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Congrats to all 2024 college graduates!
(kbin.run)
You are now entering your spicy years. 🌶️
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this post was submitted on 14 May 2024
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I’m not sure why you’re being downvoted. This isn’t true everywhere or for every home, but yeah, I pay less on my mortgage than some friends did for a two-bedroom apartment in more or less the same area.
It’s seriously unfair.
Oh, it's more disgusting than that. You can re-finance which brings your monthly payment lower than what you could possibly afford when buying the same house anew. Yeah, the 30-year horizon for paying off gets reset, but there are ways to work around that.
Back when I was renting the landlord offered a 3-year instead of a 1-year lease. I immediately asked "does that mean I get a discount on rent or lock-in a rate?" When they told me "no", I asked "why would I do that?" Renters really have no such luxuries.
Wouldn't a three-year lease lock in the rent for those three years?
It should, but it depends on how the contract is written.
That's not even counting that a significant fraction of each mortgage payment is going towards the principal, increasing your equity, so you're basically paying yourself back each month.