Wednesday, 4 February 2009

Agggh!!!

You know, I never really understood why house buying and moving is up there with losing your spouse in the list of the 43 "greatest life stressors". But now I think I do.

I think I have decided that I positively hate the financial crisis. Today I went to the bank, and found that I can't get a mortgage unless both (!!!) of my parents cosign for it!

Now the good thing here is that I have actually talked them into supporting me on this, and J is also being a lot more supportive than he was.

But both parents! And I am borrowing less than 40 per cent of the value of a very small property. I have good credit and am en route to getting a pretty solid job as a psychologist. It's just ridiculous, really.

Basically I am being punished for other people being greedy and taking up loans they couldn't possibly have afforded to repay. OK, maybe not just greedy, maybe also undereducated. And the bank as well, trying to cover its own arse by making it more difficult to get loans for everyone, including people like me, who would be paying way less in mortgage repayments than I will be in rent if I can't buy somewhere for J and I to live once he moves here.

I have some sympathy for people in the financial sector who have lost their jobs, they have kids to feed and homes to keep, but on the other hand I kind of also think that if you chose to enter a career where everything revolves around making yourself and other people richer, without much concern for the common good, then in a way you can't complain when the strategies you've been supporting suddenly disastrously fail.

At any rate.

I am waiting for my mum to ring me back so I can get her to scan and mail all the details from herself and my father to the bank's financial adviser (read: sales person).

Or maybe I should just go live in an unheated garage with no windows near the docks. Then I wouldn't need a mortgage at all.

5 comments:

  1. I totally agree about the banks, its the greedy bosses who are to blame and still they try to pay themselves bonuses for failure. Keep at it, you will get there but increasingly nowadays its hard to achieve what you want.
    Adorable knitting patterns, I think the instruction means you knit the band separately and when you've achieved a reasonable amount you stitch it in place, knit some more and so on. You are going to have to knit exactly the right length and join the 2 ends together. I suggest you stitch it on slightly stretched and maybe work out how many rows covers how many inches to help keep it even. Let me know if that doesn't make sense, good luck.

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  2. Hi, first up thanks for your visit and comment. Suicide is a prickly subject but one that I think should be talked about frequently and openly.

    In regards to your recent post - Yep greed is destructive on many levels. There's a large sector of society that aspire to Greedy Concepts. On a whole Western Societies promote Greed almost daily. More is Best?

    Good luck with your house purchase.

    Where in the world are you?

    Best wishes :-)

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  3. PS I forgot to say that the "apple w sticks" was created by a four yr old who said "is it ok to do this to food?"
    I liked it- took the photo and thought it was a good match for my post :-)

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  4. I'm not sure I agree entirely, they're not just running with the money of some corporate fat cats,

    that's everyone's money.

    It's hard for me to get a new job now, and you can't get a mortgage.

    some people should get put in the stocks, but there's a bunch of really good people that are in the finical sector.

    and at least get a heater for your garage, it's February.

    -Dan

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