When you decide to buy your wife home it is important to investigate and solve the answers to all your concerns and your initial questions, so that, when making the final choice, do it with complete success. Thus, the purchase will be for you and your family a happy, and do not generate any kind of problems in the future. For that you need to obtain maximum information with absolute clarity.

To ease the financing of your home is essential that combines a number of prerequisites:
1. You must have it the taxes (VAT) from the last 2 years.
2. Submit receipts to prove where you’ve worked the last 2 years.
3. Show your current income and your job is safe and reliable.
4. Clearly show in your credit history.
5. Knowing in advance the values of the down payment and closing costs.
6. Knowing that you have the resources to pay the mortgage and the monthly costs.

In order to facilitate the approval of the loan your home is important:
1. Knowing how much money could provide your bank or mortgage company to get the house in accordance with that value.
2. Knowing the rate of interest and whether it is fixed or variable.
3. Must investigate what programs offered by banks or mortgage companies to buyers of houses.
4. Examine whether the loan is FHA, Conventional, …
5. To make sure how long the loan. Remember that it may be five, ten, fifteen, twenty or thirty years.
6. Note if you require alternative credit. And know when you refinance.
7. It is also important to know if you require a co-signer (co-debtor).
But it is also essential to analyze the advantages and disadvantages to buy your final home.

Disadvantages:
* You pay a monthly commitment. If you wait a minimum of two years in the possession of the house, you can achieve maximum advantage in your investment. 
 * Everything in the house to stop working, you need your fix. This slope. Besides … you must mow the lawn, remove snow, etc..
Advantages:
* This is your new house! … and therefore it can do anything you want: fix, remodel, paint, make changes in the kitchen, the bathrooms have space for you and yours … and everything that you feel is comfortable, and comfort that will make them feel good. 
 * Interest on the mortgage are deductible from federal taxes from your income each year and that takes away a benefit that is allow you to make big savings. 
 addition
* Analyzing the evolution of the housing market can achieve a good equity in a relatively short time.

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