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There’s one crucial distinction, though: They have the option every time their lease expires to both go away the house, renew the lease, or make a proposal to purchase the house wherein they are residing. Many rent to personal agreements even enable residents to pay slightly extra every month that the landlord uses as a type of down cost. This arrangement makes particularly good sense for shoppers with low credit scores. At the moment, פרסום דירות למכירה mortgage lenders rely heavily on these three-digit scores to find out who will get mortgage loans and at what curiosity charges. If the residents resolve to make a proposal on the house, they will use that additional cash to pay down a portion of the house’s remaining gross sales worth. Consumers with low scores, under 620, will struggle to acquire a mortgage loan from standard mortgage lenders. It would make extra sense for them to as a substitute, enter a rent to own agreement and slowly rebuild their credit scores.