10. You pay too much attention to interest rates
The interest rate isn’t the only payment you need to cover. Lots of people bump into awkward situations when they take “rewarding” loans with low interest rates only to find out that they have to repay much more than in other cases.
You also need to pay close attention to insurance cost, commissions and ongoing payments, different extra payments that are included in the contract and fees for money transfer to the bank’s account. These factors are sometimes even more important than the interest rates.