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Important Tips in Buying First Home
There are plans to buy a home but do not know the right way in choosing a house to buy? Moreover, this house is the first house that you will buy. In addition, the payment method you choose will also affect the process will pass. Buying a home is not an easy thing. Many things have to be prepared and considered thoroughly.
Here are tips to get your dream home:
1. The tube and the tube again
If you've been on this stage, we think you've been very good at saving money. You already know how enough for a down payment, but there are some other things why you should have a little more money. These savings will help you to cover unexpected expenses when interest rates rise and increase the cost of your mortgage. As a guide when calculating your budget, do not commit more than 30% of your income to the cost of the house. Then, do not forget to check whether the total price you ask is included with the tax, so you are not surprised when paying.
2. Choose Location
Location is the most important factor when we bought the house. It is natural in the real estate person familiar with the term, location, location and location. Not only the first home buyers, everyone will see the location as the main thing in buying a home. Location relating to access to transport, availability of public facilities, secure or absence of the danger of flooding and so on.
3. Prepare Funds
Prospective property buyers often ask questions about expenses that need to be removed. For most people, especially the ordinary people, extra costs are often staggering because of the money that needs to be removed is not small.
4. Price
You need to plan in advance, what price would you buy a house? So you are more focused on the housing offer price as you want. Thus you can save your time for other activities.
5. Track Record Developer
Before deciding to buy a new home, it's good to check out who the developer. How is the track record of the developer over the years. Are often late for handing over the house? How is the quality of the building in previous housing projects. To find out you can look for housing or developer testimonials about it on the internet.
6. Get permission mortgage (KPR)
One of the best ways that you remain in the financial limits is to get mortgage approval. This shows real estate agents and vendors if you are serious to buy. It also gives you more bargaining power and prevent the failure of approval for financial reasons when you start to negotiate on the property.
7. Completeness Amenities
You can choose a house according to your wishes with various facilities offered by the developer. Amenities at least we can see both internal and external facilities. Intern typically include religious facilities, sports venues, playgrounds. And no less important also that external facilities such as the proximity of housing to hospitals, schools, markets and family recreation, also be a deciding factor for buyers choice.
8. Ease of Payment
There are several ways the house payments are usually offered by developers is hard cash, cash loans and home mortgages. For those of you who have sufficient financial ability, how to pay hard cash is certainly an option. Developers will give you a big discount morning shoppers in this way. But for the financial capability pas-pas's, how to pay the mortgage and cash gradual long would be excellent.
9. Ensure When to Handover Units
Ask to the developer, when you can occupy a housing unit that you buy. If there is delay, the consequences of what will be accepted by the developer.
Do not immediately decided to take the first property you see. First review the selection of what is on the market about the location you want, even if it is just a simple online search to make sure you get the best price. Thus some important things you should consider and survivors choose your first home!
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