How to increase income number in mortgage affordability calculation?

I agree that real estate should be bought only when the financial and professional situations are pretty solid.

Has anyone looked into alternative financing solutions like maizon.ch or cactous.ch? (not affiliated, just keep seeing ads for them.)
It’s called rent to buy.

Might be interesting to decrease the opportunity cost of have money locked into the downpayment.

Its never late thank you ! Just lets me reassure myself that this decision is correct one - when more people agree with it

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