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Message |
    
Andhrajamesbond
Kurra Bewarse
Username: Andhrajamesbond
Post Number: 3082
Registered: 03-2004
Posted From: 171.161.160.10
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 17, 2018 - 9:00 am: |
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Idi 'never ending' discussion if you don't have accurate numbers with you. Keep your previous year tax return with you, plug in the numbers in an excel sheet and compare how much you save/loose by buying the home. Most of the cases lo Bokka(the hole..) guaranteed(assuming you are going for a big home) based on ROI.
Jagath sathyam..Brahma Midhya.
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Lolakulu
Pilla Bewarse
Username: Lolakulu
Post Number: 842
Registered: 05-2017
Posted From: 77.111.245.10
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 16, 2018 - 8:03 pm: |
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Saarang:
Nenu different ga cheppindhi...nee calculation gurinchi annai...you are not looking at two of the most important things...1) Monthly rent that you are not paying 2) Selling cost (which is around 10% of the home price).
Ferrari:If you sell the house for 500k you will be having a loss of $76k which is equal to renting an apartment for $1266 for 5 years.
Annais. my explanation is approximate actual value you will be at either loss/gain.
Rent (Say $1600) is offset by property tax (1.5% to 2.4%) + HOA Fees + small maintainance costs + electronics (fridge etc.) etc. so thats why i did't take rent in the approximation. |
Critic
Kurra Bewarse
Username: Critic
Post Number: 2334
Registered: 03-2004
Posted From: 75.6.213.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 16, 2018 - 6:43 pm: |
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Musicfan:
Good Deal. |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 65230
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 16, 2018 - 1:34 pm: |
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Critic:Refinance antunnav, Babai cashout kooda chesaava ?
no cash out,, first time to take out PMI, second time to reduce the interest..
Indian mortgage vallato 0 closing cost and some money back each time kabatti, it was easy to re-finance.
Agnyaathavaasi Audio Review
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Ferrari
Mudiripoyina Bewarse
Username: Ferrari
Post Number: 11970
Registered: 09-2010
Posted From: 198.177.6.251
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 16, 2018 - 1:29 pm: |
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nuvvu ippudu katte rent ki upto $200 more monthly payment undettu illu konukkovatam safe choice($300-$350k home)..if you stay in that house for 5 years you will be breakeven even if you sell the home at same price you bought...so in the points mentioned by Lolakulu
1. 500k house with 20% down payment means you will get 400k loan from bank. This 400k is morgages over 20 years let say. 2400$ monthly pmt is sum of interest + principal that sums around to $576000 (mostly interest in the begining of mortgage duration).
2. you paid pmts for 5 years. that means 2400*60 months = $144000. So you still have another 15 years of payments ($432000).
3. now you sold house after 5 years for 500k. so new buyer will pay 500k to escrow account (middle men) who will pay that $432k balance on your part to your lender and transfer remaining 68k to your account.
4. so you will receive only 68k in the sale of the house at this point of time. Actually you paid $144k to bank as payments. so you will be loosing 76k in this whole scenario of owning house for just 5 years.
If you sell the house for 500k you will be having a loss of $76k which is equal to renting an apartment for $1266 for 5 years.
Nandamuri Taraka Rama Rao - Sachin Ramesh Tendulkar
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Vjawarrior
Kurra Bewarse
Username: Vjawarrior
Post Number: 1086
Registered: 05-2017
Posted From: 192.251.84.7
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 16, 2018 - 11:12 am: |
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GG bedar....300k aa range lo vasthe and if its easily rentable...buy it...dont think too much.... |
Time_pass
Pilla Bewarse
Username: Time_pass
Post Number: 74
Registered: 05-2017
Posted From: 136.174.187.5
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 16, 2018 - 11:03 am: |
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Buy a House thinking it is a liability not a asset
5 years is a very short term, so I will not recommend
ala kaadu naaku oka Illu vundi ane manasulo vunte teesuko
if you are thinking profit loss basis do not buy |
Critic
Kurra Bewarse
Username: Critic
Post Number: 2328
Registered: 03-2004
Posted From: 75.6.213.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, January 13, 2018 - 7:18 pm: |
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Musicfan:appatlo edo alaa kalisi vachindi
Refinance antunnav, Babai cashout kooda chesaava ?
Entha perigindi equity !!
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 65223
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 7:09 pm: |
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Andhravodu:good for you vunkle
appatlo edo alaa kalisi vachindi
Agnyaathavaasi Audio Review
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Andhravodu
Pilla Bewarse
Username: Andhravodu
Post Number: 619
Registered: 04-2017
Posted From: 64.60.241.26
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 6:47 pm: |
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Musicfan:
good for you vunkle
Ntr_rocks:
endukule  |
Stewie
Kurra Bewarse
Username: Stewie
Post Number: 4276
Registered: 03-2011
Posted From: 67.173.16.235
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 6:40 pm: |
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Also mana Desis chala mandi House oka Asset Anukuntaru.. But it's a liability.. So don't go for echulu when you buying house.. Stick to what you need
Investment should not be made with heart it should be made with brain
A Famous Quote starts with a... and ends with this.
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Saarang
Pilla Bewarse
Username: Saarang
Post Number: 788
Registered: 04-2015
Posted From: 66.25.5.81
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 6:12 pm: |
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Ntr_rocks: Andhravodu:
5% down ki mortgage ekkada vastundi, FHA loan aite cover chesuddi, but you need to have GC
evar seppar neeku.
Konni lenders visa status chaala peekuntaru..it depends a lot on the lender |
Ntr_rocks
Kurra Bewarse
Username: Ntr_rocks
Post Number: 4148
Registered: 10-2007
Posted From: 45.43.104.179
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 5:34 pm: |
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Andhravodu:5% down ki mortgage ekkada vastundi, FHA loan aite cover chesuddi, but you need to have GC
evar seppar neeku..
Pettesaa
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 65222
Registered: 05-2004
Posted From: 166.137.12.51
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 5:17 pm: |
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Andhravodu:
2.875 15yrs loan.
Ippudu 2.625 after refinance
Agnyaathavaasi Audio Review
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Saarang
Pilla Bewarse
Username: Saarang
Post Number: 784
Registered: 04-2015
Posted From: 66.25.5.81
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 4:47 pm: |
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Lolakulu: Saarang:
Not the right way to look at it...compare two things
1) Rent vs non-Principal monthly expenses
2) You will have around 8-10% selling cost, will the appreciation offset it.
Beyond this, there will be life style advantages like more space, typically better looking, garage, backyard etc...how much are these worth is a personal decision.
Agree with you brother. it is entirely wrong perception when you know you have more space, comfort, luxury and peace of mind.
just answering bilak balesh original questions straight forward without any confusion.
Nenu different ga cheppindhi...nee calculation gurinchi annai...you are not looking at two of the most important things...1) Monthly rent that you are not paying 2) Selling cost (which is around 10% of the home price). |
Andhravodu
Pilla Bewarse
Username: Andhravodu
Post Number: 617
Registered: 04-2017
Posted From: 64.60.241.26
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 4:33 pm: |
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Musicfan:I hardly paid 3% down for my home loan
 Just for naaledge, interest rate enta padindi vunkle |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 65221
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 4:14 pm: |
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Andhravodu:5% down ki mortgage ekkada vastundi,
Desi gallu bochedu unnaru, I hardly paid 3% down for my home loan, and its not FHA..
Desi would give loan and sell it off to some banks..
Agnyaathavaasi Audio Review
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 65220
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 4:13 pm: |
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Critic:Ala ayithe life lo 50 percent mandi sontha illu konaleru kada Babai.
Single income konaddu ani nenu ekkada anna,,
read my statement again.. just for 5 years for a newly married and single income, space wont be that important..
Kids when they reach 3-4 years its from then one will needs space. Appatiki illu ammeyali anukonte, its not worth to invest now and loose lot of money as space is not worth to loose that amount of money..
Okka sari space kavali anukonta, money wont be that priority.. Hope I am clear..
Agnyaathavaasi Audio Review
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Andhravodu
Pilla Bewarse
Username: Andhravodu
Post Number: 616
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 3:45 pm: |
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5 years untaanu ante illu teesukovatam better. 8+ school rating unna chota house teeste, short term next 2 years no dhokaa. 10 years taravata you will be guaranteed ahead
( offer not valid for poor and middling school districts ) |
Andhravodu
Pilla Bewarse
Username: Andhravodu
Post Number: 615
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 3:42 pm: |
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Ntr_rocks:Dont pay 20% down payment if it is ur first house 5% is enough
5% down ki mortgage ekkada vastundi, FHA loan aite cover chesuddi, but you need to have GC |
Critic
Kurra Bewarse
Username: Critic
Post Number: 2327
Registered: 03-2004
Posted From: 75.6.213.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 3:18 pm: |
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Musicfan:5 years plan lo if single income, dont ever think of house, its not worth paying for space over money..
Ala ayithe life lo 50 percent mandi sontha illu konaleru kada Babai.
Single income tho happy ga illu konukkoni undocchu ane daaniki naku nene example. Kakapothe arbhataaniki pokunda calculated budget lo konukkovali.
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 65219
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 3:11 pm: |
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5 years plan lo if single income, dont ever think of house, its not worth paying for space over money..
Agnyaathavaasi Audio Review
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 65218
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 3:10 pm: |
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Nalla_baalu:Insurances maintenance ivi entha untai .... rentalinsurance 14$ kaduthunnam kada house ki entha untai .....
PMI will be different if you are not paying 20% down..
500K rental house ante almost 150$ home insurance untundi per month..
Kotta illu ante maintenance takkuva untundi, but if you are buying an old home, oka 5000-10000 per annum pakkanettu kovali, based on the house.
On top Rental house furniture ki, inta pedda home furniture ki teda untundi, you will need to spend a sizeable amount on that..
Agnyaathavaasi Audio Review
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Lolakulu
Pilla Bewarse
Username: Lolakulu
Post Number: 839
Registered: 05-2017
Posted From: 77.111.245.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:44 pm: |
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Nalla_baalu:yeah own house unte aaa kick eee veru kada annai ....idantha budget padmanaabham type discussion anthe....
ee weekend house owners illu konamani overaction chesthe aalani counter cheyyataaniki GK kaavali kada
inka idhe thed lo asalu illu konataaniki kaavalsina knowledge pindutha.....
actually owning house in USA is for security and stability reason not luxury or comfort if you are a citizen. let say if unforeseen fatal event occurs in your life, you can get Home equity loan and continue your life forward assuming you have had health insurance at the time of fatal event.
so owning house is plus always for US citizen. |
Lolakulu
Pilla Bewarse
Username: Lolakulu
Post Number: 838
Registered: 05-2017
Posted From: 77.111.245.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:37 pm: |
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Saarang:Not the right way to look at it...compare two things
1) Rent vs non-Principal monthly expenses
2) You will have around 8-10% selling cost, will the appreciation offset it.
Beyond this, there will be life style advantages like more space, typically better looking, garage, backyard etc...how much are these worth is a personal decision.
Agree with you brother. it is entirely wrong perception when you know you have more space, comfort, luxury and peace of mind.
just answering bilak balesh original questions straight forward without any confusion.
 |
Nalla_baalu
Censor Bewarse
Username: Nalla_baalu
Post Number: 126133
Registered: 06-2011
Posted From: 50.253.60.26
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:23 pm: |
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Gochi:
Gosankul no peer pressure but manaki konaali ani unna ....ikkadiki parents ni vadhilesi vachindhe entho kontha dabbu enakki esukotaaniki kada
ippudu immigration ila unnappudu ...konchem time aagudhaam anukuntunna.... first oka FT inkoka stamping set chesukoni appudu choodhaam anukuntunna ..... appativaraku knowledge is the wine
Aug 11th 2011 weight -- 84 kg; Aug 11th 2012 weight -- 88 kg; Aug 11th 2013 weight -- 80 kg; July 2015 -- 90 kilos (5'10")
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Ntr_rocks
Kurra Bewarse
Username: Ntr_rocks
Post Number: 4147
Registered: 10-2007
Posted From: 152.87.3.5
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:21 pm: |
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Nalla_baalu:ippude chadhiva PMI gurinchi..entha fast ga kattesthe antha better ani antunnaru kada internet lo ?
Yes
Pettesaa
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Ntr_rocks
Kurra Bewarse
Username: Ntr_rocks
Post Number: 4146
Registered: 10-2007
Posted From: 152.87.3.5
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:21 pm: |
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Nalla_baalu:
ee weekend house owners illu konamani overaction chesthe aalani counter cheyyataaniki GK kaavali kada
Vallu vellu konamante konedi enti...Its you and your wife decision...Pakkollani pakkana ettu...Ekuva matladite 0% interest ki 10K appu adugu...
Pettesaa
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Nalla_baalu
Censor Bewarse
Username: Nalla_baalu
Post Number: 126132
Registered: 06-2011
Posted From: 50.253.60.26
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:19 pm: |
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Ntr_rocks:Dont pay 20% down payment if it is ur first house 5% is enough. Only thing is you have to PMI
ippude chadhiva PMI gurinchi..entha fast ga kattesthe antha better ani antunnaru kada internet lo ?
Aug 11th 2011 weight -- 84 kg; Aug 11th 2012 weight -- 88 kg; Aug 11th 2013 weight -- 80 kg; July 2015 -- 90 kilos (5'10")
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 88891
Registered: 07-2004
Posted From: 159.53.78.141
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:14 pm: |
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Nalla_baalu:
Don't go by peer pressure nalla baalesh...financially minimum 50-100k bokka ki ready aithe go with the house...oka vela nijangaane peddha intiki move avvaali anukunte u can go with a rented townhouse..
kindha lolaks cheppinattu the interest you are paying over a period of 5 years + Agent's commission of 6% of value of house when you sell + additional living expenses (more in utility bills, furniture,maintenance etc)..ivanni add cheskovaali...unless you are living in an area where property values are appreciating a lot, meaning you can buy at 500k and sell at 600k, you will be losing around 50-100k at the minimum... |
Nalla_baalu
Censor Bewarse
Username: Nalla_baalu
Post Number: 126131
Registered: 06-2011
Posted From: 50.253.60.26
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:12 pm: |
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Saarang:Beyond this, there will be life style advantages like more space, typically better looking, garage, backyard etc...how much are these worth is a personal decision.
yeah own house unte aaa kick eee veru kada annai ....idantha budget padmanaabham type discussion anthe....
ee weekend house owners illu konamani overaction chesthe aalani counter cheyyataaniki GK kaavali kada
inka idhe thed lo asalu illu konataaniki kaavalsina knowledge pindutha......
Aug 11th 2011 weight -- 84 kg; Aug 11th 2012 weight -- 88 kg; Aug 11th 2013 weight -- 80 kg; July 2015 -- 90 kilos (5'10")
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Nalla_baalu
Censor Bewarse
Username: Nalla_baalu
Post Number: 126130
Registered: 06-2011
Posted From: 50.253.60.26
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:09 pm: |
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Lolakulu:bilak ball garu. naaku unna cheema lanti brain tho answer chestha deeniki.
1. 500k house with 20% down payment means you will get 400k loan from bank. This 400k is morgages over 20 years let say. 2400$ monthly pmt is sum of interest + principal that sums around to $576000 (mostly interest in the begining of mortgage duration).
2. you paid pmts for 5 years. that means 2400*60 months = $144000. So you still have another 15 years of payments ($432000).
3. now you sold house after 5 years for 500k. so new buyer will pay 500k to escrow account (middle men) who will pay that $432k balance on your part to your lender and transfer remaining 68k to your account.
4. so you will receive only 68k in the sale of the house at this point of time. Actually you paid $144k to bank as payments. so you will be loosing 76k in this whole scenario of owning house for just 5 years.
5. that's why you need to sell house for $580k atleast just to be in zero loss for you.
6. thappulu unte manninchu. asalu arthame thappu anukunte kshminchu. naaku ee concept ajbond annai seppadu. so all rights reserved to him only.
Aug 11th 2011 weight -- 84 kg; Aug 11th 2012 weight -- 88 kg; Aug 11th 2013 weight -- 80 kg; July 2015 -- 90 kilos (5'10")
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Ntr_rocks
Kurra Bewarse
Username: Ntr_rocks
Post Number: 4145
Registered: 10-2007
Posted From: 152.87.3.5
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:07 pm: |
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Saarang:
~700 will go to prinicpal, ~1700 will go to interest, around 400-900 will be taxes, hoa and insurance depending on state
You are right, anduke 700 min anna, I know I am paying $700+ toward interest, aa amount ki entho calculate cheyaledu
Pettesaa
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Critic
Kurra Bewarse
Username: Critic
Post Number: 2326
Registered: 03-2004
Posted From: 75.6.213.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 2:00 pm: |
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Ntr_rocks:
You are right. |
Saarang
Pilla Bewarse
Username: Saarang
Post Number: 783
Registered: 04-2015
Posted From: 66.25.5.81
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 1:55 pm: |
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Lolakulu:
4. so you will receive only 68k in the sale of the house at this point of time. Actually you paid $144k to bank as payments. so you will be loosing 76k in this whole scenario of owning house for just 5 years.
5. that's why you need to sell house for $580k atleast just to be in zero loss for you.
6. thappulu unte manninchu. asalu arthame thappu anukunte kshminchu. naaku ee concept ajbond annai seppadu. so all rights reserved to him only
Not the right way to look at it...compare two things
1) Rent vs non-Principal monthly expenses
2) You will have around 8-10% selling cost, will the appreciation offset it.
Beyond this, there will be life style advantages like more space, typically better looking, garage, backyard etc...how much are these worth is a personal decision. |
Saarang
Pilla Bewarse
Username: Saarang
Post Number: 782
Registered: 04-2015
Posted From: 66.25.5.81
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 1:50 pm: |
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Ntr_rocks:In first 5 years, you pay more interest...
Lets say your mortgage is $2500, minimum $700 will go for interest and the remaining to your Principal amount.
~700 will go to prinicpal, ~1700 will go to interest, around 400-900 will be taxes, hoa and insurance depending on state |
Ntr_rocks
Kurra Bewarse
Username: Ntr_rocks
Post Number: 4144
Registered: 10-2007
Posted From: 152.87.3.5
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 1:35 pm: |
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Nalla_baalu:
In first 5 years, you pay more interest...
Lets say your mortgage is $2500, minimum $700 will go for interest and the remaining to your Principal amount.
Pettesaa
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Lolakulu
Pilla Bewarse
Username: Lolakulu
Post Number: 837
Registered: 05-2017
Posted From: 77.111.245.10
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 1:33 pm: |
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bilak ball garu. naaku unna cheema lanti brain tho answer chestha deeniki.
1. 500k house with 20% down payment means you will get 400k loan from bank. This 400k is morgages over 20 years let say. 2400$ monthly pmt is sum of interest + principal that sums around to $576000 (mostly interest in the begining of mortgage duration).
2. you paid pmts for 5 years. that means 2400*60 months = $144000. So you still have another 15 years of payments ($432000).
3. now you sold house after 5 years for 500k. so new buyer will pay 500k to escrow account (middle men) who will pay that $432k balance on your part to your lender and transfer remaining 68k to your account.
4. so you will receive only 68k in the sale of the house at this point of time. Actually you paid $144k to bank as payments. so you will be loosing 76k in this whole scenario of owning house for just 5 years.
5. that's why you need to sell house for $580k atleast just to be in zero loss for you.
6. thappulu unte manninchu. asalu arthame thappu anukunte kshminchu. naaku ee concept ajbond annai seppadu. so all rights reserved to him only.  |
Ntr_rocks
Kurra Bewarse
Username: Ntr_rocks
Post Number: 4143
Registered: 10-2007
Posted From: 152.87.3.5
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 1:33 pm: |
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Nalla_baalu:
Insurances maintenance ivi entha untai .... rentalinsurance 14$ kaduthunnam kada house ki entha untai .....
500K home ki 700+/year vuntadi min based on your location..
Pettesaa
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Nalla_baalu
Censor Bewarse
Username: Nalla_baalu
Post Number: 126129
Registered: 06-2011
Posted From: 50.253.60.26
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 1:30 pm: |
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Ntr_rocks:2) Rent katte badulu Illu kondamu anedi wrong idea...You will never save money by buying house in 5 years...It will take 10 yr to get breakeven.
okay idhe naa point...rent katte badhulu illu owning is a bad idea
Good or bad when you think its the right time to buy a house koneyaali ani
nenu appreciate avvadhu ani enduku antunna ante ... last year and ee year same price ki frnds close chesaaru same community same builder ashburn lo
Aug 11th 2011 weight -- 84 kg; Aug 11th 2012 weight -- 88 kg; Aug 11th 2013 weight -- 80 kg; July 2015 -- 90 kilos (5'10")
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Nalla_baalu
Censor Bewarse
Username: Nalla_baalu
Post Number: 126128
Registered: 06-2011
Posted From: 50.253.60.26
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 1:28 pm: |
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Musicfan:Inka mee area lo appreciation enta houses ki?? idi inko factor..
House doesnt come with just EMI, it has insurance, maintenance, add-ons, ivvi ippudu katte rent anta untayi..
Insurances maintenance ivi entha untai .... rentalinsurance 14$ kaduthunnam kada house ki entha untai .....
Aug 11th 2011 weight -- 84 kg; Aug 11th 2012 weight -- 88 kg; Aug 11th 2013 weight -- 80 kg; July 2015 -- 90 kilos (5'10")
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Ntr_rocks
Kurra Bewarse
Username: Ntr_rocks
Post Number: 4142
Registered: 10-2007
Posted From: 152.87.3.5
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 1:22 pm: |
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Nalla_baalu:
Assume house value will not increase in these 5 years....
2-3% kuda increase kakapote you will be at loss..
Pettesaa
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Ntr_rocks
Kurra Bewarse
Username: Ntr_rocks
Post Number: 4141
Registered: 10-2007
Posted From: 152.87.3.5
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 1:20 pm: |
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1) Unless if you have more money, Dont pay 20% down payment if it is ur first house 5% is enough. Only thing is you have to PMI
2) Rent katte badulu Illu kondamu anedi wrong idea...You will never save money by buying house in 5 years...It will take 10 yr to get breakeven.
Buy home as if you really own it, Own home gives a different feeling...Maintenance(Insurance, HOA, Monthly bills, Handyman etc) vaasipotadi...
Pettesaa
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 65215
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 12:55 pm: |
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More over, what is your necessity to have house other than peer pressure??
Agnyaathavaasi Audio Review
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 65214
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 12:55 pm: |
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This is relative topic Ballesh..
2400 lo nee principal enta, mee current rent enta?? is one factor..
Then do you need that huge space to enjoy related to what you are enjoying currently..
Inka mee area lo appreciation enta houses ki?? idi inko factor..
House doesnt come with just EMI, it has insurance, maintenance, add-ons, ivvi ippudu katte rent anta untayi..
you need to weigh in many factors..
Agnyaathavaasi Audio Review
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Nalla_baalu
Censor Bewarse
Username: Nalla_baalu
Post Number: 126127
Registered: 06-2011
Posted From: 50.253.60.26
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 12, 2018 - 12:51 pm: |
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For example:
500k for house anukondi..... monthly payment 2400$ anukondi.....
ippudu nenu 20% down chesthe ..
oka 5 years lo India ki ellipoaalsi vasthe will I be at loss or profit
prathi weekend idhoka sodhi discussion aipoyindhi....
Sagam mandhi rent katte badhulu intiki kattukuntaav ....down payment dhi emundhi ammukoni elthaav ani antunnaru
so rent kattukotam better aaa 20% down chesi illu koni daaniki payments kattukovatam better aaa
Assume house value will not increase in these 5 years....
Aug 11th 2011 weight -- 84 kg; Aug 11th 2012 weight -- 88 kg; Aug 11th 2013 weight -- 80 kg; July 2015 -- 90 kilos (5'10")
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