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If you don’t have a lot of ready cash or great credit, there are some ways to own a home without making a large down payment. This insurance actually protects the lender in case you default on the loan. The bad news is that mortgage insurance increases your monthly loan payment. Many lenders remove the insurance when you’ve paid off 20 percent of the loan.If you’re a first-time homebuyer, there are programs that allow you to make a low down payment.Until recently, the existence of the 800-square-metre (8,600-square-feet) labyrinth had still been a secret, albeit not a very good one."There have always been rumours about it" among locals because of its location on a sealed-off military base, newly-appointed bunker guide Mihael Petrovic told AFP.For the underground tour, visitors are taken from the town of Kocevje to the Skrilje bunker in small vans and asked to leave their mobile phones at the entrance.

If you don’t have a goal in mind, however, it’s hard to know how much to save and for how long. If you know how much you want to spend on a home, simply figure on the 20 percent down payment and determine how much you’ll need to save, based on 28 percent of your gross monthly income.

The traces of his controversial reign remain visible throughout countries that once belonged to the republic, which collapsed in 1990.

Up to 50 secret military bunkers were built across Yugoslavia during the Cold War, according to retired Slovenian army officer Marijan Kranj, who wrote a book on the topic.

Although it is smaller than other bunkers, its mint condition provides an excellent insight into Slovenia's communist past, said Petrovic."People now have the opportunity to learn about a period of our history that is far too little known," he added.- Communist elite shelters -Tito ruled over the former Yugoslavia from 1945 until his death in 1980 in Ljubljana, having been named president for life.

He oversaw a Socialist regime that was far from democratic but nevertheless much softer than behind the Iron Curtain.

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