6 Home Loan Truths Banks Won't Tell You

When you buy a house with a loan, the bank might not tell you about all the extra fees, like processing or documentation charges.

You should always ask for a list of all costs before you agree to anything.

Also, if the bank says you must buy insurance with your loan, that's not true; you can choose your own or not buy it at all.

Applying for loans from a few different banks at the same time can help you get better terms.

If you get a loan with your spouse, you can both get extra tax breaks, potentially saving a lot of money.

In some places, registering the house in a woman's name can mean you pay less tax for the registration.

Lastly, make sure the building project is approved and that you get a special 'Occupancy Certificate' before you move in, as this means it's safe and legal to live there.