El Jeffo

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41,839 Awesome with awesome sauce

About El Jeffo

  • Rank
    Looks like I picked the wrong week to quit sniffing glue

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Profile Information

  • Location Berlin
  • Nationality American
  • Hometown Bakersfield born and raised, yessir
  • Gender Male
  • Interests Blowing bubbles at and hugging refugees, in that order - apparently.

Recent Profile Visitors

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  1. Taking over existing mortgage from seller

      Of course you'll have to make up the difference between the current outstanding loan and the asking price for the house.   If you have to finance that difference even partially, the only way it would work is if the bank holding the current loan (which will be transferred) also issues you the new loan - because the original bank already has the "1st rank" in the property register. This means they have the right of foreclosure if you default on the loan. No bank will give you a (presumably) larger mortgage on the same property if they only get the "2nd rank".   Unfortunately, the bank holding the original loan is unlikely to allow this, for two reasons: firstly, interest rates are higher now than for the original loan, as you noted, and secondly, the bank would be waiving its prepayment penalty for the original borrower.   This assumes, of course, that the loan can be transferred at all, as Frantic noted.
  2. BREXIT positives and negatives

    It's cool everyone, Brexit is done and dusted and so is the pandemic, so the UK is planning to axe 20% of the civil service.
  3. BREXIT positives and negatives

    Liz Truss has a brilliant new idea: Who needs the Northern Ireland protocol anyway?    
  4. Only in America

      It wasn't just the orange clown. Mitch McConnell stole a SCOTUS seat from Obama in 2016, after Scalia died, ostensibly because it was too close to an election (10 months away), only to approve another justice just 38 days before the 2020 election (hence stealing it from the future Biden admin).   What's more, 5 of the 6 conservative justices currently on the court were appointed by presidents who lost the popular vote (Bush 2000, TFG 2016).   And now they're (apparently) going to throw out 50 years of precedent and settled law because they can. They're all ratfuckers.
  5. The War in Ukraine

      Still not over the Syrian refugee thing, huh? You must be a blast at parties.
  6. The War in Ukraine

    In response to the open letter by "concerned" prominent citizens like Alice Schwarzer, a different group has published their own open letter calling on the German government to give Ukraine all the weapons they need to defend against the Russian invasion, embargo Russian energy exports so as to remove a source of funding for Putin's war, and give Ukraine a binding perspective for joining the EU. They recognize that Ukraine is also fighting for our own security and for the future of a democratic Europe.   You can read the letter and sign the petition here: https://www.change.org/p/die-sache-der-ukraine-ist-auch-unsere-sache   Please sign and help prove that there are more people in Germany who want to help Ukraine defeat Putin's band of war criminals than appease Putin and leave the brave Ukrainian people twisting in the wind.
  7. What made you laugh today?

      Happy 4/20 everyone!
  8. The War in Ukraine

    I hear we've received an answer from Ukraine to jeba's appeasement strategy:
  9. The War in Ukraine

  10. The War in Ukraine

    Dr. Oetker is selling and shutting down all its Russia business.   Sorry, Ivan and Natasha - no more Hot Dog Pizzaburgers for you.