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Old 05-05-2010, 09:31   #31
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Have you asked her? Maybe she has tried to get a mortgage and been denied?
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Old 05-05-2010, 09:49   #32
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Are you a home owner or do you rent DD?

If interest rates do rise we are in the fortunate position that it will not really have a massive effect on us.
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Old 11-08-2010, 19:37   #33
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It's good news that house prices are falling

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The Uk housing market will be remembered as the greatest swindle of all time.

Moneylenders realised they could influence prices by lending more. So they lent more and more to the same people secured on the same houses and pushed all the prices up.

The borrowers borrowed more and more to own the same houses and higher and higher proportions of their incomes were taken by the moneylenders -who paid themselves very well indeed from their profits.

The Bank of England avoided its responsibilities (''Houses not in the CPI so house price increases not our problem'') and kept interest rates very low enabling the moneylenders to lend more and more against a new test ''afforbility''.While at the same time leaving all the risk from increased interest rates with the borrowers.

The Bank of England has been consistently wrong about inflation and inflation is rising- so are interest rates.

Much pain will now be inflicted on the population of the UK through these actions of the great moneylending swindle, where all the profit went to the moneylenders and all the risk and pain is to be paid from workers wages.

I can hear the tumbril wheels coming for these bankers......

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So much 'cash' has been sucked out of wage packets and salary cheques to pay for ever increasing housing costs that there was never enough left to pay a 'fair' price for home produced goods,

(remember, the relative cost of actually building the property has not changed that much in generations).

The resulting dilution of the manufacturing sector has sent 'our' money (what was left of it) into the hands of far east nations. We are, right now, and will continue to do so, paying for the banker's greed in more ways than one.

Within living memory, even a bus driver could afford to buy a small home for his family.

Nowadays, that (imported) bus driver is more likely to be living in multi-occupancy dormitory conditions helping to pay the interest (only) on some Buy-to-let's mortgage.

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We really are in a cleft stick here. For society, and particularly family life, to work properly we need a typical family dwelling to cost about three times the average wage in the locality... so that one person in full time work can house and support a family. Before you laugh, that was the typical relationship of house prices to incomes for much of the decades until the 80s.

However, to acheive this level of price would need a total meltdown in house prices rather just slight fluctuations. And such a meltdown would ruin anybody who has bought in the last decade (or more).

For the moment we seem to be stuck with a situation in which young (and some not so young) people with quite respectable white collar jobs are priced out of home ownership.
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Old 11-08-2010, 19:54
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Old 11-08-2010, 21:25
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Old 11-08-2010, 23:12   #34
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The ever increasing news reports of blokes killing his wife and children, strain of money and social life is scary.

Woman who jumped off a building and killed her 2 kids in Scotland, guy who stabbed his wife and smothered both his kids then hung himself and today some guy killed his wife yet let his kids life.
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Old 11-08-2010, 23:17
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Old 12-08-2010, 09:04   #35
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Quote:
Originally Posted by Slinwagh View Post
How much of a rise in interest rates do you envisage DD ?
anticipates "trenta percenta" style answer...
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Old 12-08-2010, 09:06   #36
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150k is such a Wigan answer.
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Old 12-08-2010, 10:29   #37
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More victims of the economic slump?

http://www.dailymail.co.uk/news/arti...pair-debt.html
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Old 12-08-2010, 10:45   #38
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Yeah but

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It is thought he had run up debts of 75,000 doing the house up, but it was eventually sold for just 60,000.
What did I say about people remortgaging for stupid amounts.
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Old 12-08-2010, 10:52   #39
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Fuck em. Economic darwinism.
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Old 12-08-2010, 11:20   #40
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Quote:
Originally Posted by Visage View Post
Fuck em. Economic darwinism.
Shame you only apply this principle UK white-people.
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Old 12-08-2010, 11:34
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