Thread: What do you think is 'fair'?
11-17-2020, 08:53 PM
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#271
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As a man he should be paying you the average of a one-bedroom apartment and his share of the utilities.
Plus he needs to take his **** to storage and not crowd up the spare living space. If not he needs to pay that cost too.
Plus he needs to take his **** to storage and not crowd up the spare living space. If not he needs to pay that cost too.
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11-17-2020, 08:55 PM
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#272
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Originally Posted By Gizzyhardcore⏩
Maybe in New Zealand, in America and other places it doesn't matter which loan you get, the banks are taking a lion's share of the interest at the beginning of the loan. They've only been in the house a few years (less than 5 I think). So they're still paying more interest at the front end.Bro it already is retarded, Americans are talking.
that marble of a brain bouncing around in your head will need to adjust beyond "rents are high" and "interest rates are low" to even have a basic understanding of the property market and rents. Before you even start thinking about interest / principle components of a mortgage.
To the rest of the misc, I know you're likely financially illiterate so I will try and explain this as easily as possible.
Not sure how you don't understand that principle payment is not an expense, its building equity.
Example
30 years your mortgage payment is mainly interest but with a bit of principle, the loan balance slowly goes down... as it does the interest becomes less and the principle more.. until its paid off in 30 years
15 years... you pay it off faster, more of the mortgage payment is principle, less is interest
Now lets take an extreme example, one year. On a $500k property at 2.5% it would mean $12,500 of interest, $500,000 of principle. Its fair to charge someone half the FULL mortgage payment or just the interest?
5 Years? your mortgage payments are still mainly principle... $8,874 per month, only $1,041 being interest...
It should only ever be interest.
Source. Property investor since 2001
that marble of a brain bouncing around in your head will need to adjust beyond "rents are high" and "interest rates are low" to even have a basic understanding of the property market and rents. Before you even start thinking about interest / principle components of a mortgage.
To the rest of the misc, I know you're likely financially illiterate so I will try and explain this as easily as possible.
Not sure how you don't understand that principle payment is not an expense, its building equity.
Example
30 years your mortgage payment is mainly interest but with a bit of principle, the loan balance slowly goes down... as it does the interest becomes less and the principle more.. until its paid off in 30 years
15 years... you pay it off faster, more of the mortgage payment is principle, less is interest
Now lets take an extreme example, one year. On a $500k property at 2.5% it would mean $12,500 of interest, $500,000 of principle. Its fair to charge someone half the FULL mortgage payment or just the interest?
5 Years? your mortgage payments are still mainly principle... $8,874 per month, only $1,041 being interest...
It should only ever be interest.
Source. Property investor since 2001
My husband and I own 5 properties as of right now.
You're over-complicating things either way. Her bf would be paying exponentially higher costs if he was renting alone.
She's only charging him $500 a month which is less than half her mortgage. He's not paying for bills and I'm not sure how else he is contributing to the household chores etc.
Point being, Opie is a schmuck for letting some dude she's not ready to commit to live for dirt cheap while he is banking all his money (dude makes 3x her salary). He's definitely financially cucking her. Lol.
Originally Posted By memcop⏩
See, gender neutral dog owner mod even gets it.As a man he should be paying you the average of a one-bedroom apartment and his share of the utilities.
Plus he needs to take his **** to storage and not crowd up the spare living space. If not he needs to pay that cost too.
Plus he needs to take his **** to storage and not crowd up the spare living space. If not he needs to pay that cost too.
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11-17-2020, 09:01 PM
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#273
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Originally Posted By memcop⏩
lol that would be an awesome conversation to watch, hard to argue against it because it does make sense and is very logical.As a man he should be paying you the average of a one-bedroom apartment and his share of the utilities.
Plus he needs to take his **** to storage and not crowd up the spare living space. If not he needs to pay that cost too.
Plus he needs to take his **** to storage and not crowd up the spare living space. If not he needs to pay that cost too.
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11-17-2020, 09:02 PM
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#274
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Originally Posted By MuzzieChik786⏩
Shh. I dont need your help sloot. It's about respect and it's obvious he has none.Maybe in New Zealand, in America and other places it doesn't matter which loan you get, the banks are taking a lion's share of the interest at the beginning of the loan. They've only been in the house a few years (less than 5 I think). So they're still paying more interest at the front end.
My husband and I own 5 properties as of right now.
You're over-complicating things either way. Her bf would be paying exponentially higher costs if he was renting alone.
She's only charging him $500 a month which is less than half her mortgage. He's not paying for bills and I'm not sure how else he is contributing to the household chores etc.
Point being, Opie is a schmuck for letting some dude she's not ready to commit to live for dirt cheap while he is banking all his money (dude makes 3x her salary). He's definitely financially cucking her. Lol.
See, gender neutral dog owner mod even gets it.
My husband and I own 5 properties as of right now.
You're over-complicating things either way. Her bf would be paying exponentially higher costs if he was renting alone.
She's only charging him $500 a month which is less than half her mortgage. He's not paying for bills and I'm not sure how else he is contributing to the household chores etc.
Point being, Opie is a schmuck for letting some dude she's not ready to commit to live for dirt cheap while he is banking all his money (dude makes 3x her salary). He's definitely financially cucking her. Lol.
See, gender neutral dog owner mod even gets it.
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11-17-2020, 09:02 PM
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#275
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If option A, I'd be tempted to not tell the other person, just roll the extra $250/mo into the payments to pay off early.
If option B, explain the situation and why it's better. Expect the extra $150, since there's a lot more to a house than the monthly mortgage.
If option B, explain the situation and why it's better. Expect the extra $150, since there's a lot more to a house than the monthly mortgage.
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11-17-2020, 09:04 PM
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#276
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better be real careful and check with a lawyer in your state/country because this could get you in a situation where they are claiming equity in your house and demanding some of the money back when you break up or buying back their equity.
better that you have something written out that they are paying rent. then idk what that means for taxes though, if you were actually charging them rent officially vs just calling it rent.
better that you have something written out that they are paying rent. then idk what that means for taxes though, if you were actually charging them rent officially vs just calling it rent.
11-17-2020, 09:04 PM
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#277
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Originally Posted By Jestbrah⏩
Us cops are highly undervalued for our common sense and problem-solving abilities.lol that would be an awesome conversation to watch, hard to argue against it because it does make sense and is very logical.
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11-17-2020, 09:07 PM
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#278
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Originally Posted By elterrible987⏩
A dude who makes more money than her just seems like it would be an uphill battle. Not saying your point doesn't have merit, but I just can't see him ever doing that as a male, and even if he did, would it get equal treatment?better be real careful and check with a lawyer in your state/country because this could get you in a situation where they are claiming equity in your house and demanding some of the money back when you break up or buying back their equity.
better that you have something written out that they are paying rent. then idk what that means for taxes though, if you were actually charging them rent officially vs just calling it rent.
better that you have something written out that they are paying rent. then idk what that means for taxes though, if you were actually charging them rent officially vs just calling it rent.
11-17-2020, 09:07 PM
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#279
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Originally Posted By bfdehewdbyywhn⏩
her looksmatch is dangling from a rope in an atticif she was born a man, her brain would be splattered across a wall
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11-17-2020, 09:22 PM
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#280
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Originally Posted By DizzySmalls⏩
that is a good point, in property disputes sloots always come out on top with feminist and simp judges in the US, so she will prob be fine.A dude who makes more money than her just seems like it would be an uphill battle. Not saying your point doesn't have merit, but I just can't see him ever doing that as a male, and even if he did, would it get equal treatment?
But i have read about this somewhere where the person could have claim to equity. Might not be a big deal if they split after a year but if he been paying her mortgage for 5 years he might be more likely to claim something.
11-17-2020, 09:33 PM
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#281
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Originally Posted By elterrible987⏩
Palimonythat is a good point, in property disputes sloots always come out on top with feminist and simp judges in the US, so she will prob be fine.
But i have read about this somewhere where the person could have claim to equity. Might not be a big deal if they split after a year but if he been paying her mortgage for 5 years he might be more likely to claim something.
But i have read about this somewhere where the person could have claim to equity. Might not be a big deal if they split after a year but if he been paying her mortgage for 5 years he might be more likely to claim something.
https://en.m.wikipedia.org/wiki/Palimony
She needs a postpalial agreement
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11-17-2020, 10:39 PM
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#282
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Originally Posted By Jestbrah⏩
Symantics aside on who bought what"He" didnt buy anything or own anything "She" is the one who bought the house first off.
Second, she is paying the mortgage, so the interest and the principle. Say that is $1000. so say that is 800 in principle and 200 in interest. Why should She pay $900 a month and him pay only $100 to live with her in the house and have free riegn of the house equal to her but only pay 1/10th of the monthly costs for that house?
In my opinion I would offer to pay 30% because she is getting to keep the equity in the house and he wont see any returns on his payments. He is essentially giving her money to pay off the mortgage(principle and interest) for the opportunity to get to stay there.
Second, she is paying the mortgage, so the interest and the principle. Say that is $1000. so say that is 800 in principle and 200 in interest. Why should She pay $900 a month and him pay only $100 to live with her in the house and have free riegn of the house equal to her but only pay 1/10th of the monthly costs for that house?
In my opinion I would offer to pay 30% because she is getting to keep the equity in the house and he wont see any returns on his payments. He is essentially giving her money to pay off the mortgage(principle and interest) for the opportunity to get to stay there.
why don't you just take the OP's example, but go one better... not live in it.
Instead rent it out to your friends over the life of the 15 year mortgage - by Misc logic its fair to charge them half of the full mortgage payment... and after 15 years you have a house 100% free. Considering your deposit which could have been as low as 5%, and then the capital gain on the property.... thats a 20x minimum return.
Go one better again, and just make the mortgage 5 years. Its only fair to charge the full mortgage pro rata to whomever is living there. Magic - free house after 5 years.
I get that the general populace is financially iliterate, but I would never have thought its MOST of the misc, ie 95%
No one seems to have even the general common sense to link the value of a house to its market rent. And then crunch the numbers on if you where the landlord, how much the rent would actually cover. A lot of the time it doesn't even cover the interest on the mortgage, let alone the principle, let alone the properties expenses. Landlords LOSE money on it week to week and have to top up the mortgage with their own cash. The pay off though is the land increases in value and down the line they sell it for a huge profit, which more than covers the losses they endured to hold the property. But *whoosh* over the miscs head, not surprising most of you talk about financing your cars.
11-17-2020, 10:43 PM
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#283
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Originally Posted By Anachron⏩
If you had the general misc with their "should always be half" then you'd go 200 IQ and set the mortgage to 1 year, get the other half to buy half a house for you lmaoThanks for conceding, the second time, in the same thread.
One of these days you might be able to keep up with me. But that day is not today - and by the looks of it won't be anytime soon.
Too complicated, and wholly unnecessary.
It's very simple. If I take on debt to buy an asset, I am responsible for it.
One of these days you might be able to keep up with me. But that day is not today - and by the looks of it won't be anytime soon.
Too complicated, and wholly unnecessary.
It's very simple. If I take on debt to buy an asset, I am responsible for it.
11-17-2020, 10:44 PM
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#284
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Originally Posted By Gizzyhardcore⏩
The mortgage has nothing to do with fair value you ****ing idiot. Just let it die the correct answer has been given 10 timesSymantics aside on who bought what
why don't you just take the OP's example, but go one better... not live in it.
Instead rent it out to your friends over the life of the 15 year mortgage - by Misc logic its fair to charge them half of the full mortgage payment... and after 15 years you have a house 100% free. Considering your deposit which could have been as low as 5%, and then the capital gain on the property.... thats a 20x minimum return.
Go one better again, and just make the mortgage 5 years. Its only fair to charge the full mortgage pro rata to whomever is living there. Magic - free house after 5 years.
I get that the general populace is financially iliterate, but I would never have thought its MOST of the misc, ie 95%
No one seems to have even the general common sense to link the value of a house to its market rent. And then crunch the numbers on if you where the landlord, how much the rent would actually cover. A lot of the time it doesn't even cover the interest on the mortgage, let alone the principle, let alone the properties expenses. Landlords LOSE money on it week to week and have to top up the mortgage with their own cash. The pay off though is the land increases in value and down the line they sell it for a huge profit, which more than covers the losses they endured to hold the property. But *whoosh* over the miscs head, not surprising most of you talk about financing your cars.
why don't you just take the OP's example, but go one better... not live in it.
Instead rent it out to your friends over the life of the 15 year mortgage - by Misc logic its fair to charge them half of the full mortgage payment... and after 15 years you have a house 100% free. Considering your deposit which could have been as low as 5%, and then the capital gain on the property.... thats a 20x minimum return.
Go one better again, and just make the mortgage 5 years. Its only fair to charge the full mortgage pro rata to whomever is living there. Magic - free house after 5 years.
I get that the general populace is financially iliterate, but I would never have thought its MOST of the misc, ie 95%
No one seems to have even the general common sense to link the value of a house to its market rent. And then crunch the numbers on if you where the landlord, how much the rent would actually cover. A lot of the time it doesn't even cover the interest on the mortgage, let alone the principle, let alone the properties expenses. Landlords LOSE money on it week to week and have to top up the mortgage with their own cash. The pay off though is the land increases in value and down the line they sell it for a huge profit, which more than covers the losses they endured to hold the property. But *whoosh* over the miscs head, not surprising most of you talk about financing your cars.
If there is no mortgage at all, the fair value still moves with the market and has no connection to interest or principal on a loan
11-17-2020, 10:45 PM
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#285
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um if you are paying half a mortgage and are in a relationship you're a dumbass. your name should be on the mortgage. if you aren't in a relationship and manage to refinance and force your roommate to pay full mortgage you're a genius.
11-17-2020, 10:56 PM
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#286
OPie your man has serious financial warning beacons
Earns 3x as much, has no financial investments and seems to be looking for a free ride
It’s the “what I pay to have a roof over my head goes down if you refi and pay less” part that’s a klaxon
And that he doesn’t own any property and did I read you say he likes to spend?
If he’s that bad with money he should at least let you take charge of investments. At least if you’re in it for the long haul
He should pay market rental for half your type of property in your area, plus share bills. It shouldn’t be tied to your mortgage payments but to actual cost of living.
What is he? A man-child?
Hmmm.
Earns 3x as much, has no financial investments and seems to be looking for a free ride
It’s the “what I pay to have a roof over my head goes down if you refi and pay less” part that’s a klaxon
And that he doesn’t own any property and did I read you say he likes to spend?
If he’s that bad with money he should at least let you take charge of investments. At least if you’re in it for the long haul
He should pay market rental for half your type of property in your area, plus share bills. It shouldn’t be tied to your mortgage payments but to actual cost of living.
What is he? A man-child?
Hmmm.
11-18-2020, 06:26 AM
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#287
11-18-2020, 06:35 AM
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#288
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Originally Posted By Anachron⏩
Like Dizzy Smalls, im in. Please share with me your properties you are renting for interest only (show me the paperwork) and I might be inclined to rent a few. SRSI mean, real estate and rental markets everywhere in the world are exactly the same.
11-18-2020, 06:37 AM
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#289
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Originally Posted By DizzySmalls⏩
Good lord....how do people not understand this?The mortgage has nothing to do with fair value you ****ing idiot. Just let it die the correct answer has been given 10 times
If there is no mortgage at all, the fair value still moves with the market and has no connection to interest or principal on a loan
If there is no mortgage at all, the fair value still moves with the market and has no connection to interest or principal on a loan
How do you think people rent out properties that are owned in full?
11-18-2020, 10:31 AM
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#290
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Originally Posted By Rabbitjb⏩
This sloot konws whats upOPie your man has serious financial warning beacons
Earns 3x as much, has no financial investments and seems to be looking for a free ride
It’s the “what I pay to have a roof over my head goes down if you refi and pay less” part that’s a klaxon
And that he doesn’t own any property and did I read you say he likes to spend?
If he’s that bad with money he should at least let you take charge of investments. At least if you’re in it for the long haul
He should pay market rental for half your type of property in your area, plus share bills. It shouldn’t be tied to your mortgage payments but to actual cost of living.
What is he? A man-child?
Hmmm.
Earns 3x as much, has no financial investments and seems to be looking for a free ride
It’s the “what I pay to have a roof over my head goes down if you refi and pay less” part that’s a klaxon
And that he doesn’t own any property and did I read you say he likes to spend?
If he’s that bad with money he should at least let you take charge of investments. At least if you’re in it for the long haul
He should pay market rental for half your type of property in your area, plus share bills. It shouldn’t be tied to your mortgage payments but to actual cost of living.
What is he? A man-child?
Hmmm.
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11-18-2020, 10:44 AM
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#291
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Originally Posted By Anachron⏩
Ok tough guy.Like DizzySmalls, you are confusing me with someone else. But if you want me to make you look like a fool just like I made him look like a fool, I'm game.
11-18-2020, 10:49 AM
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#292
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Originally Posted By donblaximus⏩
look let's all agree that it's kinda gay to wear banana hammocksOk tough guy.
11-18-2020, 10:50 AM
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#293
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I think there are two fair ways to deal with this:
1) Person A pays for the mortgage in it's entirety, keeps 100% equity, and A&B split other living costs 50/50
2) Split mortgage payments 50/50 (or some other fraction) and do the same with both the outstanding mortgage and the fraction of the house not already paid for outright by person A
e.g, if house is worth 100k and 80k left on mortgage, then Person A owns 20+40 = 60% of house and owes half of mortgage (40k), and person B owns 40% of house and owes the other 50% of mortgage .
Other vague arrangements will leave person A open to person B claiming an unfair level of equity when they break up.
1) Person A pays for the mortgage in it's entirety, keeps 100% equity, and A&B split other living costs 50/50
2) Split mortgage payments 50/50 (or some other fraction) and do the same with both the outstanding mortgage and the fraction of the house not already paid for outright by person A
e.g, if house is worth 100k and 80k left on mortgage, then Person A owns 20+40 = 60% of house and owes half of mortgage (40k), and person B owns 40% of house and owes the other 50% of mortgage .
Other vague arrangements will leave person A open to person B claiming an unfair level of equity when they break up.
11-18-2020, 10:52 AM
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#294
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Originally Posted By Anachron⏩
Well, it's only kinda gayNow you tell me...
I thought you, Kaz and myself were going to meet up for a banana hammock chill session.
I thought you, Kaz and myself were going to meet up for a banana hammock chill session.
11-18-2020, 11:01 AM
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#295
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Originally Posted By Anachron⏩
Up for what? Sure im game. What would you like to discuss?So I guess you're not up for it?
11-18-2020, 11:09 AM
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#296
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Originally Posted By Anachron⏩
I was under the assumption your position was that rental values are derived from interest on a loan. To which I replied, if you have properties you are renting based on interest only, Id love to see what you have available as I would be in given you supply all the details because that is absolutely ludicrous.You're the one who called me out, you tell me.
To which you replied, that was not me.....then went on about making me look like a fool..ie get into a discussion.
To which I replied, you are a tough guy.
Did you get all that?
So a simple, "hey, you have my stance confused for someone else bro" would have sufficed and im sure thats how you would have addressed that in real life to my face. But since this is the internet and you want to flex your intellectual muscle, go ahead.
11-18-2020, 11:14 AM
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#297
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Originally Posted By Anachron⏩
Oh because I made a mistake? Is that how you define making someone look like a fool? Yes, I make mistakes all the time. In business, in personal things and on the internet.Remember the part about making you look like a fool?
I didn't even have to do anything, you did all the work.
I didn't even have to do anything, you did all the work.
11-18-2020, 11:15 AM
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#298
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Jesus H Christ. This thread has turned into the how many days are there in a week thread. We've got accountantmaxxers, landlordchads and mathematicians bickering over the difference between the original agreement being half or $500.
Person's A and B are not married and as such this should be viewed transactionally. I'm not sure where this trend of treating every single person you date like a spouse came from but its strange to me. They should be treated with respect but no more than any of your other same sex friends. You don't just hand over equity in your house to them
The only 2 factors that should come into play at all are the original agreement which person A should do their best to honor but since circumstances surrounding loans have changed there is a very good reason to change the deal and the cost of living in the area. You think landlords base rent off of what their mortgage is?? FUK NO They base it off of what comparable properties are renting for. Anyone that says different doesn't know what they are talking about. How do you think houses that are paid off end up being comparable rent wise to properties with a mortgage??
Person A is the landlord in this instance and with no lease agreement they can change the deal whenever they see fit Darth Vader style. It's not that fukkn hard to understand lol
Person's A and B are not married and as such this should be viewed transactionally. I'm not sure where this trend of treating every single person you date like a spouse came from but its strange to me. They should be treated with respect but no more than any of your other same sex friends. You don't just hand over equity in your house to them
The only 2 factors that should come into play at all are the original agreement which person A should do their best to honor but since circumstances surrounding loans have changed there is a very good reason to change the deal and the cost of living in the area. You think landlords base rent off of what their mortgage is?? FUK NO They base it off of what comparable properties are renting for. Anyone that says different doesn't know what they are talking about. How do you think houses that are paid off end up being comparable rent wise to properties with a mortgage??
Person A is the landlord in this instance and with no lease agreement they can change the deal whenever they see fit Darth Vader style. It's not that fukkn hard to understand lol
6'2"
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11-18-2020, 11:17 AM
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#299
- TypeNirvash
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- TypeNirvash
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^In the end, we can all agree renting is a sucker's game
11-18-2020, 11:19 AM
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#300
- Ken-O
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- Ken-O
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this thread still going lol. WTF.
Lold at *******s talking about interest rate and **** like that jesuschrist way to overcomplicate this bull****.
Lold at *******s talking about interest rate and **** like that jesuschrist way to overcomplicate this bull****.
"The flowers bloom, then wither... The stars shine and one day become extinct. This earth, the sun, the galaxies and even the big universe, someday will be destroyed. Compared with that, the human life is only a blink, just a little time. In that short time - people are born, laugh, cry, fight, are injured, feel joy, sadness, hate someone, love someone. All in just a moment. And then, are embraced by the eternal sleep called death."
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