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Here it comes! My first down payment, 704 Euros, has arrived and it surprised me a bit. It was 50 Euros more than expected because I started a month and half earlier. Anyways, I immediately asked the bank and received an explanation quickly. I will have to pay at the same time my rent and the mortgage for 3 months: October, November and December 2013. January and February will be paid for by the company that built my studio as late payment fees.

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