How to recover a house with a burden (a lot, a lot, a lot!)

Hello, today we would like to share our experience and hope that our review will be helpful to people who want to have a home like ours. 😅

We started the decision to file a home loan with the debt we and our girlfriend owed!! And yes, a hundred thousand major debts, really serious * and for personal reasons and necessities *

We had the idea that since we were in debt, we were going to be again, and we had our own house, what's wrong?

We thought, but it's gonna escalate if the same debt is there and create a new one...

Finally, we decided to combine the debt into one debt, the house debt, to end it.

📌 We will collect money to close some debt (in our case, it has been determined that we will ask the loan to help us solve the case, we need to know how much salary base we can borrow in case we have no other burden or debt), for example, let's say we have a salary base of 10,000, we may recover 1 million, but we have a debt of 8,000, which is that if we file a loan, it will not pass because the burden is too high, but ours is to have a sum of money first, so that we can talk to the person that we are ready to close the burden. In the criteria that banks need.

📌, when we have the money ready to clear the debt to the bank, we have to continue to calculate. If we have to repay the house, this limit per month, we will be really ok, right? (Personally, we try to live a life that has to repay the house, we see that we can go on)

📌, when the calculations, everything comes to the loan limit.

We asked for an excess loan of about 10% to close all the debts, but others may have overborrowed to decorate the house 😂 (which we want to do here, but we have debts, and we want to have a house, it's really necessary).

In the last 📌, we try to file a loan, and the result is approval > giving us more debt, but less debt per month than we had to pay the same debt we had, only for another 30 years.

* And in our case, we have almost ten credit card debts with our girlfriend, one car debt. How can we recover? Hahahahaha

* * But in the past, we asked the bank why, and the answer was that it came from both of our scores that, although owed, never paid, never paid late, never had a bad debt, always paid directly + had the strength to raise money to close or clear the burden to the bank.

* * * With another thing is a steady job (like ours is a joint loan, girlfriend has been working for over 3 years, and we have recently changed jobs and are on probation but are close to probation and we have been working the same job for almost 3 years / and the company that has both looked stable, reliable and paid direct taxes all the time), which gives us a reason to recover the house through the debt we owe 😅

= Finally, if we are going to borrow a house, we have to know the strength that we can really do, know how much revenue we can borrow, it will make us choose a house that we can borrow and pass, but the credit must also be good without a bad debt history, not a debt, but accrued, not paid directly, paid slowly, it may not go on (or not, haha).

🧡 try to find a house with the right price for us. I think if the credit isn't really broken, try to do it like we might be able to recover.

# House loan, human version, salary # First Home Recovery # Home loan with girlfriend # Home Recovery # House chooses us