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brokencycle

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We had an in house council who was a nice guy, and I enjoyed talking to him on non-work matters, but when he was in attorney mode, he was completely different: a total ass, and completely obsessed with getting 'leverage' wherever possible. He blew up a deal I was working on which had nothing but upside for us because he decided he needed to berate the other side to get better leverage.
 

imatlas

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Shit yes. I can’t get below 3 without paying through the nose.
 

gettoasty

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With rates with where they are and will remain for the foreseeable future, couldn't you just check with a broker every six months for lower rate? I just finished my refinance, had to get my mortgage to conforming limits that meant more money out of pocket. I'm most likely going to shop around again in six months time to see what new rates are possible, no cost, no points, etc.
 

kindofyoung

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Well to start I should note I'm in Sweden, so while definitely a very good rate it's not insane.

Anyway my apartment ended up going for about 207k, I forget exactly how much I borrowed but my monthly costs are roughly 200$ in interest and 300$ towards paying it off (plus 250-300$ in apt fees). Got this rate locked in for 2 years, after which I'll either renegotiate to lower it or find some other bank that will.

Once my renovations are completely done I'll also have the broker come and re-appraise the value of it, at which point I should be able to increase my loan to pay off personal debts while keeping monthly costs the same.
 
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Omega Male

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I guess when you have negative interest rates? Does Sweden, think they may be back to zero?
 

Joffrey

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Putting in an offer on a condo with disclosures that indicate the HVAC system is 10-15 years old. It's otherwise a great unit - spacious, new washer and dryer, kitchen and bathroom don't need any work, and parking. A little freaked out as I understand HVAC systems are $$$$ - so I am working in the ability to walk away or negotiate if the inspection report is troubling... that's if my offer is accepted. A friend with experience owning multiple properties says not to worry as the systems last north of 20 years....Wish me luck!
 

jcman311

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Ha, our HVAC system is going on 30 years. But then again, we have 2 systems so if one went down we'd have a backup. And yes depending on the system they can be a bit of coin. But not enough to walk away from a nice spot ready to move in that doesn't need other major work.
 

nootje

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That's stealing. Would love to hear the rest of the terms on that one.
Short term and variable interest rates are that way in the socialist paradise that is Europe. In the Netherlands it’s 0,75 for one year locked, and 2% for 20 locked. Terms are usually just classic annuitant mortgage.
 

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