/biz/ - Business & Finance

>>29152273
>he wagies in a city
NGMI

>>29152273
I bought my house from the council at an £85k discount. I also get paid £800+ a month on top of my wages for having kids.

>>29152273
How about a 95% mortgage and the smallest deposit you can get away with?
Interest rates will be low for a generation because the world is fucked with debt, so this should be manageable. If crypto works out you can pay it off early.
It’s your money, though, fren, so you need to make the call.

>>29152273
Keep investing and turn that 80k into 250k
Why would you want to buy a home at the top? wait for the correction.

It depends on lots of factors:
- Can your parents help out with a mortgage?
- Is living with your parents that bad? Can you bring (girl)friends home? Do you have a lot of personal space?
If not, then maybe try renting for awhile. A man needs some independence. I regret spending so much time living at home and feel better having moved out.

>>29152273
just live at home and save money. The housing market will have to crash sooner or later.

>>29152273
Take out a mortgage your not buying a million quid house are you?

the first thing you can do is put your savings into a stablecoin on celsius and start earning 16.5% APY on it

>>29152605
There will never be a housing market correction.

It is a very difficult situation in Ireland (my home) and the UK fren. I imagine UK is worse than here. Boomers who bought in the 80s and 90s enjoyed incredible gains, and the consequence of that for us is that the entry costs to the market are sickeningly high. In Ireland at least, a whole generation of people grew to expect their asset to grow indefinitely with no risk and now they scratch their heads looking at our generation and they will never admit that they actually had it easier with regard to starting to their life off and having the things that matter in life. As shit as it is, the best option could be to buy a shit house and hopefully trade up at some point in the not to distant future. You made 80k on cryptos, you most likely have enough intelligence to be able to navigate this path in the long run.

Just live in a town about 25 miles away from where you work.

I live about that distance from Glasgow, and 1/2 bed flats are around a comfy 50-100k

>>29152552
go back to pakistan

>>29152552
i'm european, i can still get my taxes back when i leave right? i don't want to leave my money here only to be wasted on fags and a nigs kids

Yeah don't pay the biggest deposit you can. That's stupid.
Interest rates are low. Play the credit system as best you can seeing as we're all forced to.

Find a woman/man/tranny to settle down with and buy a house together, that'll increase your budget and split the cost.
Failing that, buy in the norf.

>>29152427
Move somewhere else then you fucking retard. I'm in the midlands and while the centres are all like down town delhi, there's housing from 100k up to 800k and the more you pay the nicer the area. Just build up

>>29152552
kek you fucking based single mother cunt

>>29152565
>35k x 4 = £140k

That's enough to buy me singe car parking spot. This system is a fucking scam. Why are these fucking councils giving such discounts to these animals and I have to suffer with zero hope?

>>29152273
static caravan
live within your means init

>>29152605
Because the only thing more valuable than housing or money is time? I wouldn't trade places with Warren Buffet because of his age. I'm nearing 30 and still living at home. FUCK THIS KIKE SYSTEM for ruining my quality of life without the ability of buying a house. I can't believe I don't have my own space to begin living life yet.... probably ever.

>>29152273
The problem in developed countries is that everyone wants to move there, and most of these cuntries allow foreigners to buy property. My neighbors in the USA just sold a 3 bd house for 15% more than the list price, and 75% of the people who came and looked at were chinese...as long as there are chinks, arabs and poos getting rich off of their developing economies, our housing markets are fucked. You could try moving to the Norf or countryside

>>29152981
>>29152963
>>29153131
I'm not even a foreigner. I just game the system. I'm taking ZOG for every penny.

>>29152839
It's hopeless, trust me I've analyzed the situation for a long time. I really don't see any positive solutions. If I somehow made 2 million of cryptos this decade, I would still need to put 25% of that into buying an overpriced property which will not be THAT amazing. You basically need to reach £10M and I'm not even exaggeratin.

>>29153501
as it should be

Just leave that shithole island. Go live in asia

>>29153599
You are delusional.

>>29152861
>tfw too poor tae be a propir weegie
Kilmarnock?

>>29153032
I don't live in a city retard and I grew up in birmingham. I left that shithole after 30 years and bought a farm as a neet, go fuck yourself hahaha. Why the fuck would I want to have neigbours hahahahahaha. That whole city smells like shit and it is full og brown people and polish cunts,

Do not take out a mortgage OP. We young brits are far too keen to get on the property ladder because our parents did it early, and you're likely feeling jealous that your peers are buying houses now too.

People forget that times are different now; treat your 20s as an extension of your late-teens/early 20s, and your 30s as the time to get your shit together. There's many boomers who are not retiring which is causing younger people to not get promoted as quickly, wages are stagnant and with medical advances, you're likely to live to 100-110.

What we know is going to happen is a housing market crash, sooner or later. London lost 10% of it's population thanks to COVID (immigrants moving back to their home nations and a lot of Brits moving to the countryside), and prices are already feeling the impact. Once London crumbles, the rest of the UK will follow. I'm talking house price drops of 30-40% in this upcoming crash. Do not saddle yourself with an excessive mortgage right now when you'll end up in negative equity (one of the reasons why banks increased the deposit requirement). Keep investing in solid growth areas across multiple assets.

I know one guy who owns a legitmate property development firm, he's about 23 (had a lot of help from his parents) and rents out a large portfolio of houses. He doesn't own one himself, and said renting a penthouse for £5,000 per month is better value than buying the same property right now

>>29153501
this is what bugs me, i'm ok with paying the tax for playing in your pond but then Brits take the most benefits yet we get accused of that.
I want to get my tax shekels, go back, cash out my crypto and live the high life. Just need this rona shit to end already, i don't want to be stuck on this bleak island forever.

>>29153623
The point is if I can do it, you guys can do it too.

>>29153599
Are there no inexpensive places you could retire to in the uk with 2m? Worst case you can just move somewhere else. idk where, everything seems pozzed, but there's certainly places you could retire off 2m.

>>29152861

We aren't all stunted scottish hobbits that can easily fit in a 0.5 bed though

>>29153599
Yes it was sickening for me to realise a few years ago that even if somebody handed me like 2 or 3 million euro I wouldnt even be ecstatic - I would just feel like "ok, now I can actually have a normal life and not need to be perpetually worried about money, and I will still need to work". The actual wealth denoted by the word "million" is so very diminished from the connotations it had even in the early 90s. By the mid 2000s, millions didn't seem as much anymore. When I see lotto jackpots of a few million I think how it isn't worth buying a ticket because the prize is basically just being able to live a normal life without being a slave to debt and getting to live in an actually desirable area you are actively happy to live in, afford to pay for kids education, comfortable pension, healthcare costs etc. Real wealth (a life of luxury with no need to work) should be measured in units of tens of millions and above in my opinion. That said, ten million euro or pounds would be loads to have a comfortable life if managed well. 20 million would be loads to have a comfortable life even if not managed well.

>>29153966
I work a pretty shitty job 48 hours a week and if I didn't have kids I wouldn't get anything from the government. Maybe if foreign parasites didn't drive down wages I wouldn't have to.

>>29154021
way ahead of you brother, I'm a 29y/o neet with every possible benefit i can leech

Is the Isle of Man a good place to live? Considering cashing out my crypto there one day to dodge CGT

>>29153897
based and farm pilled. i can shout nigger out my backdoor and the only thing i have to worry about is spooking the chickens

If your parent's aren't typical greedy boomers than living at home is not bad. It WILL effect your dating life though and hinder you sometimes from getting laid

t.30 year old still living at home but atleast i'm saving money and shit

>>29154565
Based and moochpilled.

>>29152273
Our little island is fucking dead OP face it. When all the rona shit blows over I'm planning to settle in either Prague or Budapest with my gains.
You can live like a king in these europoor countries and the girls are fit

>>29152273
In the US tons of jobs are wfh. Many are likely to stay that way. Did the brits not do similar? Get one if those jobs and live wherever you want.

>>29155386
>Did the brits not do similar? Get one if those jobs and live wherever you want.
I've been applying for jobs where they say it's likely to become common practice with occasional commutes to a central office.

>>29153820
Greenock

>>29155103

500k new houses? Yea right m8

>>29155386

No, the UK is a class based system with middle and upper management heavily benefitting from local property prices for the area of the offices they work in. They will say you can WFH until they force vaccines into work contracts to keep their ponzi scheme afloat.

>>29155992
my condolences.
hell, you got flats for £5k around the corner, they even get you halfway nearer civilization:
https://www.futurepropertyauctions.co.uk/property_details.asp?id=9547183#!/

>>29153929
>30-40% crash

this seems like wishful thinking. almost every day there is a news article about the impending housing crash that never comes. those articles get written because people want it to crash, which also means they want to buy houses. i also doubt the government would stop propping up this ridiculous market any time soon, it's basically the pride of the wealthy englishman.

>>29156591
It's true
the government will do anything to protect house prices and even schemes like help to buy simply help keep house prices rising

cashed out my crypto gains recently boys(800k after taxes) managed to buy my dream home for £250k. wahey am living the dream now lads

>>29152273
if it's any consolation a lot of european countries have seen house prices decline in the last 10 years (eg. Italy), especially in real terms.

The UK is warp speeding into going full economic shithole at the moment so we won't be far off, the only downside is all the parasites at the top rely on a corrupt housing system so they may just keep inflating it ad infinitum.

They got spooked last march and hose prices dropped a bit then and I wouldn't be surprised once they let the furlough and other gibs go finally we will see a drop if we have a correction.

>>29152273
you must be turkish to be so entitled and have such an unrealistic grip on what you really need and how much it all costs

>>29153501
Based roastie
Them kids better be white sweetie

>>29156910
Put the rest into Vanguard and live off dividends for the rest of your life

>Taking a mortage with less than 50% downpayment
It's not the beginning of the housing bubble, you mongoloids. Never, ever do that. In fact, do not buy a house unless it's an absolute bargain and has no catch.

>>29153371
fucking rent you retard

>>29156930
>>29156930

People are in a frenzy to get houses bought before the stamp duty grace period ends all over the UK. Boomers trying to get their retirement homes in the country and give 35 year olds their 4 bed bag holds.

Estate agents are also saying they have a cash buyer instantly when you try to move on a property to inflate the price.

>>29152273
House prices cannot keep going up like this forever. At a certain point you just don't have any buyers left. Ze Great Reset, in whatever form it takes, will lead to massive economic changes. People are going to be able to live in different parts of the country, even if that means having to take a train into London or whatever once or twice a week. And if that doesn't happen and all housing in the UK just becomes a speculative asset then the country will fail, so just emigrate. You can't save a sinking ship.

When assets are volatile you either play the market and win or you stay liquid to reduce your risk. Ultimately, there's nothing wrong with renting and building up your wealth in various funds while you survey the terrain. You don't want to buy a place in some shithole, end up in negative equity and then be tied to that piece of shit asset in that piece of shit hole.

>>29152273
Honestly if I were you I'd live at home or rent for a few more years then cash out and fuck off to Greece, buy a house and never look back.

>>29152273
Here in Liverpool you can get a decent house for 150-200k. But you do have to live in Liverpool

>>29157925
almost anywhere in europe might be preferable to the uk right now. better housing prices, better quality of houses, better weather. the only downside is europe is full of foreigners.

To be fair at least you dont suffer like I do in Sunderland, chavs everywhere outside of the 'niceish' place I live.

>>29153052
bongbros...
we've been btfo

>>29157925
>>29158045
The problem is I have a business which involves the re-sale of bulky physical goods and I am bound to the UK as the supplier lives here. Brexit means overseas shipping is basically non-viable.

I feel like I am chained to this land. Unfortunately the business is not enough to make a million per year but it is a comfy earner.

>>29152273
Housing is not costly in the UK, good boy points were devaluated since 2008

Google "UK monetary base Fred" to see the data on the fed site

>>29159111
Have much is your business worth if you were to sell it?

>>29152752
A true crash will never happen. The financial system is too fragile.
>>29152808
There will be 100-year mortgages on pods.

>>29159294
I haven't established it that far yet. I'd need another 3 years atleast. I only took it seriously last year.

>>29159294
It also isn't really scale-able because it's all dependent on a single supplier. I'm trying to milk it enough till I save £1m

Bloody lazy tossers, expecting even a house to be handed to you for nothing. Afraid to get your hands dirty working a full day? You 4chan lot spend the day playing video games and having a wank. Better the hard working Pakistani should inherit this country. You're a disgrace to Her Majesty.

>>29152273
Move to New Zealand

>>29157848
>At a certain point you just don't have any buyers left
Potentially, after the government finishes importing them from shitholes all over the world.

>>29160098
Fuck off, we're full.

>>29152861
Falkirk faggot

anyone here have any experience with new builds? specifically in london? I want to buy a 2 bed flat and can afford 350k in deposit + mortgage. The 40% extra deposit from the gubment is helpful but I don't want a deanobox

>>29161246
Would you buy a brand new Peugeot ? because that is exactly what you are doing.

>>29161390
No bc I live in london. I would buy a brand new racing bike though... although my second hand fixie works like a dream

>>29161246
>350k deposit

>>29160583
The housing situation is even worse in NZ

>>29160098
based

>>29161558
NZ is the billionaire bunker. All the rich people snapped up large parcels of land there like it was a game of hungry hungry hippos. They know the developed world is in for a happening and they're gonna ride it out on a comfy rock in the ocean. Allowing foreign nationals to buy property in our homelands was a huge mistake

>>29160098
>Better the hard working Pakistani
that was first Gen mate.
the feckless offspring all busy spending Gramps inheritance from working his corner shop 24/7 on riced BMWs and shit. And Gramps aint ded yet, still working the shop.

>>29161246
"new builds" aka dogshit are slapped together by drunk poles and you will have walls cracking and nonstop problems within a few years. Far better to buy land and get a reputable small builder who speaks english to build it for you.

Dead set on living in a city and trusting these big corporate firms? You are gonna pay the toll, e.g locked into paying for a worthless piece of shit praying you can unload it on some other retard.

>>29161917
>It wasn't a mistake, it was deliberate.

>>29161246

The missus is an architect and she always says that older properties have had all the kinks ironed out over the years by the occupants, very few new buildings no matter what or where go smoothly for the first 10 years

>>29162030
ahahahahahahaha fucking true

Can someone explain to me what is Shared Ownership and why it's bad/good? I tried to understand it, but it makes no sense. You pay rent AND mortgage at the same time? After you pay for the mortgage you continue to pay the "rent"?

>>29152273
I'm basically in the same position as you except younger. The housing market is fucked. Where I live you need at least 500k for something decent, and it seems that will soon cost closer to £750k. It's so demoralising, even for people who have made almost 6 figures from crypto.

>pull on my Clarks Beeswax desert boots, black rip-knee slim jeans, my white oxford shirt and cap it off with my green bomber jacket (size medium) from ASOS
>make sure X-Factor semis are set to record on the Sky+HD box before heading out
>lock the door of my 2-bed Barratt New Build behind me
>hop in the Audi A3 TDI 2.0 purchased on a finance agreement
>the missus gets in the passenger seat
>set off on our second trip to IKEA in 2 weeks
>have a wander round the aisles
>debate with the missus whether or not the MALM set of drawers we have in the lounge is too obviously from IKEA and if we should be shopping at somewhere like Oak Furniture Land these days instead now we can afford it after her promotion to Assistant Staff Call Co-ordinator at the call centre
>buy a new desk lamp and potted cactus near the end to have something to make the trip worth while
>grab a bag of mini Daims as well for when we're watching X-factor later
>drop the missus off home
>boost into town, pushing 40 in the freshly paved streets of my exclusive barrat estate because I know there's no cameras
>head over to Smithy's barbershop
>get my usual mates-rates weekly skin-tight-to-number-2 fade undercut from Smithster himself
>meet up with Callum and Deano in spoons and sink a few jars over the footie
>head to the toilet and take a snap of my new haircut with my dick out and send it to the 19-year-old I've been texting for the last 3 days
>head home in the car
>stop in at Raj Mahal's Curry House en route
>pick up a Jalfrezzi and a Korma with rice, poppadoms, tub of extra sauce, veggie pakora and a special nan
>get home, sit down with the missus to watch the X-Factor with the feet up
>wait for the missus to go to bed
>crank one out to some extremely overproduced Brazzers porn downloaded on my outdated BitTorrent client, addled with malware
>check my phone; 19-year-old has text me back a picture of her chebs
>forward it to Davo
>head upstairs
>slip in beside the missus in our comfy IKEA bed

>>29163408
The Jews won. Slavery was perfected. This is SLAVERY.

>>29163338
My understanding is you pay rent and mortgage and slowly overtime buy more ownership of your house
you pay 50/50 rent/mortgage

>>29152552
paki detected

>>29163475
At least slaves didn't have to pay £400k for a shitty 2 bedroom semi-detached house with a microscopic garden in street full of chavs.

>>29163338
It's a fucking ponzi scheme to keep the house market propped up. Once you've paid off your first mortgage it's very difficult to sell the equity or finance another mortgage. I suspect most people getting into these things are going to be raped hard when they all realise they haven't actually bought shit and can't sell off what they have.

>>29163338
most contracts will allow you to buy the rest of the house and the end of the first mortgage probably another mortgage. basically its for poor people who don't have deposits, for housing developers so they can sell houses quick and inflate the price, and banks who can make more off the interest,.

>>29163925
That would explain the prices... who the fuck allowed this?

>>29152273
British don't deserve houses

>>29154638
Good for businesses and that's about it.
It has towns that were made for tourists.
But the tourists stopped coming.

>>29152273
What is wrong with you, you massive giant POOF. Fellow bong here. I'm 33 and live in a comfy rural village. Dont pay rent cos I sublet a two rooms out to cute little university girls. They cover the rent I just pay the internet bill. Get welfare to pay my rent and I just put it in crypto every month. This been going on for about 8 years. Cure student girls come and go so never hard to find a tenant. Fucking retard go and enjoy yourself spend some money gamble your 80k fuck a slam pig suck a trannys cock. Sitting your mums back room crying about you want a 300k house lol to do WHAT ? Wheres your kids and wife ? Buy something rural look at church land for sale cam find some acres and a building that needs renovated for well under 80k. Get a grip man

>>29164005
>who the fuck allowed this?

>>29152552
>I bought my house from the council
Would a brit care to explain what "the council" is to an inquiring burger

anybody talking about a 30-40% correction dreaming

>>29157848
>>29163460

My mate isn't english but moved there and is basically a Deano now. Senior Manager in Accenture earning 6-figures likely in the north east and hasn't a fucking clue about technology.

This world is fucked unless low interest rates keep this ponzi scheme going.

>>29163338
>>29163338

Don't forget the £1500 per annum ground rent.

25% ownership is only $170k in Cambridge lads. Cheeky wee 2 bed flat in Trumpington you'd be rude not to.

>>29164228
A council house would be somewhat analogous to Section 8 housing, although with less blacks. It used to be that these homes were just for rent as affordable housuing, but Thatcher (?) made it so residents could eventually buy them.

>>29164151
This. OP is a whiny southern poof

>>29164228
Not a bong but I believe he's talking about what in financial terms is a "gibsmedat" of sorts.

>>29164280
aye, the housing market is the one thing the government will absolutely not let crash

>>29164151
PAKI there are no university girls who rent in a rural village in the UK. Bad larping.

>>29164005
Margaret Thatcher stopped public housing being built and it barely recovered, hey ho 40 years of incompetence and here we are

>>29164527

Loads of posh unis are in the countryside you fucking nonce. Don't go near those city-slags bro they're hyped up on mummy and daddy's lifestyle ands spoiled and the poor ones think their Art degree will make them a fortune.

>>29160098
>Pakistani
>hard working

>>29164701
>Loads of posh unis are in the countryside you fucking nonce.
Did a postgrad degree at Harper Adams, never thought I'd see a carpark full of Landrovers owned by freshers.

Can get a nice house in my area for 200-250k, not outlandish.
Have you mongs considered not living in the south?

>>29152273
Just leave the UK. We're mediocre at everything.
>want THE HUSTLE AND BUSTLE OF THE CITY
Prague or Berlin
>THE RVLLING GROEN FUELDS OF ANGLIA
Central Ireland
>THE GREEN FORESTS
Poland
>THE WHITE CLIFFS ABOVE THE MVJESTIC SEA
Portugal
>THE MVNTAINS
Slovakia
>THE DESERTED HVGHLVNDS
Australia

>tfw only need one 100x to afford a decent house

>>29164936
Yeah but then you have to live around jf’s, love the people here too much to ever live abroad

>>29160098
Pakis are lazy as fuck. I don't blame them though, they get paid more by the government than if they worked minimum wage jobs.

>>29160098
>pakis
>working

>>29164936
All of the EU locations you listed are inferior lmao

>>29164936
i tend to agree
>mediocre salaries
>mediocre healthcare
>mediocre to downright awful governments
>mediocre environment
>mediocre cities
>mediocre landmarks
>mediocre weather
>high cost of living
>high taxes
>questionable laws

it just sucks

>>29166342
>muh grass is greener

>>29166342
>>29166342

Why don't we do something about this?

Oh yea, because they've diluted democracy with pakis and emancipation so most voters vote for handouts which just stifles innovation and culture.

>>29152273
I'm in a similar position to you. I plan to buy a few acres of land fairly remote, put a caravan on it and spend years building a cabin/shack/house. I will keep people away by planing trees/hedges/other stuff around the border

>>29166544
the council will fuck you in the arse mate, at least get planning

>>29166342
You've described every "western" country

>move to london last year
>flat got broken into when i was at work
>landlord invites me over to her house over night until the new door to the garden is secured
>spend a night in her £1.2 million semi detached 3 bed
>insulation is shit, floors are creaky as fuck, plaster is cracked
>rooms are weird and cramped

Kept thinking to myself, why would you spend £1.2 million on a house like that. What's the fucking point? Am I insane? Why would you ever ever do it?

It's not like they were ancient boomers who bought when it was £150k or something either. They bought it for £900k with a fuck huge mortgage (she told me)

It just seems ridiculous to me. Especially now that remote working has became so popular WHY would you spend £1m?

>>29168212
don’t get it mate, mind you ive lived in the countryside my whole life and don’t plan on changing that
based herefordshire

>>29168212
PnD/greater fool? Status symbol? Blind conformity?

what would genuinely help low income first time buyers in this country? stamp duty and help to buy don't seem like they are worth anything to people working for less than 30k a year.

>>29168212
Its not like England is a nice place to live in either, everything is a dreary shithole and life is just a painful grind. Imagine looking at a pile of bald fat inbreds and suicide bombers every day!
I almost feel sorry for brits, but then I remember was born in Ireland where you can live an easy life no matter if you never worked a work a day in your life or have two braincells to rub together and can get a well paying job at some tax-dodging multinational with ease.

>>29168741
Subsidies only drive prices higher. Let's take an economics 101 approach: supply and demand. You reduce the price by increasing supply oand/r reducing demand.

>>29168771
Dublin seemed way more depressing than London to me tbqh.

The housing situation there is just as fucked but the weather is 10 times worse.

And at least London has a functioning public transport system, world class parks museums and that other mega city shite.

>>29168212

Basically they sell and cash out 300k.

Who is this man, really?

>>29169016
>>29169016

Yea wtf is going on in Dublin, are the salaries even decent or do you need to work in FAANG to make it?

>>29168946
>You reduce the price by increasing supply

you could allow buyers who earn under 50k a year to purchase and build upon agricultural land, or for builders to build on agricultural land if they only sell to people earning under 50k, with the caveat that they can't sell the home for a period of time, like ten years.

>>29169037
Sure, but how long can this lost.
It unironically reminds me of a P&D crypto scam. Can it just increase perpetually?

I guess so, considering we've had the biggest economic contraction in 300 years and housing GREW 10%

>>29152273
I'm in the same situation mate. My HDOL stack just hit $80,000 (BTC, ETH, SOME SHIT COINS, BNB IS GOING BERZERK YAH BOI) and I am debating whether to offload some to buy property in NE England since I live here and flats are £50k-£70K and houses £100k-£150k. I just don't want to offload a life time chance of my shit going to Million and a property just staying stable in price. I could just wait another 1 year and have enough saved from my slavery and do it this way OR do it now with crypto. BUT, house prices may keep going up next year. I would say 90% of people out there, like me and you, are thinking housing will drop this year. I would keep your crpyto until 2030. You will not have to work again.

The gamble right now is real.

>>29168771
pot meet kettle mate, we all have the same issues, ireland really needs to worry about the EU clamping down on the whole tax thing as well

>>29168741
The only thing that would genuinely have an impact on reducing prices for first time buyers is to tax the everliving fuck out of the boomers and pakis that have 20 houses, all either managed by deano cunt agency or paki slumlord. Close loopholes around LTD's owning them. Force them to sell and let the market do the rest.

This is never going to happen in the next 10 lifetimes because the ponzi is too strong, better have 0% interest but require 23 year olds to be earning £75k just to get a look in.

>>29169354
Did I die in my sleep and end up in Hell? I thought I was a nice person. This can't be real.

>>29169525
homeownership will just be a thing of the past for most people

>>29169333
Fucking sell right now. Look at the graphs. Look at the fucking graphs. It ALWAYS tanks after it goes pretty much vertical. Sell your shit now and you can always buy back in afterwards at a lower price.

>>29153052
To be fair, there's a certain something that's lost in translation to English from click-click-clack.

>>29169670
TBF that couple look like civilized nice people.

It's the uncivilized scumbags that need to die.

>>29152273
Just grab yourself a cushty 100 percent Mortgage for a Deano box and crack on with the crypto to pay it off longterm... or be trapped forever in the death pledge if you fail... the future is what you make it :)

OI LISTEN OI MATE OIM BRIISH SOD OFF YOU WANKER ABSOLUTE MELT

Lads, where rurally speaking isn’t a destitute bumblefuck hole, an old folks retirement home or a 1million+ country manor clique next to a Waitrose?

>>29164151
Fake

>>29169820
>It's the uncivilized scumbags that need to die.

So their children?
That's where the urban youf comes from.

Pretty sure one of them broke into my shitbox flat.

>>29169820
>TBF that couple look like civilized nice people.
They can be "civilized nice people" in their own country. Fuck off , rabbi.

>>29164151
>schizo low iq writing
>bennies leech
Those girls aren’t real, you live with your mum

>>29169848
maybe Worcestershire, nice countryside, but also got some decent towns like malvern and Birmingham is only 40mins

>>29169820
>civilized
Of course its an American
You would have thought they would have learned their lesson after their black experiment

>>29169670
Citizenship is a meme lmao, glad that absolutely no one will ever come to my shithole country and so it will stay white and inbred for the rest of time.

>>29169962
>their own country
Even better, Israel. When will a PoC overcome Israeli white privilege and become prime minister of Israel?

>>29169848
There is none. Try scotland, it seems like they screw people over less up there

>>29169685
Nah, no one is getting my stack. Even if 2017 happens again and we all loose 80%. After 4 years, my shit will be worth not just money, but my freedom.

4 YEAR CYCLES.
4 YEAR CYCLES.
4 YEAR CYCLES.
4 YEAR CYCLES.
4 YEAR CYCLES.

>>29155103
Prague is priced in, as is the entire eastern europe except ukraine and belarus.
Prague slowly reaches low-end JYC real estate price levels, though rent is cheap
Our real estet is over the moon, de to the fact we dont have niggers

>>29170670
If you believe in cycles why would you not sell now and then buy in again after it crashes. You sound like those guys still holding GME.

>>29171378
>we dont have niggers
But you will. It's the whole point of the EU.

>>29163460

kek

>>29171477
This picture.

As you can see, at some point in your life, all your HODL will be in profit and beyond.

It's easy, buy like crazy in the black dots on the stock to flow (I bought as much as I could before $10k). Don't listen to FUD. It is only the elites doing this to keep you from buying and allowing them to accumulate.

In b4 someone says about my activation key, fuck windows, fake fiat is BTC wealth building.

>>29152273
Move to Portugal if you want, 0% tax here and we have our strong historical alliance. But only if you're White, I don't want a nu-Brit coming here.

>>29172489
>>29172489

>0% tax
explain, unemployment doesn't count either retard.

>>29172489
What part of Portugal is best? Does it have a north-south divide by any chance?

>>29155103
Enjoy your 400k house on the outskirts of Prague bro

>>29157848
That’s why they’re shipping millions of Hong Kongers in anon

>>29164151
>miserly freak living alone on bennies for a decade
yeah you've got it made mate

>>29171702
It's unihnabitable here, half-life 2 tier of living.
All groids leave for germoney, they can't keep them in here.If you omit the nature, it's worse life than in africa

>>29163460
Kek this is my life

I love being deano

>>29169220
We don't really need to increase supply, we just need to kick out every scrounger immigrant and confiscate homes from scumlords owning entire streets.

>>29172280
How do I saw a graph like this? Need to know when the next black dots will be.

>>29168771
t.visited london once

>>29164151
based

So many obvious non british posters in this thread having a seethe. Why are they like this lads?

>>29152273
If you plan to say in the UK, never mind buy-a-fucking-house, then you are completely and totally insane

>>29173499
They have a vague sense that we're superior but they don't know how to articulate it so they simmer 'n' seethe. I always find it cute

>>29152273
Just buy a Barratt new build home lad

>>29152605
This system is too rigged to have a major correction.

>>29173499
>>29174355
I will become bri'ish.

>>29157848
the government and big housing will just come up with more and more stupid equity grinding schemes to ensure you're shackled to paying for a house for the rest of your life but still technically 'own' it.

Instead of 50% or 25% house ownership schemes they will come up with 12.5% , 10% , 5% ownership schemes. People will take out mortgages to pay for houses they do not own. When they get desperate they will give out 0% interest loans to new buyers in exchange for some retarded pre-requisite (have to buy new build, loan apr goes up after 5th year, etc etc)

our housing market is fucked but we will not get to reap the rewards of it being fucked (lowe house prices) because the housing companies and mortgage brokers dont want us to because if we reap the rewards they do not.

>>29152273
Same here bro, except I got 55K and I only make 25K a year. I’m 24 soon

I fucking hate the idea of owning a (((building))) but I also want a gaff to bring birds back to

I might kill my self though desu, I’ve had enough with life

>>29152273
Now that i am in my desktop here is the bong monetary base op.

Housing is not going up, your fiat currency is going down.

>>29163338
Pay rent and mortgage and ground rent and maybe a management fee

>>29172582
0% capital gains tax on crypto he means I think

I'm 26, live with my parents, earn under 20 grand a year and will do so until my Bitcoin is worth enough I can buy somewhere outright. That's my entire life plan

I moved to Bristol from up north and its so expensive, fucking hell lads dunno how these southerners put up with this

>>29175213
do you even know what m0 is?

>>29154503
>have shitty miserable job
>"hey i know!! I'll have some kids!"
How you manage to fail in a tutorial country that spoonfeeds you Universal credit and uni tuition is beyond me. Westerners are soft and will be dominated and replaced by big man slav.

>>29170076
>Birmingham is only 40mins
you say that as if it is a good thing

>>29152273
Can liv next t me if ya wont! Me n the Mrs got nu menu from the pakki shop! Proper lash! Come round n we'll play fifa

>>29152273
Rule Britannia
Britannia rule the waves

>>29175483
Yea it includes even qe in banks which eventually moves to assets, this is why bong assets stated to go up to repulsive levels after 2008 destroying a generation.

>>29175467

The place got ridiculously gentrified by Londoners/Home Counties types over the last 25 years or so hence the house prices and lack of Bristol accents in central areas

>>29152273
Shitposting aside, because this is an issue close to my heart, check out Avrame. They have bases in Estonia and the state of Washington.

>>29176234
That plus lots of solar on the roof hooked up to a Teslawall looks perfect desu

>>29176519
There's a 120 model that two people with "Intermediate skill" can assemble by themselves.
Typical build time is advertised at around 15 days.
This on an acre of land, a freedom garden with some chickens, ducks, and goats is made it tier.

UK is dead. Grow that money to million and move the fuck out. It's being run down by a cuck government who are only enriching their mates pockets while getting the country deeper into debt.

>>29176973
Link please anon?

>>29174816
kek that is what the banks thought during the housing bubble in 2008

>>29176973
>>29176234
Great until you get ratted out for not having planning permission and get forced to tear it down.

>>29152273
Get the fuck out of the UK or unironically become a /van man/.

>>29164228
The council is just the local government basically. If I remember correctly burgers pay federal and state tax? We pay normal income tax and council tax.

>>29152273
housing market is in a bubble mate, avoid purchasing until it pops or you will get fucking burned
never buy the top

>>29175562
I said paki shop in London, big mistake

>>29178121

>>29177804
Avrame.com

>>29177733
This is true UK is so dead, how about thailand anon you can retire with 200k and trade shitcoins

Imagine complaining about house prices being expensive because you are scared to move up Norf

>>29178657
looks miserable

>>29178657
you get ugly hoes up north.

>>29152552
Based