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Kubang
Pilla Bewarse
Username: Kubang
Post Number: 533
Registered: 09-2011
Posted From: 207.34.126.10
Rating: 
Votes: 1 (Vote!) | | Posted on Thursday, November 03, 2011 - 9:46 am: |
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Asalu initiator Q ki answer:
Most of the people house konedi longterm view tho, not to speculate. Timing correct ga cheyyatam evadi valla kaadu, very rare. Ika mortgage enduku quick ga pay cheyyaru ante 1)saripada money lekapodam 2)if the interest rate on mortgage is less than your assumed return on some other investment, people tend to put money in that alternative.
In my view, it is better to payoff quickly in low interest environment, as the total amount from your pocket going out will be less. If you have an alternative that Guarantees higher interest than your mortgage interest then obviously you don't want to pay off mortgage quicker than required
Devuda, be ready
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Xxx
Kurra Bewarse
Username: Xxx
Post Number: 1257
Registered: 03-2004
Posted From: 166.82.172.153
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, November 03, 2011 - 9:43 am: |
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the intrest rate you are paying is ~4 % ; and in the long run the value of money is going to depriciate ,, that is one dollor today may be equivilent to 80 cents after 10 years,
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So if you can earn more than 4% returns on your money then you don't need to think about paying off |
Suyodhana
Kurra Bewarse
Username: Suyodhana
Post Number: 2820
Registered: 06-2007
Posted From: 14.140.149.65
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, November 03, 2011 - 7:40 am: |
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food fetish aa?
Dedicated to Esperanza
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Codes
Bewarse Legend
Username: Codes
Post Number: 63428
Registered: 05-2006
Posted From: 212.60.115.186
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, November 03, 2011 - 7:31 am: |
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Suyodhana:shahghouse
shaghouse ani chadiva.. 
I have no budget for other people's faith in humanity.
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Suyodhana
Kurra Bewarse
Username: Suyodhana
Post Number: 2818
Registered: 06-2007
Posted From: 14.140.149.65
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, November 03, 2011 - 7:16 am: |
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Codes:
ratri shahghouse biryani teda chesindannai
Dedicated to Esperanza
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Tingari_xx
Celebrity Bewarse
Username: Tingari_xx
Post Number: 42624
Registered: 08-2006
Posted From: 76.109.134.182
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, November 03, 2011 - 7:11 am: |
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naaku telisina okaru illu konnaru from bank...bofa daridrulu asked for more downpayment after noticing that he had lot of money in his bofa acct...bank daggara konte till last min no guarantee of the promised rates. |
Codes
Bewarse Legend
Username: Codes
Post Number: 63427
Registered: 05-2006
Posted From: 212.60.115.186
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, November 03, 2011 - 7:00 am: |
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Suyodhana:based on western propaganda that things bring happiness
I have no budget for other people's faith in humanity.
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Suyodhana
Kurra Bewarse
Username: Suyodhana
Post Number: 2814
Registered: 06-2007
Posted From: 14.140.149.65
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, November 03, 2011 - 6:27 am: |
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pay off the loan as early as possible
purvam 50% equity lenide house kone varu kadu. but in the last decade, in india, based on western propaganda that things bring happiness, greedy banks have started enslaving us for 20years of most active part of our life. They do this by asking only 5-10% margin money on any purchase.
hammayyyaa
Dedicated to Esperanza
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Gochi
Bewarse Legend
Username: Gochi
Post Number: 75491
Registered: 07-2004
Posted From: 70.44.12.183
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, November 03, 2011 - 5:34 am: |
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Ravanabrahma:car interest ki house interest ki theda ledu...car loan interest podhi ani kattesav
0% APR  |
Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 721
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:53 pm: |
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Andhramass:I haven't seen those guys, who brought houses in Australia.
first house konna vadini evadinaina adugu cheptadu.
Andhramass:US lo atla avvaledhu enti marrii, why people left their houses with out informing authorities?
evadiki telusu akkada circumstances ento? evadikanna job poyi hope lekapothe US ayna okate, india ayna okate. matladedi normal circumstances gurinchi. nee la alochinche vadiki indake oka post esa choodu.
Panjaa:antha bhayapadutu konatam enduku annai? if u dont feel hopeful or comfortable in buying a house, u probably shouldnt.
rakkutaa.........It's official!
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Nbkfan123
Pilla Bewarse
Username: Nbkfan123
Post Number: 43
Registered: 11-2010
Posted From: 71.235.141.13
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:51 pm: |
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yaa basically slide avuthundi aney anukontunna, world economic situation kooda daridram ga undi,
QE1/QE2/QE3 are short term pain relievers.dont know how long US will issue these packages moment they stop US will go
in hartford,ct due to recent snow storm on saturdary,chala places lo current restore avvaledu enka common life is blocked, same alanti situations face chestam world economy crash aeithey..scary |
Ravanabrahma
Mudiripoyina Bewarse
Username: Ravanabrahma
Post Number: 17534
Registered: 06-2004
Posted From: 98.151.191.253
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:51 pm: |
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Gochi:naaku loan unte sarigga nidra kooda pattadhu...Car ki 4yrs loan theesukuni 1yr lo kattesaaa...ee type mentality aithe enni ROI lekkalesinaa upayogam ledhi....
car interest ki house interest ki theda ledu...car loan interest podhi ani kattesav |
Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 720
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:51 pm: |
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inko big advantage for Australian mortgages in banks, offset account ani okati untundi. dantlo unna savings ni loan amount lonchi deduct chesi only remaining part ki interest kadataru. so it serves the same purpose as clearing a loan, but only u have the advantage of withdrawing the funds whenever u want or use it for any other purpose.
rakkutaa.........It's official!
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Andhramass
Celebrity Bewarse
Username: Andhramass
Post Number: 49611
Registered: 07-2006
Posted From: 203.26.122.12
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:50 pm: |
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Panjaa:silly comparison. business is a risk. if u lose, u might lose everything. illu anedi fixed asset. though u might not make money by selling it, u still have a place to live and it will be there forever.
US lo atla avvaledhu enti marrii, why people left their houses with out informing authorities?
anni dananallo Annadanam Minna lal salam
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Andhramass
Celebrity Bewarse
Username: Andhramass
Post Number: 49610
Registered: 07-2006
Posted From: 203.26.122.12
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:49 pm: |
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Panjaa: padipotadi ani konadu. padipoyina parledu anukuni kontadu.
I haven't seen those guys, who brought houses in Australia.
anni dananallo Annadanam Minna lal salam
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Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 719
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:48 pm: |
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Andhramass:allanti appudu yevvaduuu nasthapothunna anni business start cheyyadhuu, every one thinks they are going to make profit.
silly comparison. business is a risk. if u lose, u might lose everything. illu anedi fixed asset. though u might not make money by selling it, u still have a place to live and it will be there forever.
rakkutaa.........It's official!
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Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 718
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:46 pm: |
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Andhramass:but reality kuda discuss chesukovali kadha
matladithe ardham undali. nenu cheppindi konalanukune vaadi gurinchi. market ni analayse cheddam anukune vadi gurinchi kaadu. if u have money and if u have decided to buy house, u will only hope that the value will increase or it will stay the same. padipotadi ani konadu. padipoyina parledu anukuni kontadu.
rakkutaa.........It's official!
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Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 717
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:44 pm: |
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Andhramass:latest Aus, china lo emmi avuthundii?
aus lo other than high end markets, ekkada paddayo nakaithe telidu. peragatledu inthaka mundu laga. melbourne lo common man kona tagga houses unna ye area lo kooda market price padaledu.
rakkutaa.........It's official!
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Andhramass
Celebrity Bewarse
Username: Andhramass
Post Number: 49609
Registered: 07-2006
Posted From: 203.26.122.12
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:43 pm: |
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Panjaa:nenu cheppindi fact about ppl buying a house. evadanna illu enduku kontadu, kone mundu emi alochistadu anedi. not about market position.
allanti appudu yevvaduuu nasthapothunna anni business start cheyyadhuu, every one thinks they are going to make profit.
but reality kuda discuss chesukovali kadha
anni dananallo Annadanam Minna lal salam
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Nbkfan123
Pilla Bewarse
Username: Nbkfan123
Post Number: 42
Registered: 11-2010
Posted From: 71.235.141.13
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:43 pm: |
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so 25 yrs/30 yrs mortgage is always better than 5/1 arm or 15 yrs mortgage. |
Gochi
Bewarse Legend
Username: Gochi
Post Number: 75490
Registered: 07-2004
Posted From: 70.44.12.183
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:43 pm: |
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Nbkfan123:why do people dont pay off thier mortgage aggressively those who can pay, n pay interests 100k-150k for the house.
ROI lekkalesthaaremo...ante if I take a loan,I just pay 3% APR...but if i invest this money else where I get a 5% rate of return,so 2% frofit...plus Tax savings kooda indulo add seseskovaali..
naaku loan unte sarigga nidra kooda pattadhu...Car ki 4yrs loan theesukuni 1yr lo kattesaaa...ee type mentality aithe enni ROI lekkalesinaa upayogam ledhi....
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Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 716
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:43 pm: |
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Nbkfan123:its a gamble house value baga padithey bokkey.i will break even if rents i will be saving is some where near to price slide in future.
antha bhayapadutu konatam enduku annai? if u dont feel hopeful or comfortable in buying a house, u probably shouldnt.
rakkutaa.........It's official!
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Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 715
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:41 pm: |
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Andhramass:last few years US, europe lo emmayindii?
latest Aus, china lo emmi avuthundii?
matter ardham kakapothe ardham kaledu ani cheppu. nenu cheppindi fact about ppl buying a house. evadanna illu enduku kontadu, kone mundu emi alochistadu anedi. not about market position.
rakkutaa.........It's official!
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Nbkfan123
Pilla Bewarse
Username: Nbkfan123
Post Number: 41
Registered: 11-2010
Posted From: 71.235.141.13
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:40 pm: |
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there is lots of inventory and interest rates are at record lows right time to buy a house.
its a gamble house value baga padithey bokkey.i will break even if rents i will be saving is some where near to price slide in future. |
Andhramass
Celebrity Bewarse
Username: Andhramass
Post Number: 49608
Registered: 07-2006
Posted From: 203.26.122.12
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:38 pm: |
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Panjaa:most important fact. value padipotadani evadu illu konadu. perugutadane kontadu or worst case it will stay the same ane kontadu.
last few years US, europe lo emmayindii?
latest Aus, china lo emmi avuthundii?
anni dananallo Annadanam Minna lal salam
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Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 714
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:36 pm: |
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Andhramass:danni value padipothey?
most important fact. value padipotadani evadu illu konadu. perugutadane kontadu or worst case it will stay the same ane kontadu.
rakkutaa.........It's official!
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Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 713
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:35 pm: |
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Andhramass:danni value padipothey?
padipotey kooda ok kada. u havent used up ur money in paying huge amounts. nuvvu mundu illu konukunnappudu 25 years ki teesukuntav in general mortgage. so u have peace for that many years irrespective of the market value.
rakkutaa.........It's official!
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Andhramass
Celebrity Bewarse
Username: Andhramass
Post Number: 49607
Registered: 07-2006
Posted From: 203.26.122.12
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:29 pm: |
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Panjaa:dani value perigithe madhyalone ammukunte inka ekkuva profit vastundi kada?
danni value padipothey?
anni dananallo Annadanam Minna lal salam
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Panjaa
Pilla Bewarse
Username: Panjaa
Post Number: 712
Registered: 10-2011
Posted From: 164.53.222.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:28 pm: |
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Nbkfan123:why do people dont pay off thier mortgage aggressively those who can pay, n pay interests 100k-150k for the house.
depends on individuals. u dont have to pay off a house early. dani value perigithe madhyalone ammukunte inka ekkuva profit vastundi kada? also andariki vacche incomelo majority intiki katteyyalani undadu. ppl like to enjoy everything else too.
rakkutaa.........It's official!
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Businessman
Pilla Bewarse
Username: Businessman
Post Number: 5
Registered: 08-2008
Posted From: 98.206.238.225
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:26 pm: |
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basic ga one is tax benefits..
the interest you pay is tax deductible..
secondly anta amount pay off chesebadulu.. you can invest in something else.. |
Nbkfan123
Pilla Bewarse
Username: Nbkfan123
Post Number: 40
Registered: 11-2010
Posted From: 71.235.141.13
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, November 02, 2011 - 10:24 pm: |
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i am planning to buy condo down pay 20% of house price what r pro's/cons of paying rest of loan quickly and paying it off in 10 yrs time.
why do people dont pay off thier mortgage aggressively those who can pay, n pay interests 100k-150k for the house.
Thanks |
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