I have struggled and struggled to understand financial concepts all my life and you have just made it all made sense in a concise and non-patronising way. Thank you so much!!!
+Kerri Simpson I know. They should teach economics and financial accounting. Instead they teach arts, communications, social studies. Not that these other things aren't good but they should focus on things which will impact us for the rest of our lives.
So helpful, really opened my eyes. Everyone keeps telling me to buy a house because renting is dead money, and a mortgage really isn't a big deal. Don't know what they're on about as it obviously is a massive deal, glad to have informative videos like this.
Harnett. You have nothing to bargain with when you are old or needs equity. The money that your are paing in rent, the person is paying their morgage with and buying another property. When they send you home after working 40 years, you go back homw with the clothes on your back, nothing to show what you work 40 years for. Nothing to collect rent for to give you a meal. So you can pay someone's rent for 40 years and let them sell the building under you or you can pay a morgage.
Excellent video. Very good presentation style and language used, clear speaking, good pausing, good phrasing. I understood everything and i'm a financial dummy :P
This is definitely a great help for the begginers. Topics that were never taught in school need someone who can define every detail in a thorough manner. Thank you for sharing!
You are awesome. It sounds like I am just in the room and you are talking to me. Great pacing...I love the straight forwardness of your side comments. lol. Thank you!
Well so nice tutorial I love it Beautiful explanation step by step good teacher. I have learned lot of thing from you & also who had so nice helpful comments Look forward more to watch in near future Thanks to all Raj
Excellent video Tim. As an Estate Agent, I found it to be very informative and more importantly, well structured. Thank you for taking the time to make it. Any chance of an updated version explaining the impact of MMR?
I realized that the secret to making a million is making better investment. I always tell myself you don't need that new Car or that vacation just yet and that mindset helps me make more money invest:ng. For example last year I invested 70k in blue chip stocks and crypt0 s (with the help of my advisor of course) and made about 380k, but guess what? I put it back and traded with her again and now I'm rounding up close to a million. Delayed gratification always pays off
My first experience with her gave me the assurance that has made me to invest without fear of loosing and I got four of my friends involved with her already
This is what I needed to hear. No hype, no Brad Pitt salesman type ......and easy to understand. The things he says should be part of what one is taught at school so as to equip youngsters to more effectively deal with the realities of life. But then again a smart population means less profit for many institutions.
Sir you are really provided quality content I really like your all video after watching your all video I am feeling yes today I learn something I don't know why you tube not pushing your you tube chenal
Very informative video for people who literally no nothing about mortgages because the school system is fucking useless when it comes to financial education, you’ve just earned a sub sir!
Great explanations! This was very insightful to learn as a first time buyer! Extremely informative ! Great use of examples to show the differences, definitely helped me understand.
Interest rate is currently at 4.75%(8th rate hike since March last year) Inflation at 7% and mortgage rates is at over 7.5% but yet minimum wage remains the same and my retirement portfolio has suffered tremendously these past years, so my question is how do senior citizens retire and live off such unstable economy. The long term game is obviously not for me at this point.
It’s getting wild by the day. The prices of homes are quite ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%). Sometimes i wonder if to just invest my spare cash into the stock market and wait for a housing crash or just go ahead to buy a home anyways.
@@hermanramos7092 I get such worries too. I'm 50 and retiring early. Already worried of the future and where its headed, especially in terms of financies and how to get by. I'm also considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?
@@martingiavarini Personally, I can connect to that. When I began working with "Catherine Morrison Evans," a fiduciary financial counsellor, my advantages were certain. In these circumstances, I would always advise getting professional help so they can steer you through choppy markets and just give you indicators and strategies for knowing when to enter and exit the market.
@@hermanramos7092 Please how do I connect to her? My funds are being murdered by inflation, and I'm looking for a more profitable investing strategy to put them to work.
that would depend if the loan is on a reducing basis or a flat basis. If it is reducing, the interest would be calculated on the remaining principal and if it is a flat rate, the interest would be calculated on the original principal. If your banker quotes you a very low flat rate, be aware that you will continue to pay a higher interest through out the term of the facility unlike loans on reducing rates.
lets say for example i borrow 100,000 pounds for a house and i want to pay back using the repay method(i.e not interest only method). i am reducing the money i owe every month because i am paying a small portion of the original principle every month. But every month, is the interest rate charge on the original principal that i borrowed or on the remaining principal i owe right now.
Do the math paying a monthly rent of $1,500 x 12 months x 25 years............ interest is just a small fee to accumulate equity and wealth. Whereas rent is dead money and getting you nowhere in life. It'll make you even more sick. At least after 25 years you'll have 300k to your name.
very helpful but still can't find the answer I am looking for. For example, if I now have deposit of 30k, my question is shall I go for 300k house with 10% deposit or shall I go for 150k house with 20% deposit if I can afford monthly payment for both and all other things are the same. Which one would work out better financially in the longer term? Thanks a lot.
Best financial lecturer I've seen. Saw this video a year ago when I started looking into buying my first house, it helped a lot. Currently renting and I'm halfway to saving £70k for a £170k property with a £100k mortgage which should yield a "good" interest rate.
Many of us are still fighting for our homes bought between 2005-2008. We weren’t told we were contracting into complex security “schemes” and/or the lender inflated the value of the home. The “NationalMortgageSettlement” didn’t give.a dime to homeowners. All the $ went to the “too big to fail” banks.
Biggest “con” ever played on homeowners. The alleged bank (“plaintiff”) NEVER appears in Court - just their “lawyer”. These homeowners don’t even get their equity and most of them were society’s most vulnerable.
With the uncertainty of the new year, everyone should be worried about the state of the stock market right now, and might be considering the best stocks to buy that can keep your portfolio on track.
@@aureliocantos8466 Absolutely, fortunately my financial advisor Dan Raziel was able to build a portfolio which helped pay off my mortgage, cleared my debt and greatly increased my annual earnings through consistent trading in stocks and crypto. Retirement came early with no regrets.
@@noelstout3056 I’m trying to have someone on my team who know how the market works and get its benefits. How reliable and profitable has Dan Raziel been?
@@amberhills5296 Dan has been handling my investment for 3 years, and my portfolio has grown rapidly. In my first 5 months I got a trade profit of $94,000 with an investment of $20,000. His analysis are sure and his stakes are at near zero risks. He manages all risks effectively and I’m confident in the future performance of my portfolio.
can anyone tell me where to find a mortgage if I want to put my existing home as a deposit without paying any money upfront? And what is the term for that sort of morgage, coz I can't find it on the net?
hi tim :) thanx a lot for all your nice videos .. i found them very useful :) i am wondering if you can you do videos on buy back of shares and collective investment vehicles ( with as much details as possible)... i am a student from india and i will be very glad to learn from you ... you are a brilliant teacher :)
The reason our most vulnerable members of society were targeted with “predatory loans” in 2004-2008, especially. Loan-to-values were inflated so lending was available to people without the down-payment. Mortgage “brokers” sought out our most vulnerable- enticing them into buying homes. Teaser-rates (low rates for first year or two) converted into adjustable-rate mortgages after the teaser period. Brokers reassured buyers they’d have no problem refinancing BEFORE the conversion (or end of teaser rate.). This WOULD have worked, but when housing prices plummeted, these homeowners were stuck with (very) high-interest rates, unable to refinance, “underwater” as their home was now worth much LESS than what they purchased it for.
Homeowners stuck with paying exorbitant interest rates (many increasing every six months) and UNABLE to sell. These people were not “deadbeats”, not ppl buying “too much home”. Just average Americans wanting homes and stability for their families! It’s taken almost 10 years for the facts to come out (and MILLIONS of families losing their homes).
This was one of the biggest “cons” played on innocent American families - while our government turned a blind eye. (Won’t even begin to go into the complex, securities schemes behind these mortgages, except families had no idea they had been set-up to fail from the beginning. I find the saddest part of this is how many government agencies, judicial officers, elected officials KNEW the truth and had the power to hold the criminals liable.
What I don’t understand is, where does the builder surface in the arrangement between a potential house owner and the bank? After all the property is first owned by the builder because he creates it and he is the original owner. So does the bank buy the property first from the builder and then loan it to the house owner? Or what????
I understand the numbers easily, but the practical side of things isn't fun. You work from 9-5 for 48 weeks a year and must pay certain amount of money to a financial institution per month for 30 years otherwise you end up on the street. There's no fun in that. No wonder so many people are so depressed all the time.
You have a point but the way i see it is that you have to pay some sort of rent to live anyway. Why not invest it in to something you own rather than work 9-5 for 48 weeks a year and have nothing at all.
Its a very informative video . Thank you very much. If it is possible then can you please make a video which shows that certain amoun of home loan being taken at certain rate for certain years and is paid in form of monthly payment. And it would be great of you to describe the components such as tax and insurance that a;ffects the loan payment and other factors that are considered by financial institution while giving the loan. Thank you.
Can someone tell me, if I get a mortgage for $100,000 and the projected interest I will pay over the life of the mortgage (say 10 years) is let's say another $100,000 on top of that. I then sell the house after 5 years; do I still owe the bank the remainder of the $100,000 projected interest or do I only need to pay back the lended amount?
Whether you’re trying to get out of debt, save more for retirement or just boost your monthly income, there has never been a better time to figure out some ways to make extra money on the side. No longer do you have to settle for a part-time job with a set schedule. Today’s gig economy is all about flexibility. They have researched the following ways to make extra money. This strategy have been put to the test and confirmed they're legitimate. The biggest risk is not taking risks. Bradley Wilbanks has been the man that many people are looking for and his strategy has been of great benefit to me. He will help and guarantee you to earn $7500 weekly and be financially independent. I really appreciate it and can't help but let others know about it. He can be reached at email
Hello, thank you to make this possible. I am a financially uneducated person with a good graduate salary that is struggling to understand all these technicalities and you are making it easier for me. What is an arrangement fee that you mentioned in 11:24?
I have struggled and struggled to understand financial concepts all my life and you have just made it all made sense in a concise and non-patronising way. Thank you so much!!!
Such things they dont teach you at school, this was great!
+Kerri Simpson Agreed
+Kerri Simpson I know. They should teach economics and financial accounting. Instead they teach arts, communications, social studies. Not that these other things aren't good but they should focus on things which will impact us for the rest of our lives.
+Kerri Simpson instead you get useless stuff like stupid religion and home economics
Kerri Simpson I learned this in school in like 3 different classes. At least.
Zachary Winfield private school doesn't count.
So helpful, really opened my eyes. Everyone keeps telling me to buy a house because renting is dead money, and a mortgage really isn't a big deal. Don't know what they're on about as it obviously is a massive deal, glad to have informative videos like this.
Diede Lauwen I bought my first house when I was 21. Sold my car and everything to raise the deposit, best thing I ever did.
@@Kadaf1 can I ask your deposit I'm looking at doing the same thing
Harnett. You have nothing to bargain with when you are old or needs equity. The money that your are paing in rent, the person is paying their morgage with and buying another property. When they send you home after working 40 years, you go back homw with the clothes on your back, nothing to show what you work 40 years for. Nothing to collect rent for to give you a meal. So you can pay someone's rent for 40 years and let them sell the building under you or you can pay a morgage.
@@IamBrendaMarie in 40 years u can buy a house and save cash for your retirement just do the maths
@@alan90810 Thank you. I bought my first house at 21 years.
Didn't know that a mortgage was an asset to a bank. Proves this is a beginners guide to real estate. Thank you for the understanding. Good job!
Excellent video. Very good presentation style and language used, clear speaking, good pausing, good phrasing. I understood everything and i'm a financial dummy :P
I am also a financial dummy 😂😂😂😂
You're a really good teacher, definitely would have listened to you at school if they taught this!
I agree this should definitely be a learning tool in school as some people struggle nowadays!
I wish school actually teach real education instead of gpa
Agreed! We need teachers who KNOW how to teach. We actually really want to learn 🙂
This is definitely a great help for the begginers. Topics that were never taught in school need someone who can define every detail in a thorough manner. Thank you for sharing!
Brilliantly explained, My knowledge of mortgages was non existent and you have gone some way to help me understand. Thanks
Tim you are the best financial professor. i am a CFA level 3 candidate and i find your videos very handy.
You are awesome. It sounds like I am just in the room and you are talking to me. Great pacing...I love the straight forwardness of your side comments. lol. Thank you!
Well so nice tutorial I love it
Beautiful explanation step by step good teacher. I have learned lot of thing from you & also who had so nice helpful comments
Look forward more to watch in near future
Thanks to all
Raj
Tim thanks for your time and your teaching. You are professor!!! and thanks to your team too for helping you out. Good job!!
Excellent video Tim. As an Estate Agent, I found it to be very informative and more importantly, well structured. Thank you for taking the time to make it. Any chance of an updated version explaining the impact of MMR?
I realized that the secret to making a million is making better investment. I always tell myself you don't need that new Car or that vacation just yet and that mindset helps me make more money invest:ng. For example last year I invested 70k in blue chip stocks and crypt0 s (with the help of my advisor of course) and made about 380k, but guess what? I put it back and traded with her again and now I'm rounding up close to a million. Delayed gratification always pays off
@Jasmine Adams I found her on a CNBC market interview, so I looked her up and we begun our awesome partnership.
@Jasmine Adams . .You can connect with her on what'saap
①⑦⑧①②⓪⑧⑧⑦④⑦
My first experience with her gave me the assurance that has made me to invest without fear of loosing and I got four of my friends involved with her already
Personally with $15000 i have been able to earn well $41,000 in my last three weeks of trading with her
You have a gift for straight forward talking.........thanks for the great advice :]
This man is really cleaver honestly, his way of teaching is simple which means he knows a lot!
Great teaching! Made the complexity simple so easy to understand. Also, I liked the pros and cons throughout the topic!
This is what I needed to hear.
No hype, no Brad Pitt salesman type ......and easy to understand.
The things he says should be part of what one is taught at school so as to equip youngsters to more effectively deal with the realities of life.
But then again a smart population means less profit for many institutions.
Sir you are really provided quality content I really like your all video after watching your all video I am feeling yes today I learn something I don't know why you tube not pushing your you tube chenal
Very informative video for people who literally no nothing about mortgages because the school system is fucking useless when it comes to financial education, you’ve just earned a sub sir!
Great explanations!
This was very insightful to learn as a first time buyer!
Extremely informative ! Great use of examples to show the differences, definitely helped me understand.
Interest rate is currently at 4.75%(8th rate hike since March last year) Inflation at 7% and mortgage rates is at over 7.5% but yet minimum wage remains the same and my retirement portfolio has suffered tremendously these past years, so my question is how do senior citizens retire and live off such unstable economy. The long term game is obviously not for me at this point.
It’s getting wild by the day. The prices of homes are quite ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%). Sometimes i wonder if to just invest my spare cash into the stock market and wait for a housing crash or just go ahead to buy a home anyways.
@@hermanramos7092 I get such worries too. I'm 50 and retiring early. Already worried of the future and where its headed, especially in terms of financies and how to get by. I'm also considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?
@@martingiavarini Personally, I can connect to that. When I began working with "Catherine Morrison Evans," a fiduciary financial counsellor, my advantages were certain. In these circumstances, I would always advise getting professional help so they can steer you through choppy markets and just give you indicators and strategies for knowing when to enter and exit the market.
@@hermanramos7092 Please how do I connect to her? My funds are being murdered by inflation, and I'm looking for a more profitable investing strategy to put them to work.
Wow, well explained. You can be a teacher/professor. Thank you very much.
that would depend if the loan is on a reducing basis or a flat basis. If it is reducing, the interest would be calculated on the remaining principal and if it is a flat rate, the interest would be calculated on the original principal. If your banker quotes you a very low flat rate, be aware that you will continue to pay a higher interest through out the term of the facility unlike loans on reducing rates.
sir you give hight quality and simple education and important for a lot of people and for FREE wich i find it amazing , you are simply a hero
Excellent explanation for beginners. Very easy to understand. Thank you!
Never realised how difficult it was to get a mortgage and its harder now in 2016 :(
Grace Anastasia but you did it! I watch your vids. Congrats Grace ❤❤ love your house vids
Thank you so much!! I'm 18 and hoping to buy a house soon so this was really helpful. You're awesome!
Thanks for these videos. They're straight forward, methodical and very helpful!
th-cam.com/video/0cuRPsYoZo4/w-d-xo.html this could help too, hope has value!
Thank you! I'm currently saving for a deposit. This video helped a lot!
lets say for example i borrow 100,000 pounds for a house and i want to pay back using the repay method(i.e not interest only method). i am reducing the money i owe every month because i am paying a small portion of the original principle every month. But every month, is the interest rate charge on the original principal that i borrowed or on the remaining principal i owe right now.
Great vid how do you calculate Mortage or interest payments
Good video - well explained for a beginner!!
Great Video! very well explained, it reinforced my understanding as I was feeling really unsure
Learning the basics is the best first step to buying a home
Great video on mortgage loans. Thanks for posting.
Great video. Felt sick when i found out at 4% 25 years borrowing 300k you end up paying 175k just in interest.
Do the math paying a monthly rent of $1,500 x 12 months x 25 years............ interest is just a small fee to accumulate equity and wealth. Whereas rent is dead money and getting you nowhere in life. It'll make you even more sick. At least after 25 years you'll have 300k to your name.
and chances are the home will worth more than 300k
@@bigpimpin7358 to think that you don't owe money after your morgate where your not paying it over 25 years but 60 years
@@jordanroberts7931 So true
That's one expensive house at 300k 😂
Thanks for making this really simple and easy to understand x
very helpful but still can't find the answer I am looking for. For example, if I now have deposit of 30k, my question is shall I go for 300k house with 10% deposit or shall I go for 150k house with 20% deposit if I can afford monthly payment for both and all other things are the same. Which one would work out better financially in the longer term? Thanks a lot.
My advice is don't get a mortgage at all. You'll be broke for life. No joke. Pay check to pay check is that how you wanna live?
Extremely helpful, thank you very much for this clarification!!
Such a good teacher!
Going on holiday with your mortgage! that is madness indeed! interesting stuff - and very clear :) good video!
Best financial lecturer I've seen. Saw this video a year ago when I started looking into buying my first house, it helped a lot. Currently renting and I'm halfway to saving £70k for a £170k property with a £100k mortgage which should yield a "good" interest rate.
See my comment do the math this is finacial stupidty
Not smart unfortunately
very good video, simple, clear, and good for a beginner
Brilliant explanation!
Is there a video posted for Mortgage Backed Securities?
Many of us are still fighting for our homes bought between 2005-2008. We weren’t told we were contracting into complex security “schemes” and/or the lender inflated the value of the home. The “NationalMortgageSettlement” didn’t give.a dime to homeowners. All the $ went to the “too big to fail” banks.
Biggest “con” ever played on homeowners. The alleged bank (“plaintiff”) NEVER appears in Court - just their “lawyer”. These homeowners don’t even get their equity and most of them were society’s most vulnerable.
Fantastic video, just what I was looking for. Really helped putting things into perspective for me. Thank you!
Perfect video for what I was after. :D
Me an my partner might have to deal with this very soon an videos like this are so helpful!
Thankyou!
xxx
great stuff Mate, well explained and easy to follow
You've been really helpful thanks
I had no idea what a mortgage was.
I watched this video.
Now I feel like a genious.
Best video out their for understanding mortgages for me as a teenager
Outstanding presentation. Thanks
so if I decide to get a mort gage is it possible to have the loan in cash
yes
imran qadir so the bank will count the physical currency out in a back room and give me the loan?
frisbyrb5
Are you talking about paying your down payment in cash? Then yes they would just take your cash and count it.
no they wouldnt hahaha they wouldnt let anyone run off with that much cash, it would be done via a bank account
With the uncertainty of the new year, everyone should be worried about the state of the stock market right now, and might be considering the best stocks to buy that can keep your portfolio on track.
I’m trying to build a solid portfolio myself, Starting early is one of the best ways to build wealth.
@@aureliocantos8466 Absolutely, fortunately my financial advisor Dan Raziel was able to build a portfolio which helped pay off my mortgage, cleared my debt and greatly increased my annual earnings through consistent trading in stocks and crypto. Retirement came early with no regrets.
@@noelstout3056 I’m trying to have someone on my team who know how the market works and get its benefits. How reliable and profitable has Dan Raziel been?
@@amberhills5296 Dan has been handling my investment for 3 years, and my portfolio has grown rapidly. In my first 5 months I got a trade profit of $94,000 with an investment of $20,000. His analysis are sure and his stakes are at near zero risks. He manages all risks effectively and I’m confident in the future performance of my portfolio.
@@noelstout3056 I can work with that. I need more info on Dan Raziel’s services, you got any possible means of getting through to him?
Really good explanation. Thanks a lot.
Now I can finally pay back my mortgage. I have been in debt for 37 years. I've been stalling since 1982. Absolutely fucking buzzing. Thank you Carl.
Benefits Ben I’ve been in debt since 1867 BITCH!!!
Minging Mik miger
I learn something every time I watch a mortgage video, even if it is in pounds!
Amazing tutorial!! Thanks for sharing such an informative and educative video. It was very helpful
Is there a second part to this video?
Really helpful video. Thank you for sharing.
This was super helpful! Thanks man!
You just saved me from making the biggest mistake for 25 years. I'm not even going to buy anymore. I will wait and save up more money.
Can you explain buy to let mortgages? I know the equity and interest rate tends to be higher, but still difficult to understand. Many thanks
Buy to let?
Dakota Walker it means buy to rent out
Thanks...this was really really helpful !
this guy is great , and he is very informative !!
great info and well presented
So useful, thank you so much!
Thank you for making this tutorial, very helpful.
can anyone tell me where to find a mortgage if I want to put my existing home as a deposit without paying any money upfront? And what is the term for that sort of morgage, coz I can't find it on the net?
a bank
hi tim :) thanx a lot for all your nice videos .. i found them very useful :) i am wondering if you can you do videos on buy back of shares and collective investment vehicles ( with as much details as possible)... i am a student from india and i will be very glad to learn from you ... you are a brilliant teacher :)
It was indeed very helpful, and it would be great if you could kindly make a part of this mortgage deal. Thanks
Thank you very much. Clicking away with a lil education in tow
th-cam.com/video/0cuRPsYoZo4/w-d-xo.html this could help too, hope has value!
Pretty good, usually the hardest part is saving the deposit but once you've got that its easy 😅
The reason our most vulnerable members of society were targeted with “predatory loans” in 2004-2008, especially. Loan-to-values were inflated so lending was available to people without the down-payment. Mortgage “brokers” sought out our most vulnerable- enticing them into buying homes. Teaser-rates (low rates for first year or two) converted into adjustable-rate mortgages after the teaser period. Brokers reassured buyers they’d have no problem refinancing BEFORE the conversion (or end of teaser rate.). This WOULD have worked, but when housing prices plummeted, these homeowners were stuck with (very) high-interest rates, unable to refinance, “underwater” as their home was now worth much LESS than what they purchased it for.
Homeowners stuck with paying exorbitant interest rates (many increasing every six months) and UNABLE to sell. These people were not “deadbeats”, not ppl buying “too much home”. Just average Americans wanting homes and stability for their families! It’s taken almost 10 years for the facts to come out (and MILLIONS of families losing their homes).
This was one of the biggest “cons” played on innocent American families - while our government turned a blind eye. (Won’t even begin to go into the complex, securities schemes behind these mortgages, except families had no idea they had been set-up to fail from the beginning. I find the saddest part of this is how many government agencies, judicial officers, elected officials KNEW the truth and had the power to hold the criminals liable.
What I don’t understand is, where does the builder surface in the arrangement between a potential house owner and the bank? After all the property is first owned by the builder because he creates it and he is the original owner. So does the bank buy the property first from the builder and then loan it to the house owner? Or what????
You're a wonderful teacher!
Thanks Tim, It was presented neat !
I understand the numbers easily, but the practical side of things isn't fun. You work from 9-5 for 48 weeks a year and must pay certain amount of money to a financial institution per month for 30 years otherwise you end up on the street. There's no fun in that. No wonder so many people are so depressed all the time.
Anthony Kernich loser mentality
@@assjulio79 Slave mentality.
You have a point but the way i see it is that you have to pay some sort of rent to live anyway. Why not invest it in to something you own rather than work 9-5 for 48 weeks a year and have nothing at all.
live with family as long as possible
going off topic here, I am 62...do you think I could have a career if I passed Cemap
Learned a lot re: mortgages
opened my eyes, was naive to mortgage. hope can get a house soon.
th-cam.com/video/0cuRPsYoZo4/w-d-xo.html this could help too, hope has value!
Excellent video!
Thanks a lot, very informative!
I feel so fucking smart now.
l know right
hahahahaha
Anyone know how life insurance works?
superb..must say ...u r great teacher
Now all I need is a job to be able to get a mortgage.
And usually a five to ten percent deposit
Mene Tekel a job, a deposit and a good credit score
Why are you waiting for the government before you can get a job, why don't you create something for your self to make the world change...
A decently well paid job that’s the difficult part
Good luck man hope you get a job soon ✌
what if you need five hundred thousand? would the ltv be 500%
jesus.. much appreciated.. what a great lecturerer
What happen's if you're 4/5 years in and want/have to move?
Love this channel, great video
Great explanation. Great graphics. Great Vid :)
Loved it your an excellent teacher
really clear teacher
Its a very informative video . Thank you very much. If it is possible then can you please make a video which shows that certain amoun of home loan being taken at certain rate for certain years and is paid in form of monthly payment. And it would be great of you to describe the components such as tax and insurance that a;ffects the loan payment and other factors that are considered by financial institution while giving the loan. Thank you.
Can someone tell me, if I get a mortgage for $100,000 and the projected interest I will pay over the life of the mortgage (say 10 years) is let's say another $100,000 on top of that. I then sell the house after 5 years; do I still owe the bank the remainder of the $100,000 projected interest or do I only need to pay back the lended amount?
Whether you’re trying to get out of debt, save more for retirement or just boost your monthly income, there has never been a better time to figure out some ways to make extra money on the side.
No longer do you have to settle for a part-time job with a set schedule. Today’s gig economy is all about flexibility. They have researched the following ways to make extra money. This strategy have been put to the test and confirmed they're legitimate.
The biggest risk is not taking risks.
Bradley Wilbanks has been the man that many people are looking for and his strategy has been of great benefit to me. He will help and guarantee you to earn $7500 weekly and be financially independent. I really appreciate it and can't help but let others know about it.
He can be reached at email
Very interesting and well explained video, thank you.
Thank you so much for this! Truly helped
Hello, thank you to make this possible. I am a financially uneducated person with a good graduate salary that is struggling to understand all these technicalities and you are making it easier for me.
What is an arrangement fee that you mentioned in 11:24?
what if you needed 500k would your percent be 500??