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That way, the bank knows that you havent taken on additional bnz interest rates personal loans that youll need to repay in addition to the mortgage for which youre applying. Advantages of Conventional Mortgages. Conventional mortgages have several advantages if you qualify. First, the loans are generally processed more quickly than government mortgages because youre applying straight to the lender, and you dont need approval from any government programs.
In addition, you wont need to pay for the mortgage insurance premiums that are required for certain government programs. However, if you dont put at least 20 percent down, youll usually need to pay for private mortgage insurance. Shop for Low Fees.
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