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3. A home equity loan is the classic way to finance home renovations. Take out a loan against the equity in your own house. 1  Large amounts of money may be available for large projects like additions. 2  Lower interest rates than personal loans and credit cards. credit card that you pay off at the end of each month. Or a zero-interest that you don't have to pay off for six months or a year. Some homeowners pay off one zero-interest card with yet another zero-interest card, thereby creating a permanent, but risky, no-interest loan. 1  Money available quickly.
So if you wanted to buy a million dollar home you would need $200,000 down and finance $800,000 @ 6% is $4796 a month with around $800.00 a month for taxes and $100 for insurance for a total payment of $5696.00.It is recommend to be around 31% of a house payment to income so around $18,000 a month would qualify.. In order to afford million dollar house, the person require to earn a big amount of money. His income should be about 450,000 dollars to 500,000 dollars in a year ,depending on the person`s other expenditures ,his credits, no. of kids and other family members etc.