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BERLIN, March 16 (Xinhua) -- Schalke progressed into the next round after beating Monchengladbach 2-2 (3-3 on aggregate) on away goals in the Europa League's round of the last 16 on Thursday.

Borussia Monchengladbach were unable to protect a two-goal lead as second-half goals from Schalke's Leon Goretzka and Nabil Bentaleb paved the way to the quarterfinals.

The "Foals" grabbed a promising start into the game as Raffael's set up almost allowed Josip Drimic to open the scoring. However, the unmarked striker failed to head home from eight meters with 18 minutes played.

Raffael remained in the thick of things as he unleashed left-footed hammer from 19 meters, which missed the target just wide in the 22nd minute.

The host's efforts finally paid off 26 minutes into the encounter, as Andreas Christensen utilized a flicked on free kick to slot home with a deflected shot from the near post corner.

Monchengladbach kept it bowling and punished Schalke just before the break as Mahmoud Dahoud completed a counterattack after drilling the ball from 23 meters into the top left corner.

The Royal Blues remained unimpressed and responded after the restart as Leon Goretzka's long-range effort bounced over Monchengladbach goalkeeper Yann Sommer to reduce the arrears to 2-1 in the 54th minute.

Schalke gained momentum while things went from bad to worse for the hosts in the 68th minute when referee Mark Clattenburg awarded the visitors a controversial handball. Nabil Bentaleb stepped up and leveled the scores from the penalty spot.

Monchengladbach pressed frenetically as they needed a win to advance into the next round. Nevertheless, Schalke were able protect the two-all draw as Monchengladbach lacked in accuracy in the closing period.

With the result, Schalke secured their first European quarterfinal since 2012, while Monchengladbach will have to keep waiting. The last time they advanced to a European quarterfinal was 21 years ago.

"We had the will and bounced back. We rewarded ourselves with the 2-2 draw and believed in us. That's why we progressed today," Schalke head coach Markus Weinzierl said.

Monchengladbach head coach Dieter Hecking was sour about the result of the match. "We unfortunately crashed out of this competition. It is disappointing but we have to accept the defeat. It wasn't a handball penalty from my perspective."

Gerdas Babarskas (top) of Lithuania shoots against Norway during a Group 7 match of the Qualification Phase 2 for EHF EURO Croatia 2018 in Vilnius, Lithuania, Nov. 6, 2016. Lithuania won 32-29. (XinhuaAlfredas Pliadis)

Finance > Credit > Credit ReportPoor Credit Home Mortgage Loans - Getting Approved With No Down Payment

Posted by nick_niesen in Finance on October 29th David Njoku Youth Jersey , 2010

When applying for a new mortgage with poor credit, you may be wondering whether or not you can get approved with zero down. There are a few factors that will influence this. Consider these points:

1. Poor Credit Will Put More Weight On Your Employment History & Salary - When you are putting less money down and have credit problems, this will cause the lender to look more heavily at the stability of your employment history and income. If your debt-to-income ratio is low and you have been at your job for more than one year, this will help you toward getting 100% financing.

2. Lenders Will Look Closely at Your Most Recent Payment History - Many people have had financial difficulties in your past, but one of the most telling things for a lender, is what your most recent payment history has been like. If you have a bankruptcy that is more than a few years old, but over the last few years have made regular, on-time payments on all of your existing bills, you are more likely to get approved for 100% financing.

3. Consider Having The Home Seller Pay The Closing Costs - If, with poor credit, you are able to get 100% financing, it will probably be quite a stretch to have the lender also wrap the loan closing costs up in the mortgage loan as well. When you make your offer on your new home, consider including in your offer that the seller pay all of the loan closing costs. This is a common practice, and it is highly likely that the seller will agree.

Try pulling a copy of your own credit report to see how bad your credit really is. Make sure you have disputed all inaccuracies on your credit report before you allow a mortgage lender to pull your credit. If possible, pay down as many high balance revolving credit accounts as possible. This can help increase your credit score significantly.

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