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Posted on 4/17/24 at 3:35 pm to Wishnitwas1998
quote:
But higher rates are how you in theory get housing back to a more affordable level. The rates lower demand which then lowers prices
But a house is by far most people's largest investment. So you're teetering between having a chunk of the population not be able to afford a house vs the other chunk being in an upside-down asset. And when houses do become more affordable you're gonna have investors snatching them up as rentals again.
Posted on 4/17/24 at 3:37 pm to fallguy_1978
quote:
They are going to break something. They usually do.
Soft landings don’t address inflation.
Posted on 4/17/24 at 4:09 pm to Powerman
quote:
Could be a decade before we ever see sub 4% mortgage rates again for all we know
A decade to see this is a very modest estimate
Posted on 4/17/24 at 4:10 pm to stout
Yeah but can the ATV and dirtbike dealerships?
This post was edited on 4/17/24 at 4:26 pm
Posted on 4/17/24 at 4:11 pm to stout
As a person who isn’t in The market for a house/car, who carries little credit card debt and has substantial cash in an MM, I love these rates. For the first time in nearly 20 years, it pays to save money outside of equities
This post was edited on 4/17/24 at 4:12 pm
Posted on 4/17/24 at 4:27 pm to Dawgfanman
Kills the development / construction industry though. Once everything under construction gets finished being built there is a much smaller pipeline than usual behind it. Hoping construction costs drop and help offset some costs.
Posted on 4/17/24 at 4:50 pm to Dawgfanman
Yeah, I've got money in CDs foe the first time since the 90s.
Posted on 4/17/24 at 5:24 pm to Triggerr
quote:I didn’t. I do expect one close to the election though to try and shore up Biden.
But, but, but all the realtors ( mainly male ones) that I know took to face book and said there would be three rate cuts this year.
Ya’ll really have no clue, my first mortgage was 13%, refinanced it a couple times after rates dropped. There no bad time to buy a house if you need one, just understand what both the short term and long term plans are.
And yes, HAVE A FISKING PLAN.
Posted on 4/18/24 at 2:09 pm to Loubacca
quote:
The interest rate should not be regulated by the FED but should be based on supply and demand of money available to lend.
The Fed does not directly control interest rates. They affect it indirectly by purchasing or selling securities to banks in order to increase or decrease the money supply. This eventually leads to the interest rates changing because of the change in the money supply that’s available to lend.
Posted on 4/18/24 at 2:11 pm to Kramerica Industries
quote:
Kills the development / construction industry though.
Its been propped up by debt and low rates for years. Its not sustainable.
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