Abstract
The purpose of this article is to present mortgages as a solution for real estate buyers within the real estate market, providing an understanding of how mortgages work, the advantages and risks involved, as well as their impact on the real estate market as a whole. The article focuses on the relevance of mortgage loans as a solution for individuals intending to purchase real estate properties by outlining and detailing the essential stages that interested individuals go through. Additionally, the current situation of the mortgage credit market is analyzed, both on a national and international level, through the lens of key indicators associated with mortgage loans, while also examining expert opinions on market trends.
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