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Everyone will want the house because they want to be independent, as well as me and you all. Even for a man, the house is self-esteem. Now, the problem is that house prices getting more expensive every year, while our income mediocre. So I will share tips on home loans that do not burden the finances and the house was bought. here some tips to get home loans for low income families with bad credit scores and bad credit history.
Below are some tips that you need to know :
1. Saving gold
Set aside money from your regular income for the tube. I do not mean that savings in cash or in bank accounts but in the form of gold. Why gold? because gold has a stable value or anti inflation. So if you buy a house that will rise the next 5 years, your savings pu value will go up or adjust. try saving targets at least 30% of the price of the house, it would be nice if it could be more.
2. Choosing a Home
Choose a home that suits your income. Do not be swayed by other people who have the economic ability above average. Determine choosing a second home or a new home that would all have their own advantages. The most important thing in choosing a house is small enough for your family.
3. Choosing a Bank
I recommend you to use a sharia-based banks because in addition to low interest rate, also reduce usury. Installments from year to year are likely to remain, unlike conventional banks. Credit period not too long and not too short. If it is too short installment certainly getting bigger and you will be very burdensome even small flowers. do not be too long, because the debt will be in the bill and we do not know how long we will live. I recommend a maximum of 10 years with a maximum age of 30 years while your credit application.
Tips on home loans last is the most important thing. We need to be self-conscious about the state of our self, so it's good we lived simply in all respects. We try to cut the secondary needs were deemed less urgent. There are only 2 choices, life-saving, or add your income.
there are many companies out there that provide a lot of information, you can learn some of their guides if you need information about home loans
Tips Home loans for low income families with bad credit scores and bad credit history