O ano é 2026 e você foi a uma universidade assistir a uma palestra sobre cultura e educação
https://video.nostr.build/2b839fc206b6280756958ab26e4e6eb691bd9db94a2c7131f8827573cd9da572.mp4
o cu é lindo
se ao menos elas fossem mulheres... KKKKKKKKKKKKK
do you really think the RISK of defaulting a loan (ANY loan) is the same for:
Person 1: paid 20% collateral
Person 2: paid NOTHING as collateral
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Think again...
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Sorry to burst your bubble on the "patrol of the truth" my dude, but *you* are misinformed.
Putting collateral or not, factors-in A LOT during the underwritting process (you know they have underwritters signing-off before releasing the loans, right?).
Again: it's ok to not being aware of this if you've never went to this process. Now ignoring this fact just to prove a point in a conversation with another anon it's another completely different thing. Have a great day!
which part of the banking not pocketing-in your collateral you don't get?
if you had a mortage you would know the collateral goes to the seller on the closing date
and the bank loans you the remaining 80% of the total sale price
collateral is made so you feel the obligation to pay off your debt even if you carry the loan until your death (and that's the plan)
nostr:npub18lav8fkgt8424rxamvk8qq4xuy9n8mltjtgztv2w44hc5tt9vets0hcfsz entao vc curte uma boneca?
the only problem is: who would pay you thousands of BTC for that? it's certainly an outlier
Look, there's another way to interpret this:
- Banks are not our friends and they don't care if we (homeowners) go underwater
- Also, they don't collect the 20% collateral, you have to pay it directly to the realtor's company (security deposit +1d after you both agree on the transaction AND the remaining of collateral by the closing date) -- meaning this doesn't go to the bank, that lends you the 80% standing out payment (this goes to the realtors' company and after taking their cut the seller receives it in full, but after closing date)
- The collateral payment is just a way to guarantee that you get into the loan really exposed, with skin in the game, meaning that you HAVE to pay, otherwise if you default, you lose all of the collateral and the bank can dump the house at face value on foreclosure, pocketing-in any interest already paid off
rent your bunghole for sats
what's killing me: JUST MISS YOUR BUNGHOLE SO MUCH BABE nostr:note1qu7660vrfaakmdryend0eh46fadc9hn7thzkkppym4lkgyj76qzqeszenk
gardenal
caralho, complexo, valeu pela explicacao => compartilho de sua revolta bixo
dinheiro de moeda social...
do q vc ta falando, meu camarada? kkkkkkkkkkk
puta papo de louco bixo, vai la tomar uma tb porra
VOOOOOOOA GORDAO
VOOOOOOOOOOA MULEEEEEEKE ZICAAAA
tu eh um gordao tetudo e peludo
imagina se algum tonto vai ficar te zapeando sats
te liga mane kkkkkkkkkk