It may be time for you to think about whether you should choose between continuing to rent a property or to make the leap and purchase a home. This question arises for many young singles and couple as well as those that may have been renting for many years and may not have been able to afford to purchase a home of their own. With the house prices in many areas dropping to prices we have not seen คอนโดมือสอง ราคาถูก in a decade and with the interest rates lower than they have been in fifty years it may be time to re-visit the thought of buying a home.
You may be wondering what things you should consider when trying to choose between buying a home or continuing to rent somewhere. First of all you need to think about several things. Are you planning to stay living in the area for at least five years? Is your job stable and you are not in any threat of losing your income? It really does not matter whether you are single, married or have a family because home ownership can benefit people from any type of situation.
Talk to a few people like an accountant to see how home ownership can be beneficial in your taxes. Speak with a lender to see how much you qualify for and how much your payment might be on a home which should include taxes, interest and insurance as well as any homeowners association fees that may be included on a home owner.
You might be surprised to find out that buying a home might actually be saving you money every month from what you repaying for rent at the moment. The rental market has increases significantly because of all the short sales and foreclosures in the past few years.
Make a list of the pros and cons of home ownership versus renting a property. When you are renting a property you are paying the mortgage on that property for the owner and will not be getting one dime back when you decide to move. If you own a home you may be able to sell the home down the line and get money back that you can use to buy another home.
Along with home ownership comes other things to consider. Do you want to maintain the property yourself, inside and out? Are you prepared to pay for any repairs or remodeling the home might need? When you own a home, you are not as flexible about moving to a new location so be sure you are ready to stay in one place for a while.
If you are renting you are limited to what you can do to the property. You can not personalize it by making any permanent changes to the home to make it more your style. You also cannot write off any of the expenses or payments being made like you will be able to when you own a home.
Choosing between buying a home or renting might be easier than you thought. You may want to consider owning a town home first especially if you do not have children, this way you will have less to maintain, maybe just a small patio or little to no yard so the home itself is all you need to worry about. Do not be afraid to take the plunge, price and interest rates are so low that many young people are taking the big step a lot earlier than they ever thought that they would.
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