A CVT does not strictly require the presence of a clutch. Nevertheless, in some vehicles (e.g. motorcycles), a centrifugal clutch is added to facilitate a neutral stance, which is useful when idling or manually reversing into a parking space.
While it does not take perfect credit to get a decent mortgage, buyers with better credit scores get mortgages with lower interest rates and may be exempt from certain fees during the mortgage process. First-time home buyers should be aware of their credit histories and expect mortgage rates to reflect them.
First-time home buyer guide. If youâre a first-time buyer wondering what you need to buy a house or flat, youâve come to the right place. This guide takes you through the process of buying your first home, including saving your deposit and applying for a mortgage. How much deposit do I need to buy a house? Make sure you can afford your monthly repayments