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Tlazolteotl View Drop Down
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    Posted: 03 Jan 2019 at 10:02am
"Moscow: Search crews in Russia pulled more bodies on Wednesday from a huge pile of rubble where part of an apartment building collapsed, bringing the known death toll to 33 and the number of missing residents down to eight as the grim recovery work continued for a third night."


I'm surprised apartment blocks aren't collapsing all over the world- there are so many shonks about. Maybe they are. Where in the world can you have complete confidence in building regulation? Switzerland, maybe. The more you learn about the way it's done in NSW the less confidence you have.
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Post Options Post Options   Thanks (1) Thanks(1)   Quote Redemption Quote  Post ReplyReply Direct Link To This Post Posted: 03 Jan 2019 at 1:48pm
Ive been saying it for years on here.

Australia: "building tomorrows slums, today".

Clearly its not just Australia.

My friend and I always have a giggle, that in centuries from now, archaeologists are going to be digging up old neon Mcdonalds signs, and apartment building rubble. Buildings that were basically already rubble, while they were being built.

Crap culture, pop culture, build for the "now", live for the "now", cheap, corrupt, "donations" from developers, etc etc
Whole thing is a disgrace.

You are essentially spending $half a million, for plaster. And cheap plaster at that.

Hopefully the whole Opal tower debacle is now truly opening up the eyes of people that the property industry is a scam

RIP to those in Moscow.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote maccamax Quote  Post ReplyReply Direct Link To This Post Posted: 03 Jan 2019 at 3:54pm
Lot of sense in what has been said.

The developers are building to minimum strength. ON EVERYTHING
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Tlazolteotl Quote  Post ReplyReply Direct Link To This Post Posted: 03 Jan 2019 at 4:01pm
Apparently somebody's gas blew up in Russia. But that's the problem with living on top of one another like that- you are stuck with the stupidity of the biggest idiot in the village.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Second Chance Quote  Post ReplyReply Direct Link To This Post Posted: 03 Jan 2019 at 4:12pm
Originally posted by Tlazolteotl Tlazolteotl wrote:

Apparently somebody's gas blew up in Russia. But that's the problem with living on top of one another like that- you are stuck with the stupidity of the biggest idiot in the village.

Thankfully none of us live in close proximity to...*

* villagers are invited add the most appropriate names, as you would for a write-in at the US elections.  Wink
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Mr Prospector Quote  Post ReplyReply Direct Link To This Post Posted: 04 Jan 2019 at 3:58pm
The latest public planning wants Australia to adopt High Rise living to a greater extent , but as the latest problem in Homebush highlights the consumer has minimal protection . 
It looks like the Tower in Homebush was built on reclaimed swamp or mangroves and the liability may fall on to the builder or probably the professional liability of the Engineering firm who designed the Tower . 

Apart from that warranty , if the more unscrupulous developer has a company that fails shortly after each project or has no assets at all , then the consumer has no protection . No insurance will cover a buyer in that situation from what I understand . 

You hear some horror stories of buying of the plan in some of these projects . 


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Post Options Post Options   Thanks (0) Thanks(0)   Quote acacia alba Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 12:24am
I have been wondering about that.  Being built on reclaimed marshes.  I know what that area was like when I was a kid,  just swamp and marshy waste land right down to the river,  with lots of chemical seepage from the plants in the area  thrown in to the mix , and now when they have bragged about reclaiming it and building on it, I  have always thought no way would I want to be living there.  Thumbs Down  I am not at all surprised at whats happening with this building, having seen what the land was like years ago.
animals before people.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Mr Prospector Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 8:01am
There was a project some years ago in Chatswood with building defects that went to the high court and they ruled that the residents were investors and the builder had no liability outside of warranty .

How would you like to be an owner and have to front up for major repairs on a large multi story apartment block .
Ouch!

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Tlazolteotl Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 9:37am
Originally posted by acacia alba acacia alba wrote:

I have been wondering about that.  Being built on reclaimed marshes.  I know what that area was like when I was a kid,  just swamp and marshy waste land right down to the river,  with lots of chemical seepage from the plants in the area  thrown in to the mix , and now when they have bragged about reclaiming it and building on it, I  have always thought no way would I want to be living there.  Thumbs Down  I am not at all surprised at whats happening with this building, having seen what the land was like years ago.


Plenty of cities built on swampland, e.g. St Petersurg, Shanghai, but not Washington.Wink
"Even the things that I believe in the most, I doubt.”
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Tlazolteotl Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 9:40am
Originally posted by Tlazolteotl Tlazolteotl wrote:

Originally posted by acacia alba acacia alba wrote:

I have been wondering about that.  Being built on reclaimed marshes.  I know what that area was like when I was a kid,  just swamp and marshy waste land right down to the river,  with lots of chemical seepage from the plants in the area  thrown in to the mix , and now when they have bragged about reclaiming it and building on it, I  have always thought no way would I want to be living there.  Thumbs Down  I am not at all surprised at whats happening with this building, having seen what the land was like years ago.


Plenty of cities built on swampland, e.g. St Petersurg, Shanghai, but not Washington.Wink


Houston- they have a problem.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote acacia alba Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 9:41am
so does New Orleans.
animals before people.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Redemption Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 10:30am
Docklands, Melbourne.
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Originally posted by Mr Prospector Mr Prospector wrote:

There was a project some years ago in Chatswood with building defects that went to the high court and they ruled that the residents were investors and the builder had no liability outside of warranty .

How would you like to be an owner and have to front up for major repairs on a large multi story apartment block .
Ouch!

The repairs is one thing. The other is the drop in its resale value. The only way I would buy one of those units is if it was about a third of the price they were originally asking. No one will pay full price for those places now - & probably never will.
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Nightmare for some of those owners. One bloke paid almost a million for one as his first investment - highly geared. Cannot afford to live in it as needs a good income in order to help cover his repayments. Rents a much cheaper place himself for himself.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Whale Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 10:41am
It seems to be a massive failure of regulatory and planning authorities.

Many cities around the world have thousands of high rise apartments which are very desired and pricey
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Whale Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 10:44am
According to this report (Page on Housingnyc) which is based on Census data, there were 2,581,170 apartments in New York City in 2008. With modest growth, I would guess the number is around 3M at this point in time
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Whale Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 10:48am
Originally posted by oneonesit oneonesit wrote:

Nightmare for some of those owners. One bloke paid almost a million for one as his first investment - highly geared. Cannot afford to live in it as needs a good income in order to help cover his repayments. Rents a much cheaper place himself for himself.


Sorry but not a wise move to gear yourself so highly and totally require rental return to make repayments. 

Things always go wrong, trouble renting, rent not as high as you thought, repairs, bad tenants etc, I think people should always leave themselves some room to move, maybe the ability to ride out 6 months
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Post Options Post Options   Thanks (0) Thanks(0)   Quote oneonesit Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 10:59am
Originally posted by Whale Whale wrote:

Originally posted by oneonesit oneonesit wrote:

Nightmare for some of those owners. One bloke paid almost a million for one as his first investment - highly geared. Cannot afford to live in it as needs a good income in order to help cover his repayments. Rents a much cheaper place himself for himself.


Sorry but not a wise move to gear yourself so highly and totally require rental return to make repayments. 

Things always go wrong, trouble renting, rent not as high as you thought, repairs, bad tenants etc, I think people should always leave themselves some room to move, maybe the ability to ride out 6 months
100% agree - however I don't see any short-term relief from the issues this fellow would be facing - all unforeseen. Even rental returns will probably be impacted.
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An article in the paper this morning said the banks are already pushing many of those highly leveraged (interest only) loans to renegotiate to interest and principle . 
On $1m loan you will need approximately an extra $1K per month . 
 
 I'd be looking for a good Lawyer .
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I wouldn't be surprised if some of those Class Action type of law firms haven't been on the phone already . 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Redemption Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 2:27pm
Originally posted by Mr Prospector Mr Prospector wrote:

I wouldn't be surprised if some of those Class Action type of law firms haven't been on the phone already . 

They have been.
Shine Lawyers are the likely rep at this stage.

I believe the residents will win a class action, as from early reports, its been built with very poor foundations. The grounding foundations are everything for a buildings integrity.
Decent engineers put massive emphasis and extra time into foundations until they are totally satisfied.

Who knows though. Its the damn lawyers that ultimately win.

Im hoping the Taxi Class action wins against Uber, as taxi drivers were totally screwed over on multiple levels.
Same thing though, either way, lawyers win.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Whale Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 4:12pm
Looking on the bright side at least they did not invest in Neo and sit back and watch their money grow as recommended by our resident successful "businessman " Dr E Confused

Was $135 at the time is now $7.50, now that is real talent, losing 95% in 1 year LOL
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Dr E Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 10:43pm
25% of Sydney's population live in high-density accommodation. That figure will increase because there is a growing number of people like Whale than we realise - people who can only live alone.
In reference to every post in the Trump thread ... "There may have been a tiny bit of license taken there" ... Ok, Thanks for the "heads up" PT!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Dr E Quote  Post ReplyReply Direct Link To This Post Posted: 05 Jan 2019 at 10:50pm
Originally posted by Mr Prospector Mr Prospector wrote:

An article in the paper this morning said the banks are already pushing many of those highly leveraged (interest only) loans to renegotiate to interest and principle . 
On $1m loan you will need approximately an extra $1K per month . 
 
 I'd be looking for a good Lawyer .

On what grounds? ... the last time that I entered into an interest only investment loan, it was only ever for a finite term (5 years I think) with principal and interest repayments to apply thereafter. Pretty sure it was always that way, and I assume all loans are the same ... you can't sue a bank for your own greed and stupidity, can you? ... the newspapers and Tracey Grimshaw would know.Wink
In reference to every post in the Trump thread ... "There may have been a tiny bit of license taken there" ... Ok, Thanks for the "heads up" PT!
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Borrowers with interest-only mortgages worth about $300 billion are bracing for a credit crunch as their fixed terms, taken out at the height of the property boom, begin to expire.

About 900,000 loans – or about one in six mortgages based on the nation's $1.7 trillion mortgage loan book – will need to be extended with their existing lenders, switched to higher principal-and-interest repayments or transferred to a new lender.

It is contributing to explosive growth for the lightly regulated shadow banksthat are targeting subprime borrowers with easier terms and faster approval times, according to new analysis.

In some cases lenders are forcing buyers to make the move to principal and interest before the fixed-term loan rate expires. SHUTTERSTOCK

It catches federal politicians in a three-way bind between the impact on voters in this year's election, the continuing need to cool the property market, and dealing with the findings of the banking royal commission, due next month.

Investors who fuelled the boom in property prices about 2014-15, particularly in Melbourne and Sydney, are estimated to account for 40 per cent of buyers facing increased rates.

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A borrower with an average interest-only loan of $316,000 will need to find an extra $400 a month to meet the higher principal-and-interest rates, according to analysis by Finder.com.au based on typical repayments.

For a $1 million borrower, the monthly repayments from switching to a principal-and-interest loan will blow out to about $880, its analysis reveals.

"Red lights are beginning to flash. It's going to be a tough period for many property buyers," said Graham Cooke, insights manager at Finder, who based his analysis on research published by the Reserve Bank of Australia and Australian Prudential Regulation Authority.

In some cases lenders are forcing buyers to make the move to principal-and-interest before the fixed-term loan rate expires.

Julie Klein, 64, who is paying off an apartment in Kew, a leafy inner-Melbourne suburb, said her lender demanded she switch to principal-and-interest after she lost her job because of health problems.

Ms Klein, who bought her apartment about nine years ago, said: "The bank basically told me it was going to happen and there was nothing I could do about it. I had been a loyal customer for more than 40 years and they basically told me that was 'too bad'. I am too small for them to matter."


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Originally posted by Redemption Redemption wrote:

You are essentially spending $half a million, for plaster. And cheap plaster at that.
99.9% of the plaster is manufactured locally (too fragile to import for decent margin). Buyers have never paid more for their plaster than they are right now. That said, I’d be a tad wary of the joints Mr Triguboff built around Barangaroo...

The shonkiness isn’t limited to high rise construction. Sunland, for example, are having to undertake a multimillion dollar rectification on their townhouse developments because the contractors they hired didn’t build the inter-tenancy walls (the fire barrier between dwellings) to spec.... at least in this case, the developer is on the front foot.
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Originally posted by Mr Prospector Mr Prospector wrote:

Borrowers with interest-only mortgages worth about $300 billion are bracing for a credit crunch as their fixed terms, taken out at the height of the property boom, begin to expire.

About 900,000 loans – or about one in six mortgages based on the nation's $1.7 trillion mortgage loan book – will need to be extended with their existing lenders, switched to higher principal-and-interest repayments or transferred to a new lender.

It is contributing to explosive growth for the lightly regulated shadow banksthat are targeting subprime borrowers with easier terms and faster approval times, according to new analysis.

In some cases lenders are forcing buyers to make the move to principal and interest before the fixed-term loan rate expires. SHUTTERSTOCK

It catches federal politicians in a three-way bind between the impact on voters in this year's election, the continuing need to cool the property market, and dealing with the findings of the banking royal commission, due next month.

Investors who fuelled the boom in property prices about 2014-15, particularly in Melbourne and Sydney, are estimated to account for 40 per cent of buyers facing increased rates.

Advertisement

A borrower with an average interest-only loan of $316,000 will need to find an extra $400 a month to meet the higher principal-and-interest rates, according to analysis by Finder.com.au based on typical repayments.

For a $1 million borrower, the monthly repayments from switching to a principal-and-interest loan will blow out to about $880, its analysis reveals.

"Red lights are beginning to flash. It's going to be a tough period for many property buyers," said Graham Cooke, insights manager at Finder, who based his analysis on research published by the Reserve Bank of Australia and Australian Prudential Regulation Authority.

In some cases lenders are forcing buyers to make the move to principal-and-interest before the fixed-term loan rate expires.

Julie Klein, 64, who is paying off an apartment in Kew, a leafy inner-Melbourne suburb, said her lender demanded she switch to principal-and-interest after she lost her job because of health problems.

Ms Klein, who bought her apartment about nine years ago, said: "The bank basically told me it was going to happen and there was nothing I could do about it. I had been a loyal customer for more than 40 years and they basically told me that was 'too bad'. I am too small for them to matter."



This is nothing more than the ALP's print media doing a little bit of gratuitous "bank bashing".

I work for myself, always read contracts and ask questions, always paid my insurances, and I'm afraid I'm sick of hearing about these "victims".

... even Julie Klein would have known what she was required to do after her interest-only period expired, after all, she has been a bank customer for 40 years! ... I wonder why she didn't take up the insurance that the banks are always vilified for offering to clients, to cover them in case of sickness and incapacity?

Oh well, it looks like she might have to sell her unit in Kew and downsize to a unit in Frankston or Altona ... I just hope she isn't concerned about the threat of African Youth Gang Violence.
In reference to every post in the Trump thread ... "There may have been a tiny bit of license taken there" ... Ok, Thanks for the "heads up" PT!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Whale Quote  Post ReplyReply Direct Link To This Post Posted: 06 Jan 2019 at 3:54pm
 and I'm afraid I'm sick of hearing about these "victims".

How dare they complain, don't they realise you and your kind have an inalienable right to use any tactics in pursuit of the dollar.

So they have been lied to, misdirected, talked into unserviceable loans, pressured, confused, just suck it up and shut up Confused

And after all you have donated $500,000 in kind to charities, your children's sporting clubs. I am so glad for your vainglorious post advising us of your altruism, we all admire you so much now LOL
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Originally posted by Whale Whale wrote:

 and I'm afraid I'm sick of hearing about these "victims".

How dare they complain, don't they realise you and your kind have an inalienable right to use any tactics in pursuit of the dollar.

So they have been lied to, misdirected, talked into unserviceable loans, pressured, confused, just suck it up and shut up Confused

And after all you have donated $500,000 in kind to charities, your children's sporting clubs. I am so glad for your vainglorious post advising us of your altruism, we all admire you so much now LOL

I'm sure that you would be one of these pathetic victims Whale!Dead

The bank didn't kidnap you and make you take out a loan at gunpoint, did they?

No, you were too greedy, and wanted to spend more than you could afford, you deceived the bank, and didn't bother to read the loan contract ... the bank did everything that they can possibly do to assess your position, and explain the terms and conditions, and then provided you with enough documents reiterating that to kill a tree, and even suggested that you seek legal advice before you proceed if you are unsure ... but of course, the virtue signalers at the ALP are claiming that YOU are a victim.

Take some responsibility for your greed and stupidity for goodness sake, you pathetic moron!

You made your own bed, you sleep in it ... I should imagine a cardboard box under a bridge in your case!Wink




In reference to every post in the Trump thread ... "There may have been a tiny bit of license taken there" ... Ok, Thanks for the "heads up" PT!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Whale Quote  Post ReplyReply Direct Link To This Post Posted: 06 Jan 2019 at 4:19pm
[

I'm sure that you would be one of these pathetic victims Whale!Dead

The bank didn't kidnap you and make you take out a loan at gunpoint, did they?

No, you were too greedy, and wanted to spend more than you could afford, you deceived the bank, and didn't bother to read the loan contract ... the bank did everything that they can possibly do to assess your position, and explain the terms and conditions, and then provided you with enough documents reiterating that to kill a tree, and even suggested that you seek legal advice before you proceed if you are unsure ... but of course, the virtue signalers at the ALP are claiming that YOU are a victim.

Take some responsibility for your greed and stupidity for goodness sake, you pathetic moron!

You made your own bed, you sleep in it ... I should imagine a cardboard box under a bridge in your case!Wink




[/QUOTE]

This from the person who is so money hungry and scared of missing out when others are making profits, that he recommended crypto currencies, which he had no understanding of Confused

I posted exactly that at the time, his gilt edge recommendation Neo, has gone from $135 to $7.50 , a loss of 95% 

The only thing that saved him from his stupid avarice was the difficulty he had in actually buying the things, now that is luck Wink

The cardboard box under the bridge insult belongs to a member who has not been seen on this forum for years, it is as effective now as then LOL
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