Individuals seeking real estate purchase deals usually avail of housing finance if they do not wish to deplete their savings. Home Loans present the perfect funding alternative with convenient schemes, making it easier for borrowers to repay loans with customised repayment options and flexible terms. Many people are, however, wary of availing housing loans due to the long process and voluminous paperwork involved. Home Loan digital lending platforms have overhauled the entire procedure for securing housing loans with a few easy clicks, rendering them simpler and completely paperless.
What Is a Digital Lending Platform?
A digital lending platform is the use of technology that allows financial institutions to extend loans and recover them through web platforms or mobile apps. It facilitates speedy disbursal and helps lower loan costs. Lending service providers utilise their digital platforms to collaborate with financial institutions that dispense credit to customers.
Digital lending includes managing Home Loans and the associated processes online through user-friendly platforms. Digital and cashless payment systems have given a boost to the digitalisation of the lending process.
Why Do Lenders Need Digital Lending Platforms?
Digital lending allows borrowers to apply for a loan from an internet-enabled device based anywhere in the world. Lending companies, on their part, provide loans using digital banking. The traditional process of loan disbursement can get exhaustive for both lenders and customers. With the shift towards digitalisation, the lending process has become swift and convenient for both parties involved.
Lenders benefit through digital lending in the following ways:
- It provides a more effective loan disbursement process.
- It simplifies the method to store and retrieve applicant details and loan-related information.
- The digital lending process guarantees prompt decision-making.
- It increases productivity, efficiency and provides higher growth opportunities.
- It improves the working relationship between lenders and borrowers.
- The platform eliminates irregularities in underwriting decisions and ensures uniformity in lending decisions.
- It enables lending companies to address loan applications with a quick turnaround time.
Ensure Digital Safety Through RBI-Registered Platforms
There are several digital lending platforms available today but making the right selection demands judicious thought. Always borrow through registered digital lenders’ websites and applications. Choose a Home Loan digital platform that is associated with either a bank or Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India. The RBI periodically publishes a list of lenders on its website and one can check the lender’s credentials, reducing the risk of choosing an unauthorised lender.
Notwithstanding, it is the customer’s responsibility to make sure that the information they provide to their digital lender of choice and the journey of their Home Loan are in line with applicable RBI regulations. As a safeguard against unscrupulous apps that generate fake websites, visit the official lender portals when you check their websites.
It is also equally important to know if the digital Home Loan platform is ISO:9001 and ISO:27001 certified. This will assure you of a lender who adheres to world-class superior data management practices. Moreover, it implies ample protection of your privacy and a secure transaction at all times.
Also Read: Benefits of Submitting a Digital Home Loan Application
Five Basic Tips to Find the Right Platform for Home Loans
Given below are a few pointers to consider that will help you choose the right digital platform for your Home Loan requirements:
1. Check Your Digital Lending Platform’s Credibility
A digital Home Loan platform will assist you in finding attractive Home Loan offers, enabling you to choose better. Sometimes, the digital lending platform may also issue Home Loans on its books. In either case, it is advisable to check the digital lender’s credibility in the market. This will not only affect the quality of the Home Loan you seek or the home buying experience, but also the working relationship with your lender which is likely to last the next 10 to 30 years.
2. Choose a Platform with Optimal Options
Industry insiders recommend selecting a digital platform that aggregates and manages housing loan applications for multiple lenders. This guarantees you the ideal pick of Home Loans from a host of available options. One of the benefits, in this case, is that if something goes wrong with the initial lender, the digital platform can automatically switch you to another one that suits your needs.
3. Verify the Services and Benefits on Offer
The process of obtaining a Home Loan is much more convenient, quicker, comfortable and less stressful due to digital lending services. Within a few hours of submitting a loan application, consumers can expect a direct transfer of loan funds into their bank accounts from the comfort of their homes. Digital lending has simplified Home Loan procedures. Chatbots and AI-enabled technology extend 24-hour active support, responding to customer queries and complaints.
A digital lending platform is necessary to aid in sturdy and real-time customer service processes. For instance, a reliable digital platform provides services such as sending EMI payment reminders via email or SMS to enhance customer connect. Remember to confirm if they extend expert help or human intervention, whenever necessary, in the event things don’t go as planned; or for redressal of customer grievances.
4. Read the Loan Agreement Terms Carefully
Most individuals avoid reading through endless documents and official papers, partly due to the jargon and partly due to time constraints. Even when it comes to the Home Loan agreement, they simply click on the ‘Agree’ option without reading the attached terms and conditions. It is essential to read them through and understand each clause for your financial security. Verify the interest rate and see if the details mentioned therein match your requirements.
5. Scrutinise the Digital Platform’s Play Store Ratings
You must view the lending platform’s ratings on Play Store and read through the information shared on the description page to learn more about the lender, its lending policies, terms and conditions and borrower reviews. However, exercise caution when you download the app. Take a look at the author reviews and related posts to understand whether they are genuine. If the app is new on Play Store or has few downloads, it is best to avoid it so as not to end up with unwanted lender applications that may threaten online security.
Additional Read: Common Myths About Home Loans You Need to Know
The Final Word
There are a number of digital lending platforms in the market. But some of them could be unregulated and unregistered and may even extend small loans to customers. The RBI has recently revised digital lending guidelines to protect borrowers from fraudulent lending practices. These guidelines ensure that the credit you avail is secure and accessible. Bear in mind the tips mentioned here to shield your financial interests and enjoy the ideal Home Loan journey.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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tax Tax
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What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
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loan+against+property Loan Against Property
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cibil Cibil
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home+loan Home Loan
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
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cibil Cibil
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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cibil Cibil
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home+loan Home Loan
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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loan+against+property Loan Against Property
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tax Tax
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?