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PaperclipPerfector  6mo ago (text post)   4127 thread views

Small-Scale Question Sunday for November 19, 2023

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

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Housing market predictions anyone?

As a couple we are at a point where we would be given a mortgage of a small size house in the city or a somewhat larger one in a suburb (this is a very expensive Western European capital and collectively we earn upper middle class salary). But the prices are so crazy that whatever we buy would definitely not be enough to raise a decent size family as long as we stay in range for our jobs.

The obvious plan would be to get a mid sized place now and then sell and upgrade to a larger house in 5-10 years.

I am very paranoid that the current prices are a massive bubble and if we get a loan today we will be left holding a massive bag when the prices crash and we won’t be able to meaningfully upgrade to a larger house. But on the other hand throwing a large fraction of our income down the toilet with the rent feels ridiculous when we can afford not to.

Don't you live in Turkey? It seems to me that considerations would be a bit different there, the crash isn't going to be that the nominal price drops but the real price drops.

Besides, my guess is that this is true for most places, only more so in Turkey. The drop isn't going to be so much in nominal value as in real terms.

No I don’t. I haven’t lived there for almost a decade

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