Is it time for you to buy your own home? Owning a home sure has some awesome irreplaceable perks: You're the king of your own mansion. You can do what you want, when you want to. Re-design your kitchen or construct a new bedroom, the only person you'll need to check with is yourself. No annoying landlord threatening you or asking you for rent payments. Buying a คอนโด house is a way out of that troublesome life. Things are simpler, easier and uncomplicated.
However, before you rush to your real-estate agent, you need to consider a few things. When buying a house, rushing is the last thing you want to do. Even though running a house is more hassle-free, the initial steps of buying one are crucial. Everyone wants the perfect affordable house but there are certain boundaries that limit you. These boundaries are actually a good thing as they present you with a checklist which will aid you in buying the best and most affordable house.
Boundary #1: Can you really afford it?
The bliss of living in your very own home can turn into a dark nightmare if you don't work out such details. Missing a rent can still be forgivable but you can't be late with mortgages. Every month you'll have to pay a sizable amount of mortgage from your own pocket. Deciding a budget will ensure you don't commit to anything you can't handle. Even though, everyone will have different budgets, there is one rule you would do well to follow: Make sure the mortgage payment is 30 to 45 percent of your monthly income. Be realistic when setting a budget as you have other expenses that won't go away either. Also, this helps you narrow down your search by showing you a realistic set of possibilities of affordable houses you can purchase.
Boundary #2: Availability of houses
There may be a lot of houses on the market but only few will fit your image of your dream house. You need to have a clear picture of what you want before going on a house hunt. There will be a few features you need to be careful of: Be skeptical of the construction of the house. Make sure the real-estate agent informs you of all the pros and cons so you can make the right decision. Most features will depend on you. Some people may love a traditional house, others may not. To avoid any headaches or time wastage, write down a few basic features you want and share them with your real estate agent.
Boundary #3 Location
So, you have shortlisted a set of affordable houses. How to make the final decision of buying a house? Take a long hard look at the location. This factor may be overlooked by many enthusiastic buyers but, this is a major factor that will determine your happiness in your new home. You need to make sure the house is located near your necessities. Driving to work to your home located an hour away might not be the ideal situation for most people. Take into account everything from where you work to where you hang out, and you're good to go.
However, remember that buying a house is a big commitment unlike renting. It would be expensive to move once you buy so pick wisely before signing the papers to your new home.
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