John has finally decided to take the big step and buy a home. The first thing he does is to search the internet for information about what he is looking at. He has a bucket list of things to learn about and with the help of his favorite search engine he soon found several articles and ebooks to read. It looks like he is off to a good start but once the home buying process starts, he found out that what he has read does not apply to the real world. What gives?
The thing about the internet is that just about anyone with a computer and an internet connection can publish anything. The bad thing about this is that a little knowledge is a dangerous thing. One might have his or her opinion about the home buying process with a shaky foundation but it sounds just about right. If that person's opinion is repeated by more and more people, it becomes some sort of a myth that could lead actual buyers astray. With that said, it is important that you spot these myths and know the truth behind them before you end up like John.
One myth is that the bigger the down payment, the better off the buyer would be. The thing about this is that it sounds right. If you pay a hefty down payment, you would be required to take out a smaller loan which translates to saving thousands of dollars in interest.
But there is a reason why small down payment plans are becoming more and more popular among keen-eyed buyers. For one, if the market is filled with low-priced properties, you can easily start owning a home ฝากขายบ้าน with a small down payment. If you wait until you have the necessary finances to cover 20 percent of the selling price, house prices could soar putting your dream home out of your reach once again.
Another common myth is that buying a home is an investment. With the price of real estate growing through the years, not taking into account inflation of course, this statement sounds right. But the thing is, if you get caught up in the investing part, your decision making could be impaired. Always think about buying a home as buying a shelter.
With that clear thought in mind, you would be able to find the perfect property that you would love to live in. This would also make it easier for you to find a buyer in case you want to sell the property later on.
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