1. Find an ideal residence before loan prequalification. Remember to pre-qualify the loan before looking for a house, so as not to be disappointed because you can't buy an ideal residence. Know the real estate price and monthly payment you can actually afford-including all taxes and fees.
2. Postpone the purchase process to wait for a more favorable interest rate. Today's mortgage interest rate is at one point. If you really plan to buy a house, you can choose the opportunity to enter the market.
3. Lack of long-term thinking. When searching for new houses, it is easy for buyers to ignore some key information, such as the residential area where the house is located, its future development and its resale value. As a first-time home buyer, selling the house again in the short term is probably not the focus of consideration, but it should be considered. Insiders reminded that when buying the first property, it is necessary to ensure that it can be easily sold within five years in case the plan changes. Try to avoid buying super beautiful or weird houses unless you are well-off and can afford these extra charms.
Buyers also need to consider its long-term impact. If the residential area where the house is located is in the redevelopment stage, the house may appreciate. If you want to buy some old houses with room for appreciation, please remember that this investment is very risky.
4. Make emotional decisions. Although the suitability of a house depends on personal preferences and affordability, buyers need to separate emotions from decision-making before signing a purchase contract. Just because you like the architectural style of the house and ignore other factors may make buyers spend a lot of money in the future.
Take time to calculate carefully, list the advantages and disadvantages of each property, and make an objective and rational purchase decision. Remember, both developers and real estate agents will use various marketing strategies to sell their properties to potential buyers. Listen to different opinions, but you also need to do your homework to ensure that you are satisfied with the house you want to buy in the next few years.
5. Ignore hidden expenditures. In addition to monthly payment, buyers also need to consider housing maintenance, facilities and property tax.
If you buy an old house, it is likely that you will eventually need to spend money on maintenance and renovation. In addition, additional expenses such as house maintenance and property tax need to be considered. Real estate agents may not provide such information. Therefore, buyers need to search for information about such expenses themselves, or consider consulting local decoration experts or architects to evaluate possible renovation and housing improvement plans.
(The above answers were published on 20 15- 10-25. Please refer to the actual situation for the current purchase policy. )
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