Haggis Time-Out

[Govedo13]

You are really a nice guy, I wish you everything good. I hope that your wife will be fine and the baby too.
Somet info that could be really useful for you:
And be extremly careful with the mortgage because it is very dangerous thing- find time to read about it- RoI and RoE formulas,Disagio, together with the different interest rates- the real one, the relative one and the one that banks "offer" to you.
Sometimes is really better to rent your place then to buy it- especially in nowadays times.

Find someone who can help you with that- Friend that have good idea about your local market and idea of finances, make sure you have more then stable job and income, make sure you have at least 30% of the whole price of the property in cash before you take any loan, make sure you have extra money on the side to pay the rates for 1 year at least even if you loose your job, dont thrust any bank- they wont tell you the whole tons of tricks and traps.
Demand from them to give you the full terms of contract in paper form where you can compare them with the other offers in order to find the best one. Mind that the banks are out there not to help you but to realise huge profits and screw your live.

I hope you will be back sometime.

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Official faction players that are often accused of elitism, never deploy them and have those weird, immersion killing "fair fight/dueling" suicidal hobbies. (yes, i've seen enough of those lolduels, where house military with overwhelming force on the field willingly loses a pilot in a duel. ffs.)