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Guest Philosophy
By Guest Philosophy
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Hi, Guys! 

 

  I want to buy a 1.2m dollar home as I need to live near my parents because my mother is ill and my dad works all day. My mom was diagnosed with Dementia. They live in an expensive neighborhood. as I am in my early 20's so I have never bought for financed a house.  1.2m is the cheapest house. I am screwed? Edit: I could live with my parents, but I am freaking 21 years old. How much would I have to make to afford this? 

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Hi, Guys! 

 

  I want to buy a 1.2m dollar home as I need to live near my parents because my mother is ill and my dad works all day. My mom was diagnosed with Dementia. They live in an expensive neighborhood. as I am in my early 20's so I have never bought for financed a house.  1.2m is the cheapest house. I am screwed? Edit: I could live with my parents, but I am freaking 21 years old. How much would I have to make to afford this? 

i owuld live with your parents as you are 21 and a 1.2 mil house is a little absurd at that age

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Posted

My Aunt and Uncle have a $1.3m house.

They are both district managers (For all of California) for Sears. 

 

I would suggest talking to someone other than a tech forum. 

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a 1.2m house? What are you studying? Do you currently have the money already or are you going to get a loan from the bank?

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Well, do you have a stable income? How much do you have in savings?

It might be better to speak to your bank rather than us.

I have 120k is saving, I put 20% of income in there. Last year I made 50k. This year I am on track to be between 90-120k because I am salesperson it is not stable at all. 

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a 1.2m house? What are you studying? Do you currently have the money already or are you going to get a loan from the bank?

it seems a little much

 

Hi, Guys! 

 

  I want to buy a 1.2m dollar home as I need to live near my parents because my mother is ill and my dad works all day. My mom was diagnosed with Dementia. They live in an expensive neighborhood. as I am in my early 20's so I have never bought for financed a house.  1.2m is the cheapest house. I am screwed? Edit: I could live with my parents, but I am freaking 21 years old. How much would I have to make to afford this? 

 what is your job

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I have 120k is saving, I put 20% of income in there. Last year I made 50k. This year I am on track to be between 90-120k because I am salesperson it is not stable at all. 

what do you sell

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a 1.2m house? What are you studying? Do you currently have the money already or are you going to get a loan from the bank?

I am studying Computer Engineering. I have 120k in savings. 

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what do you sell

I sell computers, appliances and cell phones. 

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We're not talking dollars here are we?

I grew up on a 21 acre farm and that was worth 250.000 when we moved.

Surely there must be cheaper housing available? 

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I am studying Computer Engineering. I have 120k in savings. 

As long as you don't have a decent income, you won't get a 1.1m loan from a bank. It's really way too much at your age

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We're not talking dollars here are we?

I grew up on a 21 acre farm and that was worth 250.000 when we moved.

Surely there must be cheaper housing available? 

 

Depends on the housing area. In San Ramon. 250K is the same price as a apartment. 

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We're not talking dollars here are we?

I grew up on a 21 acre farm and that was worth 250.000 when we moved.

Surely there must be cheaper housing available? 

Not within walking distance, my mother falls a lot so I have to either hire assistance or be with her. I stay with all weekend I work weeks. I would like to be near enough were I could run over if she presses the button she wears that calls me. 

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I sell computers, appliances and cell phones. 

ie in what setting online or rickshaw just kidding on rick shaw but  what is your sales methode

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I have 120k is saving, I put 20% of income in there. Last year I made 50k. This year I am on track to be between 90-120k because I am salesperson it is not stable at all. 

Usually banks demand that you already have between 10-20% of the loan amount in savings, so you might be good.

But again, talking to your bank is probably the best choice. They will be able to advice you to the best loan options. 

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ie in what setting online or rickshaw just kidding on rick shaw but  what is your sales methode

I work at a retail store. Edit: In a retail store. 

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Honestly OP there is nothing wrong staying at home at 21, nothing at all.

 

I am 21 and don't plan to move out until I am 25.

 

Especially in this economy.

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Depends on the housing area. In San Ramon. 250K is the same price as a apartment. 

Holy s**t  :o  Must be a nice area then

 

Not within walking distance, my mother falls a lot so I have to either hire assistance or be with her. I stay with all weekend I work weeks. I would like to be near enough were I could run over if she presses the button she wears that calls me. 

Can't you move in with them? 

If not. Talk with your current bank and see if it's even possible to finance a house at those prices

====>The car thread<====>Dark Souls thread<====>Placeholder<====
"Life is like a raging river, Its gonna get rough downstream. And people's gonna piss in it" 

"Who discovered we could get milk from cows, and what did he THINK he was doing at the time?"

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I work at a retail store. Edit: In a retail store. 

If you're going to loan big amounts, they require you to have a decent income. I'm not quite sure that a retail store will do

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I would not like to live near a demented person, even less if I have to pay a million dollars for it...

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I would not like to live near a demented person, even less if I have to pay a million dollars for it...

have a heart

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1.2 million house?

 

Jeez.

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My brother lived at home with us up until a few months ago he was 24 years old and making 90k a year

 

 

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