Buying a house is probably the largest purchase you will make in your life. It is also a lengthy process and takes anything up to two months, sometimes longer. From the mortgage through to the completion of the sale, there is a set process for buying a property.
Securing Your Mortgage
How you will pay for your house is important. Not many of you will be lucky enough to buy a house outright. Therefore, you will need to borrow. The loan, which is secured on the property is called a mortgage and this market is vast. You will have to work out how much you can afford and then approach lenders. This may be your regular bank or a mortgage broker who will search the market for you. Once, you have taken all of this into consideration, you will have a mortgage agreed in principle.
Choosing A Home
Here is where you will require the services of an estate agent. Local papers will have a property section whereby you can scour properties on the market and you make an appointment to view a few homes in the area you would like to live. Once you have found a property you like, you then make an offer. The estate agent will negotiate on your behalf with the vendor, an agreed price. The agent will inform you if the offer has been accepted.
Instructing A Solicitor
Find a solicitor who ฝากขายที่ดิน specialises in property purchasing. The solicitor will handle all the legal aspects of the house buying process for a fee.
Survey and Valuation
It is a requirement by law for a property to be surveyed. This is to check the property is worth the valuation and the money which will be secured against it. The survey will show up any major structural problems which if not completed, could end up costing you thousands later down the line.
Complete the Mortgage Process
Your mortgage will now be agreed in full and you will have to arrange life insurance cover in the event of your death. All of this will be handled by your mortgage provider.
Exchanging Contracts
Once the sale is agreed and your mortgage in place, you will pay your deposit and exchange contracts with the vendor. At this stage, the sale is now legally binding and if you withdraw from the sale after the contracts have been exchanged you could end up losing your deposit and being sued for a breach of the contract. Once all the contracts have been signed, the sellers will transfer the title deeds to the buyer. All the legal side is almost completed and the final searches on the property are done.
Arrange Your Move
The process is almost completed. Here you will arrange for the movement of your goods from your home to your new home. This is usually on the day the money is transferred through to the vendor. Once this is done, the estate agent will hand over the keys and your new home now legally belongs to you.
ไม่มีความคิดเห็น:
แสดงความคิดเห็น