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  1. Do not want to be disabling joy - but if necessary then need.
    To get a loan should:
    Credit score This is true and should also:
    Proof of income and this with a W-2 or similar proof.

    Today big banks are much more cautious in providing loans.

    And it's true that you can get a loan of 95 a percentage and that's when you can prove good credit, good income, stable job.

    A teacher, a policeman, a municipal employee - someone with a fixed income can get a loan of 95 percent.

    I sold a home and the buyers received 97 loan percentage.

    Hope I helped

  2. Hi Tami, There is no connection to the place of residence in Israel. An American citizen can get loans more easily than non-citizens and the conditions will be better, but the central point is whether he has a good credit rating at the bank to get a loan.