🏠EP.1 | Home Recovery Passed In 26 (Alone Recovery Edition)

Hello, past readers, in our first post: -) After we've been fighting the first home loan for a long time, I'd like to share the experience with you. A little longer. Let's go!

Initially, from the loan, we bought a house in 2023. It was a year that we had not yet graduated, and started working regularly for a few months. We went to see the house with our mother not far from the old house. The village was not very large, quiet, and talked directly to the owner of the project. Both the owner and the cell were very kind. They would let us get in before the loan was filed. 🥹 We even had to smash some houses, such as punching through the front window, smashing small bedrooms to connect. But it was not yet time to move out of the old house and try to apply. It turned out that it didn't pass. At first, Fell went ❌, so it cost only to smash. The down payment and reservation have all returned. ▶️ Come to the later house is a second-hand house that has been completed by the owner. The owner made the house look good in the back of the corner. Here is a lot of stories. It is not good. We tried to borrow for a year. Crying and crying again. The state of mind and body is poor. A lot of down payments should not be returned. And finally, when I extended it, I didn't pass anyway. So I took away 😢❌ to the present house that didn't know what inspired our mother to take us to see this house last time, even though I often drove through the village (in the same neighborhood as the back house Previously) It is a new project that has just started to reserve the first project in 2024. There are only more than 120 units of houses. It is private, not chaotic, and a few more Phase 2 are being built as well. The house is a two-storey masonry, strong and comfortable, a two-storey townhome house, and the central part has a swimming pool / fitness / Co-Working Space / playground (small size). There are no parking rules in the first place. To prevent problems later, we tried to talk to Brother Cell and found that The price exceeded the budget. The more the corner conversion house that we and my mother liked, the price increased further. + + But Brother Sell said that based on our salary base + bonus + life expectancy and filing (the current life expectancy is almost 2 years). And let's try it out. We are okay with the price at the end of the year. Cash Back has been there for a while. At first I got the whole air conditioner. But Brother Sell said that if we don't get the free air conditioner, we can take it as a discount. So we decided not to accept it because we don't want to pay the house for too much. But adults give me one air conditioner anyway, which is very cute. And our free transfer / mortgage / power meter / water tank / water pump / part is free for 2 years, which is almost free at the transfer date.

At first, we tried to apply to the mother to share the loan as well. As a result, the first two banks reported that they were addicted to the problem of the old agency, the mother who was before retiring. The other bank said that our mother was too old, so secretly, and of course there was a lot of concern in the heart because we had a lot of home loan wounds, but tried again. I still did not give up, so I tried to file a loan with my girlfriend. But my girlfriend is doing a freelance job, which the bank asked for a lot of important documents too. And the building that the fan sold was very difficult to contact, so I almost took the decision because I asked how much money to apply for the loan alone. Each bank has given very little 😣, about 4 places, almost got to pay attention to the body, until the end of filing is the Orange Bank 🧡, but the real mana!! At first, it will file a joint loan as before, but also the problem of the joint borrower as before, plus it has been around for a month, so I asked the president how much if my loan is filed alone, the answer will be confused, because we file alone will be at 3.3M 💸, there is a little more difference, even if the previous bank was filed alone, half a million-million!! and got about 2.72% of the interest, so I finally decided to file it alone in the orange bank. At first, on the... Informed that ours may not have reached the pre-Approved limit, but it will not be lower than 3M. After 3 days, it appears that knowing the real result is screaming, fainting. The dream came true. When I heard that I was dreaming, I tried to pinch myself (see a lot of dramas) and found that... hurt! Hahahahaha It's a real story. Confused. We already owe a lot of money 😆. And we got the limit as far as the pre-Approved results come out. 🎉 But there is a little more difference in the house. The bank has shown the money in the savings account before the approval came out ✅. In a hurry, we are really glad. After years of stress, combined with previous loans, which were previously used by both peers or those who have seen through the social media that this era is better to rent a house than to buy. In case you don't like it or get bored, you can move. At that time, we thought that we had chosen this way, right? But our goal was Having a house for mom and cat without worrying about whether to move out again or if you meet a landlord who is not okay? Is it worse? Importantly, when it is your home and we want to do something with the house, it is easy to do. And each move is not fun at all. It is very tiring. Mom and cat are getting older every day. Of course, it is not fun. Our habits are not that they can easily get bored with the house or the original location. Live for decades. Each person's goals vary. But we are determined that we will have their own home. Weighing the advantages - The downside is that it is better to believe and listen to yourself, to be tired to keep people at home at ease, and we really believe that we will have the opportunity to grow in our jobs or make more money now, so we choose this way. The next station has to plan financially better than before.

Surprisingly, since coming to this house, things have improved markedly, getting new opportunities to come in immediately, feeling like the sky or something sacred, including the merciful lord, opening the way to say before we hand in the Dec. Finally, we invited my mother to pay homage to you in front of the house to buy, and I asked you to come to this house, and let everything go smoothly, and then there was a happy home, and finally, before moving in, I invited the monk to the house, to the god-goddess-goddess-earth, and then I moved in. When I first came to see this house, I felt that the wind was blowing in my face! It is cool to say that this house is facing the south, the previous house is turning this direction, but it does not feel like this house. When paying homage before entering the house earlier on the first day, it feels hot. The present house when paying homage before moving, it feels like a cool wind blowing over it. It feels calm and comfortable. Even when moving the same time and season, the first night is sleeping well ~ Think of someone who said, "The house chooses people." 🏡✨ I don't know if anyone believes it, but now we believe it is true because I just know from Brother Cell that he used to come on the request of the host of this house too from There are 5 people who have already recovered, not all of them. Until our passing through the siege, the cell is very good and cute. Take good care of the full help. The bank staff who made the case for us are also very good. Overall, both we and the mother + the other cat are very happy with being in this house. 🥰 have the first house at this age. After having a lot of bad things, not just about the house. Other things are bad. As if there is a monsoon of life, then the heart is full. Encouraged to continue working to close this huge debt. 💪🏻✌🏻

We filed a loan with status.

✅ is a full-time employee with a salary of 21k ⬆️ and a bonus.

✅ The current age of employment exceeds 1 year (almost 2 years).

✅ have a credit card (less than a year)

✅ No other liabilities.

📄 summarize the documents required to file a home loan. Our management project cell provides everything. There are the following documents:

✨ ID card copy / home registration copy

✨ 6-month salary slip

✨ Salary affidavit

✨ Book of Tax Filing 2 Years Retrospective (Our B.C. 91)

✨ 50 bis tax deduction affidavit

✨ Tax deduction receipts

✨, an account that receives a 6-month salary.

✨ a regularly used State Account / Savings Account for 6 months each

🏦. What the bank asked for on the day of the additional contract is as follows:

- 1 month real salary slip (ours is Oct.)

- The current month's updated payroll certificate. The real one.

- The real state of every account that has been filed. In the end, the mail is really from the source. Which bank cannot request through the app, we have to ask from the actual branch page, along with the receipt that paid for the state request to confirm that we have not forged the document. Finally, prepare for the real debt!! On the day of the appointment, read the document well and sign the contract. May everyone be happy and happy. Have a home as you want. 💖

P.S. We still have to do a lot. Now, starting with the SPC floor, the ground floor, the plaster is placed on the water tank, smashed the small bedroom is connected (smashed the size of the door), and is going to fill the garage roof, the back kitchen is not included, wrought iron wire nets, curtains, film, etc.. The area next to the house. If there is enough, it will be filled in the room. But if not enough, it will be left before the house review, and will tell you the budget to do the next part in the EP again. For today, Sweedus, hello ~ 😸

# Home purchase loan review # Buy the first house # Borrowing to buy a house # Home recovery alone