/biz/ - Business & Finance

fuming

>>55520896
there are not many things that i hate more than uk houses. 3rd world tier insulation.

>>55520896
>remortgage

Do Europoors really?

>>55520896
Reminder that UK cucks can't get fixed rate mortgages and the central bank can raise their interest even if they bought 5 years ago.

>>55520996
We do, but most banks only go upto 5yrs fixed.

Can anyone bring the Deano infographic? Deano are a fairly new British subgroup to me

>>55520931
Also known as refinancing in burgerland

>>55521051

>>55520996
Mutts have a socialist system to get 30 year fixed.
You can't handle the cost of capital.
You have to have government agencies set up to underwrite it all.
The risk is socialized.

>>55521051
when the image was created, it was hilariously absurd.
now, it's more of an oasis in a nightmare, a shadow of the prosperous past we used to live.

>>55521109
>>55521093
perfect thank you. What would be the American equivalent anyway?

>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 2016 BMW 535d 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 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 and slip in beside the missus in our comfy IKEA bed

>>55521168
>>55521109
I know a guy EXACTLY like this except he's a sales manager at a furniture store. Right down to the haircut, tats and the car he drives, kek.

>>55521153
Yuppies

>>55521153
The Uk has a TV show Love Island that featured a bunch of these dudes which started the meme. So the US equivalent would be Guidos and jersey shore back in the day

>>55521041
Are there permanent rate mortgages or not, Nigel
It is a simple question

>>55521201
I literally just answered it in the post you quoted, dumbfuck.

nandos will be bankrupt by december

>>55520926
Americans are just jealous of the brick housing.

Wait until you see what's going to happen to rentoids :^)

>>55521168
>outdated BitTorrent client, addled with malware

haha, what do you mean?

>>55521270
The whole east coast lives in brick houses anon...

>>55521201
They have fixed rate for up to 5 years, then you refinance at the current market rate for another 5. You do this until the principal is paid off.

Technically that closer to our 5/1 ARM that was common before 2008. USA is completely unique in our availability of 30 year fixed rate mortgages.

>>55520896
>hits 6.66%
absolutely satanic

If there is hope, wrote Chuddington, it lies in the Deanos. If there was hope, it must lie in the Deanos, because only there in those swarming spray tanned masses, 85 per cent of the population of the Barratt development, could the force to destroy the Pakis ever be generated.

>>55521153
I don't think we really have someone like deano in the US. to me deano is, happy, poor, overleveraged, middle/working class job, fit but trashy.
yuppies have good jobs and don't dress like chavs.
guido's dress like chavs and have shit jobs, but it's more like they just want to chill at the beach.
deano has much greater ambitions then guido's and he's overleveraged. it's just his ambition is pathetic, probably long term going from assistant sales targeting to ... sales targeting... one day.

>>55521093
is there a more intrinsically vulgar species than the angloid....

>>55521376
We do. He works in sales and does OK. He blasts rap music on his aftermarket sound system from his raised F-150. His girlfriend is Mexican.

His name is Brad.

>>55520996
>why yes, I love my tax dollars securing profit for jewish usurers from risky loans they make to nigger home owners, how could you tell?

>>55521460
that's a liberal redneck and he lives in a detached single family home in the suburbs.
he doesn't even look close to deano.

What's the going rate for a deanobox in essex these days?

>>55521534
In Essex you are probably talking half a million atleast

>>55521093
So how are deanos different from chavs?

>>55521562
they're not aggressive, or the A in chav.
they're really happy and content.

>>55521562
Chavs are lower class, deano is middle class he has a good job nice car and a deano box he has a mortgage on. Chavs don’t work take benefits and live in council houses

>>55521529
Yes, a new build cookie cutter suburban home with an HOA is the American equivalent of the Barratt estate.

>>55521546
3 quarters of a mil more like

>>55521617
if you go that lax on the similarities basically all mutts are deanos.
I disagree, but whatever.

>>55521562
they are chavs but grown up

>>55521640
The point is Deano and Brad are trashy but upwardly mobile. They are different flavors of the same type.

>>55521635
Oh it’s a major bubble, these rate rises are going to pop it but the bubble seems to be clinging on like a lump of shit tangled in your arse hair

>>55521270
Deanos aren't made of bricks

>>55521093
>>55521109
>>55521168
its strange how even with all this talk of deanos, they can only ever muster up one couple as an example, its almost as if deanos arent actually a thing and its a mashup of various british archetypes that isnt actually present in real life, strange also how deanos are only a thing on 4chan, leads me to believe the whole deano archetype is a half arsed psyop by some paki social engineering department intern at GCHQ.

>>55521746
There are millions of them retard.

>>55521093
>>55521153
This seems like they're culturally American i.e. consumers.

>>55521770
you've never left Chichester

>>55521617
british conditions are still slum tier, atleast in america when shtf you have a frontyard and a backyard for potatoes, there is actual grass

>>55521168
Is that
fake grass?

>>55522342
certainly, the british really believe that everything must be pavement and no natural life must be allowed to live

>>55521270
VGH THE BRVCK HVMES OF BRVTANNVA

>>55520896
Most people have fixed rate mortgages

>>55522519
Read the thread, fixed rate means 5yrs fixed for most bongs (same for most leafs and aussies)

>>55521746
who tf do you think is buying all these Barratt shitboxes and Audis on HP? Do you live in a basement, treehut indawoods or go around with a sack over your head?

>>55521689
Because we have 1m brownoids entering the country per year, and don't build anywhere near that amount of housing.

>>55522390
>already live in a depressing fucking country where that the sun avoids at all cost
>MASSIVE BRICK STRUCTURE
>tiny ass pathetic windows
Why?
Do the British hate light so much?

>>55522519
mortgages are only 'fixed' for a period (in Bong) not the duration - its not so much 'remortgaging/refinancing' as a (non-optional) watching your exisiting mortgage payment increase by 30-50% because interest rates went up by 3% since you took it out. A factor nobody took into account at the time, obv. Its like sitting in a tunnel, watching the light at the end come charging towards you. About to fucking flatten you, but, you cant move.

>>55522390
Lol - how does that even pass inspection? There's supposed to be a minimum amount of windows.

>>55522362
I hate fake grass so much. Please don't tell me it's a British thing? I thought it was just a retard thing

>>55523412
Got to avoid window tax.

>>55523428
A lot of the houses they throw up have it because the garden size is pathetic, and they CBA to lay proper turf.

>>55520896
>6.66%

So are we going to discuss the impact of the interest rate or just educate the ignorant Americans who refuse to use a search engine?

>>55521562
CHAV = Council House And Violence

>>55521597
>middle class

>>55521336
>USA is completely unique in our availability of 30 year fixed rate mortgages.

Do Americans really think like this? How bizarre.

>>55520896
>6.66

>>55520896
That's bang outta order mate

>>55520896
>6.66%
We really are living in the end times aren't we. Is this a sign that the anti-Christ is among us?

>Deanobox
Wtf is a Deanobox, is that the Bong equivalent to an American/Canadian soulless, lifeless suburb with cookie cutter housing?

>>55523382
>Do the British hate light so much?
It's the opposite, fewer windows means they can pretend it's sunny out even though 99% of the time it's overcast.

>>55523412
>There's supposed to be a minimum amount of windows.
What kind of authoritarian hellscape is the UK becoming?? Inspections are supposed to be about structural safety and following safety codes, not about whether you're getting enough loight.

>>55523786
Huh. That makes sense

My boomer mum keeps pestering me to get a mortgage.
>Spending money on rent is just dead money
Housefags act like a house is a disposable asset that you can make a load of money on when in reality the only way to make money is to significantly downsize on your next house or become a rentoid again

>>55523863
Yes, it's still generally cheaper than renting long term though.

Also when you're old, you can sell up and rent, for retirement income.

>>55521093
You guys seem a bit jealous of these Deano lads desu. They sound like they have it made. Decent car, decent bird, a mortgage etc. Can the same be said for deviants on 4chan who fap to pictures of anime girls and fly to Asia to coom cause they can't get a bird in their own country?

>>55522390
>Window DLC downloadable extra $100k
is this even real life?

>>55523892
>Decent car, decent bird, a mortgage etc.
Car - its more or less rented form the dealership.
Until you miss a payement, picrel.
mortgage - this thread. As noted, a 3% increase in interest rates can mean 30-50% larger monthly payment. The house is also more or less rented from the bank, until you miss, etc.
Bird - the life of the Deano is precariously balnced, financially speaking. And when pain arrives, the bird is often first to fly the about-to-be-repoed nest. The tidier, the quicker.
tldr, Deano's is 'doing well, on the flash surface of it' kinda life. But it can go all go very pear-shaped, very fucking rapid. As they are about to find out.

>>55521495
Low rates are cancer

>>55523863
Brits don't want to own a business, they lust to be a landlord leech

>>55521093
they look happy with their lot in life
that is about as much as one can hope to achieve in ones life, no?

>>55524738
It’s all on the never never and financed. Which only worked when interest rates were historically low.

>>55520896
OH WOW THE RATE IS HIGH LOOK GUYS!!!
>meanwhile economy go brrrr

>>55521195
only way is essex has featured deanos for over 10 years
>>55521270
bricks are nice, that style of soulless bleak barrat/taylor wimpey tiny homes is awful, I actually prefer the working class terraces built like 100 years ago

>>55522390
>ugh the bruck humes of brutannua

>>55524058
All fur coat, no knickers, as we say.

>>55521093
>The fat ass in the center
I think I get Deanos

>>55524058
Gonna put this beauty on finance lads.

Only 20% APR and £10k downpayment ahaha

Why is UK such an ugly shithole filled with retarded inbred people?

>>55525369
We're tired and old and just want to be left alone, but our egotistical and corrupt politicians keep pretending we are global players and keeping fucking everything up.

>>55525384
Nooooooo we have to import le nigerinooos to make line go up.

>>55525369
we obviously did something very wrong in a past life

>>55521495
People are able to complete their payment terms when banks don't manufacture asset bubbles and crashes and the associated inflation that curiously never abates.

>>55521617
It's so weird to me how 3k sq ft houses today are the same size as the 2k sq ft house I grew up in.

>>55525369
>Why is UK such an ugly shithole filled with retarded inbred people?
To be fair it does feel like a really poor country in certain areas. Anywhere Northwest all the cities like Leeds, Manchester, Liverpool etc are just shitholes with grey empty buildings since Covid. Some places feel like third world countries when you go to the outskirts of the city where all the council estates are.

>>55525369
Because it always was
The only time they've ever been able to accomplish anything was by stealing someone elses hard work.

>>55521679
Being trashy and upwardly mobile are mutually exclusive. Also Brad has nothing to do with economic status, it's a sexual marketplace term for a reliably available white man who isn't particularly attractive but is willing to be a financial provider in exchange for a relationship.

>>55525472
>Leeds, Manchester, Liverpool
I was born in one of these cities, and live in one of them.

REEEEEEEEEEEEEE

>>55525602
>I was born in one of these cities, and live in one of them.
Could be worse. Northwestern cities are at least Paki / Nig free. The same can't be said for places like Bradford or Londonistan

>>55525472
I don't get why almost all housing and commercial buildings have to look so ugly.

>>55525720
So they can cheap out on costs and make more profit margins. Also to demoralise the goyim.

>>55521086

Why would you refinance to a higher rate tho?

If your locked in...your fine. Rates coyld go to 100%..doesnt effect me bcuz mine is 1.7%

>>55520896
6.66% - the interest rate of The Beast!

I always knew there was something satanic about real estate.

>>55525369
Blood sins and cursed objects stolen from tombs

>>55525817
Because the deal only lasts for 5yrs, and after that it reverts to a high SVR rate.

>>55525839
maybe 5 years. the term of the fixed rate can vary.

>>55525618
You have to go back.

>>55525384
> The special relationship
USA president shits in our prime minister's mouth
> The respect cuts both ways

>>55520931
Uh, amerigoys love doing that and they call it refinancing

Are these non-insulated? I have a feeling that all of these houses are full of black mold.

>>55520926
Deanoboxes (townhomes?) are all homebuilders are willing to build in america right now. The most cost effective thing to build and they try selling it for just under the cost of a single family home. Deanoboxes are going to be the new normal in america too.

>>55526383
They're fine if they're built as part of a mixed-use community that intends to be serviced primarily by public transit (and is therefore not surrounded by a small sea of parking lot), but that seems to rarely happen.

>>55526383
Any example of a typical Deanobox? Are they semi-detached?

>>55523428
britain has a much more limited living space than the united states, there was much more "efficient" use of the space, for company workers etc

now that the entire system is collapsing it's a slum hellhole

>>55523770
atleast we have yards when the bombs drop, british housing is dystopian

>>55525618
>nig free
Liverpool’s toxteth riots were 42 years ago my dude
bindippers and nogs is all there is there

>>55520926
>insulation
most homes in america and literally 90% of americans dont even know what that is.
most homes being built this year havent gotten any advancement in building design since 1990
this world needs to die.

>>55521168
What race is she?

>>55527567
she's plastic

>>55521168
>missus has been shagging the young 20 year old neighbour the entire time.

Honestly wish I was a happy deano, with gf and mates, who gets genuinely excited about football, and who is oblivious to his financial situation.

>>55521270
>Americans are just jealous of the brick housing.
Indeed.

>>55527567
>What race is she?
Ayyyy Lmao

>>55520926
>Insulation
We haven't even had a harsh winter for about 10 years and they're getting warmer every year.

>>55522342
oi mate, you havin a laff?
you think i can fford ta buy that loicesne now do ya?
wa'tin lawns is a serious profession

mate im so demoralised ahaha xoxo

>>55521168
Her lips look ridiculous

>>55521093
kek @ pic

>>55523412
Do you have any idea how much window licenses cost? Better to just brick it over.

>>55520896
>6,66
Hell confirmed.

>>55528610
yeah, just keep cranking up the A/C when the heat and humidity seeps in. you can afford it

>>55521093
>>55521109
Why is Deano posting so mesmerizing?

>>55527597
PoP (People of Petroleum)

>>55522312
Lost at Paki Boss reg plate

>>55521776
They are. Much of the UK laptop class is americanised

>>55523428
Only in newbuild estates

bump

>>55531796
In NZ and Australia too. Makes sense as some property have maybe a 4 by 5 ft 'green' space, and who the fuck wants to have a lawn mower for that.

>>55533482
>maybe a 4 by 5 ft 'green' space, and who the fuck wants to have a lawn mower for that
so you'd rather have a plastic rug?
our mistake wasn't in deporting your forefathers
it was in not executing them.