7 Tips for Buying a Used and New Home

7 Tips for Buying a Used and New Home

Owning your own home is a dream for most people. When you are married, the desire to own your own home is increasingly important. Land and house prices are increasingly soaring prices also do not dampen the desire to have their own home. Banks and other financial institutions also provide convenience by providing mortgage loan products to customers who want to buy a house with competitive interest payments. Here are some tips for buying a home that you need to refer to:

1. Consider buying a flat or apartmen

If you have a job in an urban area, it is a good idea to also consider flats or apartments. Many facilities around flats and apartments can provide you with various advantages. In addition, the price of a property both land and building in urban areas can be worth several times compared to property prices in suburban or rural areas

2. Looking for promotion info

Developers often give promotions to attract people to choose and buy the houses they offer, ranging from offers of low down payments, light installments, to offers of motorcycle gifts to free umrah packages. For example, if you are not interested in prizes or offers, you can negotiate with the developer the possibility of price decreases, if the prize is not taken.

3. Visit the property directly

Make a direct visit to the property whether it is land and buildings or flats or apartments that interest you. Pay close attention to the state of the building. For a home property, see if the surrounding environment looks healthy and not seedy, whether the walls have many cracked roofs that are old and start to leak

Also look at the location of the house, whether the house is in a skewer lane), whether the house is close to an electrical substation, electricity poles, sutet and tower If your family has just had a baby then see also the condition of the house if it looks haunted
Equally important is to pay attention to the building materials used, whether the materials that are in building quality homes and quality so that later you do not need to renovate the house if the building materials used are of good quality.

Also check the ventilation of the house and the state of the walls, if the walls are damp and moldy. If the house uses wallpaper, ask also whether the wallpaper material is waterproof so that later it is easy to clean it.

Perform checks on water and electricity and various household appliances. Make sure everything is functioning properly, if there is damage, ask for repairs first.

4. Check your financial condition

A list of all your financial conditions. Write down all the income you can get. Is buying a home your finances can still meet the costs of daily needs. If your finances are still good enough for credit, then start asking banks who can give you mortgage products
Such as financial savings you are sufficient for cash purchases and only a little less, then you can also consider borrowing money in the bank to cover the lack of funds by pledging a house certificate in the bank.

5. Check the prices of similar home property

You must check the prices of similar home properties with homes that interest you. Do not let you be given too high a price compared to the price of a similar market property with the house you want to buy.

6. Check the completeness and authenticity of the certificate

If you want to buy housing, flats or apartments you must carefully ask whether you will get a certificate of ownership (SHM), or maybe you only get a certificate of use rights to build or maybe just get a certificate of use rights. Of course, certificates that state absolute ownership without time restrictions are certificates of ownership. As for the usufruct and build rights certificates, they are only valid for a few years and you must extend or arrange to replace them as certificates of ownership.

If you prefer to buy an old house that already has a previous owner, then you are also required to check the authenticity of the certificate. Such as the house that you want to buy does not have a certificate, then ask for proof of ownership of what is owned by the owner so that later after you buy the house you can make your own land certificate (read: how to make land certificates, Procedures for Buying and Selling Uncertified Land).

Last but not least, ask if the house you want to buy already has a building permit (IMB). By having a building permit, you can get various benefits, such as a building you can use as a bank benefit, if you only get a certificate of use rights, then with an IMB you can upgrade your certificate status to a certificate of ownership.

7. Make an agreement on how to pay

If you intend to buy a house that already has a previous owner and the certificate does not exist yet because the certificate is probably guaranteed at the bank then you must know the Procedures for Buying and Selling Houses first and make an agreement on how you get the certificate, whether you will pay off later when the certificate can be submitted by the owner to you or what.
Make a written agreement that explains all kinds of conditions of sale and purchase. Make a deal anyway when you can occupy the house you bought. Do after paying off or with 50{ff641ff5a38952415d910bf9755d9449ea357631c69a877ddeff4649ef085b4d} payment you can occupy the house.