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I finally got a car since I was able to land an abusrdly cheap loan (2%!), but still won't touch a house. Real estate where I live is absurd, and I do not live in one of the big prestigious cities. (I used to, and real estate there was incomprehensible.)

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Why did you need a loan to buy a car? I just waited a couple of months until I'd saved enough to buy a small, fairly old car for cash. It's not a fancy car, but it is reliable, cheap to run, cheap to insure, and costs me nothing in terms of financing now.

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