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 Can I have a mortgage? |
Dear all,
I am 27 years old and I am one of the lucky ones so far. I’m on a good job, I am earning a lot and I am saving aswell. I am completely debt free actually I never been in debt apart ... |
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Olyphant | What the hell is a mortgage? |
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JustChillin
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A loan to finance the purchase of real estate, usually with specified payment periods and interest rates. The borrower (mortgagor) gives the lender (mortgagee) a lien on the property as collateral for the loan.
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Sarah Townen
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when you buy a home most people don't have cash for all that money right?
so typically people put a down payment on the house, it might be what they can afford or a minimum down payment. then they go to the bank (or somewhere like that) and ask for a loan on the rest.
basically a mortgage is a loan for your house
mortgages can take years and years to pay off
ideally the quicker you pay it off the better as you will save interest |
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HeyDanno
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A mortgage is an evil type of loan that suckers people into buying homes they cannot afford. If everyone paid cash for homes, houses would cost 1/8 what they cost now. But because people want everything right now instead of working and saving for years... they simply get a mortgage loan. People are willing to go into bondage for the majority of their lives just so they can 'have a house now!'. They are also willing to pay 3 or 4 times more over the course of a 30 year mortgage loan than the house's asking price. This buy it now mentality causes the prices for all homes to go through the roof. If everyone can buy a house right now without saving there will be more buyers than supply of homes so the price gets jacked up. The downside of this is that savers can no longer afford to save up and pay cash for a home because the price of homes keeps going up dramatically every year. And eventually (as we are seeing today) the price of homes goes up so high that even people with 30 year mortgage loans can barely afford to buy them. So what happens? Banks start selling 50 year mortgage loans!!! Mortgages are one of the most evil loans ever invented. Did you know that until about the 1940's or 1950's nearly everyone paid cash for their homes? That's right. It was considered an embarrassment and shameful to have mortgage loan. Mortgage loans should be illegal. The price of homes would come down dramatically and stay down. Then people would be able to save up and pay cash for homes... and not worry about losing their homes to the bank in hard economic times because they can't make the mortgage payments. |
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Daniel K
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It's a payment to a loan, thats for a house. |
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Sugga
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A temporary, conditional pledge of property to a creditor as security for performance of an obligation or repayment of a debt.
WORD HISTORY:
The great jurist Sir Edward Coke, who lived from 1552 to 1634, has explained why the term mortgage comes from the Old French words mort, "dead," and gage, "pledge." It seemed to him that it had to do with the doubtfulness of whether or not the mortgagor will pay the debt. If the mortgagor does not, then the land pledged to the mortgagee as security for the debt "is taken from him for ever, and so dead to him upon condition, &c. And if he doth pay the money, then the pledge is dead as to the [mortgagee]." This etymology, as understood by 17th-century attorneys, of the Old French term morgage, which we adopted, may well be correct. The term has been in English much longer than the 17th century, being first recorded in Middle English with the form morgage and the figurative sense "pledge" in a work written before 1393.
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sunny_gurl113
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what rock are you living under??? Just kidding. No seriously mortgage refers a loan on your home, town home, trailer, condo, etc. So renting or leasing you do not own it. Mortgage or lease to own aka mortgage you own it. |
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DaughterOfTheKingOfKings
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How much money you still owe on your house.. Like your debt.. The loan you take out so can afford to buy a house.. .. .. Yeah. |
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Proud mommy of 2
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Its something people pay monthly, like rent. People get a loan to buy a house, then they have to pay the bank every month. So its a loan |
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Hari
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Good to mortgage Hell if somebody keeping
Haaa Haaa Haaa... |
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MsBurgundy
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With a question phrased like that, I doubt you are mature enough to handle purchasing a house and making the payments. |
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Anna
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im not sure |
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