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  1. #1
    Registered User ChaliHo's Avatar
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    Question Who here took out a Home Equity loan to buy their sportscar?

    My friend got Porsche using a home equity loan, I was wondering if this is common, all I know is my Uncle said its a bad idea to do that
    They're virtue signalling to acquire online social justice credits and virtual kudos as compensation for their complete absence of personality or individuality - lightsarefallin
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  2. #2
    Registered User blazenbb's Avatar
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    I sold my kidney for a supercharger. If I had a house, I would. Think if you could take out 50% on a 200k house. Could easily buy a used lambo
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  3. #3
    Hunter/Fisherbreh Redfish225's Avatar
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    Nope, I have a 95Z28 I bought back in 94, dropped about 4K in parts recently, rebuilt myself. Just over 700hp all motor, kicking ass and taking names.
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    Registered User IronKrazy's Avatar
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    Originally Posted by Redfish225 View Post
    Nope, I have a 95Z28 I bought back in 94
    Dis muthafuka time traveled for a Camaro. Damn.
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  5. #5
    ⊗♠⊗♠⊗♠⊗♠ ♠⊗♠ rectifryer's Avatar
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    Originally Posted by IronKrazy View Post
    Dis muthafuka time traveled for a Camaro. Damn.
    You aware model year precedes the actual year?
    If you smile when receiving a text

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  6. #6
    Registered User iloveus's Avatar
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    Absolutely terrible financial decision
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  7. #7
    Registered User nosirrahx's Avatar
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    A loan is a loan.

    If your bank will give you a loan against your house for a lower rate than the dealership will then why the hell not?

    This isn't really a question about home equity loans, its a question about taking a loan out to buy a fun car.

    The answer to this depends on a lot of factors, mostly whether or not this loan will screw up your financial plans for the future.

    Having a fun car is more of a life changing experience than you might think. I got in just to have something fun and fast but ended up making hundreds of friends over the last 6 years, I was not anticipating that.

    If I really wanted to I could do cool car stuff with friends 7 days a week, there really isn't another hobby that compares to this.
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  8. #8
    Registered User samsbolton's Avatar
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    Originally Posted by nosirrahx View Post

    Having a fun car is more of a life changing experience than you might think. I got in just to have something fun and fast but ended up making hundreds of friends over the last 6 years, I was not anticipating that.

    If I really wanted to I could do cool car stuff with friends 7 days a week, there really isn't another hobby that compares to this.
    Literally nobody asked
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  9. #9
    Registered User blazenbb's Avatar
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    Originally Posted by ChaliHo View Post
    Its a risk to do that. Only reason people do this is to floss. Just buy a car you can afford without making a risky loan move that could hurt you in the end.
    Only risk is you won’t be wheeling as many broads. If your house was 300k, you could get a used R8 and lambo. Swimming in poon when bitches hear about your fleet of super cars and sees the fobs
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  10. #10
    Registered User nosirrahx's Avatar
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    Originally Posted by blazenbb View Post
    Only risk is you won’t be wheeling as many broads. If your house was 300k, you could get a used R8 and lambo. Swimming in poon when bitches hear about your fleet of super cars and sees the fobs
    I wonder how many guys actually believe that this is how things go when you buy a nice car?
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  11. #11
    Works fine though CrookedDink's Avatar
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    Originally Posted by nosirrahx View Post
    I wonder how many guys actually believe that this is how things go when you buy a nice car?
    Anecdotally...everyone that doesn't own or has never owned a nice car thinks this.

    Reality is you get car guys coming up to you 98.44% of the time, as im sure you know lol
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  12. #12
    Registered User DrFeeIGood's Avatar
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    OP you 100% cannot afford this car LOLOL don't be stupid. You aren't impressing anyone.
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  13. #13
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    Originally Posted by samsbolton View Post
    Literally nobody asked
    You drive a mini

    Isn't it 10+ years old too?
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  14. #14
    test the limits RobParks2M's Avatar
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    I found something equally good to having a lambo. Buying a Lambo FOB and jacket. Walk into the bar and just exhale and say "man what a great day to ride with the top down..."

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  15. #15
    Fuk BLM luckyboy23's Avatar
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    Originally Posted by ChaliHo View Post
    My friend got Porsche using a home equity loan, I was wondering if this is common, all I know is my Uncle said its a bad idea to do that
    Not a good idea IMO.

    Lots of lulzworthy posts ITT.

    Nosirrah makes some valid points.

    No self brag, and I'm not even going to post details about the make and model car I bought brand new. Hint: Starts with a P and the model has 3 numbers (not electric). Purchased brand new, $168k MSRP... Not a single piece of pussy was thrown at me since I bought it other than two teeny boppers in a Ford Focus asking if I will be their sugar daddy.. Nothxjeff... You know what I get a lot of? Dude's trying to be my friends and haters. That's it.
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  16. #16
    Registered User Destor's Avatar
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    Well if you'll be taking out a loan to buy any car, a home equity loan is probably the way to go. Or some other type of secured loan for lower interest rates


    ^^^ Buying a sweet sports car sounds a lot like building a sweet physique
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  17. #17
    Registered User samsbolton's Avatar
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    Originally Posted by Halfway View Post
    You drive a mini

    Isn't it 10+ years old too?
    18 years old. One of th first off the line.

    I set trends, not follow them
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  18. #18
    Registered User nosirrahx's Avatar
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    Originally Posted by CrookedDink View Post
    Anecdotally...everyone that doesn't own or has never owned a nice car thinks this.

    Reality is you get car guys coming up to you 98.44% of the time, as im sure you know lol
    Pretty much. There is nothing wrong with that though as long as you are actually looking to make car friends to do car stuff.

    This summer about half of the cruises I have run ended up picking up additional cars at the start point. We have had people randomly join cruises as well.

    This is a shot from my cruise yesterday, I have known some of these guys for only a few months.

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  19. #19
    Registered User samsbolton's Avatar
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    Originally Posted by nosirrahx View Post
    Pretty much. There is nothing wrong with that though as long as you are actually looking to make car friends to do car stuff.

    This summer about half of the cruises I have run ended up picking up additional cars at the start point. We have had people randomly join cruises as well.

    This is a shot from my cruise yesterday, I have known some of these guys for only a few months.

    What does that have to do with the thread topic
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  20. #20
    Registered User nosirrahx's Avatar
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    Originally Posted by luckyboy23 View Post
    Not a good idea IMO.

    Lots of lulzworthy posts ITT.

    Nosirrah makes some valid points.

    No self brag, and I'm not even going to post details about the make and model car I bought brand new. Hint: Starts with a P and the model has 3 numbers (not electric). Purchased brand new, $168k MSRP... Not a single piece of pussy was thrown at me since I bought it other than two teeny boppers in a Ford Focus asking if I will be their sugar daddy.. Nothxjeff... You know what I get a lot of? Dude's trying to be my friends and haters. That's it.
    The haters are kind of annoying because its how they got to be that way that is the problem. Their sh!t attitude about success and successful people is triggered at the sight of nice stuff.

    You can even see it in this thread.
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  21. #21
    Registered User ChaliHo's Avatar
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    Originally Posted by luckyboy23 View Post
    Not a good idea IMO.

    Lots of lulzworthy posts ITT.

    Nosirrah makes some valid points.

    No self brag, and I'm not even going to post details about the make and model car I bought brand new. Hint: Starts with a P and the model has 3 numbers (not electric). Purchased brand new, $168k MSRP... Not a single piece of pussy was thrown at me since I bought it other than two teeny boppers in a Ford Focus asking if I will be their sugar daddy.. Nothxjeff... You know what I get a lot of? Dude's trying to be my friends and haters. That's it.
    yeah its cringeworthy when guys say you will get pussy if you got a nice ride, the only times I see someone going to you if you got a nice care is guys, car jackers, and haters, a lot of haters will key the **** outta your new sports car.
    They're virtue signalling to acquire online social justice credits and virtual kudos as compensation for their complete absence of personality or individuality - lightsarefallin
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  22. #22
    Registered User ChaliHo's Avatar
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    Originally Posted by nosirrahx View Post
    Pretty much. There is nothing wrong with that though as long as you are actually looking to make car friends to do car stuff.

    This summer about half of the cruises I have run ended up picking up additional cars at the start point. We have had people randomly join cruises as well.

    This is a shot from my cruise yesterday, I have known some of these guys for only a few months.

    Which one is your ride and did buy it with a home equity loan?
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    Originally Posted by ChaliHo View Post
    Which one is your ride and did buy it with a home equity loan?
    NSX. I am retired, 5 years ago. I co-founded a software company and it did quite well.

    The 488 to is owned by a guy with a similar story. Retired, sold his parts machining company and retired.

    The guy with the Huracan I think actually did though. He is an electrician (owns his own company) and also owns multiple rental properties. I am pretty sure he tapped into equity for the car loan.
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    Get the feeling OP just wants people to say that his friend is stupid for taking out a loan to buy a Porsche. In reality, whether or not it's smart hinges entirely on your financial situation and not the fact that a secured loan was used to buy the car


    There are plenty of scenarios where it would be smarter to use a loan rather than doing something silly like handing off $100-200k of available funds
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    Would do it to open a business
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    Originally Posted by rectifryer View Post
    You aware model year precedes the actual year?
    It was a joke rectum. Don't be so water tight.
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    Originally Posted by Destor View Post
    Get the feeling OP just wants people to say that his friend is stupid for taking out a loan to buy a Porsche. In reality, whether or not it's smart hinges entirely on your financial situation and not the fact that a secured loan was used to buy the car


    There are plenty of scenarios where it would be smarter to use a loan rather than doing something silly like handing off $100-200k of available funds
    Not really, I wanted to hear different opinions on the matter if anyone here used one to buy one, my uncle claims it’s stupid and risky, but my friend thinks it’s okay and took a home equity to get his Porsche.
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    Originally Posted by ChaliHo View Post
    Not really, I wanted to hear different opinions on the matter if anyone here used one to buy one, my uncle claims it’s stupid and risky, but my friend thinks it’s okay and took a home equity to get his Porsche.
    The stupidity of a loan is attached to its impact on your future. If there is no real negative impact then why would it matter?
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    Dumb or not depends on the interest and repayment time. Rates are low now so a straight up purchase you'll do OK regardless, but the cool thing about reworking the house financing is you can maybe write off that interest and stretch the pay back time so it's less painful on the monthly bills... and you'd own the car outright.
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    Originally Posted by nosirrahx View Post
    The haters are kind of annoying because its how they got to be that way that is the problem. Their sh!t attitude about success and successful people is triggered at the sight of nice stuff.

    You can even see it in this thread.
    This will go over your head but I’ll say it anyway

    It’s literally just you and one or two others on here who are legends in your own mind and try and flex on young men on this forum. I know other people here, and in real life, who are genuinely successful and I don’t give them any flak at all.. because they aren’t obnoxious about it.

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    https://forum.bodybuilding.com/showthread.php?t=179519773&p=1627255163#post1627255163
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