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Before you start calculating how much you can borrow, it’s worth taking a step back. Numbers on their own can give you a rough estimate, but they don’t always reflect your full financial situation. It’s easy to focus on the maximum amount available, but that doesn’t always translate into something…

In some of the most expensive residential buildings in the United States, a quiet shift is taking place in what buyers are actually paying for when they purchase a home, and it is beginning to influence how luxury property is priced and justified in ways that are not immediately visible…