What the FUCK Do We Do In This Housing Market?

[Anonymous No.26132940]

Prices just keep going up. Getting outbid on every home and I'm sick of it. Any Anons recently buy a house? Is it a better play to just wait several months to a year? Seems like the bubble won't pop anytime soon.

What's the play?

[Anonymous No.26132979]

not again

[Anonymous No.26133010]

>>26132940
Canadafag here.

It's honestly fucking hopeless.

Piece of shit detached houses in the middle of nowhere have passed $1.5M and half decent ones are almost $3M now. It's completely fucking insane and its skyrocketing. If you dont have a house by now you never will.

[Anonymous No.26133019]

Depends, where are you trying to buy?

[Anonymous No.26133060]

Wait. For. Evictions.

[Anonymous No.26133066]

>>26132940
I got outbid on 4 houses before I switched realtors and got presold a house. I suggest you do the same, anon.

[Anonymous No.26133084]

>>26132940
sage

[Anonymous No.26133087]

>>26132940
Houses will only keep going up. Every person with a butthole wants to buy a house now because bank are giving out cheap loans. Learn to play the game or you'll get left in the dust.

[Anonymous No.26133098]

either move somewhere where they don't inflate the currency to sustain the market at any cost, buy a house you can afford and sell it before the crash or embrace the great reset and own nothing

[Anonymous No.26133125]

>>26132940
I honestly think renting is the right move right now (for me). I've owned 2 properties in the past - both of which I put 20% down on, renovated, and made money on the sale. Real estate feels really frothy and lending standards are still too lax (although tightening, slightly).

I'm going to rent for at least another year and re-assess after that.

[Anonymous No.26133236]

>>26133010
Had the option to relocate to our Toronto location. I really feel for you Canadacucks. Holy fuck, you'd have to make it 3 times just to get a fucking shack around there.

Condos out there are insane as well.
>>26133019
Weighing options since I'll be WFH for a while longer and have the ability to move to a different office when I go back.
Looking at Vegas or Oregon on the west coast. AZ home prices are fucking retarded. East Coast I'm still researching but its not much better.
>>26133060
When is that happening? Keep hearing different things but I'm hoping for Spring at the latest.
>>26133066
Congrats, Anon. How smooth was the process? I need to do my research on resold homes.
>>26133084
Fuck off, retard. This is a legit thread.
>>26132979
I might post more later, but I want the thread to not be shit, so maybe when it slows down.

[Anonymous No.26133299]

Moar or name?

[Anonymous No.26133303]

>>26133236
Wait for evictions and foreclosures. Nobody right now wants to sell their house and the banks aren't forcing them to leave so there is very little on the market. Also house prices won't drop as much as you think they will - the Fed has printed trillions and trillions of dollars which is going into the stock market and people are cashing out for houses so the inflation is going into real estate. Evictions will probably resume when COVID is finally over.

[Anonymous No.26133326]

That's a man

[Anonymous No.26133429]

>>26133303
I agree with this, if you don’t absolutely need to buy I would wait out covid and wait for the economy to bounce back. Price will probably still rise but at least you’ll have more options.

[Anonymous No.26133433]

>>26133236
I had a a realtor who I thought sucked so I got a new one. My new realtor got a house for me because his agency was the listing agent for a home coming up for sale and I basically got my house presold to me No-bid. Just put in an offer like 5k over listing meanwhile every other house gets like 30k over listing in my area.

[Anonymous No.26133483]

Biden will fuck up the economy and the housing bubble will pop. Wait 3 years anon.

[Anonymous No.26133533]

>>26132940
Someone explain to me why the fuck I shouldn't find a decent plot of land on the periphery of a city and just build. Why the hell wouldn't this be better and/or cheaper than buying some boomer fuckers renovated and overpriced shitbox?

[Anonymous No.26133581]

>>26133533
Because building codes are a bitch and most areas have laws to discourage doing this, unfortunately

[Anonymous No.26133610]

>>26133533
building a house is more expensive than buying one, it's a multi-year process and you'll have a hard time finding a builder for smaller homes (since they're all busy shitting out cookie cutters in suburbs). It's a huge timesink and will not be cheaper (the land loan alone will rape you with interest because they're a higher risk loan).

[Anonymous No.26133638]

>>26133533
Unless you have experience building houses or dealing with the process of getting permits, etc. I’m not so sure you’d come out ahead financially.

[Anonymous No.26133681]

>>26133581
>>26133610
>>26133638
thank god we have all this regulation to stifle development of housing. I fucking hate the government and all these boomer assholes

[Anonymous No.26133699]

>>26133303
>Evictions will probably resume when COVID is finally over
We will be dealing with COVID for the next several years or we all get Bell's Palsy from the vacc. FUCK
>>26133326
No its not, faggot. Pic related, youll never be a woman.
>>26133433
Congrats again, Anon and thanks for the advice. Going to look into this right away.
>>26133483
>Wait 3 years anon.
FUCK. I'm prepared to wait but 3 years? You pull that number out of your ass or do you have some sauce to back that up? Im a real estate noob.

[Anonymous No.26133707]

>>26133299
generic chinese slut#9999

[Anonymous No.26133754]

>>26133681
I’m going to try my hardest to never buy property from a boomer, you’re not cashing out through me

[Anonymous No.26133770]

>>26132940
We're all going to end up in the camps and die for Jesus

[Anonymous No.26133811]

>>26133699
god fucking damn why are asians so hot i just want to bend her over and rape her cunt

[Anonymous No.26133907]

>>26133811
Me too fren me too

[Anonymous No.26133961]

>>26133707
>generic
>>26133811
>god fucking damn why are asians so hot

Lol

[Anonymous No.26134039]

>>26132940
I just spent a pitiful evening searching for land in the south east of england with a £200,000 budget and a 40 mile radius every direction from my house. Barely anything I can build property on wtf..

[Anonymous No.26134126]

>>26133961
He said generic but it’s not a sleight towards Asian women they are just much hotter, tighter, and slimmer on average than western pig dog women

[Anonymous No.26134232]

>>26134126
Fat white women are hotter than your chink dogs.

[Anonymous No.26134277]

Houses are cheap if you want to live in the middle of nowhere. You better hope you can get good internet and have a safe permanent WFH job tho

[Anonymous No.26134297]

>>26132940

[Anonymous No.26134335]

please post more chink sluts

[Anonymous No.26134408]

>>26134039
Good luck with the search. That’s pretty wild.
>>26134277
Isn’t going full rural the new housing fad? Houses a good 25-40 miles out of cities are about just as bad in Ameristan.
>>26134297
These penis pepe memes are starting to get out of hand

[Anonymous No.26134437]

>>26132940
Already own one in a city that's growing lmao

[Anonymous No.26134442]

>>26132940
I bought a house, I'm comfy.
I'll buy rent houses with my shitcoin earnings when this bull run tops out

[Anonymous No.26134457]

>>26133533
lumber is like 2x from 2019. maybe more at this point. (haven't looked in awhile)

[Anonymous No.26134551]

>>26134232
No sorry. The hottest white women are indeed hotter than the hottest Asian women but a women being pig fat disgusting lowers her worth tremendously and most white women fall into this category. Due to the pitiful state of western women the actually attractive ones are extremely scare to the point you are priced out so to speak or they are straight up jail bait because their bodies haven’t been ravaged by the poisonous western society yet, so they are also off the table. Whereas you can go to Asia you have easy access to slim beautiful feminine Asian women at every avenue.

[Anonymous No.26134554]

>>26134297
dis
gusting

[Anonymous No.26134619]

>>26134335
When the post reply slows down I will most likely. Until then I’m trying to keep this a relevant discussion and not a coomer convention. I have plenty of Asian thots though.

[Anonymous No.26134712]

>>26134442
>>26134437
Congrats Anons. Maybe us homelets will have our time soon.

[Anonymous No.26134719]

>>26133638
>>26133610
>>26133581
That’s not accurate in many cases. I am building a home in Texas and using a home builder. We are in a planned community with homes in the $500k-$1.5M range but ours is much less than that. (300s). Everything is modern, up to code, and designed flawlessly. That being said, it really depends on the area. In some areas you’d be better off just buying and renovating. Property taxes are insane though, $6k-$7k/year

[Anonymous No.26134825]

sir how much iexec do i need to buy a small cabin in small town bc and run high speed low drag internet to it and get a horse and larp as red dead with my guns while daytrading the 15m boomercoin chart thanks

[Anonymous No.26134837]

>>26134719
>That’s not accurate in many cases.
>I am building a home in Texas
>That being said, it really depends on the area.
Thanks Tex

[Anonymous No.26134840]

We should all show up to open house viewings in our best suits and casually talk loudly amongst the panicked normies about offering 30% over asking price for the property. Need to accelerate this bubble into hyperFOMO.

[Anonymous No.26134861]

>>26134335
I probably will when the thread dies. Keeping it relevant right now.

[Anonymous No.26134911]

Is there anything better on this entire earth that's better than Asian girl feet? name ONE thing.

[Anonymous No.26134949]

>>26134712
I'm in the same boat anon. I've done very well with crypto and debating on house now. I am really beginning to doubt there will be a crash especially when it comes to nice homes in nice areas.
Still working on talking to lenders, but doubtful I qualify for much of a loan. So I would need to pay out of pocket.
Possibly considering putting 20% of my crypto towards a home. I am literally all in though so derisking might feel comfy.

[Anonymous No.26134996]

I sort of stumbled into luck buying my first house. Bought in Central valley in ca off my landlord for a great price. Over 2 years it increased in value about 100k. Sold about 15k over asking price too right when covid started. Bought a new place in North Bay right when people were panic selling their houses. New place has already shot up in value due to city fags trying to move to the suburbs.

Ultimately look for a place thats affordable but not curently as desirable. Literally will only go up in value. Small starter homes are great. Rent out a room if you have to.

[Anonymous No.26135039]

>>26134911
You disgusting pleb. As a true connoisseur I am here to inform you that Asian girls nipples are better.

[Anonymous No.26135107]

>>26132940
I don't think the bubble will pop any time soon despite all the wannabe nostrodamuses saying otherwise.
I was like you OP, everything I wanted became a bidding war and I could not keep up. Eventually my real estate agent found a house that the seller had not listed yet. We met him and made a verbal agreement. He listed and then immediately sold to us without looking at other offers. In short, I got really lucky.

[Anonymous No.26135234]

Idk about you fags, but I’m going van chad

>no rent
>no property taxes
>nothing tying you down to any location
>bitches think you’re a free spirit and suck on sight

[Anonymous No.26135279]

>>26133060
Biden is pushing that shit at least all the way through his presidency

[Anonymous No.26135329]

>>26135107
I did the exact same shit. Florida?

[Anonymous No.26135352]

>>26134840
kek

[Anonymous No.26135396]

>>26133326
Pottery

[Anonymous No.26135450]

>>26132940
Take the vanpill

[Anonymous No.26135459]

>>26134949
Grats on the gains and good luck Anon. I made a good bit off BTC and TSLA, so I'm in the same boat on trying to cashout a bit and get a home. With you on thinking this bubble popping is shite too.

>>26135234
You really can pull off getting laid taking them back to a van? I know youre LARPing, but walk me through that process.

[Anonymous No.26135462]

>>26135279
In NYC properties are more expensive during the lock downs than they were before Covid.

[Anonymous No.26135524]

>>26134911
Theres no feet in any of the pics I posted. I'll post another of her if you coomers settle down.

[Anonymous No.26135599]

Shits about to blow
Everything is being foreclosed
Btc peaked
Dow peaked

[Anonymous No.26135739]

>>26133010
Spainfag here. 700k€ for a nice, moderately modern house 45 minutes away from Barcelona.

Get ready to pay 1-2 million € if you want them on a nice spot next to Barcelona.

Then, you may find a decent one for like 400k€ 3 fucking hours away.

>Tfw I need 1 million€ to have the house I like

What the fuck can be done? I only have 150k€ saved. What suicide gamble do I need to take to x10 it? fucking hell

[Anonymous No.26135977]

>>26135459
I've done it multiple times, anon. It's easier than you'd think. Just tell girls youre traveling the country and that you built your own camper van. You wont pull the bougee girls ofc but a lot of them will think your lifestyle is cool as hell.

[Anonymous No.26136010]

>>26135739
We're getting rekt all over the fucking world. Legit we have several Anons in different countries getting fucked by this housing market.
>>26135599
I'm losing hope. The writing has been on the wall but prices just keep going up.

[Anonymous No.26136110]

>>26133125
>lending standards are tightening
0% reserve requirement. Everyone and their grandma is leveraging themselves to the hilt.

[Anonymous No.26136449]

>>26132940
bought a house in 2015 for ~$290k. about an hour outside NYC. sold it right before COVID for $350k and with no broker fee. thought i sold the top. last time i checked, it's estimated on zillow at like $420k. ridiculous, it's a tiny old house. i will live in a prefab box for $50k before i buy back into this unbelievably inflated market.

[Anonymous No.26136537]

>>26136010
The most realistic house that's decent that I could buy is around 350k€ and its so fucking far from Barcelona, 3 hours in a train, holy shit.

And I would have 0 liquidity because im too paranoid to get a mortgage, so I would go all in and buy it, no fucking way I get a mortgage.

So what's the point? I either buy a 300k house that's rather old and very far from BCN (away from family, all the nice restaurants, places to visit, pretty much any resource you would need, escorts, etc) or I get a mortgage for a 800k € house which I doubt i'll get since I make money online and it's too risky even if I was able to get it, if that stopped giving me money or I started making less because it fluctuates I would be on suicide watch, let alone if I had a mortgage.

I just see myself keep living with my mom while I save 100% of what I do since with covid I basically havent gone out in a year.

The only realistic chance I can make 800k€ is if I get a massive fucking gamble, like going all in on BTC and it going to 200k, or buying 145k worth of LINK (8000 right now) and it going to 100€, both kinda retarded out of the aspie predictions

[Anonymous No.26136608]

>>26132940
So no matter how much murica gets FUD'd, the price continues to go up? lol

[Anonymous No.26136633]

>>26136537
ALSO: If I buy a house 2 or 3 hours away from Barcelona, how the fuck im supposed to sell it? most likely no one wants to buy these houses, so you would be left with some iliquid asset, very hard to sell, may take years to find a buyer that doesn't want a 50% discount on the price you list it at.

[Anonymous No.26136669]

>>26136633
Just get a mortgage like a normal person senpai

[Anonymous No.26136798]

>>26133699
It takes about three years to fully feel the effect of an out of control judicial, legislative and executive branch. They will try to prop it all up by printing and so on, but the taxes and regulation will fuck the rich which will trickle down to the working class. This happened with Obama and the fucking sheep doubled down. In three years the housing market will have hit rock bottom. Mark my words... Niggers tongue my anus.

[Anonymous No.26136921]

Are there any major downsides to buying a house with a FHA loan and only putting 3.5% down? I have excellent credit with zero debt.

[Anonymous No.26136992]

>>26132940
Bought a nice house in december
based USDA loan, no down payment and no closing costs. Actually got $250 check at end of closing, put it all in ALGO

[Anonymous No.26137228]

>>26136921
Yea, PMI which you will need to refinance to get rid of once you have >20% equity

[Anonymous No.26137349]

>still no sauce or more

[Anonymous No.26137638]

>>26136669
>just get a mortgage and gamble your sanity away as it's impossible to know if you will or not have income to pay said mortgage a year from now
This is why banks make so much money.

[Anonymous No.26137695]

>>26132940

Everyone said it was going to pop in 2014, then 2017, then 2020...

[Anonymous No.26137741]

>>26135459

>Put old surfboard in van

problem solved

[Anonymous No.26137786]

>>26136798
Is this bullish for LINK?

BTC is too pumped to get rich from now.

If LINK goes to 100€ I could have 800k if I went all in right now. SUICIDE stack.

With BTC, if I went in right now, it only buys me 5 BTC. Say aspie predictions become true and itgoes to 100k... only 500k€

Fuck this hellhole. I just can't get in on something early that becomes a success.

[Anonymous No.26137797]

>>26133699
i just finished the last one

[Anonymous No.26137843]

>>26132940
So right now it depends on where you're looking. Geography is incredibly important at this point in time due to covid, shits done changed. Example: Pennsylvania real estate has increased roughly 10% I would say as a conservative estimate in 9 months on average. In some areas I have looked, housing prices have literally doubled (yep, doubled.) New York is literally just dumping - its evacing all over the east coast down to Florida.

Point is, if you can be flexibile, try looking a little bit further outside your target area. Commute a bit longer to work. Or, buy land and build. Cost for new construction is not bad compared to paying for some of these existing homes, depending on where you're at.

Geographic 'bubbles' will pop as cities like NY return to "normal" and a significant portion of their population moves back after realizing they don't like rural folks.

TLDR: Maybe your geographic target area is too small, branch out, possibly build instead of renting time permitting. This bubble ain't going no where in some areas, price increase semi-permanent as the jobs move due to covid.

[Anonymous No.26137865]

>Biden's Recovery Plan Would Extend the Federal Government's Extraordinary Eviction Ban Through September 2021

[Anonymous No.26137920]

>>26132940
How much Suterusu does this AZN hold for the SUTERshield launch?

[Anonymous No.26138181]

>>26135977
That’s pretty based.
>>26137638
Thinking the same but at this point I don’t mind being a mortgage cuck. I just want a nice damn house to call my own.
>>26137695
Exactly.
>>26137797
>>26137349
What exactly do you coomers want to see? I wouldn’t mind dumping a bunch of thots when the thread is dead.
>>26137843
Good post. Appreciate it, Anon.

[Anonymous No.26138204]

>>26137786
Everything in crypto is too pumped to get money from. The only option you have is VTI or a similar ETF where you can get 8% a year. All stocks, crypto, and metal in the world stopped existing because btc went up a small amount this year.

[Anonymous No.26138246]

I offered 20k above asking, asked for multiple extensions during the buy, and then when they had a week left before moving I said I could only pay what in appraised for. Basically knocked 15k off just like that.

[Anonymous No.26138462]

>>26133010

[Anonymous No.26138550]

>>26138246
Holy based. That’s pretty ingenious Anon.

[Anonymous No.26138752]

I WANT LAND DAMN IT. LAAAAAAND.

[Anonymous No.26139037]

>>26138752
About to say fuck it and slap a double wide on a few acres.

[Anonymous No.26139080]

>>26139037
Do it. Keeps your costs low and keep investing, though. Eventually you can replace the trailer with a stick build or sell the land and move elsewhere.

[Anonymous No.26139117]

>>26139037
I just bought a double wide on 25 acres.

[Anonymous No.26139284]

I just want an acre of forestland and a pre-fab A-frame house bros. I can't even move out of my parents place at 30 into a studio because studio's that aren't total poverty tier are 1200+ in New England. Where the fuck do I move to?

[Anonymous No.26139306]

>>26133533
if you're in canada you get taxed twice as much if you try to build your own house

[Anonymous No.26139371]

>>26139080
I like the idea honestly. Something you're considering as well?

>>26139117
Based. That sounds a shit load better than just buying a house on the market in a congested neighborhood, dealing with HoA and other bullshit.

[Anonymous No.26139447]

>>26139284
what's the appeal/benefit of A-frames? or is it just aesthetic preference? I guess that looks cheap.

[Anonymous No.26139500]

>>26139447

Personally I think it's just more interesting visually, and I bet it insulates better than a normally shaped home.

[Anonymous No.26139509]

>>26133010
move out to the country outside of a big city. no niggers, no pajeets no indians. and you get a big lot and house. live the small town life like true canadian. changouver and niggerronto faggots need not apply

[Anonymous No.26139824]

>>26133010

[Anonymous No.26140509]

Was looking for a house in Portland, OR last year. Bought the only 300k house that wasn’t a piece of shit. The owner was a jackass and ripped out some cabinets before I moved in (thats against the contract and technically criminal mischief as well). Sued him and won $2k plus lawyer fees in a long goofy legal battle. House has appreciated $40k in one year.

[Anonymous No.26140560]

>>26140509
>$2k plus lawyer fees
Barely even seems worth it aside from the satisfaction of getting even. Good to hear about the home appreciation though. Hopefully antifa doesn't burn it.

[Anonymous No.26140570]

If you want to buy a plot of land, there are manufactured home companies that will finance a one of their houses for you once you hold the land. Financing is the tricky part if you are trying to build without cash.

[Anonymous No.26140711]

>>26140509
Based. You got really lucky on the find. I've been looking around the West Linn, OR area for several months now.

[Anonymous No.26140713]

>>26140560
Yeah it was indeed barely worth it. We could have gone all the way to trial and won $6k- had the dude dead to rights but I was just bored with the whole thing after almost a year. Initially, I had just sued him in small claims court. There should be no lawyers in small claims, but he made a frivolous claim counter claim against me which alleged damages in excess of the small claims limits. This resulted in the case moving to circuit court (which was his intent) thus allowing him to lawyer up.

[Anonymous No.26140823]

Pretty good thread, since its slowing down I'll take a few thot requests, as promised. Have every race, just keep it board friendly.

[Anonymous No.26140832]

>>26140711
Thanks - West Linn is cool. I couldn’t find anything under 360k out there. Washington is cool, but no way I could deal with the bridge commute. If I knew covid was going to make my job remote, I’d have gone further out of Portland.

[Anonymous No.26140900]

maybe it's not houses going up, maybe it's money going down, maybe it's going down because there's so many billionaires who made it out of thin air

[Anonymous No.26140951]

>>26140832
West Linn is hell. I cant find anything worth a shit around $400-$450k that I wasn't instantly outbid on by like $10-20k. I've been seething for months now kek.

Congrats on your find though. How do you like it out there?

[Anonymous No.26141200]

>>26136633
so you get a 50% discount right now?

[Anonymous No.26141926]

>>26140951
It’s cool - I liked it a lot better before covid, but can’t complain. Close enough to everything I want to do and the neighborhood is improving pretty fast. New neighbors moving in with Mercedes / BMWs. Far from any anfifa bs. one weird thing is stolen cars getting dumped. I can’t figure it out. I’ve seen more stolen cars dumped here in a year than i’ve seen in the rest of my life combined.

[Anonymous No.26141984]

>>26138246
if i was the seller i would have shot you for these nigger jew tactics
literally no actual white person would do this

[Anonymous No.26142055]

Texas seems to have good prices. My standards arent high though, ill be fine with any home outside of a niggerville, even a mexican neighborhood is cool with me. I got about 130k in crypto right now. Cashing out at 200k.

I also only need 2 bedrooms and 1 bathroom, so again, my standards arent high

[Anonymous No.26142176]

>>26132940
Underwrite 100+ homes in areas you want to live in and offer 70% of what they are worth. Then move to 75%, 80% until you get an offer accepted.

Don't pay attention to listing prices. A lot of people and even realtors are bad at pricing homes.

Focus on comps, price/rental income ratios, and adjust based on market conditions.

Every professional basically takes this approach. For every 50 offers I send I close on one property. I've had a lot of sucess building equity/rental income w/ this strategy. Don't get caught in the emotional stuff, its a numbers game. GL

[Anonymous No.26142628]

>>26142176
Thanks a lot, Anon. Really appreciated and I hope you make it.

[Anonymous No.26142782]

>>26139447
1. Extremely cheap to build
2. Shed snow easily
3. Easy to insulate
4. Comfy as fuck

[Anonymous No.26142814]

>>26139447
>>26139500

They are easy to build and don't hold snow on the roof. That's the only benefit. When you go inside one and realize how much space is lost to the lack of vertical walls, you will regret investing in one.

[Anonymous No.26143178]

>>26140823
BOOBA

[Anonymous No.26143194]

>>26141984
Fuck off polcel brainlet. We all know your "morals" do not even exist.

[Anonymous No.26143284]

>>26138181
dump more of the one you just posted, and also gib sauce

[Anonymous No.26143288]

>>26132940
Building a house, in Australia. 230k for 315m2 land 220k for 4 bed 3 bath with double garage and theater room. All mod cons turn key total 450k took out a 330k loan with 55k government building and first homer grants as well. All in aussie dollars. Bought bottom of market and house prices raising and little to no rentals atm.

Bought in a city close to airport public transport and 30 mins to cbd via car and 20 mins via train. Lots of jobs here.

[Anonymous No.26143310]

>>26133699
>>26143284
I mean more of this man

[Anonymous No.26143317]

>>26143288
2bath edit.

[Anonymous No.26143603]

>>26135739
In Finland the housing prices have risen a fuckton around the larger cities. I don't quite understand who the fuck is buying all those houses/apartments when you compare the prices to the average salaries of people.
Unless they're absolutely completely head over heels in debt. But I suspect the ever incresing housing prices are a symptom of the constant money printing and reflects the real inflation of our currencies

[Anonymous No.26143935]

>>26139500
>>26142782
>>26142814
thank

[Anonymous No.26144645]

I bought a brand new 40 m2 1 bedroom 1 living room apartment with 100m2 garden, with a parking spot in the garage, and 24/7 reception for 100000$, but I'm in hungary. We have a lot of programs for young white couples, so I'm loaded. They give us 30000 $ to make 3 kids in the future (we have 5 years for the first)