@therealsairahayati: The world of finance is quite mind-boggling so this may not be in its entirety completely factual however it's purpose is to spur conversation so we can understand the world of money and finance better. I urge anyone with this level of understanding to join the conversation and allow a mature and civilised debate to proceed. #money #pension #mortgage #Home

TheRealSairaHayati
TheRealSairaHayati
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Saturday 27 June 2026 19:03:45 GMT
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secondincomeproject
secondincomeproject :
We are getting screwed all ways round
2026-06-27 21:26:20
21
user289514040
user289514040 :
it's a very crooked system
2026-06-27 22:10:12
50
ir0nb0rn84
IronBorn :
you pay your mortgage with your trust which is attached to birth certificate and traded and stock market, when you sign said mortgage you sign a promissory note, the bank gets their money straight away and you have to pay that back plus interest.
2026-06-28 09:54:21
0
01sh4h
01sh4h :
A few months ago when the stock market was crashing weren’t you saying the banking system is going to collapse? How’s that going for u
2026-06-27 23:32:09
7
sailord980
Pete :
it's called Collateralization, not being mean but as a financial advisor how do you not know this..the banks don't hold on to the mortgage it's package given a grade by one of the rating agencies like Moodys or S&P and then sold to institutional Investors like pensions funds. that's how banks get their funding..fun fact back don't use our deposits to lend to their customers they hold it on their balance sheet as part of their cash reserve ratio which in most countries is 10% of the value of their loans book...hope that helps
2026-06-28 09:47:49
4
1._ariana_.3
Ariana :
we need you as a prime minister the country would be a whole lot better with u
2026-06-27 19:40:19
7
ahussain112233
happysoldier :
absolutely correct 100% 👍
2026-06-27 19:59:05
18
nh25042
nick hughes :
it's irrelevant what happens to the money,most people don't have the means to buy a house outright...so they either rent at an outrageous price and pay someone else's mortgage....or get their own mortgage, it's just the way it is....get a mortgage pay over the monthly payment if you can and get it paid off early...then you can live a little
2026-06-28 10:03:16
0
muzzer591
muzzer59 :
my mortgage is paid
2026-06-28 14:46:54
0
nadiakms
N 💜🍉 :
Securitisation!
2026-06-28 12:57:07
7
angel.d869
Angel D :
for religious reasons, how does interest on mortgages work?
2026-06-27 20:27:35
1
im.gonna.say.it
Swim Shady :
my flabers are gastered 😳
2026-06-28 08:32:07
14
londonanon285
Mark :
But I want to buy a house at 30, for say 500k. I don't have enough money for that. My pension fund isn't 500k. Finance lets me buy that house when I need it, for my family, and pay it off over the years as I earn
2026-06-28 14:09:42
7
vision_tees
VisionTees Eurovision T-Shirts :
Love your content. I’m fortunate enough not to have a mortgage on my home and own it outright. However, I can’t take it with me. I’m 55 now. The smart thing to do for me is to sell it, then rent somewhere and enjoy my money.
2026-06-28 01:03:46
11
sharl44
user3617161899604 :
You are right ! It’s the same money that gets used over and over again . You make sense Saira 🥰
2026-06-27 21:27:12
8
ruthwhalley1
Ruth :
Worst still they money lent isn’t money, as in they took existing money and moved it your account, no it’s literally created as debt, when you sign.
2026-06-27 20:37:39
11
jimmysaint616
jimmysaint616 :
I thought u were a specialist from years ago...and now u get it ..understand it all first makes you a specialist not learn as you go specialist ...
2026-06-27 23:18:02
7
thwadey
Simples by name and nature :
capitalism at its finest or not so dependent on your viewa
2026-06-27 22:02:07
7
coco_chic1
chloe :
😳 Mind blowing
2026-06-27 22:08:24
4
_r4ndom_thingz_
☆RanDom☆ :
over seen a movie where it shows this clearly, I got this then, when the pension is stolen out of the company. let me check wht the movie is called
2026-06-28 10:38:28
3
deepwaternoah
deepwaterNOAH :
120% true
2026-06-28 15:03:56
1
clairewoofydoo
clairewoofydoo :
Pay your mortgage first above all else
2026-06-27 20:15:34
2
daffodil567_8
Daffodil :
Your scarfe is very nice ماشاء الله 🥰❤️❤️
2026-06-27 22:55:05
2
messirani
Nitty :
Been like this for decades…
2026-06-27 22:16:39
4
meditating_monkey23
Meditating_Monkey :
In the states, you can pay cash for your home and still not own it. Taxes must be paid, at an increasing rate, yearly. If the taxes aren't paid the government will take your home. 😒
2026-06-28 00:14:24
0
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