Buying a home is one of the most important investments many of us make throughout our lives. In this context, housing credit emerges as an essential tool to turn this dream into reality. However, opting for a loan to purchase property is a decision that involves several factors that go beyond the simple search for the best interest rate. From analyzing financial stability to choosing the type of property, each step can significantly impact long-term financial health. In this article, we'll explore the key factors to consider when choosing a mortgage, helping you make informed decisions and navigate this complex process with confidence.