It is a tiring question for any financial expert. If, indeed, there was such a thing as the best home loan for one and everyone, wouldn’t the other home loan companies be out of business? Which consumer, knowingly, would accept the second-best loan?
There is another way of answering this question. While most lenders are charging around 8.5 per cent annually for home loans, all loans come with hidden costs. And these hidden costs are ‘hidden’ in a very sophisticated manner.
For someone with a first-class credit history and enough income to justify the loan, some legwork is required to

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