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  1. #1
    Registered User hotsaucebrah's Avatar
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    Exclamation Do you actually own a home or are you just renting from the banks & government?

    Don't pay your mortgage and the bank comes and takes it.

    Have your house paid off? Don't pay your property taxes and the government forcefully takes your domicile.
    No Glow, No Go Crew

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  2. #2
    Registered User Anachron's Avatar
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    Originally Posted by hotsaucebrah View Post
    Don't pay your mortgage and the bank comes and takes it.

    Have your house paid off? Don't pay your property taxes and the government forcefully takes your domicile.
    This thread is so original.

    Starting reps 4872.
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  3. #3
    Registered User isingmodel's Avatar
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    I'm a Georgist so I believe all private land should be rented from the commons, but that's a different story
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  4. #4
    LOL no Rabbitjb's Avatar
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    I own 92.3% of it and can liquidate enough to pay off the rest

    But don’t wanna

    LOL at property taxes...what do they pay for?
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  5. #5
    OG @ Castle Grayskull Tornach's Avatar
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    Have the serfs pay the property taxes on your behalf.
    Boom the property is yours.
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  6. #6
    Registered User Destor's Avatar
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    You would need to seriously phuck up for the municipality to sieze your chit over unpaid property taxes. Pretty sure that is almost never used
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  7. #7
    It's not your thyroid MattyMiscer's Avatar
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    You own your home. You are the one who bought it, you have no landlord telling you what pets you’re allowed to have, you are free to knock down a wall and remodel it if you want. You’ve borrowed a ton of money from the bank to pay for the house so now you owe that money back with interest and the house is your collateral for that loan if you fail to pay it back, same way they can repossess your car if you don’t pay it.

    I get what you’re trying to say, but ultimately you have the freedom to do what you want with your house. Just because it’s collateral against a debt does not mean you don’t own it.
    And relief washes over me in an awesome wave
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  8. #8
    Registered User wings_unhinged's Avatar
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    I pay 0 in property taxes brah.
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  9. #9
    Registered User sgregor249's Avatar
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    do you own anything if you just die in the end?
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  10. #10
    6'0" 200 nothingshocking's Avatar
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    Originally Posted by Rabbitjb View Post
    LOL at property taxes...what do they pay for?
    schools, parks, roads...
    This machine is obsolete
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  11. #11
    Registered User MuzzieChik786's Avatar
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    I always think it's funny when people say you don't actually own your home once it's paid off. What kind of crazy logic is that?!

    You pay property taxes which goes towards your country not being a chithole third-world country. You have paved roads to drive your clunker cars on, nice parks to take your kids to, and a justice system that keeps you safe. You think that chit is free?

    You pay insurance on your property in case your wife who can't cook accidentally sets the house on fire, at least you'll be able to rebuild without damage to your wallet.
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  12. #12
    Registered User Kawhilights's Avatar
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    It's better to rent and have the landlord factor the taxes and mortgage of his property into your monthly fee.
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  13. #13
    LOL no Rabbitjb's Avatar
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    Originally Posted by nothingshocking View Post
    schools, parks, roads...
    Aha so like council tax which pays for that and also police, fire, libraries, rubbish collection and disposal etc.

    Jeez how much is it that you can default on it and lose your house
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  14. #14
    Pineal gland messomi's Avatar
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    Originally Posted by MuzzieChik786 View Post
    I always think it's funny when people say you don't actually own your home once it's paid off. What kind of crazy logic is that?!

    You pay property taxes which goes towards your country not being a chithole third-world country. You have paved roads to drive your clunker cars on, nice parks to take your kids to, and a justice system that keeps you safe. You think that chit is free?

    You pay insurance on your property in case your wife who can't cook accidentally sets the house on fire, at least you'll be able to rebuild without damage to your wallet.

    you do own it once it's paid off but in the meanwhile you don't I get what OP is saying if you can't pay your mortgage not only will they take your house but you are stuck with the debt on top of that.
    no justice no piss
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  15. #15
    im gon make some shake AltarOfPlagues's Avatar
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    i will own mine outright in just 25 short years
    hello everyone. im coming directly to you fer ask a quick favor.
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  16. #16
    ( . )( . ) Vexidi's Avatar
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    Originally Posted by Rabbitjb View Post
    Aha so like council tax which pays for that and also police, fire, libraries, rubbish collection and disposal etc.

    Jeez how much is it that you can default on it and lose your house
    Depends on the region. The average annual rate in my area is approx 1% of the property value but cities like Austin and Houston are closer to 2%.
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  17. #17
    Jetskibrah leoaa777's Avatar
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    My mortgage is 1000 dollars less than the rent price for a comparable home soooo....I will keep my mortgage thanks OP
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  18. #18
    LOL no Rabbitjb's Avatar
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    Originally Posted by Vexidi View Post
    Depends on the region. The average annual rate in my area is approx 1% of the property value but cities like Austin and Houston are closer to 2%.
    Jaysus...ours is about £1K to £1.5k a year (tied to area and property value)
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  19. #19
    6'0" 200 nothingshocking's Avatar
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    Originally Posted by Vexidi View Post
    Depends on the region. The average annual rate in my area is approx 1% of the property value but cities like Austin and Houston are closer to 2%.
    I'm in the Chicago area - 2% sounds about right maybe a little less
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  20. #20
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    Originally Posted by MattyMiscer View Post
    You own your home. You are the one who bought it, you have no landlord telling you what pets you’re allowed to have, you are free to knock down a wall and remodel it if you want. You’ve borrowed a ton of money from the bank to pay for the house so now you owe that money back with interest and the house is your collateral for that loan if you fail to pay it back, same way they can repossess your car if you don’t pay it.

    I get what you’re trying to say, but ultimately you have the freedom to do what you want with your house. Just because it’s collateral against a debt does not mean you don’t own it.
    but what if you have HOA
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  21. #21
    Punk Jazz pengh's Avatar
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    Bout to re-fi. feelsbadman but fuk it will now be 1K a month for a 3br 2,000 square feet in south florida. Not bad plus taking 20k out for new impact windows and other improvements.
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  22. #22
    Registered User FrankGrimesJr's Avatar
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    Property Tax is basically a legalized form of government racketeering.
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  23. #23
    It's better than prison maori-rap's Avatar
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    Originally Posted by leoaa777 View Post
    My mortgage is 1000 dollars less than the rent price for a comparable home soooo....I will keep my mortgage thanks OP
    This. My monthly mortgage is NOTHING compared to monthly rents for properties in the area. It is also small compared to other mortgages; it will be down to 4 figures before long!

    I'm lucky in that I never had to rent and pay some landlord to live in THEIR property.
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  24. #24
    Banned GainzMcgee's Avatar
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    Originally Posted by MattyMiscer View Post
    ultimately you have the freedom to do what you want with your house.
    Not true, try to build an extension without permits. Try to add solar panels without county approval just lmfaooo at this bootlickercel
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  25. #25
    Punk Jazz pengh's Avatar
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    Originally Posted by GainzMcgee View Post
    Not true, try to build an extension without permits. Try to add solar panels without county approval just lmfaooo at this bootlickercel
    Yeah my nephew and his wife just added an extension. The permits and dealing with the city was a nightmare.
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    I own several houses, but I don’t pay any property taxes. The tenants kindly do that for me.
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  27. #27
    Tiptoe Through the Tulips eXistenceLies's Avatar
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    My property tax is around $10k each year .
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    Platinum Account GerbilFarmer's Avatar
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    Originally Posted by eXistenceLies View Post
    My property tax is around $10k each year .
    Wtf that is awful RIP



    Bank is my landlord OP. Sorry saving up hundreds of thousands of dollars isn’t an option while the prices just continue to rise. But it and make bigger payments.
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  29. #29
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    Either way, if you rent and buy you’ll still get thrown out.. the only true option is to own a mini home that you can pull with a car lmao
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  30. #30
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