4 important notes before deciding to buy a house

Clearly define the purpose of buying a house to save for the future

According to the survey, 38% of first-time homebuyers said they wished they had considered their options more carefully. Most admitted that this was because they did not fully understand or consider the environmental impact on their future lives.

This is quite understandable because when buying a house when single, attention will be focused on entertainment facilities such as gyms, swimming pools and some regulations that affect personal interests such as keeping pets... At this time, school facilities, medical facilities , and development space for children are still a "luxury". Besides circumstances, finance is also one of the factors that make single people feel that a 2-3 bedroom apartment seems "a bit redundant".

However, “getting married” is just a matter of time, which is why experts advise you to buy a house for the future. Even if you are “single”, it is not redundant to care about the amenities like families with young children. You will not want to think about having to rotate capital, find a new apartment to move to and settle down when the children in the house start to grow up.

Consider the importance of location carefully.

The location of your home is the most important factor you should consider when buying a home. Not only does it affect the price of the home, it will also determine whether your daily commute to work is convenient or not, or how your children will enjoy theireducation in the future.

Not to mention, the location of the house also speaks about the intelligence of the "neighbors", along with the security situation of the residents. Particularly for apartments, besides geography, add the concept of "prime high floors", the most beautiful are in the middle range, from the 7th or 8th floor and up, both ensuring aesthetics and bringing convenience to the homeowner.

Therefore, do not choose a house in a place too far from the center and the conveniences of life because of limited capital. It can be said that owning an apartment in a beautiful location, with full amenities for entertainment and development is not too difficult now, when the interest rates of bank home loan packages are at the "golden time".

Newly married couples, young singles who are planning to buy a house in Ho Chi Minh City or neighboring areas such as Binh Duong , Dong Nai... can refer to home loan packages such as the loan package of KasikornBank Public Limited Company (KBank) - Ho Chi Minh City Branch.

KBank's loan package is one of the loan packages with the most preferential interest rates on the market today with 6.25%/year fixed for 3 years, after the preferential period, the interest rate is calculated based on the floating interest rate based on the 12-month deposit interest rate of BIG 4 (stable at around 4.6% - 4.7%) + 5% fluctuation margin. With the advantage of low interest rates, the ability to use the pink book of the future house as collateral, plus quick disbursement procedures, people with little capital, salaried workers often do not have much fluctuation in income, still have the ability to turn the dream of owning real estate at the age of 3x into reality, creating the first milestone of achievement for themselves.

Young couples who have just got married, to soon fulfill their dream of “settling down and having a career”, can seize the opportunity with the form of co-loan. The financial pooling will help couples reduce the burden, getting closer to the door of their dream house with spacious living space, a good environment for children to develop long-term thanks to the policy of expanding the loan limit based on the original income and guaranteed repayment ability.

Details of Kbank's home loan incentive program at: https://kbankwbg.co/3WFZx8u

Focus on the “backbone” of the house

Everyone loves beauty, but aesthetics sometimes make people forget that the core of the house is important. Instead of just "satisfying the eyes", "first-time" home buyers need to pay attention to items that cannot or are difficult to get permission to modify in the house such as: size, ceiling height, electricity and water lines, distribution of kitchen, living room, bedroom, etc.

Carefully consider whether it is necessary to make adjustments to optimize the functionality of the house, helping the family have the most comfortable living environment is the most important thing. After all, "good wood is better than good paint", a smartly arranged kitchen, convenient to use with the homeowner's habits, in the long run is still better than a kitchen that is just beautiful.

Undeniably, preferential interest rates, good support policies from previous owners or attractive gifts when customers quickly close the purchase from brokers will make many people have the fear of missing out when buying a house. In fact, this fear is also the root of future regrets from price, location to property condition.

Consider carefully, try to eliminate pressure and opinions from outside, trust your choice and combine it with the actual situation to make the best choice.

Phuong Dung

Source: https://vietnamnet.vn/4-luu-y-quan-trong-truoc-khi-quyet-dinh-mua-nha-2312740.html