Purchasing a home commonly involves visiting each real estate listing with an agent; current homeowners will open up their house for viewing and inspection. But, what if there was a better way to purchase a home, including some land, in the bargain? Enter the house and land package.
This form of home buying allows a buyer, or investor, to negotiate directly with the land developer regarding the construction of the home from the bottom up. In fact, the buyer can choose the exact location for the physical house on the property before it is even built. Typically, land developers will have a number of different home models, or examples, built in a localized area; the buyer can simply visit each model and choose the desired layout for his or her property.
Investors benefit from purchasing house and land packages. Depending on the country, the down payment for home construction and land acquisition is commonly a small amount. Investors should note that they will typically need to take out two loans: a land mortgage and a construction loan. However, monthly payments on the loans are usually small during home construction since most lenders simply charge the interest fee at that point. Once the home is completed, then the loans convert into basic payment structures.
Does this process seem more expensive and tedious than simply purchasing a pre-owned house? On the surface, it may be viewed as overwhelming, but the overall price to purchase and develop the ฝากขายอาคารพาณิชย์ land can be more inexpensive than an outright purchase of a preexisting home. Since the buyer purchases the land rights before the home is built, he or she can direct the layout as desired. Carpeting or hardwood? More electrical outlets in the main living area? All of these customized requests can be easily incorporated into the new home construction. Purchasing a preexisting home usually involves the addition of desired items; the buyer may need to hire a contractor to paint the interior and replace the old flooring. The addition cost of the contractor is not a factor in house and land packages.
Many investors prefer this property type since they can confer with their client about home features and incorporate them immediately into the construction. As a result, the investor can cater to almost any request of his or her client. Some investors may finance multiple house and land packages at different stages of construction; this practice allows the investor to have a steady income to cover the multiple loans until they are purchased by the clients.
Overall, the benefits of house and land packages outweigh the negative aspects of purchasing a preexisting home. A brand new home with customized interior and exterior features? Who isn't tempted by that property dream?
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