You can never leave

P.J. would like to to share his story about home loans. He had no trouble getting a loan, but the problems came later.

"I would like to warn folks that the 'regular' home loan interest rates at many major banks come tied with a quiet condition that the homeowner or his direct family must constantly live in the home. This is very inconvenient if you happen to get transferred on business for a year or two to another city. When I tried to inform my bank of a move, I was told flat out, 'You can't do that.'

"Even worse is if you were to attempt renting your home for the interim — a terrible vice, apparently.