The article discusses the importance of financial readiness when applying for a home loan, emphasizing that banks must ensure monthly payments are manageable for clients. Margit Volt, the head of home loans development at Luminor Bank, states that applicants can influence their payment capacity through informed choices. She advises potential buyers to consider their actual affordable property value, taking into account income, existing obligations, and various regular expenses.

Volt recommends utilizing a mortgage calculator available on the bank's website to determine the maximum loan amount one might qualify for. Additionally, she encourages applicants to submit a loan application to have their financial situation assessed comprehensively. This approach gives candidates a realistic overview of their potential borrowing limits and helps avoid confusion caused by various obligations that could affect their payment capabilities.

The article emphasizes the need for careful consideration before selecting a property, advocating for a strategic understanding of one's financial standing. By making well-informed decisions and comprehensively evaluating their finances, prospective homebuyers can position themselves better in the mortgage application process, thus enhancing their chances of securing their desired home loan.