As property prices steadily increase, deposits get bigger and associated fees and charges sky-rocket it can be hard to ever see yourself in a position to buy your first property.
There are of course a number of special offers and assistance such as the shared-ownership scheme to help out but ฝากขายที่ดิน sometimes it's still just not enough.
Sometimes it does get to the stage where the only real lifeline is to approach family for some financial help. More often than not this will be parents but sometimes may be brothers or sisters or possibly a slightly wealthier Uncle or Aunt, or sometimes even a combination of all of the above.
The first rule here is not to put any judgement or pressure on those that you are asking. Remember, you are asking for a favour, not putting a guilt trip on people. You're likely to be in the house that you purchase for quite some time so you don't want a black cloud associated with it and an uneasy agreement with the person who helped you out.
Most of the times the agreement will be to get help with a deposit. It is unwise to ask family for regular payments towards your monthly mortgage as peoples situations change and if you have based affordability on the additional monthly payments from a family member then this could be a risky strategy. It is also putting an unfair long-term pressure on the family member helping you. It is always wise to address getting financial help strictly as deposit money only. The higher your deposit, the lower your monthly payments will become anyway.
You firstly need to address what you can afford and then approach your chosen family member for the remaining amount. You need to show that the option of not helping you is totally open and you will totally understand. You want the family member to feel that they are genuinely helping you out of choice and feel good about it, not feel bullied into it and then resent it for many years to come.
You also need to decide in advance what form of help this will be. Will it be a loan that you will pay back or are you expecting a free gift. If you are taking the money as a loan to help you now then you need to establish strict guidelines on how and when you expect to pay this back and be realistic with yourself. Although you will no doubt be excited to simply get in your new property, if it is done on terms where you will struggle to pay back your family as you promised then it could become more a curse than a blessing.
Sometimes where money is tighter within the family or you simply just don't feel right asking for handouts you may wish to take a different approach and actually offer that family member a stake in the property. This will mean that if and when you come to sell the property then that family member would get their money back and any profit made from an increase in price. You may wish to build in the option of slowly paying that money back so that you could 100% own the property in the future.
Finally, it doesn't always come down to a simple cash hand-out. There are options to have a guarantor on a mortgage. So, maybe you can easily afford the mortgage but are struggling to be granted one for the money you need simply because of your age, credit history or previous circumstances. Having a guarantor will often eliminate these problems and means that you can approach a family member to simply sign as your guarantor rather than pay for things out of their own pocket.
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