Discover and read the best of Twitter Threads about #mortgage

Most recents (22)

Quick thread on Price-to-Rent Ratio?

The price-to-rent ratio can be helpful for gauging whether or not an area is “fairly” priced, or if it’s in bubble territory.

To determine the price-to-rent ratio in a given area, divide the median home price by the median annual rent.
Generally, a price-to-rent ratio higher than 21 means it’s cheaper to rent in that area.

As of 2019, the price-to-rent ratio in San Francisco is over 50, the highest in the US.
For every $1,000 you’d spend in rent, you’d have to pay $601,362 to buy something comparable.
e.g. a place that rents for $4,000/mo. would cost roughly $2.4M to buy.

At that rate, it’s cheaper to rent than to own, as the estimated monthly mortgage payment would be around $10,000.
Read 7 tweets
CROONICLE: A Guide on PTSD Cause and Symptoms croonicle.com/2022/03/a-guid…
CROONICLE: Meditation for Positive Thinking and Health croonicle.com/2022/03/medita…
CROONICLE: Guide on Digital Entrepreneurship croonicle.com/2018/03/guide-… #onlinebusiness
Read 30 tweets
Looking forward to an august panel discussion on how the economy can be reshaped to help better deliver on our #NetZero and #LevellingUp agendas #NEFBriefing
.@Miatsf opens the panel by welcoming the progress that has been made to date in getting finance more interested in #NetZero & #LevellingUp, but there is still progress to be made - for example, low levels of investment in #SMEs despite them being drivers of growth #NEFBriefing
First speaker @JosephEStiglitz discusses how to use the credit system to accelerate a green transition. Says historically financial institutions have made "strong statements" about wanting a green portfolio, but critics fear this may just be "greenwashing" #NEFBriefing
Read 59 tweets
Tragic! Astoria oregon debates not so affordable "workforce" housing

As shelter is closed!
Why is the heritage square project skewed for people making more than 45k a year?

#mortgage #debt to cover the cost based on higher rents
Why do rich kids in astoria think 45k income as 60% average mean is "low income"
#scaling
Read 13 tweets
🏗 Real estate boom will continue, capitalization of developers will grow, according to RDV sources.

Need for families in #Russia for real estate is so much higher than supply of #developers that prices for square meters will inexorably rise.
$SMLT $PIKK $LSRG $ETLN

Thread 🧵👇
The volume of the #RealEstate market in 2020 amounted to more than 17 trillion rubles - this is the second consumer market in #Russia.
Growth potential of share of top 5 #developers is 250% - up to level of consolidation of #grocery retail market comparable in size. Along with growth of share of large players, their revenue is growing. Top 5 public developers include #Samolet, #PIK and #LSR.
$SMLT $PIKK $LSRG
Read 6 tweets
🛑New Article ALERT!!! 🛑 Free up cash and save money using your mortgage .

📌Having a mortgage doesn't have to mean the end of your savings.
Check it out: timidbee.com/post/free-up-c…

#timidbee #mondaymotivation #mondaythoughts #finance #COVID19 #Cryptocurency #DigitalMarketing 🛑New Article ALERT!!!  🛑 Fr...
📌What are the mortgages types?

💢PRINCIPAL AND INTEREST MORTGAGE
💢INTEREST ONLY MORTGAGE
💢REVERSE MORTGAGE

Details here: timidbee.com/post/free-up-c…

What mortgage type do you prefer? Let us know in the comments⬇️⬇️ .

#timidbee #Finance #WisdomWednesday #money #investment #cash 📌What are the mortgages typ...📌What are the mortgages typ...
Having a mortgage doesn't have to mean the end of your savings. Use it to free up cash and save money: timidbee.com/post/free-up-c…

#timidbee #finance #mondaythoughts #MotivationMonday #money #SundayMorning #COVID19 #cryptotrading #investment #Monday
Read 6 tweets
Lumber Prices Are Soaring. Why Are Tree Growers Miserable?
Sawmill operators harvest gains while Southern landowners struggle with tree surplus; ‘I’m not making anything’

wsj.com/articles/lumbe…
Mortgage Companies Want In on the IPO Boom. Investors Aren’t Convinced. 

Initial public offerings for mortgage lenders haven’t worked out the way all the companies were hoping
wsj.com/articles/mortg… #realestate #rates #home #housing #credit
Read 11 tweets
#Kushner wasn't "successful" til he got a WH job. He & #Ivanka owed $1.4 BILLION on their #mortgage til foreign investors prepaid nearly a century in rent. They got a self-serving taxcut into law & raked in $90 mil from undisclosed overseas sources, most Saudi Arabian. >thread
By the time #Jared & #Ivanka became White House Senior Advisers, they were a little late on their #mortgage. The Washington Post reported that by March 1, 2018, they owed $1.4 billion on 666 5th Avenue.

That's a B. >2 washingtonpost.com/politics/jared…
2 months after WashPost reported #Kushner owed $1.4 billion, a company "swooped in & agreed to take a 99-year lease on the building, paying a near-century’s worth of rent upfront." The #Qatar Investment Authority was a leading investor in the company. >3 nytimes.com/2018/05/17/nyr…
Read 12 tweets
As we head into the U.S. #election, there will continue to be a lot of noise that may lead to near-term #market #volatility, particularly since (as we’ve long argued) #markets appear to be able to only focus on one thing at a time!
Still, at times like this it’s crucial to focus on more consequential factors that will drive #markets in the years ahead: in this case, the powerful combination of @federalreserve #monetarypolicy and #fiscal rescue measures intended to keep the #economic engine on track.
So, while many will continue to be skeptical of the sustainability of this #economic recovery, we’ve been impressed by its strength, particularly in the #interest-rate-sensitive segments of the #economy, like #housing, which is going through the roof!
Read 8 tweets
...though basically unchanged in 3 1/2 years

#Housing
And, those good ole #FederalReserve policies again mean the monthly cost of an average #NewHome (approximated here) is back where it was 15 years ago...

#housing #QE
...while, as a proportion of the average weekly wage )as per #NFP), well - you can see for yourself:-

As we always say, there'll always be a scarcity of something real as long as there are few such constraints on #money & #credit creation.

#mortgage #RE
Read 5 tweets
The #UKGovernment Torture Report

This is a very short overview of what the #UKAuthorities have done in the case.

#PraiseTheLORD #PraiseGod #Borisjohnson #Downingstreet #PritiPatel #UKParliament #Dailymail
In 2005, I set up a business selling CDs, namely mixtape CDs after graduating from Uni.

In 2006, my home was raided & my business was stopped. They said the CDs I was selling were in breach of copyright.
It was a complete shock as the exact same CDs I was selling were prevalent on most high streets and supermarkets. They were selling in their thousands in places such as #Tesco & #HMV. And #Woolworths were the actual UK Distributor of these CDs.
Read 91 tweets
A lot of people are worried about their #mortgage in the wake of #COVID19 and rightfully so.

Optimists say that since rates are super low that we won't have any issues. I want to dispel that myth. Let's explore what's going on and what happens moving forward.

Thread
The major factor is unemployment. This excellent graph from @TheBlock__ shows the speed and magnitude of what #COVID19's slowdown is doing. 10 million unemployed in 2 weeks means a lot of folks will be stressed when it comes time to pay rent/mortgage.

It's unprecedented. Image
To understand what's going on now I need to take you back a little first. Let's explore the past year.

In short, lenders have been stressed due to high demand, and lag times are hurting those waiting for their refinancing loans to close.
Read 19 tweets
This will not have the impact on #housing that you think that it might. This is insufficient.
...“we can still get evicted after that moratorium is lifted if we're so behind on everything, that we don't have all of the back #rent ready? What if the landlord doesn't want to work with the tenant on paying them back in increments..?"
“it’s like a #rent “loan”. It helps in the beginning, but you better hope you make 2-3 times the amount when you're allowed to go back to work -otherwise you'll be in rent debt. It’s basically kind of a #housing band-aid.”
Read 10 tweets
Recent actions by the @federalreserve have been awe-inspiring; I’m not sure what words would be stronger than that- but they’re required.
The #Fed has gotten at interest #rates, the #mortgage market, the financing markets, and the #Treasury market (and particularly the functioning of the off-the-run-issues).
Specifically, tonight we’ve seen an historic 100 basis point #policy rate cut (and a commitment to maintain it until conditions normalize), #bank borrowing from the discount window cut 150 bps, to 0.25%, with term #funds to be offered…
Read 8 tweets
ABD tahvillerini takip eden #mortgage oranları yıllık %3'ün altına yönelmiş. Başka deyişle; aylık %0.20 ile 30 yıl vadeli kredi alabilsek, peşinatı da %10'da tutsak... metropollerde emlak fiyatlarına ne olurdu acaba 😈
Bu şartlarda TL borçlanıp #reel varlık almak tatlı bir ümit şimdilik. Hayal bulutlarını üfleyip gerçeğe dönelim. Bu oranlarla borçlananlar 30 yıl boyunca TL değil #dolar geri ödeyecekler. Bizde 0.20 olmasa da 0.40'lı oranlardan JPY ve CHF cinsi ev kredisi alanlara ne oldu peki 🤔
Borçlu mu kazanacak, alacaklı mı?
Resesyon mu, enflasyon mu?
Reel varlık mı, kağıt para mı?
Biriktirmek mi, saklamak mı?
Sorular zor. Sorular düşündürücü. Neyseki dolar ülkesinde yaşamıyoruz da cevaplar bize kolay... farkları fark edebilene 😎
Read 3 tweets
Acquiring your house with the FMBN Mortgage Loan.

1. Be a contributor to the NHF;

2. Get an offer letter in your property of interest;

3. Open an account with a PMB (Preferably @FHAmortgage_ )

4. Fulfill the terms for FHA to make a loan application on your behalf @FMBNigeria
5. Your application is processed by FMBN ( board sits 4 times annually);

6. Approval will be communicated to @FHAmortgage_ which will in turn request that you meet some pre-disbursement conditions;

7. Upon meeting these conditions, your submissions are sent to @FMBNigeria
8. You submissions go through their internal processes like IRO, Credit/ Risk Analysis, Legal etc;

9. Subsequently, a draw down ( terms for disbursement) is generated and communicated to you via FHA;

10. Funds ( your load) will be released into your FHA account;
Read 14 tweets
Thanks to those that made comments on my tweet on the possibility of Nigerians getting mortgage loans for home ownership. It’s really not about the banks as it appears. It’s more about the structure of our politics and our economy. #mortgage
2. The banks are also victims of a system where a few use political power to control economic resources to benefit themselves to the detriment of the majority, though the banks are also controlled by members of the elite class. #mortgage
3. It is not just that the elite class does not care, it is that it does not want the current structure to change because it has access to the commonwealth and finds it easy to manipulate a hungry citizenry. #mortgage
Read 18 tweets
#mortgage rates tick up this week
freddiemac.com/pmms/

charts!
1/
still super low though

2/
3/
Read 7 tweets
.@NYTimes says the typical federal worker has missed $5,000 in pay so far due to the #TrumpShutdown. Good analysis.

But let’s discuss the long-term impact & how this disruption will hurt the personal finances of our fellow Americans for YEARS to come. /1

buff.ly/2FuiC8x
An economic shock, like the sudden loss of a paycheck, usually has very long-term negative effects. It’s not just a blip.

Even if people get their back pay, or land another job, this #TrumpShutdown will burn folks in many ways for months or years after it’s officially over. /2
A study from @pewtrusts found that when people face a major financial shock, including a significant reduction in income, by six months later, 50% of those impacted by the financial shock still hadn’t recovered. /3

buff.ly/2QUm5ym
Read 14 tweets
Is there a #Banking #Chatbot to answer the following frequently asked questions? #CX #helpdesk #CustomerSupport #Insurance #Finance #Loan #mortgage #UserExperience #UX #Startup

Number of free ATM Transaction in a Month
Charge per ATM Transaction after the free limit is over
Maximum limit of ATM Transaction in a Day
Maximum limit of Cash Withdrawal in a Day
Maximum limit of Cash Withdrawal from the ATM in one Transaction
NEFT Transaction Charges
IMPS Transaction Charges
RTGS Transaction Charges
NEFT adding New Beneficiary Time
IMPS adding New Beneficiary Time
RTGS adding New Beneficiary Time
Maximum Transaction limit for first 24 hours
Maximum Transaction limit after 24 hours
New Checkbook issue Charges

#Zendesk #freshdesk #GrooveHQ #happyfox #Salesforce #CustomerExperience #CoreBanking #AI #Forum
Read 5 tweets
This all started because the #MetPolice & #LBRUT couldn't do their day jobs properly & decided to take the law into their own hands. It started as a small cover up 12 years ago but has turned into British State Persecution.

#Skynews #BBCNews #DailyMail #Guardian #Euronews
My company was raided. It should have been a straightforward matter. But the #MetPolice & #LBRUT forgot to seize my computer & came back to do a 2nd raid. The search warrant didn't permit a second entry, however, #LBRUT entered unlawfully

#Guardian #Telegraph #DailyMail #GMB #UK
Complaints were then made to my MP #VinceCable. He liaised with the #Metpolice & #LBRUT. And then weeks later, the search warrant was completely changed & was passed off as the search warrant executed on the day of the raids.

#DailyPolitics #Libdems #Conservatives #labour #bbcdp
Read 147 tweets
This all started because the #MetPolice & #LBRUT couldn't do their jobs properly & then decided to take the law into their own hands. The result of this decision has led to events stranger than fiction

#BBCNews #Skynews #Itvnews #Channel4News #ThisMorning #TheresaMay #UKGov #LBC
My company was raided. It should have been a straightforward matter. But the #MetPolice & #LBRUT forgot to seize my computer & came back to do a 2nd raid. The search warrant didn't permit a second entry, however, #LBRUT entered unlawfully

#Guardian #Telegraph #DailyMail #GMB #UK
Complaints were then made to my MP #VinceCable. He liaised with the #Metpolice & #LBRUT. And then weeks later, the search warrant was completely changed & was passed off as the search warrant executed on the day of the raids.

#DailyPolitics #Libdems #Conservatives #labour #bbcdp
Read 145 tweets

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