Informacje finansowe

filtuse asked:


If any of you have hurt by mortgage crisis, could you please tell me your story and how do you handle your finance. How much percentage did your house’s price dropped? Is it affected your lifestyle?

2bright4u@sbcglobal.net asked:


The buyer for our home just backed out and we have to close next Friday on the house we had made an offer on. We don’t have enough cash on hand without our equity in this house to make the down payment. Is there anyway we can get a loan to make the down payment so we can move ahead with the purchase. I would rather not get a bridge or finance 100%.

JoeB asked:


I’m looking to do some major rennovations on my house and figuring out the best way to finance it has been racking my brain. I just can’t figure out the pros & cons between refinancing, 2nd mortgages, home equity line of credits, etc.

A little background on the house, It is located in North NJ in a very high demand area. I bought the house over 6 years ago for $215k, it’s currently valued around $380k. Our current Mortgage is around $175k. I estimate my renovation to cost around $200k-$250k. We plan to be in this house for a long time. We’re looking to add a 2 car garage, extending the living room, redoing the kitchen and adding a master bedroom.

any advice on what direction I should head in and pifalls to look out for would be greatly appreciated.

Free Indeed asked:


I’m planning to “flip” a house in the midwest, but I’m not sure how to go about financing. I plan to purchase the house for $130k, spend $20k in repairs, and sell for $160k. I would need to finance the purchase and repairs.

1) I don’t know what type of loan to go with

2) I don’t know if it’s better to go to a bank, like National City, a financing company, like CitiFinancial, or a different type of company…

Jim asked:


I live in Colorado and plan to purchase a home. Before I move in, I’d like to add two bedrooms and a bath. What’s the best way to finance this all at the same time?

Georgina asked:


I signed to purchase a home for $700,000. House will not be done until April 2007. Between now and then, if the prices of the homes drop, will I be obligated to pay what I signed up for or do I only finance what the house is worth at the time?
FYI - contract was signed with a builder. You can not qualify for an amount more than the appraised value, shouldn’t this be reason for them to take the price down? Also, since it is quickly becoming a buyers market, shouldn’t I be able to leverage that and negotiate with the builder? Any suggestions on how I can do that?

ConfidentSmartass asked:


A friend will be going from Indiana to downtown Chicago for the non-paying internship. Its his first shot at the finance field during undergrad. Is it worth it?

GoPack asked:


I’d like to buy or build something like Public Storage. What’s the best way to know where to build, find the land (or existing storage facility) and finance the purchase?

Casper K asked:


Ok, this is starting to get rather confusing. I am looking to buy a home in a surprisingly cheap neighborhood. The house I am interested in purchasing is under $50,000. My credit qualifies me for a bad credit loan, but no one wants to finance for such a small amount. I am definately trying to live within my means and do not necessarily want to purchase a higher value home just because I can. Does anyone have any idea where I can finance such a house even though my credit is tarnished (but getting fixed due to multiple discrepencies)? I know there are different requirements depending on the state. My state is PA, and I am first time homebuyer.

maganda asked:


Hello. I am attempting to buy a foreclosure in San Diego that is a single family residence with a total square footage of 528. I was told it is difficult for banks to finance anything under 600 square feet. The house is in good shape but its tiny. I need financing asap since the bank already accepted my offer. Thanks.