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This illustrates your problem. You can't answer a simple and completely verifiable question.

Now everyone that goes to Post #98 can see the answer to the question:

Did you make the statement in Post #98 that it makes no difference if the NRST is included in the mortgage?

is yes. You made that statement.

The next question asked of you by me was to show your calculations that it makes no difference if the NRST is included in the mortgage. And you have dodged and evaded like some wild animal caught in a trap.

Real estate finance is a quantitative field. We hardly ever qualify buyers based on anything but numbers.

So let's try it again.

Where are your calculations showing that it makes no difference if the NRST is included in the mortgage?

is yes. You made that statement.

I made the statement in context of the point you were trying to dispute. What the impact of mortgages on home sales is YOUR point. YOU brought it up. You support it. From the point I made about competitiveness of new homes versus existing homes under the fairtax, it makes no difference. Why do you insist on taking a statement out of context???

Here is the context that you leave out:

Always Right (post 70): I really don't see how new homes will be able to compete against existing homes sales under this scheme. The way it is set up, new homes will be at a 30% disadvantage from existing homes the day after this is passed.

Hostage (post 96 response to post 70): New home sales will not be impacted at all. The NRST will be financed as part of the mortgage.

Always Right (post 98 response to 96): Whether it is included in the mortgage makes no difference.

I am and always was talking about competitiveness between new homes versus existing homes. You are ignoring my comment and trying to change the discussion talk about people being able to qualify for a mortgage for the full price with the sales tax. Whether the same amount of people will qualify to buy a new home was your point. I don't know whether that will be true or not. You have never demonstrated that one way or the other. There are far too many variables to make a real determination, although for retirees whose income is not subjected to income tax, I have my doubts if that will be the case. That however was not my point. My point was about new homes being at a disadvantage against existing homes. You wish to continue to ignore my point and want to debate some other point.