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Imagine paying rent
NiKo | 
Germany Reyna1Tap 
Lmfao :D People here in Germany (85%) dont have their own houses and the people that do have houses have to pay credit to the bank every month cause they took money to build a house Germany KEKW only 2% have houseownership
2022-08-11 12:37
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#1
 | 
Netherlands PawnyCS
house market fucke d;(
2022-08-11 12:38
3 replies
Yea thats what I mean this country makes me so fuckin nervous..how is it in Netherlands tho?
2022-08-11 12:40
2 replies
#8
 | 
Netherlands PawnyCS
prices skyrocketed a lot, there are enough houses and people have trouble :(
2022-08-11 12:42
1 reply
#16
 | 
Netherlands PawnyCS
aren't*
2022-08-11 12:53
Who needs houses when you can live rent free on HLTV ?
2022-08-11 12:38
10 replies
lol
2022-08-11 17:21
Epic pro gamer move
2022-08-11 17:31
1 reply
You're socially awkward, shown by this comment alone.
2022-08-12 11:43
based
2022-08-12 01:31
du bist Deutsch?
2022-08-12 01:39
4 replies
Always have been
2022-08-12 11:22
2 replies
NT fakeflagger Ur danish
2022-08-12 16:15
1 reply
Only partially
2022-08-12 16:17
#77
 | 
Poland tailal
du bist weltmeister
2022-08-12 11:33
based
2022-08-12 09:43
#7
FMz | 
Belgium rpRj
So in your lil world most people are able to just save up and buy or build a house without a loan?
2022-08-11 12:41
Mortgage is always better than rent so they're doing fine. Not sure everybody borrow money to build a house everytime, they just buy an existing one
2022-08-11 12:42
13 replies
#18
 | 
Europe _Anthony
Renting offers flexibility, predictable monthly expenses, and someone to handle repairs. Homeownership brings intangible benefits, such as a sense of stability and pride of ownership, along with the tangible ones of tax deductions and equity. Renting doesn't mean you’re throwing away money every month, and owning doesn't always help you build wealth in the long run. both have pros and cons, i'd say its a 50/50 depending on where you live/rent, there is no better or worse overall as you stated. both are totally alright,
2022-08-11 12:55
11 replies
to me you can get your money back and profit after reselling, real estate always gets high value on the long term
2022-08-11 12:58
2 replies
I guess you're too young to remember last crisis, but that's not true. As example, my cousin bought a flat for 300k like 15 years ago and she/husband were paying around 1k x month. Now they divorced and if they sell the flat now, they'll still owe like 50k because the flat cost almost 50% less than in 2008, plus there's a lot of money that goed away between taxes and people signing a paper and getting % of the sell. Flat is on the center and it's just 15years old, but now that zone is not the best in the city and more desirable+2008 crisis made all the prices to crash.
2022-08-12 22:13
1 reply
I'm old enough to remember last crisis don't worry I'm in London and prices went up after covid, just went down a bit during the pandemic The 2008 crisis was a long time ago, they had an unlucko investment but depends if you're in a desirable city or not. Also it's better to do some serious research before investing into a district. In-city districts usually go up over the years, either was unlucko investment or poor research
2022-08-13 00:45
finally based user, in sweden rn can cost the sam to own compared to renting (not counting paying on mortgage), just interest and licenses etc
2022-08-11 17:26
Renting is literally throwing money away every month , the money you'll use to pay rent can be used to pay your mortgage and in 20 years you'll own your house
2022-08-12 01:52
5 replies
#65
 | 
Europe _Anthony
how old are you may i ask, because you sound exactly like a someone who just graduated from highschool and has no clue about the outside world.
2022-08-12 03:15
2 replies
+1 clueless lol
2022-08-12 03:23
Let's say I'm around 20-25 years old , why is that ?
2022-08-12 09:42
#112
 | 
Ukraine ShimonSS
not everyone is so sure what they want to do in life, and where they want to live, so mortgage isn't for everyone
2022-08-12 23:59
1 reply
Fair point , +1
2022-08-15 13:34
The main argument for me was: Someone is making money with your rent. Some guy is happy that you pay the rent, because it makes him even more money. And after 30 years of paying rent (realistically speaking ~close to 500k) you don’t own anything. If you had built a house 30 years ago, you would own a house that is probably worth ~750.000€.
2022-08-12 11:42
Not always. Often, but not always. Like say you're planning to move within a few years, then renting has it advantages as it makes moving a lot easier. Also prices of houses goes up and down, mostly up but say you buy and prices go down then moving will leave with debt after having sold your house - or not moving even though you want to. Plus even worse debt on a house is low interest, however debt you got from selling cheap means the debt is just personal and that type is expensive.
2022-08-11 17:33
#13
 | 
CIS Guymens
Only 2% wow
2022-08-11 12:50
3 replies
Its a made up number
2022-08-11 12:53
2 replies
#25
 | 
CIS Guymens
What is real number?
2022-08-11 13:04
1 reply
#101
ropz | 
Latvia JRun
-1
2022-08-12 16:48
tradingeconomics.com/greece/home-ownersh.. In Greece 74,6% have own house
2022-08-11 12:52
4 replies
It is 90% in China
2022-08-11 13:07
3 replies
hows Turkey?
2022-08-11 17:15
1 reply
95%
2022-08-12 01:08
#50
 | 
Brazil TiagoQc
translation 90% of chinese people live in government houses
2022-08-12 01:20
if 85% of the ppl are renting who owns all these houses then surely u dont have random dudes buying thousands of apartments just for rent, its most likely just old ppl who inherited and passed it on or whatever, so if someone rents it out they own it and it cant be 85% of ppl renting
2022-08-11 12:53
3 replies
Actually, especially in bigger cities, "random dudes buying thousands of apartments just for rent" is a huge problem that skewes the market. Inflate the prices so poorer people have no chances to buy their own apartments and have to live in rent. Well not thousands but still.
2022-08-11 12:57
2 replies
still i highly doubt it would cause such a change in the market for it to be 85% rental wtf
2022-08-11 12:59
1 reply
That is true, 85% sounds very much too high.
2022-08-11 12:59
glad that my family is rich and i have flat in warsaw lol
2022-08-11 13:06
A simple google search reveals its 50% not 85. 0/8
2022-08-11 17:06
Dont think there are many people who can just buy a house with cash, so you will have to inevitably pay mortgage. Property values generally dont go down, so they are good family assets to pass on to next generation or even selling to get money for retirement
2022-08-11 17:11
Klaus Schwab was right You will OWN nothing and you WILL be happy.
2022-08-11 17:12
Bro its the same everywhere not only germany and its sad actually but whatever Schwab predicted it.
2022-08-11 17:13
rent free
2022-08-11 17:15
pretty much the same here and this country is a complete shithole. So this issue is not about 1st world countries, it's pretty much consequences of capitalism
2022-08-11 17:26
1 reply
+1 It's simple.
2022-08-12 11:46
This is stupid. Do you think houses are normally free? Or how exactly do you imagine you get to own a house? Magic? Not many people can downright buy a home, that is nothing special for Germany. Depending on laws, tax system and more it may or may not be advantageous to borrow the money to buy a house rather than just paying rent however there are pros and cons to owning. If you lend money to buy a home, the sum is usually a big, so big that it may be a loan that runs 20 or 30 years. During that time people call it their home, but for much of the time it is really the bank that holds most of it.
2022-08-11 17:28
2 replies
true. The banks also rub their hands when the owner gets into financial or health problems which means they can profit MORE on that person instead of giving him some time. Insanity.
2022-08-12 01:51
1 reply
That is the unfair thing about money. If you only have a few or non at all, then anything that takes money is expensive to touch - however if you got money then lots of the small stuff is cheap or even free. An example - if you do enough business with your bank, then not only will basic banking be free, but you may find your self having credit cards that offer free credit, travel insurance, airport lounge use for free... And if you want a loan for something at the bank, then it will be fast, easy and with lower interest rate than if you were just a basic customer.
2022-08-12 16:07
#40
 | 
Ukraine I_say_Ok
Nice first world
2022-08-11 17:31
#41
 | 
Norway Flick_
HLTV user just found out how bank loans work
2022-08-11 17:31
2% sounds sus
2022-08-11 17:31
1 reply
51% 2017
2022-08-12 15:23
#46
 | 
Brazil ShalkanG
I would never imagine this WTF
2022-08-11 20:18
1 reply
#47
 | 
Brazil ShalkanG
most of BR live in their own house
2022-08-11 20:21
I like renting, affordable option for me, don't have to worry about big maintenances like pipe, electric, or structure. Just paying some cash every month and chilling, but also my landlord is very nice, maybe some people have mean ones. w
2022-08-11 20:30
#51
 | 
Portugal RMOC
couldn't be me 😎
2022-08-12 01:21
one of the only positive sides of russia is we all own our apartments/houses, socialism legacy
2022-08-12 01:31
6 replies
K its not unusual to own a house
2022-08-12 02:22
1 reply
considering what op wrote it is?
2022-08-12 20:39
#74
 | 
Ukraine Kellso
that's nice, people should move to russia for better life
2022-08-12 09:48
3 replies
moving rn
2022-08-12 11:29
1 reply
#105
 | 
Ukraine Kellso
fascinating
2022-08-12 20:41
Good to know thanks for informing
2022-08-12 02:22
imagine buying a house when you could use that money to make money with investing BOT
2022-08-12 03:18
3 replies
Ummm, not sure what its like in Albania, but my house value is up 30% in 5 years so if you want to show me how you can make more money, please do.
2022-08-12 16:19
1 reply
from 2000 to 90000 in crypto 2021
2022-08-12 16:44
buying a house can be an investment, just depends on your intentions
2022-08-12 16:27
ever been to berghain?
2022-08-12 03:45
1 reply
Anthony Rother live, Marcel Dettmann playing 2h set, god damn that sound system is BOOMING
2022-08-12 11:40
i have a house in metaverse! i cant wait for isekai sleep capsule to be made so i can live in alternate world!!!!!
2022-08-12 09:46
Fuck banks and fuck boomers, I'm not giving them the option to hold my life in their hands, fuck all that noise.
2022-08-12 11:39
3 replies
hookers
2022-08-12 11:42
1 reply
Exactly what I've been saying since I was a teen, I'm never gonna prostitute myself to owners just for a slice of wealth.
2022-08-12 11:43
what did boomers do to you
2022-08-12 16:18
Homeownership in Germany is lower overall than in most other developed countries. In 2017, Germany's homeownership rate was 51%
2022-08-12 15:23
Renting is just paying someone else's mortgage. Unless you are traveling often (every few months) or you really needed to move out of your family home before you could save for a down payment on a house, you are financially making a terrible decision to rent.
2022-08-12 16:15
1 reply
You know what happens after 10, 15, 20 or 30 years having your own house? Besides paying the 500k+ to begin with.
2022-08-12 16:23
Quite clever tbh, rent is cheaper than your own house, unless you are a millionaire anyway and shit money.
2022-08-12 16:22
5 replies
yea but the downside of Renting is it's literally throwing money into a Bottomless Pit you don't actually own the place you live in and one day for honestly whatever reason your Landlord can give you whatever notice is needed to evict and then your out
2022-08-12 22:15
4 replies
And then you rent a new apartment. Costs for own land/house are way higher than renting a place. This is personal finances 101
2022-08-12 23:38
3 replies
plus another way of looking at it is renting is buying a house for your Landlord
2022-08-13 03:38
2 replies
It doesn't fucking matter. Renting = always the cheapest option for the average person.
2022-08-13 07:01
1 reply
oh no don't get me wrong you are 100% correct and i understand that but if you can afford a Mortgage go for it the real shame is Housing prices are being artificially inflated by greedy government land owners property developers you name it
2022-08-13 23:28
the smart thing to do is buy a house with mortgage and then rent the house out and then the house pays for itself ;)
2022-08-12 16:25
1 reply
in europe it's not viable investment like in usa, you can't rent for ~1500/2000 and have a ~300/500 mortgage and in many instances the bank won't let you legally rent for a number of years
2022-08-13 00:06
What is your point? That people should own houses instead of renting?
2022-08-12 22:01
3 replies
#107
Petra | 
Poland 138|
nah, he probably thinks he is cool because his family has a house
2022-08-12 22:02
2 replies
I genuinely don't understand his point, he just stated things
2022-08-13 01:38
1 reply
#122
Petra | 
Poland 138|
idk, maybe this is the infamous jermeny humour
2022-08-13 15:17
people in eastern europe are owners almost all of them like 80% the complete opposite but they're not wealthy , i'm not in the same boat as the ones sayin you'll own nothing and be happy , i want to own a house and like 2 cars and an apartment but as for now i live in one of the most expensive capitals in the world have to pay ~1500euros per month in rent, but it's alright since i subrent to room mates , at the end of the month i pay ~500max usually 300 and keep my salary almost intact
2022-08-13 00:05
I mean its your people, your citizens... and you're having fun/giggling about this info? Damn, you really like your country.
2022-08-13 00:07
People who are over 30 and still pay a rent are dumb
2022-08-13 07:06
I don't have to imagine it's something I do
2022-08-15 13:42
Its more expensive to live now in general than 30+ years ago
2022-08-15 13:49
#127
 | 
Australia B_Tannen
Depends on ur plans of course. Like temporarily renting may be a better option if u can’t get that big amount of cash to buy. Unfortunately people are very wasteful with money today tho.
2022-08-15 13:58
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