Wanting to buy a property is not enough, it is necessary to have the means to do so or, at the very least, to have sufficient repayment capacity in order for the bank to agree to your mortgage loan. To find out if you have a good credit profile, the financial institution will use criteria such as your income (as a rule mortgage payments cannot exceed 33% of net income), the stability of your job, the future development of your professional career, sound financial behaviour (your account is rarely in overdraft and you have no significant debts) and the share of your financial contribution in your purchase amount. Do not forget that many related costs are related to your real estate purchase such as notary fees, mortgage fees, insurance and other enjoyment fees (see our article Real estate purchase: pay attention to "hidden" fees). If you do not have enough money to cover all these expenses, it's best to wait until your piggy bank is full before buying.