also to mention in my country housing loans are a separate thing for normal loans, they tend to be better, cheaper and sometimes even government subsidized for families and allow for say x2 or x3 of coverage compared to normal loans, but they require significant documentation to prove that you are indeed buying housing.  her an example 299 months. 4.49% interest 300 fees for processing the loan via a government official to confirm and vouch that you are buying a house. you need to sign off on some ways they can get their money back if you fuck up: > forcefully taking part of your salary > kicking you out and selling the house
Croatia