Well, this is a really good article and I understand all the pain of Chris, since it looks about the same for us, if not worse: the calculation of the subsistence minimum and when making a decision, banks look very carefully so that the income corresponds to covering the subsistence minimum of all family members (spouses, children, dependents) and the balance corresponds to to cover the monthly fee.
The first installment must cover a certain%.
A good credit history: if you have never taken out a loan, then you will most likely be refused: you urgently need to purchase something on credit and close the loan ahead of schedule in order to create a good credit history for yourself.
Health information: you may be rejected because you are unwell.
And most importantly: it is very important where your income comes from: is your income stable and it will be very difficult without an employer's recommendation.
It will be really difficult for people who make a living by poker to get a mortgage.😱
