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Struggling young Polish couple - try to solve their problem


Milo320  
17 Jun 2011 /  #121
why they can't have additinal work ?
convex  
17 Jun 2011 /  #122
They're not in a position to buy a house and shouldn't be given a loan under any circumstance. They're obviously having problems finding decent work. If they're highly educated, they could move to any of the larger cities and pick up an entry level job earning twice what they're making. Renting gives them the flexibility to move to where the jobs are instead of waiting for jobs to come to them. Like Harry mentioned earlier, maybe they should get jobs at McDonalds to increase their income?

BTW, I hired a guy for entry level installation work in Krakow. He's 22, I'm paying for his initial certification, and he makes almost as much as much as both of them combined.

Here's some food for thought, it's in Polish but I think it's pretty self explanatory.

Real salaries from up north of Wroclaw.

bit.ly/jHFBbu

edit: url fixed
Seanus  
17 Jun 2011 /  #123
Altruism often ends in disaster here
SeanBM  
17 Jun 2011 /  #124
I hired a guy for entry level installation work in Krakow

I have a load of guys working for me, the youngest is 18, fresh out of school and even he gets paid more than these (theoretical?) couple in Krakow.

Altruism

Altruism's bollox.
Seanus  
17 Jun 2011 /  #125
It would seem that way here, Seanny.
loc_kanika  
18 Jun 2011 /  #126
At such an early stage in their lives; they can opt to rent. Save a part of their salaries to own a property in coming time.
urszula  
28 Jul 2011 /  #127
Why don't they shop around and look for reasonable rent? people strive all over the world, not only in Poland. There are two of them, they can split the bill. Why don't they find a better paying job? Work overtime? Start their own business? Find a cheaper apartment? Live with family and save? Possibilities are endless.
f stop  
28 Jul 2011 /  #128
I agree with those that say this couple is not ready to buy. It doesn't look like they can even afford to rent! But, on top of that, why would they want to buy? Even if they were already established with well paying jobs, owning real state is still a huge ball and chain.

Couple of years ago, owning a home was an absolute must have part of an american dream here. Now, not owning one is more of an enviable position: a sign of freedom, free weekends, ability to take advantage of opportunities wherever they may appear...
beckski  
28 Jul 2011 /  #129
Years ago in the U.S., many couples would marry at a young age. The husband was usually fortunate, to find a well-paying job, with a company such as Lockheed. The Mrs. would stay home to raise the munchkins. Nowadays, it may take two incomes to purchase a home. Obtaining the down payment, is the major obstacle today, that prevents several people from purchasing their dream home.
f stop  
28 Jul 2011 /  #130
what I'm trying to say is that owning a home today seems like a hindrance, handicap, bind.. We should be more mobile and carry less sh!t along.
pip  
28 Jul 2011 /  #131
why are they not looking for higher paying jobs. If it was posted on a different thread that biedronka is hiring for 2100 pln per month- why would they keep a job that pays so little?
Seanus  
4 Aug 2011 /  #133
Tusk seems to be stripping away help for young couples. If he gets rid of Rodzina na Swoim without replacing it, he will show his true colours. The system of relief in Poland is awful.
southern  
4 Aug 2011 /  #134
They can always rob a a bank.
tygrys  
5 Aug 2011 /  #135
or scam their way to get to the US and get a job illegally
thrifty scotty  
5 Aug 2011 /  #136
Some choose not to follow set paths, guesswho. I've never been one for the high life and many Poles would do well to realise their financial constraints too.

there is no virtue in poverty.
pawian  
5 Aug 2011 /  #137
=f stop]what I'm trying to say is that owning a home today seems like a hindrance, handicap, bind.. We should be more mobile and carry less sh!t along.

Sorry but you are talking nonsense. People take loans and buy property to avoid paying high rent which is money thrown down the drain. After two or three decades of rent paying in Poland, you could buy a flat with it.
convex  
5 Aug 2011 /  #138
I agree with it. But different lifestyles I suppose. Mobility gives people lots of options and allows them to move to where the jobs are (and puts them in a better negotiating position).
f stop  
5 Aug 2011 /  #139
My reaction might be to the situations I see around me (with some hints of mid-life crisis thrown in, I suppose): rents are actually cheaper than the mortgage payments, home owners spending all of their free time and money fixing/remodeling or just upkeeping their house, missing out on many other stuff..

I have a good friend who invested in some lovely, riverside rental units. He calculated that he should be able to retire soon, the rent payments would provide him with extra spending money. Now, after couple forced evictions and many-a-weekend spent fixing toilets, he is re-evaluating that plan.

Another example is the vacation home. I always loved the stability of spending my vacations in the same island home, until I was forced to seek other arrangements and discovered all the variety I've been missing.

I have a young, fresh-out-of-school apprentice, that I feel should really discover all the different opportunities, not only in USA, but abroad as well. But, he is saddling himself with a big, beautiful home and a fervent hope that his job is not going anywhere.
Jimmu  
30 Aug 2011 /  #140
My wife and I just bought a house in Poland. While looking for a mały biały dom we found hundreds of half built places for sale at a low price. Maybe they could look into that? The caveat being, there might be a reason the original owner gave up on it...
delphiandomine  
30 Aug 2011 /  #141
The caveat being, there might be a reason the original owner gave up on it...

Usually they ran out of money.
poleposition  
13 Sep 2011 /  #142
people living in the uk dont know how lucky they are .some one working can get housing benefit help here ....also not working can get a house for their family and not pay....in poland people getting married are still at home with their parents and cannot see a way to get a place of their own.........i have no idea what the family can do ......or keep saving and buy a property out in the countryside as some family homes are availiable for a little as 100.000 zl and upwards with a lot of land .........
eyenonathin  
19 Mar 2012 /  #143
Come to England for a year and save money to take back home, I have friends who are doing this in order to buy themselves a house in Poland when they move back.
Krakman  
20 Mar 2012 /  #144
They need a house, so buy a house!! Also, let them eat kremówki...
jasondmzk  
20 Mar 2012 /  #145
I agree with f stop, property ownership is the ideal of yesteryear. Rentals can make much more sense, nowadays. With rental properties, you can have much greater variety of choice as to where you will live. When it comes to employment, and the possibility of moving, rentals offer an unrestrained freedom that purchased property does not. There are no hidden costs associated with renting, such as maintenance, HOA fees and taxes. Many modern units have amenities included that would push a housing budget into the stratosphere. With fluctuating values and taxes, renting, especially for younger buyers, makes much more sense.
milky  
20 Mar 2012 /  #146
Come to England for a year and save money to take back home,

You mean several years of saving every penny.
300000 in one year??,some job

They need a house, so buy a house!! Also, let them eat kremówki...

Oh yea ,,your the guy who thinks it's much easier to purchase a house in Poland than in England,,,lol....your opinion is worthless

With fluctuating values and taxes, renting, especially for younger buyers, makes much more sense.

I agree,it's a paradox. Poland has grown accustomed to living in a housing crises;during late communism there was a 15 year waiting list and now(neo liberal wet dream land) the average Pole on the an average wage is subjected to a life of super-inflated mortgage slavery.

The best thing for the couple to do is just leave the country, crap option but look at Ireland now, people are flooding out of the country yet its economically several times better than Poland.
rozumiemnic  
20 Mar 2012 /  #147
Come to England for a year and save money to take back home, I have friends who are doing this in order to buy themselves a house in Poland when they move back.

what is this about the streets of England being paved with gold? Dream on.
milky  
20 Mar 2012 /  #148
Exactly, there is no easy crock of gold anymore.
FUZZYWICKETS  
20 Mar 2012 /  #149
The best thing for the couple to do is just leave the country

i keep reading this on this thread. hmmm.

so if you're broke and live in poland, the best thing to do is just leave?

what if you're doing just ok. i would think leaving yet again makes more financial sense. you'll still earn more elsewhere.

which begs the question: if you can make so much more money elsewhere, if property in poland is so unaffordable.......if you leave......why would you come back? why wouldn't you just stay where you are and continue to earn more and lead a better life?

poles and poland is such a strange thing sometimes. they will defend poland to the BONE yet all the hard core defenders will just so happen to not show up when things like, "The best thing for the couple to do is just leave the country," show up in a thread......yet someone says Polish food is bland and it's this huge battle. i see this over and over. this weird love/hate relationship.

i always found it interesting when i would see how much poles hated germans yet when they lived on the border of germany, they'd commute into germany to work because it paid better.

i guess pride only goes so far when money is involved.
Pushbike  
20 Mar 2012 /  #150
Move to Szczein and work in Germany

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