ChickeBabe's Aus Forum BIGGEST THREAD EVAR!!! - Page 161

**Chickebabe** · 5-11-05, 3:29

And the human part?

**rodhog** · 5-11-05, 4:21

Quote:

Originally Posted by DQUIK1

c'mon... there's nothing wrong with being gay *cough*

Of course there is nothing wrong with Gay's NSW has Premier and Mayor of sydney, that are a bit fruited.

if you follow league, Phil Gould - he's known for likeing it greek style.
It's probelry the reason he got kicked out of the Bulldogs.

But as I say

I'm not GAY - BUT willing to learn

**DarkSlayer** · 5-11-05, 5:12

dunno bout the mascot. im thinking something a bit more cool. not so lame.

im a bit miffed atm cos i got knocked back for my loan cos of my HECS debt. kinda stupid when u think about it cos the hecs debt means ive gone to uni which means ill prbly earn a fair bit in a few years and be able to pay the loan off easier. but meh wat can u do?

im gonna try my bank now on the recommendation of the person who organised the whole thing. otherwise i might just give up and fix the mx6

**Chickebabe** · 5-11-05, 7:17

bugger that sucks. Sorry to hear that. I never thought that HECs debts would prevent you from getting a loan. That sucks

**rodhog** · 5-11-05, 7:20

Actually HECS debt is going to hurt you more. Take it from me, I had NO JOB period no dole, me and mate went into this bank (ANZ) and he appyled for small personal. I bored and pretend I was interested - more in the chick teller then anything else. But she typed up all sorts of crap. But because I was not in debt, had a small minimal income - I didn't think a job once a week where you get $100 was worth anything but ??? I could have gotten a $5K loan to a Credit card etc.

Because to them Just because your going to UNI they Dont' knwo for sure you are going to get a good job - I know 6 guys gone to uni all degrees and things, Right now NO JOBS. One guy everyone in his class Job himmm NO JOB.
Uni is no garrentee into a job. Look at me, I know nothing, done nothing. All I got is my hands and they do a great job as a fitter and turner, A great job playing with grease, A great job lifting large lumps of metal. Plus a great Job in the bedroom.

THe secret is to show them Even if uni does not provide a better job you can still pay the loan off.

**Cromax** · 5-11-05, 8:03

Hmm ... HECS affected a small personal loan? That sounds a bit rough.

Which bank did you go to? I've heard that it knocks off thousands off a home loan, but never a personal loan ... that's just stupid! Get your olds to guarantor you ... that should give you a foot-in. If you have a credit card, snap it and cancel it.

Rod, it's nothing to do with jobs, it's to do with credit and feasability to the bank. For example: if DS has a Car, and a few things to his name totalling $10k, the most the bank will loan him is $20k. If he has a $15000 HECS debt, they can only loan him $5k ... and then if he has a credit card, that goes against him again. If he's buying a car on a loan, they take into account the value of the car and the depreciation of that asset in case DS defaults.

At the end of the day, you lose money on cars ... DS, keep the MX6 and be done with it. If you got the loan it'd be more useful putting it into investments and getting something back, than throwing it into yet another money pit ... Or ... save the money for a nice car. What's the use of messing around with crappy imports and dodgy bombs when you can save up for 10 years and buy yourself something decent. Maybe by that time you'd have grown out of the urge to buy fast cars and use the saved money as a deposit for a house.

**rodhog** · 5-11-05, 9:15

yeah I have to admit because I have cash here and there, put away for who knows what. It probelry makes it easier for me. I've been told I can take out an easy $80,000 loan. Thats from my bank. And my credit union account - they keep telling me if I invest more with them I can half half a million in like 10 years. Not good to me now is !. I want Half a mill NOW. Thne I can build the ultimate MX-6. V8 Quad Cam twin turbo 4WD 4WS, 20 inch subs 22 inch wheels 18 inch brake rotors. Jet Rocket on the rear

**Chickebabe** · 5-11-05, 19:59

hmm. that sucks. I never thought of hecs fees stopping you from getting a loan. Bit unfair really coz if you had the money to pay for Hecs fees then you probably wouldnt be wanting a loan.

You cant do anything these days without have bad consquences

**Cromax** · 5-11-05, 23:00

Yer well, unfortunately anyone with a university degree is in debt as soon as they start. I was reading an article about it this morning.

http://theage.com.au/news/Planning/G...?oneclick=true

**Chickebabe** · 5-11-05, 23:02

yeah tell me about it

**zorb_rules** · 5-11-05, 23:25

I had no problem with HECS and my loan and i borrowed close to 10grand and have a credit card with a 5k max

**Cromax** · 5-11-05, 23:25

It's not nice ... but there's nothing we can do about it as it is the better option for the country - if it were free, everyone would go to uni.

**Chickebabe** · 5-12-05, 0:25

welll i guess it depends on how much you are looking to borrow. Close to 10grand isnt much these days.

Still sucks... try to do better for yourself and the community or whatever and you lose out for it

**rodhog** · 5-12-05, 0:54

exacatly what is ten grand these days.

Especially when you consider that you can't even buy a house these days for under half a mill in the two major aus citys

**Chickebabe** · 5-12-05, 1:13

I know its terrible.

Are any of peoples experiences or stories they have about people who have tried to get home loans??? Also do you think it would be different if there was 2 of you trying to get the loan with only one hecs debt???

5-11-05, 3:29	#2401 (permalink)
Chickebabe Join Date: Mar 2003 Location: Hobart, Tasmania, Australia Age: 25 iTrader: (0)	And the human part?
	Procrastinate now, don't put it off

5-11-05, 5:12	#2403 (permalink)
DarkSlayer Join Date: Jun 2003 Location: Perth, Australia Age: 25 iTrader: (0)	dunno bout the mascot. im thinking something a bit more cool. not so lame. im a bit miffed atm cos i got knocked back for my loan cos of my HECS debt. kinda stupid when u think about it cos the hecs debt means ive gone to uni which means ill prbly earn a fair bit in a few years and be able to pay the loan off easier. but meh wat can u do? im gonna try my bank now on the recommendation of the person who organised the whole thing. otherwise i might just give up and fix the mx6
	Hail to the King, Baby! 1997 BMW Z3 Roadster, 2.8L I6 5-speed manual 1994 Kawasaki ZZR250, 6-speed parallel-twin fully-faired SOLD 1990 Eunos Cosmo 20B Twin Turbo

5-11-05, 7:17	#2404 (permalink)
Chickebabe Join Date: Mar 2003 Location: Hobart, Tasmania, Australia Age: 25 iTrader: (0)	bugger that sucks. Sorry to hear that. I never thought that HECs debts would prevent you from getting a loan. That sucks
	Procrastinate now, don't put it off

5-11-05, 7:20	#2405 (permalink)
rodhog Join Date: Jan 2002 Location: LAKEMBA Sydney Australia, Australia iTrader: (1)	Actually HECS debt is going to hurt you more. Take it from me, I had NO JOB period no dole, me and mate went into this bank (ANZ) and he appyled for small personal. I bored and pretend I was interested - more in the chick teller then anything else. But she typed up all sorts of crap. But because I was not in debt, had a small minimal income - I didn't think a job once a week where you get $100 was worth anything but ??? I could have gotten a $5K loan to a Credit card etc. Because to them Just because your going to UNI they Dont' knwo for sure you are going to get a good job - I know 6 guys gone to uni all degrees and things, Right now NO JOBS. One guy everyone in his class Job himmm NO JOB. Uni is no garrentee into a job. Look at me, I know nothing, done nothing. All I got is my hands and they do a great job as a fitter and turner, A great job playing with grease, A great job lifting large lumps of metal. Plus a great Job in the bedroom. THe secret is to show them Even if uni does not provide a better job you can still pay the loan off.
	RIP WAGON 626 GV 1023 7 seat auto 10-5-05. RIP BA-ASTINA 323 V6 -KF P-plate victim 2-9-07 FORD TELSTAR TX-5 TURBO, 80's ICON RIP 01-07-07 REBORN WAGON -MAN 28-07-07 - A NEW START I am STILL addicted to Porn. "MXSIX" out

5-11-05, 8:03	#2406 (permalink)
Cromax Join Date: Apr 2003 Location: Melbourne, Victoria, Australia Age: 26 iTrader: (0)	Hmm ... HECS affected a small personal loan? That sounds a bit rough. Which bank did you go to? I've heard that it knocks off thousands off a home loan, but never a personal loan ... that's just stupid! Get your olds to guarantor you ... that should give you a foot-in. If you have a credit card, snap it and cancel it. Rod, it's nothing to do with jobs, it's to do with credit and feasability to the bank. For example: if DS has a Car, and a few things to his name totalling $10k, the most the bank will loan him is $20k. If he has a $15000 HECS debt, they can only loan him $5k ... and then if he has a credit card, that goes against him again. If he's buying a car on a loan, they take into account the value of the car and the depreciation of that asset in case DS defaults. At the end of the day, you lose money on cars ... DS, keep the MX6 and be done with it. If you got the loan it'd be more useful putting it into investments and getting something back, than throwing it into yet another money pit ... Or ... save the money for a nice car. What's the use of messing around with crappy imports and dodgy bombs when you can save up for 10 years and buy yourself something decent. Maybe by that time you'd have grown out of the urge to buy fast cars and use the saved money as a deposit for a house.
	1993 Mazda MX6 4WS 2004 Mazda RX8 Luxury "If it was so, it might be; and it were so, it would be; but as it isn't, it ain't. That's logic." - Lewis Carrol

5-11-05, 9:15	#2407 (permalink)
rodhog Join Date: Jan 2002 Location: LAKEMBA Sydney Australia, Australia iTrader: (1)	yeah I have to admit because I have cash here and there, put away for who knows what. It probelry makes it easier for me. I've been told I can take out an easy $80,000 loan. Thats from my bank. And my credit union account - they keep telling me if I invest more with them I can half half a million in like 10 years. Not good to me now is !. I want Half a mill NOW. Thne I can build the ultimate MX-6. V8 Quad Cam twin turbo 4WD 4WS, 20 inch subs 22 inch wheels 18 inch brake rotors. Jet Rocket on the rear
	RIP WAGON 626 GV 1023 7 seat auto 10-5-05. RIP BA-ASTINA 323 V6 -KF P-plate victim 2-9-07 FORD TELSTAR TX-5 TURBO, 80's ICON RIP 01-07-07 REBORN WAGON -MAN 28-07-07 - A NEW START I am STILL addicted to Porn. "MXSIX" out

5-11-05, 19:59	#2408 (permalink)
Chickebabe Join Date: Mar 2003 Location: Hobart, Tasmania, Australia Age: 25 iTrader: (0)	hmm. that sucks. I never thought of hecs fees stopping you from getting a loan. Bit unfair really coz if you had the money to pay for Hecs fees then you probably wouldnt be wanting a loan. You cant do anything these days without have bad consquences
	Procrastinate now, don't put it off

5-11-05, 23:00	#2409 (permalink)
Cromax Join Date: Apr 2003 Location: Melbourne, Victoria, Australia Age: 26 iTrader: (0)	Yer well, unfortunately anyone with a university degree is in debt as soon as they start. I was reading an article about it this morning. http://theage.com.au/news/Planning/G...?oneclick=true
	1993 Mazda MX6 4WS 2004 Mazda RX8 Luxury "If it was so, it might be; and it were so, it would be; but as it isn't, it ain't. That's logic." - Lewis Carrol

5-11-05, 23:02	#2410 (permalink)
Chickebabe Join Date: Mar 2003 Location: Hobart, Tasmania, Australia Age: 25 iTrader: (0)	yeah tell me about it
	Procrastinate now, don't put it off

5-11-05, 23:25	#2412 (permalink)
Cromax Join Date: Apr 2003 Location: Melbourne, Victoria, Australia Age: 26 iTrader: (0)	It's not nice ... but there's nothing we can do about it as it is the better option for the country - if it were free, everyone would go to uni.
	1993 Mazda MX6 4WS 2004 Mazda RX8 Luxury "If it was so, it might be; and it were so, it would be; but as it isn't, it ain't. That's logic." - Lewis Carrol

5-12-05, 0:25	#2413 (permalink)
Chickebabe Join Date: Mar 2003 Location: Hobart, Tasmania, Australia Age: 25 iTrader: (0)	welll i guess it depends on how much you are looking to borrow. Close to 10grand isnt much these days. Still sucks... try to do better for yourself and the community or whatever and you lose out for it
	Procrastinate now, don't put it off

5-12-05, 0:54	#2414 (permalink)
rodhog Join Date: Jan 2002 Location: LAKEMBA Sydney Australia, Australia iTrader: (1)	exacatly what is ten grand these days. Especially when you consider that you can't even buy a house these days for under half a mill in the two major aus citys
	RIP WAGON 626 GV 1023 7 seat auto 10-5-05. RIP BA-ASTINA 323 V6 -KF P-plate victim 2-9-07 FORD TELSTAR TX-5 TURBO, 80's ICON RIP 01-07-07 REBORN WAGON -MAN 28-07-07 - A NEW START I am STILL addicted to Porn. "MXSIX" out

5-12-05, 1:13	#2415 (permalink)
Chickebabe Join Date: Mar 2003 Location: Hobart, Tasmania, Australia Age: 25 iTrader: (0)	I know its terrible. Are any of peoples experiences or stories they have about people who have tried to get home loans??? Also do you think it would be different if there was 2 of you trying to get the loan with only one hecs debt???
	Procrastinate now, don't put it off