paulr33 Posted June 23, 2015 Share Posted June 23, 2015 i could bring it to next meet on the 8th at the burgers and shakes joint if u want? Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555097 Share on other sites More sharing options...
Kinkstaah Posted June 23, 2015 Share Posted June 23, 2015 Put R34 diff up for sale.... 10mins later get a PM, 3 hours later diff is gone, cash in hand. Wish selling everything else was that easy. did see this ad and thought hm, $50 is way under priced if this is really a R34 helical also thought, doesn't look like a R34 helical because only 1 ABS sensor, so... wut Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555098 Share on other sites More sharing options...
joeyjoejoejuniorshabadoo Posted June 23, 2015 Share Posted June 23, 2015 question for the banking ppl. couple i know, combined income 150ish he been at job for less than a year bounced jobs a bit b4 hat she (the lower earner) steady job maybe 8 years. living in flat that they paying off, 400ish value 250 left they been pre approved a 800K loan for another house and going to lease out flat. is that sort of borrowing to equity normal? seems significant debt for income? or am i just not willing to extend too far? pretty normal Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555099 Share on other sites More sharing options...
emts Posted June 23, 2015 Share Posted June 23, 2015 tell you what if that the lending criteria I'm buying a block as soon as I spot one the right size. Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555101 Share on other sites More sharing options...
joeyjoejoejuniorshabadoo Posted June 23, 2015 Share Posted June 23, 2015 Now if they were only on a simple cabinet minster's salary, THEN they would have a problem Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555103 Share on other sites More sharing options...
alr33x Posted June 23, 2015 Share Posted June 23, 2015 lol. Banks are quite generous. I've always found it amazing that when you have debt they'll happily pile it on I recall trying to get finance at 21-22 for my lexus was like only 61k earning well more plenty of cash on hand and so much head fks cos no assets at that stage Now got debts buy a expensive car (expensive to me anyway) it's like automatic no questions asked Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555109 Share on other sites More sharing options...
Birds Posted June 23, 2015 Share Posted June 23, 2015 i could bring it to next meet on the 8th at the burgers and shakes joint if u want? If I can justify a visit to the west with two things in one go then I'm doing alright Will PM you Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555118 Share on other sites More sharing options...
Birds Posted June 23, 2015 Share Posted June 23, 2015 Guess that's ultimately down to someone in debt with a history of payments having more credibility than someone who's never been in debt and is good at saving their pennies. Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555120 Share on other sites More sharing options...
Rekin Posted June 23, 2015 Share Posted June 23, 2015 Famous insurance: $10k cover for $841.50/year 1 Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555133 Share on other sites More sharing options...
UNR33L Posted June 23, 2015 Share Posted June 23, 2015 never heard of them but will have to check em out Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555134 Share on other sites More sharing options...
alr33x Posted June 23, 2015 Share Posted June 23, 2015 Yeah I guess, but I can see the slightly backwards thinking to it myself Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555141 Share on other sites More sharing options...
dezz Posted June 23, 2015 Share Posted June 23, 2015 150k combined income, owing more than me on their property and they get approved for 800k?Bank bitch never told me exactly how much she pre approved me for, but I doubt it was anywhere near 800k... Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555142 Share on other sites More sharing options...
alr33x Posted June 23, 2015 Share Posted June 23, 2015 Man do an online pre approval you'll get a mill plus Dezz.. Just don't think about eating or puttin petrol in ya car Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555148 Share on other sites More sharing options...
dezz Posted June 23, 2015 Share Posted June 23, 2015 Unlike a lot of people out there, I don't over reach Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555151 Share on other sites More sharing options...
HEKT1K Posted June 23, 2015 Share Posted June 23, 2015 Unlike a lot of people out there, I don't over reach What about reach arounds? Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555153 Share on other sites More sharing options...
dezz Posted June 23, 2015 Share Posted June 23, 2015 What about reach arounds? From you? sure 1 Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555154 Share on other sites More sharing options...
alr33x Posted June 23, 2015 Share Posted June 23, 2015 (edited) Unlike a lot of people out there, I don't over reachYeah me either I'm very financially conservative probably too much so but I like sleeping easy. Edited June 23, 2015 by alr33x Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555160 Share on other sites More sharing options...
Rekin Posted June 23, 2015 Share Posted June 23, 2015 question for the banking ppl. couple i know, combined income 150ish he been at job for less than a year bounced jobs a bit b4 hat she (the lower earner) steady job maybe 8 years. living in flat that they paying off, 400ish value 250 left they been pre approved a 800K loan for another house and going to lease out flat. is that sort of borrowing to equity normal? seems significant debt for income? or am i just not willing to extend too far? Refinancing a 400k loan up to 80% LVR (without incurring LMI) 400k * 80% = 320k 320 - 250k = $70k equity available (not $150k) Interest only 5yrs repayment: $1,174/month @ 4.4% $300/wk rental income = $15,600 income ($1,200/month) Property near positive geared - excluding rates, body corp, maint, fees etc 800k house @ LVR of 90% if willing to pay LMI around $700k loan (estimate stamp duty applied as well) $70k equity + $30-40k cash savings will fill the shortfall between Loan vs. House purchase $700k loan @ 4.4% P&I = $3,500/month repayment $150k incl Super income is around $8000/month income (after tax) Bank usually says Single person living expense is around $1100/month (not sure what a couples monthly spend would be - lets say $2k) $8000 - $2000 - $3500 = $2500/month left over Don't see any issues with their borrowing vs. income. Could have missed some points, speak to your local mortgage broker on a more realistic assessment on your borrowing. Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555173 Share on other sites More sharing options...
Leroy Peterson Posted June 23, 2015 Share Posted June 23, 2015 did see this ad and thought hm, $50 is way under priced if this is really a R34 helical also thought, doesn't look like a R34 helical because only 1 ABS sensor, so... wut i knew it was worth more (S-chasis LSD's go for $200 on ebay), but i only paid $50. was defs a helical center when i took it apart. not sure what an R34 housing looks like. guy who bought it puts them into old skool Z's and flogs them off apparently. said he hadnt tried a R-chasis diff but was willing to try for $50. Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555175 Share on other sites More sharing options...
Birds Posted June 23, 2015 Share Posted June 23, 2015 Think Green Label was available today online, am certain I saw add to cart button Get home and try to order Sold out Dan across the road don't know when they getting their allocation - depends when the rep comes but will be very limited. Gonna have to jump on this shit quick. Link to comment https://www.sau.com.au/forums/topic/379859-vic-wasteland-thread/page/4104/#findComment-7555184 Share on other sites More sharing options...
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