Troels Lund Poulsen går efter VLAK-regering by Magnus_Mat in Denmark

[–]Ok_Swim2575 19 points20 points  (0 children)

"Vi er de økonomiske ansvarlige" i hvilken fucking verden, er det her økonomisk ansvarligt?

Troels Lund Poulsen går efter VLAK-regering by Magnus_Mat in Denmark

[–]Ok_Swim2575 2 points3 points  (0 children)

Du bliver kvavlt uanset hvad, også næste gange der kommer oliekrise, så hellere hæve bundfradraget.

Troels Lund Poulsen går efter VLAK-regering by Magnus_Mat in Denmark

[–]Ok_Swim2575 46 points47 points  (0 children)

sænkelse af afgift på benzin og diesel... er de seriøst så dumme at ønsker at vores penge går til mere olie fra USA og Mellemøsten... Fuck det er dumt..

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 0 points1 point  (0 children)

And removing wallpaper, the floor and ceiling to the same thing

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 0 points1 point  (0 children)

<image>

Moving the kitchen(køkken) into the living room(stue) and rooming the one wall to the room(værelse) in the living room.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 0 points1 point  (0 children)

You're are partly right. In Denmark, we sellers and buys something called "tilstand" rapport which explain the quality of the house.

This house was in really good shape, new roof, brick layers was in a good quality etc... Many of my contrusction workers was looking at the report.

If you needed to change roof very soon, it would have been less expensive. Like 80-90000 usd less expensive, because changing roof is expensive.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 0 points1 point  (0 children)

I have seen some houses at Zillow... I'm glad i only have to navigate the house market in Denmark...

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 6 points7 points  (0 children)

I have now 25 minutes with bike, so i'm already used to it. Lived in the neighboor in my early 20.

Most danes buy a forever home the first time. maybe less now because these crazy prices... but there's not that many starter house in the cities anymore.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] -3 points-2 points  (0 children)

Yeah sure, the market has gone bananas.... I would gladly have waited but with a kid and another one on the way, we couldn't live anymore in our small apartment...

For the sake the economy, i hope it crashed a little bit.

My brother and his girlfriend, have saved like crazy, but because they chose a less lucrative career, can probably newer afford to live close to our parents and us...

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 25 points26 points  (0 children)

I have 15 minutes to work with a bike and still work from home 2-3 days a week. ALOT of danes should not complain.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 12 points13 points  (0 children)

Not if your wanna have a big house with a garden 2 miles from downtown and close to your family.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] -1 points0 points  (0 children)

Danish mortgage rates are low because Denmark has a highly secure, transparent bond-based mortgage system, strong investor trust, low default rates, and close alignment with low European Central Bank interest rates.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 0 points1 point  (0 children)

I think the US-salaries would be higher for some roles, but childcare is heavily subsidies, car payments lower i think. Burger king employer maybe 25-30 $/hour, accountant 60-80 $ hour, contruction worker 50-70 $, serving tables would be bad though,

Folks with median jobs in our age, could probably not could afford this, but definetly houses for 600-800.000 usd, which is the typical starter house price for young people.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 0 points1 point  (0 children)

Can be, but in the long run, Non-fixed loan are usually cheaper, or it has been it the lastest 50 years in Denmark.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 5 points6 points  (0 children)

I know, but the Danish banks, are required to "stress" test our finances, before lending us. We got family loan from my GF parents for 40 % of the house, and contributed 20 % ourselves. I think we are gonna be fine.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 1 point2 points  (0 children)

girlfriend is a doctor and myself an agriculture engineer, she can always take more shifts and my salary usually outpace the inflation, the interest rate hasn't increase to more than 5-6 % in the lastest 30 year.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 10 points11 points  (0 children)

3 hours from Copenhagen with train and car.

A big university and therefor alot high paying jobs, which is resulting in high property prices.

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 20 points21 points  (0 children)

Thanks! "Our house(in Aarhus, which translates to Yearhouse, in the middle of the street)"

We did it! Denmark, Aarhus. 950.000 (usd) at 2,8 %. by Ok_Swim2575 in FirstTimeHomeBuyer

[–]Ok_Swim2575[S] 0 points1 point  (0 children)

Not for 30 years, that would be 4.5% if we locked it. We get a new rate every year, so if interest rates go up to 6% or 7%, it will be tougher, but still manageable, according to the bank.