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Compare APR, Not Just Rate: APR includes lender fees and origination costs.
Check Prepayment Penalties: Ensure your lender allows early payoff without extra fees.
28/36 Debt Rule: Keep housing costs under 28% and total debt under 36% of gross income.
Shorter Tenure Saves Interest: A 15-year or 36-month term drastically cuts total interest paid.

Amortization: How your monthly payment splits between principal and interest over time.

Principal: The original loan amount borrowed before interest is added.

DTI Ratio: Debt-to-Income ratio used by U.S. lenders to measure repayment capacity.