Before you take out a home loan you should:

• consider whether your income is sufficient to ensure the payment of the debts you intend to incur;

• evaluate the impact on your effort rate, calculated as a quotient between the monthly instalment amount due under other credit agreements that you have and the monthly income earned;

• provide true and complete information about your economic situation so that the institution can correctly assesses the risk of the loan;

• compare different offers, taking into account the annual percentage rate of charge (APR) and other elements included in the European standardised information sheet (ESIS);

• read carefully the draft of the credit agreement and clarify any doubts you may have with the institution or the credit intermediary.