this post was submitted on 08 Aug 2023
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Reminds me how people who have been paying much more in rent each month for years, often decades, are constantly refused mortgages for being "high risk" ๐คฆ
And then going into the negative on your credit card and paying it in time somehow makes you have good financial decisions.
cue X-Files theme song
That's because if the rates suddenly go up, you won't be able to afford the mortgage and you'll go bankrupt. If your rent goes too high, you can just find a cheaper place.
But there are fixed rate mortgages.
For 2-5 years? Ok, cool.
Like a cardboard box?
That's simply not true. The number one cause of homelessness in the US is a nationwide lack of affordable housing, including rentals.
I don't care about US, not everyone lives there.
I am compelled to point out here that one does not have to go with a variable rate mortgage. I would say one should never go with a variable rate mortgage for exactly the reason you state.
Additionally, rent is insane. One might not find cheaper rent, without getting help from the state. And if you make more than $60,000 a year, good luck with that.