8 Things To Look For Before Buying a Home

Almost certain that every person has a desire to have an ideal home in accordance with the criteria. Home, not only as a dwelling for us, but also as a form of investment, do not let you buy a house at this time next year but for years down the price even became, in addition, you also should not be too tempted by the various offers homes with a variety of advantages but there has been no land title. For that, for those of you who would buy a house look better troubleshooting tips below before buying a home. Here are 8 things to consider before buying a home. You definitely excited when going to buy a house for the first time. What comes to mind is to own their own home, as soon as laid out and furnished as they pleased, so you wait puntak soon have his new house in the suburbs.

However, you should pay attention to the terms and conditions of purchase of the house the house itself before deciding to buy a house. Because later, the house you buy is one form of your investment in the future so do not feel the loss later on. As consideration, the following things you need to consider before buying a house:

1. How is your track record?
Borrow money in the bank is still a way of getting your dream house. Only, this way will never materialize if your name has been "eliminated" from the list of prospective borrowers by one of the bank where you have previously borrowed funds. Call, it is because you have no good record in solving credit card debt or loans without collateral, for example.

You need to know, every bank will often forward the reports of bad behavior of its customers at other banks because there is such a network form between them, so it is hard to make a loan or loans again in the future.

For that, prior to pick up your dream house, make sure no incorrect information about the flow of loan your credit or no credit score mistakes. For example, the value of your loan limit has been reached that it was impossible to borrow money again. In addition, if correct a mistake, make sure you get it over with so that could easily apply for a loan again.

2. Do not hesitate to consult
Ask anyone, whether friend or your brother who never use the services of borrowing. Invite them to share experiences and can refer you to a bank that does have credibility.

However, you also have a duty to examine and compare multiple quotes from lenders it. You do not need to worry, because your loan will not be denied if all requirements have been approved.

3. Buy when the price is still low
Some housing is set exorbitant housing prices because the infrastructure is complete. Construction of highways, for example, can make home prices rose 50 percent.

Therefore, if there are plans to build toll roads in the area of ​​housing you're looking for, please do not hesitate to buy the house before the price soared up. However, it is necessary to ensure also that you choose a secure area of ​​land acquisition matters.

4. Buy when the average interest rate is still quite normal
There are times when interest rates fall or even down the loan. Presumably, this is a sign for you to immediately invest in real estate. Quick, buy a home of your choice.

5. Make sure your funds are sufficient
Advances or sign so of course must be paid away. Have savings of at least 20 percent of house prices before you buy it, so ideally.

6. Allocate additional costs
Not enough to just think of the sign so and the money then, because you also have to prepare a budget, especially insurance funds, tax, and consulting fees, or administration. This amount should be budgeted as an additional payment each month, in addition to the amount you pay for the mortgage. Do not forget, have also fund home improvements and maintenance.

7. Jelly by offering home
Carefully assess the home to be purchased. Could be, home is sold at this time the status of home foreclosures. For that, find out the background of prospective home before you buy. Prepare a little money to hire experts who can assess and find out about the reputation of the house (legal status). It is absolutely necessary that you have plenty of inputs including the amount of money needed for home improvements.

8. Do not be easily tempted to short supply
You do have to be careful about this. Because, perhaps, the house does not yet have a certificate of property, land or land still Girik. Or, the land is still in dispute, so do not be surprised if a house like this offer a cheaper price, but the process will be long and convoluted.