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House or Apartment which do you prefer and why ?
2018-10-31 16:57
house lol wtf
2018-10-31 16:58
why
2018-10-31 17:10
apartment
2018-10-31 16:58
why
2018-10-31 17:10
well i would be by my self so dont need to overspend on it
2018-10-31 18:09
#3
D0cC | 
Netherlands duudiGOD 
apartment
2018-10-31 16:58
why?:D
2018-10-31 17:19
#35
D0cC | 
Netherlands duudiGOD 
idk but i prefer apartment, i dont like houses maybe because i heard a lot of burglary and its easier to rob house than apartment cuz in apartment u have neightbours and they should hear or see sth suspect :DD
2018-10-31 17:46
if someone wants to rob you,he can rob you anywhere :D
2018-10-31 17:51
#44
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Portugal sToleNcs 
so true +1
2018-10-31 17:56
apartment
2018-10-31 16:59
#5
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Palestine Al_Pacino 
apartment
2018-10-31 17:00
why ?
2018-10-31 17:01
#8
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Palestine Al_Pacino 
having a house is expensive and alot of responsibilities such as garden and more having an apartment is ez
2018-10-31 17:01
yeah but having garden,garage and maybe swimming pool is great lol
2018-10-31 17:04
swimming pool only if u live in a hot country tho, otherwise its a waste of money
2018-11-01 16:59
House obviously because I don't want to live like a depressed person in a miserable and overpopulated city which is where most apartments are, and I don't like overcrowded areas. Preferably a house out in nature, like a forest with a river nearby or something spectacular like that.
2018-10-31 17:00
#9
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France TeamVitality 
Apartment if it's nice
2018-10-31 17:02
House > Apartment in general. In some places an Apartment is preferable though. Especially in big cities like London, New York etc. Houses are usually a bit more outside of the city center.
2018-10-31 17:02
apartment house is good when you have a stable job and planning a family in the next years
2018-10-31 17:02
In City = Apartment Outside City = House
2018-10-31 17:06
outside is more quiet
2018-10-31 17:09
#17
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Lithuania KoksSkirtumas 
Till 35-40~ apartment , after that house.
2018-10-31 17:11
when you retire, you can arrange your yard haha :D
2018-10-31 17:16
Both.
2018-10-31 17:14
apartment
2018-10-31 17:17
#21
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Denmark AircraftPilot 
Apartment obviously dunno what can be greater than living in a 2 room apartment in a popular area in Berlin
2018-10-31 17:17
having garage,garden and pool you can party with friends and more space ofc is a lot better
2018-10-31 17:20
#24
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Denmark AircraftPilot 
I had a party in my home with 50 people and it was enough space for everybody living in a house is only an option when you don't live in a city and when you're redneck
2018-10-31 17:22
#26
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Netherlands Sjaak324 
xDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD living in a house is for rednecks xDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD
2018-10-31 17:23
#27
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Netherlands Sjaak324 
xDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD
2018-10-31 17:23
when u are oldfart :D
2018-10-31 17:25
#30
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Denmark AircraftPilot 
anyway living in a city is must beter, I couldn't imagine living in some village
2018-10-31 17:26
yes city is better ofc,but when you get older maybe is good option cuz in village is quiet and more cleaner air and u have time to clean the house and garden
2018-10-31 17:29
#32
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Denmark AircraftPilot 
the next generation of old people will be very different
2018-10-31 17:30
#25
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Netherlands Sjaak324 
+1 mah nigg
2018-10-31 17:22
just because you feel like its better doesnt mean its actually better i would also rather live in an appartment since you can live in the city centre, close to everything you need and also, not everyone likes to have a garden wtf is that logic even, whats fun about having a garden?
2018-10-31 17:25
well are you renting the apartment or do you own it?
2018-10-31 17:52
#40
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Denmark AircraftPilot 
I rent it obviously
2018-10-31 17:53
big difference tho.... you can rent an apartment for 10 years and have nothing to show for it once you're done or you can buy the apartment (condo in the US) and pay it off like you own a house. it's obviously a much larger commitment, but at least you'll have some capital once you're done
2018-10-31 17:54
JUST GET A HOUSE LOOOOOOOOOOOOL 4HEad
2018-10-31 17:40
4House
2018-10-31 17:47
#34
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Sweden Akoulad 
house
2018-10-31 17:42
too expensive :D
2018-10-31 17:52
#41
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Sweden Akoulad 
Living by yourself, then apartment of course. However, once you find a wife and build a family then a house is the way to go in my opinion.
2018-10-31 17:54
sell the apartment and get some more money from your wife and buy house,u dont have to pay anything hahah :D
2018-10-31 17:55
depends on whether or not you like the city life or country life renting long term is always a terrible idea because you gain no capital once you're done renting. all you're really doing is paying off the landlord's mortgage and paying their property taxes..... whether or not you buy a house in the country or an apartment (condo in the US) in the city, you're at least gaining capital by paying off your mortgage. 20-30 years later you completely own that valued piece of real estate and you can do whatever you want with it. at least you'll have a nice chunk of money!
2018-10-31 18:00
Paying off mortgages are always good, but that loney would grow much larger if put into the stock market instead with an expected AAGR of 7%. The psycological effects may be great, to have that feeling of owning your own home or paying off loans, but financially you have better options.
2018-10-31 18:09
well yea, of course... but you can't live inside the stock market lol (well maybe you can.. im sure bums live in the alley behind the building) pretty sure the thread, in general, is talking about the differences between renting an apartment or buying a house
2018-10-31 18:11
What I mean is that by buying your own home, you're binding a lot of money to that, whether it's just a down payment or the whole amount, which would be avaible to put in stock market if you were to rent instead.
2018-10-31 18:15
well from my experience, apartment rent is typically more money per month than a mortgage payment would be on the same piece of property. if it were me... i would buy the house or condo, pay the mortgage for 20-30 years or whatever the structure is, and invest in the market with the surplus money that i have at the end of each month. low risk, low stress, comfortable house or condo to live in, bing, bang, boom
2018-10-31 18:22
Well of course you pay more by renting, otherwise there would be no landlords. The difference is however in most cases not too big, and the effect of being able to put more money into the stock market, instead of locking it down in a 20% input for an apartment purchase, is much greater. Example with some common prices in the Swedish housing market. 2-room apartment in central part of my city costs about 300k-350k USD, current laws force you to at least put in 15% yourself to even be able to apply for loans at the banks. 15% of 300k is 45k USD, which would then leave you with a loan of 255k USD if the banks accept it. With current interest rates of around 1,5% you'd roughly pay 300 USD monthly for that loan. Then you have fee to the housing cooperative which can differ a lot, but a pretty average fee for 2 room apartment is around 400 USD monthly. All in all you pay 700 USD for that apartment every month, not counting paying down the loans as as expense since it's actually a form of saving, and anyhow that money would have bigger effect on the stock market. Renting an apartment like that in similar area would cost you about 900 USD monthly. So you pay 200 USD extra every month = 2,4k USD extra every year, for renting. Say you live 10 years in this apartment, would mean you'd in this period pay 24k USD extra for renting instead if you'd bought. BUT, you still have 45k cash available since you didn't buy your home. AAGR of passive index instruments is around 7%. In a period of 10 years this money would almost double on the stock market: 45000 * (1+0,07)^10 = 88,5k USD Meaning you'd gained (88,5-45)= 43,5k USD in 10 years from the stock market, thanks much to compound interest. Now then you payed 24k USD extra for these 10 years for renting the apartment, which would leave you with a total profit of (43,5-24) 19,5k USD. If you just look at it from an economic perspective, you're better off renting your apartment as shown. However there are of course many other things to consider, the positive psychological effects of "owning" your own home; being able to do what you want and not reliable on someone else. Also at least in Sweden it's very hard to get a rental apartment contract, in bigger cities there are queues of 10 years if you want a good apartment, in Stockholm even longer. So sometimes you have no other choice than to buy your apartment, me myself. Maximizing profits = rental apartment in combination with investing your money into stock market. If you don't care about maximizing and want more balance, buying is better.
2018-11-01 00:36
What's the average margin between renting and buying the same home in USA?
2018-11-01 16:57
from what i've seen, it's usually a couple hundred more per month to rent than it would be if you got a decent mortgage structure
2018-11-01 17:23
#46
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Kazakhstan Tarob 
half life lived in house , another in apartment , love both
2018-10-31 18:02
which do you realy liked more,pros and cons
2018-10-31 18:05
#53
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Kazakhstan Tarob 
House , I lived in grandmas house and it looks like a typical suburban house , toilet on outside , winter cold af , someone might say that it’s terrible , but I spent childhood in grandmas house and now I miss those challenges in parents apartment 😢
2018-10-31 18:14
#50
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Poland henlo 
i miss house what a great show
2018-10-31 18:10
#52
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Slovakia ypsylonnn 
flat
2018-10-31 18:13
#54
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Poland Spectra_CS 
house
2018-10-31 18:14
roadhouse
2018-10-31 18:15
rather have a apartment in a downtown than a house in a middle of nowhere
2018-10-31 18:16
u can have house in city but it will be expensive cuz of location
2018-10-31 19:13
house no doubt
2018-10-31 18:17
apartment because cheaper and less shit to take care of/clean
2018-10-31 18:19
u can pay maid to clean
2018-10-31 19:19
I'd prefer to do it myself, saves money. Also I live alone so a single bedroom apartment is all I need really
2018-10-31 23:16
#61
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United States Knight13 
House because you get more space. No anoying people above/below you and also you can have your mail/pizza delivered straight to you house. It doesnt have to go to the office and have it signed off there.
2018-10-31 18:19
House but if I could live in HLTV I would live here 100%.
2018-10-31 18:21
#63
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Faroe Islands eXplosiv3 
I would choose apartment because it is easy to manage. House is great also but needs a lot of fournitures, plus the thing that house is usualy expensive.
2018-10-31 18:26
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