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6mil Americans are behind on their mortgage


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Posted

2008 crisis happened because people couldn't pay mortgage atleast for a month without job because they were approved with subprime loans.  The trend is no longer same, people have money in accounts for atleast 4-5 months . So stop thinking that market will drastically collapse.. 

Again i am taking about good , decent commutable areas 

  • Upvote 1
Posted

Tracy tejams asking Ma money money kada, maku house appreciation vadda, memu manushulam kaada. Loss motham evaru istaru?🤣

Posted

Lol.. actually nobody is asking . Its usually people who cannot afford will always crib on others. 

Nenu 2008 crisis lo lost 20% of value as few homes in neighborhood were force closed. In 2010 bought a foreclosure as investment.  in 2022 sold both and i am way up.. If market crashes badly which i don't think it will be, buy investment . Only fools will look at appreciation and feel happy, its just virtual unless u are in flipping business 

  • Like 2
Posted
3 hours ago, Variety_Pullayya said:

mortgage lekapoina kashtam gane undi.....property taxes kattalante without job it is difficult to manage

Ask your town to delay taxes due to job loss

  • Upvote 1
Posted
4 hours ago, ErraBook_monagadu said:

Ela chepali, in 2022 this house listed $1.4M, tejam bought $1.5M.

try to sell now you will realize. Or wait couple of years and check it’s value, 

 

https://www.zillow.com/homedetails/3074-Sanderson-Ave-Tracy-CA-95377/300278055_zpid/

Similar large Houses not selling on the market for 9 months  now, even though priced 950k. Inka 1.5m purchase chesina tejam situation 

https://www.zillow.com/homedetails/2617-Emery-St-Tracy-CA-95377/401721442_zpid/

Posted

Imagine you purchased house 1.5m 3 years ago, stuck with 1.2m mortgage 6.5%, can’t refi, value dropping crazy. 
 

Nidra kuda radu normal person ki

Posted

Price bubble was so bad, even the tax assessor was valuing homes 300k below sale prices in 2022. That doesn’t happen normally, they use sale price as value for tax assessment. Tax assessors mind blown away seeing this bubble

Posted
5 hours ago, har_D_ick said:

hahah.. that calculation of 1 million home after 10 years depreciates to  500 K anta.. seriously I wonder how do these clowns exist and live life .  ( he comfortably avoided my comment on prime areas :) )

at the end of the day you can surely increase your appreciation of home by buying low , but it is tough to time the market. You buy what you are comfortable with and get over it 

Most home prices around the World are gonna depreciate in next 20 years. Its a mathamatical certainity....demographic collapse is the reason....December lo italy trip esa....So many abondond houses....old people died with no kids....kids moved else where and no longer wanna live....Single kid moving to other country etc etc...ee trump Immigration ni stop cheste US di kuda same Situation in 20 years...

 

Chinese real estate is collapsing due to lack of demand now....only few prime areas will appreciate in future 

Posted (edited)
5 minutes ago, Ballisticmissile said:

Most home prices around the World are gonna depreciate in next 20 years. Its a mathamatical certainity....demographic collapse is the reason....December lo italy trip esa....So many abondond houses....old people died with no kids....kids moved else where and no longer wanna live....Single kid moving to other country etc etc...ee trump Immigration ni stop cheste US di kuda same Situation in 20 years...

 

Chinese real estate is collapsing due to lack of demand now....only few prime areas will appreciate in future 

Quite honestly if USA runs down that path as italy. I have much more bigger things to worry about 🤣.

 

Atleast for now i am not seeing the trend in prime areas, so no need to panick

Edited by har_D_ick
  • Upvote 1
Posted
18 minutes ago, har_D_ick said:

Quite honestly if USA runs down that path as italy. I have much more bigger things to worry about 🤣.

 

Atleast for now i am not seeing the trend in prime areas, so no need to panick

Yea, tourism valla summer lo high demand anta....off season like winter and these days lo all of them are bhoot banglas 

Posted

600k can’t get even a motor home in fremont

Posted
4 hours ago, har_D_ick said:

Lol.. actually nobody is asking . Its usually people who cannot afford will always crib on others. 

Nenu 2008 crisis lo lost 20% of value as few homes in neighborhood were force closed. In 2010 bought a foreclosure as investment.  in 2022 sold both and i am way up.. If market crashes badly which i don't think it will be, buy investment . Only fools will look at appreciation and feel happy, its just virtual unless u are in flipping business 

i don't get your logic...if you are locked in 7% interest rate and avg appreciation is 5% a year, aren't you loosing money?

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