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The total amount you wish to borrow.

This is why you need a loan if you are buying, refinancing or building your home or investment property.

The difference between owner-occupied residences and investment properties comes down to what you intend to do with them. When you're buying a home or apartment you intend to live in, it's called an owner-occupied property. If you plan to rent it to tenants or flip it, it's considered an investment. If you are buying a property this is for a property you previously don't own, Refinancing- is the process where you get a new mortgage for a current loan you already have. Building is when you are building a new home.

The total amount you wish to borrow.

This is why you need a loan if you are buying a new car, buying a used car from a dealer or refinancing your current car.