Making the decision to buy your family home, the one you want to raise your children in, is a big deal. If you are a first-time home buyer, you want to keep some things in mind as you travel down this path.
The first main consideration is space. Most first-time buyers are coming from a small setting -- an apartment, living with parents or another family member -- so everything seems huge and spacious. Whether you are on your own, married, or have a small child, you'll need to consider your future. Do you plan to settle down? Get married? Have a baby? Have a dog? Work from home? Have a place for your grandmother's majestic mahogany dining room set?
Sit down and make a list of all things in your life that require space. For example, you may know that you like to work out at home rather than in a gym. You may want a treadmill or exercise bike for yourself. If that's the case, you'll need somewhere to put it. Another example deals with your career. If you will work from home or after hours or build your own business on the side, you'll need room for a home office. Yet another example deals with family planning. If you have a small child or plan to have a few children at some point in your life, you'll need rooms for them and a place for them to play.
You may be worrying about the cost of buying a bigger home. You may feel that you can't afford the difference between a $200k home and a $250k home. If you calculate the difference in your mortgage payment, it's slightly over $200 extra per month for the more expensive home. Sit down with your budget sheet and go over your expenses. Chances are you can afford that extra chunk of change. If it means the difference between having three bedrooms or four, or perhaps an additional room or basement, it's worth thinking about.
Your best bet is to make the list of the space you'll need along with a budget plan and see how much you can push yourself to afford without getting into trouble. Of course, you should NEVER spend beyond your means, I'm not suggesting that. But if you can cut something out of your budget to cover the extra cost, the end result is a home you can grow into rather than one you outgrow.
The second consideration is location. An area that you think might be a great place to live, may not be what you are looking for in the long-term. Are you going to raise kids in this home? If so, you'll want to look for a neighborhood. A driveway to ride bikes in. A school system with a solid reputation. Are you going to have pets, specifically a dog? If so, you'll need yard ฝากขายอาคารพาณิชย์ space and the potential for a fence. You may want back door to the yard access so you can let the dog in and out on rainy days. You may want a garage so there is a place to wipe the dog down on rainy, muddy days before bringing him into the house. Are you going to commute to a workplace? If so, you'll want to look at highway access and other roads that will get you to-and-from your job in a suitable amount of time. You may want to consider the roads themselves -- will they be hazardous in inclement weather to the point where you won't be able to get to work?
On your list, underneath your requirements for space, list out the things that affect you in regards to location.
There are many other things you could think about when buying a home, but one of the number one mistakes I see people making is buying a home that fits what they need at that particular time. They are then frustrated only a few years later when they have to go through the selling/buying process again in order to find a home that fits their permanent lifestyle. Thinking about this in advance can save you a good deal of time and money in the long run.
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