Why an average income can hide a difficult repayment week
Free- A monthly total removes information about dates.
- A dated scenario exposes the gap and identifies which assumption needs clarification.
Pricing
Joint responsibilities
Request the method and dated amount under the agreement. General explanations should identify what to check rather than invent a fee limit or promise that repayment is always free.
The quiet-month bias in a borrowing budget
Free- A recent period without annual bills or repairs can make available income appear unusually generous.
- Including their timing improves the description without inventing a reserve rule.
Expected extra income should remain an assumption
Free- A bonus, overtime or hoped-for sale can support a scenario without being certain.
- Separate confirmed receipts and conditional ones, then show the effect of the latter not arriving.
Know which documents matter
Read the fixed and variable rate guides
Locate the rate conditions in the written offer and note which figures could change over the repayment term.