If you both have good to excellent credit, that will go a long way to improve your approval odds and the likelihood of landing the lowest interest rate and saving the most money.
In the run-up to the G20 summit in Seoul, Lula's finance minister, Guido Mantega, told journalists that Ms Rousseff "wants to work with lower interest rates" - a move that puts her at odds with Mr Meirelles' avowed strategy of using rate rises as "the basic instrument" to control inflation.