{"id":4282,"date":"2024-01-19T10:08:00","date_gmt":"2024-01-19T10:08:00","guid":{"rendered":"https:\/\/lxme.in\/?p=4282"},"modified":"2024-10-29T09:34:24","modified_gmt":"2024-10-29T09:34:24","slug":"buying-a-house-guide","status":"publish","type":"post","link":"https:\/\/lxme.in\/v1\/buying-a-house-guide\/","title":{"rendered":"Buying a House: Your Ultimate Guide to Homeownership"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#Lets_look_at_the_costs_attached_while_buying_a_house\" >Let\u2019s look at the costs attached while buying a house:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#Now_lets_look_at_the_pros_and_cons_of_buying_a_house\" >Now let\u2019s look at the pros and cons of buying a house:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#Pros_of_buying_a_house\" >Pros of buying a house:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#Cons_of_buying_a_house\" >Cons of buying a house:&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#Lets_go_to_renting_starting_with_the_house_costs\" >Let\u2019s go to renting, starting with the house costs.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#Coming_to_the_Pros_Cons_of_renting_a_house\" >Coming to the Pros &amp; Cons of renting a house:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#Pros_of_renting\" >Pros of renting:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#Cons_of_renting\" >Cons of renting:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#So_which_is_better_renting_or_buying\" >So which is better, renting or buying?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#FAQs_Around_Buying_a_House\" >FAQs Around&nbsp;Buying a House<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#1_How_much_do_you_need_to_buy_a_house\" >1. How much do you need to buy a house?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/#2_How_can_I_buy_a_house_with_EMI\" >2. How can I buy a house with EMI?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>Embarking on the journey of <strong>buying a house<\/strong>&nbsp;brings forth the quintessential millennial dilemma explored in our insightful blog, The Millennial Dilemma: To Buy or Not to Buy a Home. Delve into the complexities of this significant decision, where financial considerations, lifestyle choices, and investment perspectives intersect.<\/p>\n\n\n\n<p>Whether you\u2019re grappling with the decision or seeking guidance, our article offers valuable insights to help you navigate the path to homeownership in the millennial era. Let\u2019s unravel the intricacies of house buying together!\ud83c\udfe1\u2728<\/p>\n\n\n\n<p>Millennials are often in a dilemma when <a href=\"https:\/\/lxme.in\/buying-vs-renting-home\/\">buying or renting<\/a>&nbsp;a home! While owning a place is a dream come true for most millennials, and the argument about house buying or renting a home seems futile, it all depends on the choice and affordability.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ed147f\"><span class=\"ez-toc-section\" id=\"Lets_look_at_the_costs_attached_while_buying_a_house\"><\/span><strong>Let\u2019s look at the <\/strong><strong>costs attached while buying a house<\/strong><strong>:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"has-text-color wp-block-list\" style=\"color:#8a53e5\">\n<li><strong>Down Payment<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No lender will sanction a home loan of more than 75%-85% of the property value.&nbsp;<\/li>\n\n\n\n<li>As a result, you will have to arrange for the remaining 15-25% of the value, which is called the down payment.<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"has-text-color wp-block-list\" style=\"color:#8a53e5\">\n<li><strong>Stamp Duty:<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This is a mandatory tax levied by the government on property transactions, generally between 4% and 7% of the property value.&nbsp;<\/li>\n\n\n\n<li>The charges vary across states and rural and urban areas within the state as well.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\" class=\"has-text-color wp-block-list\" style=\"color:#8a53e5\">\n<li><strong>Registration Fee:<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"has-black-color has-text-color wp-block-list\">\n<li>There is generally a 1% cost on the value of home levied on the buyer by the government during the purchase of the property. This is done in order to update the records of property ownership.<\/li>\n<\/ul>\n\n\n\n<ol start=\"4\" class=\"has-text-color wp-block-list\" style=\"color:#8a53e5\">\n<li><strong>Interest on Home Loan<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There is generally a 1% cost on the home&#8217;s value levied on the buyer by the government during the property purchase<\/li>\n\n\n\n<li>The interest rate differs according to the type of loan \u2013 fixed or floating \u2013 and the loan provider, loan amount, borrower\u2019s age, gender, creditworthiness, etc.<\/li>\n<\/ul>\n\n\n\n<ol start=\"5\" class=\"has-text-color wp-block-list\" style=\"color:#8a53e5\">\n<li><strong>Overhead charges:<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>These are over and above the property charges, which the homeowner bears to make the house livable.<\/li>\n\n\n\n<li>This includes all the interior design, like adding furniture, decorations, painting, plastering, electrification etc<\/li>\n<\/ul>\n\n\n\n<ol start=\"6\" class=\"has-text-color wp-block-list\" style=\"color:#8a53e5\">\n<li><strong>Additional Cost<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"has-black-color has-text-color wp-block-list\">\n<li>Here are some expenses you\u2019ll be spending money on as a homeowner that you don\u2019t have to pay as a renter:\n<ul class=\"wp-block-list\">\n<li>Property taxes<\/li>\n\n\n\n<li>Maintenance charges<\/li>\n\n\n\n<li>Repairs<\/li>\n\n\n\n<li>Parking charges<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color\"><span class=\"ez-toc-section\" id=\"Now_lets_look_at_the_pros_and_cons_of_buying_a_house\"><\/span><strong>Now let\u2019s look at the pros and cons of buying a house:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ed147f\"><span class=\"ez-toc-section\" id=\"Pros_of_buying_a_house\"><\/span><strong>Pros of buying a house:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>1. <strong>Financial security: <\/strong>House buying is considered as&nbsp;an asset that acts as financial security to protect you and your family.<\/p>\n\n\n\n<p>2. <strong>No landlord hassle: <\/strong>You do not have to worry about dealing with landlords. Whether for minor repairs or complete home renovation, you don\u2019t have to depend on your landlord.<\/p>\n\n\n\n<p>3. <strong>No uncertainty: <\/strong>In your own home, there is no fear of getting terminated from your landlord in case your landlord decides to end the termination of your tenancy.<\/p>\n\n\n\n<p>4. <strong>Freedom: <\/strong>Buying a house gives you&nbsp;complete freedom to redecorate and renovate the property as you are the owner.<\/p>\n\n\n\n<p>5. Good l<strong>ong-term investment<\/strong><strong><\/strong><\/p>\n\n\n\n<p>6. <strong>Tax benefits on home loans:<\/strong>&nbsp;Home loans can help you avail tax deductions, helping you save a sizable amount of money.<\/p>\n\n\n\n<p>7. <strong>Fixed EMI:<\/strong>&nbsp;The EMIs on home loans tend to remain stagnant throughout the tenure of the loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ed147f\"><span class=\"ez-toc-section\" id=\"Cons_of_buying_a_house\"><\/span><strong>Cons of buying a house:<\/strong><strong>&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"has-black-color has-text-color wp-block-list\">\n<li><strong>Maintenance costs:<\/strong>&nbsp;Owning a house requires more responsibility. You have to pay for your own maintenance or make time to take care of the household projects yourself. Although you are free to make changes accordingly, you will still be spending the costs from your own pocket.<\/li>\n\n\n\n<li><strong>Not a liquid asset: <\/strong>If you ever plan on selling your property, it may not be as quick of a process as you expect.<\/li>\n\n\n\n<li><strong>Property taxes:<\/strong>&nbsp;Although you don\u2019t have to pay rent every month, property taxes can go up.<\/li>\n\n\n\n<li><strong>No guarantee of increase in value:<\/strong>&nbsp;There\u2019s no guarantee a home\u2019s worth will increase, and values can also decline due to many factors.<\/li>\n\n\n\n<li><strong>High Upfront costs: <\/strong>There are several costs associated while buying a house, especially downpayment. No lender will sanction a home loan that\u2019s more than 75%-85% of the property value. As a result, you will have to arrange for the remaining 15-25% of the value, which is called the down payment.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ed147f\"><span class=\"ez-toc-section\" id=\"Lets_go_to_renting_starting_with_the_house_costs\"><\/span><strong>Let\u2019s go to renting, starting with the house costs.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"has-black-color has-text-color wp-block-list\">\n<li>There\u2019s only one cost- the actual Rent.<\/li>\n\n\n\n<li>You may have to pay an advance Rent upfront, in some cases, 3-12 months\u2019 Rent.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color\"><span class=\"ez-toc-section\" id=\"Coming_to_the_Pros_Cons_of_renting_a_house\"><\/span><strong>Coming to the Pros &amp; Cons of renting a house:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ed147f\"><span class=\"ez-toc-section\" id=\"Pros_of_renting\"><\/span><strong>Pros of renting:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"has-black-color has-text-color wp-block-list\">\n<li><strong>Better use of a down payment fund:<\/strong>&nbsp;Renting a house can help you build a higher corpus by investing the money you would have sponsored towards the down payment of a home.<\/li>\n\n\n\n<li><strong>No additional responsibility:<\/strong>&nbsp;You have no obligation to maintain the rented area. You can tell your landlord, and they will do all the repairs and maintenance for you.<\/li>\n\n\n\n<li><strong>Cost-effective in metro cities:<\/strong>&nbsp;Renting a house is sometimes more effective in cities where property prices are high.<\/li>\n\n\n\n<li><strong>Freedom &amp; flexibility to relocate:<\/strong>&nbsp;Relocation in case of a job change, etc., can be more accessible in the case of a rented house.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ed147f\"><span class=\"ez-toc-section\" id=\"Cons_of_renting\"><\/span><strong>Cons of renting:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"has-black-color has-text-color wp-block-list\">\n<li><strong>Increasing rent:<\/strong> Your landlord is likely to increase the rent every year.<\/li>\n\n\n\n<li><strong>Restrictions: <\/strong>You can only change the rented house with your landlord\u2019s approval. You must first go to your landlord, even if it requires minor repairs.<\/li>\n\n\n\n<li><strong>No security:<\/strong>Your landlord can evict you at any time. They can sell the property to make a profit if real estate values increase.<\/li>\n\n\n\n<li><strong>Compromising: <\/strong>You may have to compromise on several aspects while renting a house. It can be the furnishing, size, amenities or location of the house.<\/li>\n\n\n\n<li><strong>No returns on investment:<\/strong> &nbsp;You don\u2019t get any return on the property if you are on rent. The real beneficiary is the owner of the house, who earns an income. The owner will also benefit from it in the long run.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ed147f\"><span class=\"ez-toc-section\" id=\"So_which_is_better_renting_or_buying\"><\/span><strong>So which is better, renting or buying?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"has-black-color has-text-color wp-block-list\">\n<li><strong>It\u2019s not just about money:<\/strong>&nbsp;Although money plays the most crucial role in deciding whether to buy or rent a home, many other factors play a part in deciding which to choose- How long you plan to live in a specific location, if you want to change your house\/locality or city shortly your plans for the future, your career goals, etc.<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"has-black-color has-text-color wp-block-list\">\n<li>Make sure you\u2019re willing to <strong>commit to long-term homeownership <\/strong>before making any decisions. You can consider buying a house if you think it\u2019s time to settle down and start a family or build a career in a specific company or location.<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"has-black-color has-text-color wp-block-list\">\n<li>If you still think there is much to see in this world or aren\u2019t sure about your career choices, renting is most likely the best option for you, as it <strong>provides you with greater flexibility.<\/strong><\/li>\n<\/ol>\n\n\n\n<p><strong>Share this blog with your friends and family if you find it insightful!!<\/strong><\/p>\n\n\n\n<p><strong>Download the&nbsp;<a href=\"https:\/\/lxme.onelink.me\/95JV\/moneycoach\" target=\"_blank\" rel=\"noreferrer noopener\">LXME app<\/a>&nbsp;now to start investing! Happy Investing!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_Around_Buying_a_House\"><\/span><strong>FAQs Around&nbsp;Buying a House<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1696593705021\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"1_How_much_do_you_need_to_buy_a_house\"><\/span><strong><strong><strong><strong>1. How much do you need to buy a house?<\/strong><\/strong><\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p><strong>Down Payment: <\/strong>Typically 20% of the property&#8217;s value, but percentages vary.<br \/><strong>Closing Costs:<\/strong> Additional expenses covering legal fees, registration, and more.<br \/><strong>Emergency Fund: <\/strong>Ensure savings for unexpected homeownership costs.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1696593710075\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"2_How_can_I_buy_a_house_with_EMI\"><\/span><strong><strong><strong><strong>2. How can I buy a house with EMI?<\/strong><\/strong><\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p><strong>Loan Approval:<\/strong> Secure mortgage approval based on your financial health.<br \/><strong>EMI Calculation:<\/strong> Determine affordable Equated Monthly Instalments (EMIs).<br \/><strong>Credit Score:<\/strong> Maintain a good credit score for favorable loan terms.<br \/><em>Delve into the Millennial Dilemma of homeownership at LXME&#8217;s guide.<\/em> #HomeBuying #FinancialPlanning \ud83c\udfe1\ud83d\udcb0<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%;\">\n  <iframe \n    width=\"100%\" \n    height=\"100%\" \n    src=\"https:\/\/www.youtube.com\/embed\/lroQIB2yaWA\" \n    title=\"Rent or Buy a House- Which is better?\" \n    frameborder=\"0\" \n    allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" \n    allowfullscreen\n    style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\"\n  ><\/iframe>\n<\/div>\n\n\n\n<p>To stay connected with&nbsp;<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.lxme&amp;hl=en&amp;gl=US\" target=\"_blank\" rel=\"noreferrer noopener\">LXME<\/a>&nbsp;and access inspiring content, follow us on&nbsp;<a href=\"https:\/\/www.instagram.com\/lxmeofficial\/\" target=\"_blank\" rel=\"noreferrer noopener\">Instagram&nbsp;<\/a>and subscribe to our&nbsp;<a href=\"https:\/\/www.youtube.com\/@LXMEofficial\" target=\"_blank\" rel=\"noreferrer noopener\">YouTube channel<\/a>.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"How much do you need to buy a house?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Down Payment: Typically 20% of the property\u2019s value, but percentages vary.\nClosing Costs: Additional expenses covering legal fees, registration, and more.\nEmergency Fund: Ensure savings for unexpected homeownership costs.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How can I buy a house with EMI?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Loan Approval: Secure mortgage approval based on your financial health.\nEMI Calculation: Determine affordable Equated Monthly Instalments (EMIs).\nCredit Score: Maintain a good credit score for favorable loan terms.\"\n    }\n  }]\n}\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Embarking on the journey of buying a house&nbsp;brings forth the quintessential millennial dilemma explored in our insightful blog, The Millennial Dilemma: To Buy or Not to Buy a Home. Delve into the complexities of this significant decision, where financial considerations, lifestyle choices, and investment perspectives intersect. Whether you\u2019re grappling with the decision or seeking guidance, <a href=\"https:\/\/lxme.in\/v1\/buying-a-house-guide\/\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  Buying a House: Your Ultimate Guide to Homeownership<\/span><\/a><\/p>\n","protected":false},"author":11,"featured_media":6502,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[659,655],"tags":[],"class_list":["post-4282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan","category-saving"],"acf":[],"_links":{"self":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/4282","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/comments?post=4282"}],"version-history":[{"count":12,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/4282\/revisions"}],"predecessor-version":[{"id":8712,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/4282\/revisions\/8712"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media\/6502"}],"wp:attachment":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media?parent=4282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/categories?post=4282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/tags?post=4282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}