With so many people giving you advise about what mortgage is best, what area to buy in, what represents value for money and what you require out of a property, it is hard to know where to start and what the actual process is to buying a home in the first place.
The first place to start is always in establishing the ground criteria for what you want, not what others have advised you. This would include ฝากขายทาวน์เฮ้าส์ agreeing on how many bedrooms you will need, what is important to you in a property such as a garden or number of reception rooms and possibly what sort of style of property you like such as modern or period.
From here you will need to cast your eye over the ideal location. This would include looking into proximity of where you work, whether you need to be near to certain schools for your children or whether you want to be close to friends and family. You'll also have ideas of where you would like to live for the style of living you are seeking such as country or urban. You will then want to take into account local crime rates, whether the area has the shops and local amenities that you require and if other required aspects are close by such as train stations or nurseries.
Once you have decided on this you will need to decide on a budget. This will include looking at what you can afford right now as an upfront deposit and to cover legal fees and other associated moving costs combined with what you can afford to pay in the long term as a comfortable mortgage repayment.
Now that you have these identified you will have a firm idea of budget and requirements and you can now approach an estate agent and give them your list of preferred criteria and budget to see what you really can afford. At the same time you can approach banks and lenders to get approval on your mortgage and know that you have the power to proceed with a purchase if and when you find the ideal property for you.
In an ideal world you will then find your perfect property and go ahead with the sale. However, this is not always the case. From here you may find that your budget does not stretch far enough to get you the area and attributes that you had your heart set on, it is now where you will have to readdress everything to see where you can compromise or if you can afford to stretch the budget slightly in order to achieve your original desired criteria.
Once you have finally managed to get the right mix of budget and criteria you will eventually find the property that suits you. It is then a case of putting in an official offer. This is the agreed amount that you will pay the seller to purchase the property. If the seller accepts then the estate agent will then take you through the legal process until completion whereby the property will transfer into your name and you will be the proud owner of your first property.
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