The reunion thread

[Pirez]

Thanks, you guys!

Fellow new homeowners unite!

Yeah! Isn't it nice to have a mortgage? Can't believe I didn't try this sooner!

Soon to be me : I go to the notary clerk on monday to start the process. So come Christmas I'll own an apartment

[DaveRattlehead]

[Master]

Aww, look at yall moving on in life. I do hope to be joining that club soon, but it's not as easy when you're on your lonesome.

[Pirez]

Aww, look at yall moving on in life. I do hope to be joining that club soon, but it's not as easy when you're on your lonesome.

Actually I have to buy it with my sister ^^"

[Master]

Ah. Well congratulations all the same!

[DaveRattlehead]

Just a curiosity...
How much does a normal home cost out there? And what's the montly income in your countries? Is it that hard to buy a home by yourself?

[Master]

In the UK, average house prices are about £270k, and an average salary is £37,600. I believe for a mortgage, they expect about 4.5 salary as the maximum they'd be able to loan, so that'd be £169,200. So you'd still 100k for a deposit.

Now consider costs of living, and you see the problem

[Steo]

Nice to see Rulez around these parts.

[Cairnie]

It depends where you are and what kind of stable income and savings you can prove you have too; I've lived in the East Midlands for over 7 years now and the house price average is a bit lower than this, though 270k would be the average for a one bedroom flat where I used to live! We got incredibly lucky and had a good bunch of stars align such as our ISAs and other saving accounts maxing out at around that time, and had a little bit of help from family. We also used to be on Universal credit which is better suited to those who rent, and that got us eligible for a couple things too.

[Steo]

Yeah it's definitely expensive af even over here to buy a house. Definitely going to cost you a few limbs especially in the more rural areas.

[Pirez]

It's worldwide, I'm afraid.

We can only afford ours because my parents sold one of their houses and separated the money into 4 parts, one for each kid + one part for them.

And it's still only a third of the price.

[Steo]

The only chance anyone really has to afford anything without it costing absurd amounts is if it's in the countryside in the middle of nowhere, which obviously isn't ideal for everyone (even though it would be peaceful).

[Tobbe]

Depends on where you live. I live in a small town where houses are relatively cheap. We paid about €530K (today's exchange rate) for our house. In one of the larger cities, like Trondheim, the same house would be about twice that, and in the capital it would be even more expensive (real estate prices there are completely bonkers).

[DaveRattlehead]

Well it seems it's still complicated out there. Here, for example, the most usual salary is around €1300-1500 per month, and the price of the house depends on the place you'd like to live. For example, in a hometown like mine, a decent flat may cost you around €120,000, but if you want to live in a city, then it can easily surpass €200,000.

The price of the groceries is very similar to Ireland and France, from what I see, and there's a lot of taxes. Paying taxes isn't something that would bother me if I saw that the services were good, but the reality is that political corruption is so rampant that, even though we're paying more taxes than ever, the services are overloaded and they suck.

[Hunchman801]

I just merged this topic with the reunion thread, whose purpose was indeed for people to catch us up on their lives! Hope the result won't be too messy.

[Steo]

Well it seems it's still complicated out there. Here, for example, the most usual salary is around €1300-1500 per month, and the price of the house depends on the place you'd like to live. For example, in a hometown like mine, a decent flat may cost you around €120,000, but if you want to live in a city, then it can easily surpass €200,000.

The price of the groceries is very similar to Ireland and France, from what I see, and there's a lot of taxes. Paying taxes isn't something that would bother me if I saw that the services were good, but the reality is that political corruption is so rampant that, even though we're paying more taxes than ever, the services are overloaded and they suck.

The taxes generally are very high in the EU yeah. Even in Dublin if you just rented a small apartment, your rent would definitely be over 1000 per month, like you literally need a full time job just to pay the rent, never mind the rest of the bills.

[jurebj]

Great to see everyone here! Sadly I don't have much time to chat today as I'm working as a sound engineer at a local festival. Besides that not much has changed since last year.

[Greengoop]

Woah, a sound engineer at a festival? Sounds epic, and great to see you!

[DaveRattlehead]

I have a friend living in Cork who was paying around €800 living with another person in the same apartment. Lucky him, he has a good salary, so he can still save some money, way more than us who are living here. At this point, the only way to save some money, is either living with 70 more people, or living in a hideout.

[Hunchman801]

Hi Serza and jurebj, nice to see you around!

Depends on where you live. I live in a small town where houses are relatively cheap. We paid about €530K (today's exchange rate) for our house. In one of the larger cities, like Trondheim, the same house would be about twice that, and in the capital it would be even more expensive (real estate prices there are completely bonkers).

Yeah, in Paris this will only get you a small apartment, but there's a lot of places in France where you can get good houses on the cheap. However, the problem might be to find some work there!