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Most homeowners find mortgages as a good way for them to be able to purchase their own house. However, some banks are reluctant to let home buyers loan some money since they don't want to lower their ratio and to be scrutinized by regulators. Aside from that, they also get bad records due to the other purpose of borrowers instead of buying a real estate property. If you are planning to apply for a loan in the bank, you have to think about it well, because it's not assured that you can do it.
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