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Sunday, August 24, 2014
5 Important Tips In Buying First Home
However, a few simple tips can eliminate the confusion in the process of buying a home. 5 Follow the steps below to ensure that your experience of buying a first home is not confused.
1 pipe, tube, and the tube.
If you've been in this stage, we think that you have been very good at saving money. You already know how enough for a down payment, but there are some other things because you should have a little 'more money. These savings will really help cover unexpected costs when interest rates rise and increase the cost of your mortgage. As a guide for the calculation of the budget, do not commit more than 30% of their income on housing costs. So, do not forget to check if the total price you ask the tax is included, so you are not surprised at the time of payment.
2 Prepare for Inspection
Bring a digital camera, and for inspecting and taking notes on the property at the time of check out. Rate for each property to be displayed in a scale of 1 to 10, taking into account the position factor, your budget, and if remodeling or repair needs. Most likely you will see some houses on some weekends, and this is an easy way to show where the property is worth in the calculation. After inspection, be sure to check the legal status of the house. Have the certificate or building permit for the prevention of fraud, which is rampant in Indonesia.
3 Get mutual recognition (mortgage)
One of the best ways to stay on the financial limit is to obtain the approval of the loan. This shows a real estate agent and the seller 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.
4 pay more for an expert opinion.
If the tight financial situation, you'd be tempted to forgo this step. We really understand the logic - you have to spend a lot of money to buy a dream home - why should exit if it does not need more money? However, for the future, pay a lawyer to check the validity of a house surat2 can save time and money as well as saving for more fraud certificate.
5 Check the price list of the same type in the area around the house.
Do not decide now to take the first property you see. Reviewing the first choice of what's on the market around the position you want, even if it's just a simple search online to make sure you get the best price. Investigate ads in Lamudi to find information on what options are available. The final decision can be based on the knowledge of the local real estate market.
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