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    Buy at 4.26% or wait for cheaper finance on an Oslo 4-bed?

    Put the scenarios into one sheet: current 4.26% terms, a higher-rate reset, a lower-rate refinance with fresh fees, and an early sale at a lower price. Use the same comparison period for every case and include a monthly buffer for ownership costs rather than spending up to the lender’s maximum...
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    Is 10% below asking too aggressive after only 12 days?

    Be careful about combining every concession at once. A 10% reduction, broad inspection escape, later repair credits and full appraisal protection may look less “clean” than intended. One approach is to price the known cosmetic updating into the opening offer, reserve credits for significant...
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