The important thing when buying your dream property

Glossary of terms in hunting houses or apartments, is quite dizzying seekers new dwelling, for example, "The selling price of the final, approved mortgages or KPA, the bank rate" Buying property can be attributed for the purpose live alone, spot transit or to investments in the future, even many are used for both. And if this is the first time you enter the property market, the purchase process can look very intimidating. Though this is a new thing that is easy and fun.

Some simple tips can treat your confusion and turmoil in the process of buying a property. Take a look at some important points below to ensure that the experience of buying your first property is not confusing and frightening.

Budgeting

We think you've been very good at saving money. You already know how enough for a down payment, eg DP is on offer 10% -20% (promo) in a property developer, or the standard 30%, even 40% -50% for the purchase poperti to 2 dstnya. but there are some other things why you should have a little more money, namely preparations.

These savings will help you to cover unexpected expenses that will be incurred at a time when interest rates rise and the cost of your mortgage increases. As a guide when calculating your budget, do not commit more than 30% of your income to the cost of the house. Then, do not forget to check whether the total price you ask is included with taxes and other costs that will be incurred in the future, so you are not surprised when paying.

Be prepared for Survey and Research

Bring along a digital camera or mobile phone that has a high image quality camera to survey and make a note of the property when you visit your hunting property. Rate for each property that is seen with a scale of 1 to 10, taking into account the factor of location, access roads, facilities and budget. Most likely you'll see some properties in some weekends, and this is a simple way to show the properties which belong in the calculation.

After a survey and research, do not forget to check the legal status of the property, especially inquire about the status of land ownership (land certificate) certificate house or building permit to avoid fraud is rampant in Indonesia.

Loan Approval from BANK

Short way to know whether you as a strong candidate to get a property loan approval from the lending bank is BI Checking. Now all banks, both private and non private sector provide online facilities to facilitate candidates submitting credit for BI checking online. You can directly apply to the relevant bank (lender) if you are eligible and there is no problem in the examination BI checking, in addition you can consult online the ability to live a tenor installments if it has been approved, because it is also a major factor for the analysis of banks give credit approval. bank approval.

Pay more for expert opinion.

If the tight financial situation, you'd be tempted to forget this stage. You've been spending a lot of money to buy the property dream, why should you spend money again if it is not necessary? But, for the future, pay services of lawyers or notaries to check the validity of the legality of a property, especially the "home" can save time and money, as well as save you from a fraudulent certificate double.

Compare the benefits of the property with each other (comparison)

Do not immediately decided to take the first property you see. First review the selection of what is on offer, for example, advantages, facilities provided, or strategic position. How to pay interest and not burden you. Also offers discounts and direct gifts or other things that are provided. Access roads in and out, which correlated with the efficiency of time and effort if it will be used as a residential property or invested. For example instances Apartment Elpis Residence - apartment mountain elpis Sahari, official website: www.apartemenelpisresidence.com that you can make a quality selection options.
Comparison property must also be apple to apple, can not compare property lower-class property upper middle class, because the prices are not going to lie and always adjusts the quality, so do not be easily fooled by a seller of property that offer cheap prices with quality exorbitant without investigating first, once again because the price will never lie and always directly proportional to the quality of products.

Good Luck.