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* **Loan term**: The longer the loan term, the lower your monthly payments, but you'll end up paying more interest overall.
Both mortgages and auto loans typically require a down payment, which is a portion of the purchase price that you pay upfront. The required down payment percentage varies depending on the type of loan, the lender's policies, and your individual creditworthiness.


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There are numerous types of mortgages, each with its own distinct features and advantages. Understanding the various options available can help you choose the best fit for your individual needs and financial goals. Some common mortgage types include:
* **New Car Loans:** These loans are specifically designed for financing the purchase of a brand-new vehicle. Interest rates for new car loans are generally lower than those offered for used cars.
<h2>Auto Loans: Fueling Your Mobility</h2>
### 1. Secured Loans: Both Mortgages and Auto Loans are Secured
<h3>Down Payments: The Initial Investment</h3>