3 ms·

In order to keep things on topic I'll ignore most of what you wrote and just talk about purchasing housing here. My wife and I just bought an apartment in Züric

In order to keep things on topic I'll ignore most of what you wrote and just talk about purchasing housing here. My wife and I just bought an apartment in Zürich and found it very different than the u.s. One must put down a minimum of 20% always, but we ended up having to put down 30% because the bank calculates your payments on a much higher interest rate than reality as well as higher maintenance fees than reality. We also had to have life insurance.

chair92 11y ago
You have a very convenient definition of on-topic. You've narrowed the scope from 'americans should be financially irresponsible because the government will always bail them out' to 'I had to put 20% down on my house'. It's almost funny. It probably would be funny, except that I'm now in a bad mood because some other poster just compared me to a rapist for defending advertising, so I can't laugh at what an incredibly dishonest piece of shit you are. And make no mistake, that sort of goalpost moving is just dishonesty... it's just you admitting that you're a fucking liar. Also, if you were a Swiss Citizen, you would be able to play the game by betting your pension against the house, instead of using cash. The cash requirement exists for you because you are an outsider and thus less trustworthy.
- comrade1 11y ago
  The news article and my comments are about purchasing housing. And we have permanent residence and are able to use our pensions but chose not to, other than pillar 3 which one does to get a tax advantage. Most people only use pillar 3 since the bank discourages using pillar 2. (basically, you funnel money through pillar 3 to the bank and get the tax break) Saving taxes in Switzerland doesn't help us much though since we have to pay the difference to the u.s. I think you may want to take a deep breath and go outside for awhile.

chair92 11y ago

You have a very convenient definition of on-topic. You've narrowed the scope from 'americans should be financially irresponsible because the government will always bail them out' to 'I had to put 20% down on my house'. It's almost funny. It probably would be funny, except that I'm now in a bad mood because some other poster just compared me to a rapist for defending advertising, so I can't laugh at what an incredibly dishonest piece of shit you are. And make no mistake, that sort of goalpost moving is just dishonesty... it's just you admitting that you're a fucking liar. Also, if you were a Swiss Citizen, you would be able to play the game by betting your pension against the house, instead of using cash. The cash requirement exists for you because you are an outsider and thus less trustworthy.

comrade1 11y ago
The news article and my comments are about purchasing housing. And we have permanent residence and are able to use our pensions but chose not to, other than pillar 3 which one does to get a tax advantage. Most people only use pillar 3 since the bank discourages using pillar 2. (basically, you funnel money through pillar 3 to the bank and get the tax break) Saving taxes in Switzerland doesn't help us much though since we have to pay the difference to the u.s. I think you may want to take a deep breath and go outside for awhile.