It is important to start from the big picture and end with the big picture. The first thing to consider are the general locations. Where in the city do you want to buy? In the same area where you live now or elsewhere? Once you choose the general area, it’s time to start your research, you should look for the availability of schools and how close is the nearest hospital, supermarket, your workplace and things like this. Consider and compare these to your actual location and decide if it’s convenient for you. If not, try another location and continue until you find the perfect spot.
Now do a real estate agent search, find someone who is known and has an established reputation and a physical office with a secretary and all. Make a list of some and visit their offices, talk to them without committing to hire them. Let them know that you are buying from someone who can help you find a home. Real estate agents can be aggressive; They live off the commissions they make so they can be stubborn. If you’re not comfortable with the person, walk away, looking for a home is stressful enough without having to do it with someone you don’t like or feel uncomfortable with. From the list, choose the one that makes you feel better and has the best sales record.
When signing the contract with the real estate agent, make sure that it does not give you too much exclusive time to find your home. If you can’t do it within three weeks, you won’t be able to do it. Therefore, do not sign the contract if you request more than thirty days of exclusivity. Also make sure the commission is within the law and make an effort to narrow it down a bit. As usual, take a good look at the fine print and ask any questions you have. If you think it is necessary, have your personal attorney review it and approve your signature. Once this is done, we go to the essentials.
This is a family matter, so the whole family should be involved. You need to have a general idea of what you want your home to have. This would include the number of rooms, a patio, a front patio, one or two floors, a study, these kinds of things. We are looking for a general idea not for an exact house plan. In doing this, don’t think about today, think about tomorrow. One day the children will grow up and leave and you will be left with a huge empty house. Think of something comfortable but also practical.
Now is the time for the difficult part, this is not for a family reunion; This is between husband and wife. Sit together and look at your numbers, how much you can spend in your dream home without going overboard. If you are going to borrow the money, you need to do the math and get a monthly amount that you can comfortably afford. Don’t forget to set aside a reasonable amount in an emergency or on vacation from time to time. Remember that buying a new home should give you happiness, not a burden. Be reasonable and look at the numbers, don’t consider a possible raise, inheritance, or lottery. Work only with what you have in hand now. If you are going to borrow money from your bank, see your banker and ask him to give you the amount and conditions that the bank will allow you. Using your personal numbers to determine how much you can comfortably pay the bank each month, choose the amount you will borrow and how long you want to repay the loan. You don’t necessarily have to accept twenty years or any other amount, if you can repay the loan in ten years, do so. The later, the more money the bank will take in interest. Don’t forget to negotiate the interest rate and get everything in writing from the banker.
Now is the time for your chosen real estate agent to work. Give it the location, general needs, and layout plus how much you can or are willing to spend on it. Give it some time to find several houses that are close to what you want. We come back to the whole family again, make an appointment to visit the properties; on a Saturday if possible, that way everyone can come and give their opinion. No, repeat, don’t get excited about any of the properties, even if you’re looking for the perfect home for you. Look around you, ask questions, look at everything again and ask to see the next property. When the tour of all the houses ends, tell him that you are not sure and would like to see more houses as soon as possible. Do the same for the next set of houses.
Call a family gathering and discuss the pros and cons of each house. Take notes on the points mentioned by everyone, everyone will live there, so a close vote would be fantastic when the decision is finally made. All the points mentioned above must be discussed to reach a decision, they are all important. Don’t include money in this, just the house itself and the location, so you don’t need to know. After hearing everyone’s opinion, we return to the husband and wife, it is up to you to weigh all the information for a final decision. See, that was easy, now is the time to make an offer and proceed to close and move into your new home.
If you requirement to relish the Secure Account: Making money in the soothe of your own housing oeuvre online, then this is for YOU!: Click Here
Comentarios
Publicar un comentario