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harem.king

Engaged Member
Aug 16, 2023
3,729
6,477
And how would you have paid the mortgage? It might be harder to protect your family if they're homeless. Play chess, not checkers. :unsure:
step 1. get a job
step 2. sell the giant mansion you cannot afford.
step 3. buy a much smaller house at a cheaper area.

billions of human manage to do it without accepting a bribe from a literal drug using rapist (on multiple occasions he secretly drugs the women) to be let into their home for the explicit purpose of raping their relatives using drugs.
 

Fayn Arawn

Active Member
May 24, 2019
967
1,849
step 1. get a job
step 2. sell the giant mansion you cannot afford.
step 3. buy a much smaller house at a cheaper area.

billions of human manage to do it without accepting a bribe from a literal drug using rapist (on multiple occasions he secretly drugs the women) to be let into their home for the explicit purpose of raping their relatives using drugs.
That's some real "Ben Shapiro" level thinking. First somehow get away with murdering your grandfather, then land a decent paying job as a 19-year-old with no skills or experience, then buy a home with no credit and no savings. Super easy, barely an inconvenience!
 

shitass1001

Active Member
Jun 8, 2021
875
2,831
step 1. get a job
step 2. sell the giant mansion you cannot afford.
step 3. buy a much smaller house at a cheaper area.

billions of human manage to do it without accepting a bribe from a literal drug using rapist (on multiple occasions he secretly drugs the women) to be let into their home for the explicit purpose of raping their relatives using drugs.
There are things the MC could have done differently, but this is not one of them, try to see the situation through the eyes of the characters rather than through the eyes of the reader, its easy to say "well he should just do this and then this" but when it comes down to it he is still an 18-19 (cant remember) year old teenager who doesnt have that much life experience.
 
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TGafy

Active Member
May 14, 2020
949
1,115
It's a porn game. Have the 19-year-old walk into a random Fortune 10 company, have a meet-cute with female CEO that immediately swoons meeting him and gives him a position leading his own department, and you wouldn't even need to bother with steps 2 and 3. Super easy, indeed! :LUL:
 
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NachoAndCheez

Member
Nov 1, 2020
309
243
step 1. get a job
step 2. sell the giant mansion you cannot afford.
step 3. buy a much smaller house at a cheaper area.

billions of human manage to do it without accepting a bribe from a literal drug using rapist (on multiple occasions he secretly drugs the women) to be let into their home for the explicit purpose of raping their relatives using drugs.
Wait, wait, wait, you can sell off a house that you haven't paid for yet?
 

FoolishFool0

Member
Nov 19, 2017
283
365
Actually yeah, isn't the House technically the bank's right now until they pay it off?

Also like, again, the game has economic problems for the main character because that's a common trope within the genre, this game is analysing the genre of the House Game as a whole, it had to have the family being in financial strains due to the loss of the Pater Familias, with the Male Lead AND the Rival trying to supplant this role of economic provider in their own way, it's the same reason why Tiff needs money for her mother's cancer and the only way for her to get it is by getting them from either us or Hunter in the bad ending.

This is an analysis of the fundamental "patriarchal" nature of these sort of games, of course the MC cannot not have money problems at first that's the common trope which is a mirror to the reality most people who live in the US, IE housing and economic problems are a grim reality these sort of game work as an escape from by creating an easy and titillating way to escape from, in most cases by turning women the MC has power over into some degree of sex worker, which BTW makes the first Family hunter corrupted in one of the Nordic Democracies all the more interesting given the state of the Welfare state up there.

This to say Porn is a Mirror of the Society it's made in, and doubly so Porn as Archetypal as an House Game, the protagonist has to have money problems for the same reason why we had a surge in Landlord Porn when the American housing market crashed, Reality is Mirrored for the Enjoyment of the Masses.
 

Hermit76

Well-Known Member
Apr 15, 2018
1,580
1,528
Most probably you can sell the house, but you still would have to pay the mortgage. And then you have nowhere to live.
Maybe a rather foolish idea - except if you really have to.
 

John_Cenahh

Newbie
May 14, 2023
25
69
Wait, wait, wait, you can sell off a house that you haven't paid for yet?
yes..... yes you can.. do you think everyone with a mortgage is forced to live in the house they bought until the mortgage is fully paid off? no, you put the thing back up for sale, someone buys it (preferably for more than or at least = to the amount owed on current mortgage.), pay off the remaining amount on said mortgage. I thought this was common knowledge.
 

harem.king

Engaged Member
Aug 16, 2023
3,729
6,477
Wait, wait, wait, you can sell off a house that you haven't paid for yet?
is this news to you?
The bank loaned you the money, but the house is yours and you owe money to the bank.
The bank may repossess your house if you fail to pay your mortgage. If you sell it, you use the money from the sale to pay off the mortgage. Then use the leftover money towards your new house (which gets a new mortgage).
Actually yeah, isn't the House technically the bank's right now until they pay it off?
No, that is not how mortgage works.


What happens to your mortgage when you sell your home?
When you sell, ideally you’d have enough equity to pay off your loan balance, cover closing costs and turn a profit. Upon closing, the buyer’s funds first pay off your remaining loan balance and closing costs, then you are paid the rest. If you're selling your home relatively soon after purchasing, check with your lender to see if a prepayment penalty applies to your loan.
Incidentally, if your house value dropped a lot and the mortgage is more than its worth. this scenario is called being underwater.
In such a case you can instead declare bankruptcy.
The house gets repossessed. but your debt is all gone. This can be worthwhile if, for example, you owe 500k on a house worth 300k. then by doing a bankrupcy you immediately "earn" 200k dollars
It will mean no buying new home for 7 years (IIRC this game is set in the USA. and in the USA the law states that credit history events get deleted after 7 years. so the banks legally cannot have a record of you having declared bankruptcy 7 years ago).

for those 7 years you will have to rent
 
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