• A constant rate mortgage does require into account the cost of living or inflation. In other words, as time passes and you are probably earning more money as well as , everything else costs that much more - your loan payment is going to stay the same. Arguably, this can mean more money in your bank account - in 20 long years from now, you the earning more money than you are now, however monthly house payments will probably stay the same.

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    number Making the down settlement (at least 20%). # Not having loan terms more than 5 years and years. # Prefer buying a used car in new cars depreciate considerably. # Keep your car loan reimbursement limited to 20% of the income.

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