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Property buyers aged 40 and over are welcome customers at banks. “People over 40 are usually established in their careers and are considered reliable clientele by many banks,” says Olga Magunia, specialist in construction financing at the financial consultancy Dr. Small. Even those who have become self-employed or have changed jobs shouldn’t shy away from requesting financing: “The banks are then interested in the reasons behind their life decisions,” says Magunia. If this is plausible, even an unusual life situation is not a general exclusion criterion for real estate financing.

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