It was time for my annual teeth inspection. Otherwise known as a visit to the dentist. Which went great. Until she came closer with that needle. And closer and closer. And then it didn't hurt. I did squeak however, but since I had told them I would, they were not that surprised. The teeth themselves were fine. It was just that one (of two) fillings was a bit loose and needed to be replaced. Which was what she did. I got out with a new filling, but a bit less money!
My next visit was to the bank. I had heard so many conflicting stories as to what was possible regarding buying a home for myself, I decided to get it straight from the horse's mouth. She was of course nowhere near horse-like, although I didn't hear her laugh...
|Something like this would be nice!|
Anyway, horse play aside, buying a home. It turns out that some of the things I had heard were true. I needed to have 15% own capital to be able to buy. The other 85% were then put up by the bank. We then proceeded to find out how much the house could be. After some adding and subtracting, taking the square root out of the carrot bowl (whatever happened to the circular root?) and a lot more calculating, she figured that I could buy a home for around 900.000 kroner. Provided I had the 15%.
Which... I don't. I have 4%. Meaning I am only a teensy tiny bit short. There are a few options I could pursue though. Getting somebody else to co-sign. Putting up their house as collateral. Which for me is a no-go. If I can't do it, I am not getting somebody else to do it for me. Another option is to find a community that will actually loan me the 15%, a so-called top-loan. The community in which I live at the moment is not very top-loan friendly. There are however communities around here that are. A third option is to keep renting and to keep saving.
I will let you know what happens in due time.