My family is not large enough, but we have always dreamed of having our own home. Where everyone would have their own corner, their own room.
We lived in a block of flats, in a rather small apartment. Three rooms, bathroom, kitchen and small corridor. My daughters shared a room.
They were always complaining
The more they entered puberty. We were afraid to take a loan , we didn’t want to have such obligations. Own home is obviously a great thing, but also a lot of sacrifices. We often liked going to the cinema, theater, and concerts. We never had to refuse our daughters the purchase of a nice blouse or pants from time to time. But we caught the eye of a wonderful home in the area, well-kept, newly renovated.
We thought that if not now we will never decide to take a loan. We went to see him. Everyone was delighted, eventually everyone would have their own room. We made the decision: we take a mortgage . I made an appointment with an advisor. It turned out that the mortgages are granted on very favorable terms. We’ve found that we can do it without so many sacrifices.
We were sure we wanted it
Everyone was delighted, a beautiful garden, a place where you can sit, where the dog can run. We do not regret the decision to incur such debt as housing loans . We pay it back now calmly, without much stress. Taking a loan or borrowing is a must for many people, because due to the circumstances and life situation, they do not have enough financial resources to achieve a given goal, i.e. just like us, which is why we decided to use the bank’s credit offer.
Mortgage is, however, associated with considerable risk but we have thought through everything and we know that we will be able to pay it back.
Due to the risk associated with taking out a loan, many borrowers decide to take out an insurance loan. Such a loan is a bit more expensive, because the amount of insurance should be added to the installment amount, but many people decide to use this form of credit and we also insured our credit to have collateral for many years.