FICO Score is mentioned on the Credit Report, issued by the Credit Bureau SA, is a number between 300 and 850, a a result of an analysis that indicates the probability that the persona concerned will fulfiil his contractual obligations.

The natural persons who carry out independent activities and have the obligation to keep the accounting records, will complete the register-journal of receipts and payments. Specifically, people who earn income from: 

You can do a market analysis yourself and access a mortgage, but it is not necessary:

Your logbook😊

1. You decided to buy a house and you begin to study the market of mortgages loans: you assess and compare banks on proficient webpages, by you get an initial answer about loans and their costs.

2. You have chosen 5 banks (with low costs), you make 5 trips to 5 banks, you wait turn to the bank loan officer from the first bank, you receved the first offer and then move to the next bank, next offer and so on, until you get 5 offers, from all 5 banks.