First, you need to know what your credit score is like. Have you had a spotless credit history for quite some time? If not, how long ago was your latest credit or bill mishap? The more you know about your finances, the easier it will be to spot an error on your credit report. Removing just one mistake could really give you that much more property credit or better interest rates.
Next, know what you can afford to pay each month on a property credit loan. Be realistic about this estimate so that you do not get in over you head in terms of payments. Look at your income and your expenses to that you can plan accordingly. Your property credit loan is something that shouldn't add undue stress to your life.
Lastly, it's important to shop around so that you can compare property credit rates. You never know which groups will give you the best deals. This is why it pays to see what credit unions, credit card companies, banks, and other financial organizations have to offer you. You may be approved for a hefty credit loan, but this doesn't mean that you should pay more than you have to.
Sort through all of your financial information so that you know exactly what you can afford to pay each month on property credit loans. The lower your interest rates, the more money you will save. Consider this an investment that will mature over time and will reap you some serious returns.