very profitable if they can be replaced by Cryptocurrency or Bitcoin, which will lead to a better home-buying situation later on. Although buying and selling land or house assets is very profitable in populous countries, it cannot replace Bitcoin.
The thing that everyone should know at this time and that also includes yourself is that Bitcoin cannot be compared with any physical asset, including land, houses and other property assets at any time. Because between Bitcoin, land and houses are very different assets so the comparison will not be quite appropriate and will not even be quite balanced even though land and house owners can also get quite a profit after investing in land or houses for a long time at this time. However, all of this is also not enough to beat Bitcoin, which can also provide much greater profits in each cycle in the market, making Bitcoin still considered better than land and houses in any economic condition.
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Gaza13
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June 02, 2024, 02:50:56 PM |
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Renting is really wasting money if you only rent then nothing is left on you at the end, in my country there are houses or company that has a rent to own program you will rent thier house for a couple of years and after that you will own that houses which is very good deal but expect that the price is more expensive than a normal house price, because that was also thier business they need to have a profit on it but it helps a lot specially to those who cant afford to build or buy in cash basis.
This depends on how much income you earn per month from work? What if someone whose income does not meet the standards in their country, what is your solution? Does this include wasting time in renting a place to live? It's not just your country that provides all this, every country everywhere certainly has this program for its people if the people can afford to pay it in installments. It is true that many people seem interested in the prospect of paying it in installments, but there are many pitfalls in paying dues every month. Have you ever calculated whether to buy or pay in installments beforehand? The trap is in floating flowers, many people don't know about this.
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Fortify
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June 02, 2024, 03:08:46 PM |
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If you're young and haven't inherited a property from your ancestors, chances are that you're forced to rent. Personally, I've been renting for over 6 years and have been living with my girlfriend for the last 4, sharing rent and utilities. Overall, we've both spent over €25,000 together, and after spending all this money, you're practically left with nothing and may be subject to looking for a new house at any moment.
The average rent for a one-bedroom apartment is between €300 and €400 at best; thus, I was thinking that taking a loan is as costly as paying rent per month, but after 15-20 years, you end up with a house. My main concerns are the following: First, if you're in a long-term relationship like myself, you can never be 100% sure that you'll be with that person in 20 or 30 years from now, which might prevent you from opting for a loan. Secondly, you need to be certain that the location or city of the property to be bought is convenient for future job offers and so on. Thirdly, because a loan is a many-year commitment, there's no guarantee that you'll be able to afford the monthly payment 15 years from now.
On top of that, finding the ideal house as a renter is almost impossible; there's a lack of housing, and rents are extremely expensive and unreasonable at the same time. We had a difficult time finding a house recently, and it's far from ideal. There is now a new government-funded loan program that is about to start, funding up to 75% of the loan interest-free while the rest is funded by private banks and is subject to a relatively low interest rate. This led me to think about taking a loan and purchasing an average two-bedroom apartment, but I have the concerns that I voiced earlier.
Renting can actually be a useful part of society and I've nothing against people who own 2-3 homes, while renting one or two out. The problem is when companies try to make huge profits from this because they are basically acting as feudal lords. There is (at least) one UK footballer who has purchased hundreds of homes for this purpose, but the tenants after often neglected while paying sky high rents. Rents that are somewhat comparable to actually taking out a mortgage on those very properties. It interferes with the property market and should be treated very punitively with each property you buy. Home ownership should be achievable, but these sort of mass buyers make it much harder.
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shinratensei_
Legendary
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June 03, 2024, 05:09:18 AM |
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House is liability and we all know that fact and lucky for me I had an inheritance which is a residential and agricultural land here in the province which I can convert into a profitable commercial or bed space for rent just like in Airbnb but the thing is I had to find a capital first as that was a problem for me. Houses for rent in the city varies in prices depending on the floor area and strategic location. Here in my place I think with more or less $50 you can rent a livable apartment but yeah province rates really is different from city.
I don’t think that it’s a liability. Just because you have run out if funds to continue making your properties into a profitable properties doesn’t mean it’s a liability. It’s not gonna cause you if you just sell it. That way you can even earn some and do whatever you want with the money you just earned. if the property resides in strategic land, it got capital gain over the course of years, land doesn't multiply itself I think so too that calling a piece of property liability isn't really true unless the capital gain didn't surpass the tax they pay every year. there are many ways to take advantage of the property and using it for productive purpose I think is easy its just matter of how we utilize the property itself added with the capital gain its among the best stable investment not so much yield generated but good enough just to secure our finance to not make our money get devoured by the inflation. Renting is really wasting money if you only rent then nothing is left on you at the end, in my country there are houses or company that has a rent to own program you will rent thier house for a couple of years and after that you will own that houses which is very good deal but expect that the price is more expensive than a normal house price, because that was also thier business they need to have a profit on it but it helps a lot specially to those who cant afford to build or buy in cash basis.
This depends on how much income you earn per month from work? What if someone whose income does not meet the standards in their country, what is your solution? Does this include wasting time in renting a place to live? It's not just your country that provides all this, every country everywhere certainly has this program for its people if the people can afford to pay it in installments. It is true that many people seem interested in the prospect of paying it in installments, but there are many pitfalls in paying dues every month. Have you ever calculated whether to buy or pay in installments beforehand? The trap is in floating flowers, many people don't know about this. thats why its essential to secure your finance first before getting a mortgage. its all about financial management you know if your morgage only eats up 20% or lower of your salary you most likely will be fine the interest won't do so much to affect your capability to pay the mortgage. it only becomes problematic if you have too much bills you need to pay including monthly credit cards bills it eats up your entire salary and you still force yourself to take a home mortgage.
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Yaqs15
Jr. Member
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June 03, 2024, 01:52:26 PM |
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Renting a house on average has been experienced by every human being who has a mediocre economic income, but that doesn't mean that every money we spend every month/year is an act of waste, many people who rent a place to live are forward-thinking for their future. By renting a house someone can think of working hard to earn their economy, they think it is impossible forever we live in a state of living in a rented place, a lot can be done for €25,000. Example: If you spend €25,000 in 6 years, that means you spend €347/month in 72 months=6 years. If, you are thinking of looking for a credit house with installments of €347/month in 6 years, maybe you should do it, in my opinion, a simple type of house can already be with installments of that size, automatically within 6 years you already have your own home, if you think rent is wasteful. Renting sometimes is not a waste of money because it helps. For example, when someone have an appointment in a place that's not his or her home land, maybe he's just there for some time like six months or for just a year and this person doesn't know anyone there, what do you think would happen? this person would have no other options than to rent an apartment. But the major thing there is, it should not be done in an extravagant way. One should just go for the one that is affordable.
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angrybirdy
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June 04, 2024, 02:16:25 AM |
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Renting a house on average has been experienced by every human being who has a mediocre economic income, but that doesn't mean that every money we spend every month/year is an act of waste, many people who rent a place to live are forward-thinking for their future. By renting a house someone can think of working hard to earn their economy, they think it is impossible forever we live in a state of living in a rented place, a lot can be done for €25,000. Example: If you spend €25,000 in 6 years, that means you spend €347/month in 72 months=6 years. If, you are thinking of looking for a credit house with installments of €347/month in 6 years, maybe you should do it, in my opinion, a simple type of house can already be with installments of that size, automatically within 6 years you already have your own home, if you think rent is wasteful. Renting sometimes is not a waste of money because it helps. For example, when someone have an appointment in a place that's not his or her home land, maybe he's just there for some time like six months or for just a year and this person doesn't know anyone there, what do you think would happen? this person would have no other options than to rent an apartment. But the major thing there is, it should not be done in an extravagant way. One should just go for the one that is affordable. Agree, not everyone has a capable to buy their own land or houses and the easiest way to have a comfortable and not that heavy to their pockets is to rent a unit or house, unless they have an expected house or place to live from their parents, but if not? no choice but to rent first and at the same time save up a down payment to buy a house, because it is better to get your own land while it is still early because the value of the land increases every year.
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Lantind
Sr. Member
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June 04, 2024, 02:30:00 AM |
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Renting sometimes is not a waste of money because it helps. For example, when someone have an appointment in a place that's not his or her home land, maybe he's just there for some time like six months or for just a year and this person doesn't know anyone there, what do you think would happen? this person would have no other options than to rent an apartment. But the major thing there is, it should not be done in an extravagant way. One should just go for the one that is affordable.
Agree, not everyone has a capable to buy their own land or houses and the easiest way to have a comfortable and not that heavy to their pockets is to rent a unit or house, unless they have an expected house or place to live from their parents, but if not? no choice but to rent first and at the same time save up a down payment to buy a house, because it is better to get your own land while it is still early because the value of the land increases every year. It's true that not everyone has the ability to buy a house, especially if they don't have a job that earns enough income for them to save and buy a house and there's no harm in renting first and preparing savings to be able to buy a house where they can live, for some people who already have an inheritance Their parents' house certainly won't be busy for them to think about where to live and if they don't want to live in the house their parents gave them then they can rent it to someone else or sell it to buy a house that suits their wishes.
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