Financingisthekeytomostrealestatetransactions,soifyouarebuyingrealestateforyourpersonaluse,consumercreditconsiderationsareofparamountimportance.Unlikethestandardstockleveragingscheme,wherethedebtiscappedat50percentoftheprincipalvalueofthetransaction,thestandarddebt-to-assetratioinrealestateorwhatthebankscalltheloan-to-valueratio,is80percent,witha20percentdownpayment.Insuchaninstance,thelenderlooksasmuchtothecreditoftheborrowerastothevalueoftheproperty,tobesureofrepayment.Hence,yourrecordofpaymentofotherdebts,orlackthereof,willbeacriticalfactorinwhetherornotyougetcreditforahomepurchase.Otherfactorsthatcomeintoplayareyouroverallfinancialpicture.Ifyouhavelargeamountsofotherassetssuchasstocks,thatwillhelp.Retirementassetssuchasindividualretirementaccounts(IRAs)cannotbeusedtosecureloans,buteventheymayindirectlycountinaborrower’sfavorasevidenceofastuteness.Ifyouarebuyingpropertyforrentalasabusiness,thenmorebusinesslikeconsiderationsapply.Thebankwillstillwanttoevaluateloan-to-valueandincome-to-debtserviceratios,butmaygivelesserweighttoyourpersonalfinancialsituation.Yourpastbusinessexperience,eitherinrealestateorinotherareas,willbetakenintoaccount,aswillyourbusinesscreditrecord.Inunusualcases,thelendermayrequireyoutosignforloanspersonally,inwhichcaseyourpersonalfinancialsituationwillmatter.Thereareseveraltypesoflenders.Themostcommononeisafinancialinstitutionsuchasabankorasavingsandloan.AsecondisgovernmentagenciessuchasVeteran’sAdministrationortheFederalHousingAuthority.Thethirdsourceoffinancingisownerfinancing.对于大多数房地产交易来说，关键在于资金问题的解决。一旦你决定买房，重中之重便是考虑消费品信用贷款。与标准存量中要求债务上限为交易本金的50%的平衡计划不同，在房市中，标准负债与资产比率（银行称之为贷款与价值比率）可达80%，只需20%的预付定金。在这种情况下，贷方把借方的信誉和资产看得同样考试&大重要，以确保借方有能力偿还债务。所以，你的其它债务的还款记录（或者记录缺失）将会成为致命因素，直接影响你能否获得购房信贷。当然，还有一些因素在起着作用，它们也会影响你的整个筹资计划。你如果有大量的诸如股票之类的另类资产的话，这会对你的信贷非常有利。个人退休金帐户之类的退休资产虽然不能用来做贷款担保，可即便如此，它们却会证明你很精明，并因此而博得贷方的好感。如果你购房是为了商业经营，那你就需要一步步深思熟虑。银行仍然会对你的贷款与价值和工资与债务的偿还比率进行评估，但可能会低估你的个人财务状况。你的商业信贷记录也会被纳入评估的考虑范围，以往的经营经验（房地产或是其它领域）也会被予以考虑。特殊情况下，贷方可能要求本人亲自签收贷款，此时，你的个