Vic Wasteland Thread - 15.0

[joeyjoejoejuniorshabadoo]

You don't have to try hard for material when you are just being honest

[xALmoN]

abalone has got to be one of the most overrated seafoods ever.

[joeyjoejoejuniorshabadoo]

abalone has got to be one of the most overrated seafoods ever.

100%

[Leroy Peterson]

Alvin, you still got your heart set on modifying the banana R34? Could upgrade to V35 or V36, faster out of the box just more expensive to modify (but much less attention too)

[Mohsen]

v36 are nice. especially the coupays.

[dezz]

literally

[Mohsen]

literally

BLESS UP

[emts]

OK property specialists....

Hoping to move forward with this land purchase in next few weeks.

what sort of questions should I be asking real estate agent prior to going to the bank?

WHat other stuff should I get ready prior to talking to the bank.

(other than the obvious, pay slips, car valuations, proof of deposit..)

[xALmoN]

Alvin, you still got your heart set on modifying the banana R34? Could upgrade to V35 or V36, faster out of the box just more expensive to modify (but much less attention too)

yes. modifying the banana. which reminds me, gotta come pick up those oil bits.

tomorrow sound good?

[Leroy Peterson]

Leave for camping tomorrow. Will be back 2nd or 3rd of jan

[xALmoN]

lol tonight then. i'll let you know when i rouse from my nap.

[alr33x]

OK property specialists....

Hoping to move forward with this land purchase in next few weeks.

what sort of questions should I be asking real estate agent prior to going to the bank?

WHat other stuff should I get ready prior to talking to the bank.

(other than the obvious, pay slips, car valuations, proof of deposit..)

if you havent get a copy of the section 32 / contract of sale and get it checked by a conveyancer / lawyer other than that sort the bank and go from there.

if you want real estate help pm me and ill send you my number best chance to get me is text i only check in here occassionally

Edited December 29, 2015 by alr33x

[alr33x]

Why wouldn't he have black? Black credit cards aren't special, they're just a ploy to suck people into higher rates and fees. You don't have to be on big money to get a black...

well an amex specifically you do.. min charge $250k per annum on it and invite only to have one.. i'd imagine they hand invites out with cmfeu membership packs.

[emts]

if you havent get a copy of the section 32 / contract of sale and get it checked by a conveyancer / lawyer other than that sort the bank and go from there.

thanks for that.

going to visit the real estate agent thursday, so any help is great

[alr33x]

have you spoken to the agent at all yet? if not i can call him first and try get you some info minus the bs.

[joeyjoejoejuniorshabadoo]

Katie is a nurse so her income will fluctuate. Most recent 2 payslips and FY14 group cert will likely be required given recent changes to regulations.

For good measure, 2 x payslips less than 60 days old (both) FY14 group cert and ITR and 3 months statements for any lending products you have with other institutions will probably cover most banks policy.

If the deposit is cash from under the mattress (i.e. not in a savings account) you might need to verify it.... feel free to pm me if needed

Can't see the bank caring about the cars though.

[joeyjoejoejuniorshabadoo]

well an amex specifically you do.. min charge $250k per annum on it and invite only to have one.. i'd imagine they hand invites out with cmfeu membership packs.

Yeah the centurion card is a freaking joke. They say you need to spend $250k personal on another amex etc but I don't buy it. I reckon they will give one to anyone stupid enough to pay the rediculous fees. When I was working at Cosi soooooo many people had them.

[emts]

have you spoken to the agent at all yet? if not i can call him first and try get you some info minus the bs.

via email yes, aiming for first F2F this week.

Katie is a nurse so her income will fluctuate. Most recent 2 payslips and FY14 group cert will likely be required given recent changes to regulations.

For good measure, 2 x payslips less than 60 days old (both) FY14 group cert and ITR and 3 months statements for any lending products you have with other institutions will probably cover most banks policy.

If the deposit is cash from under the mattress (i.e. not in a savings account) you might need to verify it.... feel free to pm me if needed

Can't see the bank caring about the cars though.

yeah assumed they want Group Certs, mine gone up since then so will provide last couple.

so not caring about assets owned more income, cool.

Yeah the centurion card is a freaking joke. They say you need to spend $250k personal on another amex etc but I don't buy it. I reckon they will give one to anyone stupid enough to pay the rediculous fees. When I was working at Cosi soooooo many people had them.

one of co workers got the offer, well over 200K, I'm only at 100-150 and none for me.

[joeyjoejoejuniorshabadoo]

yeah assumed they want Group Certs, mine gone up since then so will provide last couple.

so not caring about assets owned more income, cool.

We really only care about assets we will register a charge over. A car is a depreciating asset and is pretty useless to us. It's only really ever used for direct financing where the asset (roughly) depreciates in line with debt amortisation.

In 99.9% of cases banks will just ask about this and not require any verification.

Group certs will show your yearly figures so any overtime/bonuses etc can be considered (although this is an absolute minefield now with APRA coming down on home lending)

Where I said FY14 above I meant FY15 (I deal with business financials all day and we are only just starting to see 15's now so I'm used to seeing 14's) but the 14's might as well be provided unless they are drastically worse.

[hot richard]

Hey everyone first time in this thread.

Does anyone have any friends with access to corner weight scales?