Finding a good apartment near the city center is not easy, especially for first time homebuyers. To do this, you need to keep the 3 steps below.
Step 1: Determine Budget – Financial Possibilities
Assessing your financial ability to buy an apartment is an important step for most people who want to buy a home. Clear budgets help you minimize your incapacity. You need to determine how much money you have and choose which apartment to suit. Do not buy a house “hands do not catch the enemy”. Only 50-60% of the value of the apartment should be borrowed.
In addition to your own income, you can also raise more money from your family, or get a loan from a bank. Currently, many apartment projects support bank loan services with low interest rates, making it easier for customers to buy a home. However, you need to determine the principal and interest payable monthly to prepare the appropriate financing, avoid the “back” to repay debt.
For the convenience of calculating your home financing options without too much pressure, you can use the home loan interest calculator available on the Rever.
Financial health exam, an in-depth financial analysis to determine if you can really afford to buy a home near the center or not. Ask yourself:
- How much does your income, your savings and the value of your property?
- Should you sell your existing property to buy a home?
- What is the list of debts and expenses?
- What is my future income and expenses? Consider changing life situations such as giving birth, or spending money after buying a home.
You should also consider objective factors such as:
- Current interest rates, forecasts of interest rate fluctuations and economic environment in the future.
- Real estate prices in the market, trends and forecasts of price fluctuations in the area you are looking to buy a home.
Seek help from real estate sales and investment professionals. The specialists you need for advice include:
- Financial Advisor
- Mortgage brokerage agent
- Real estate agent
Step 2: Find, explore the price and choose the right apartment
If you have identified the basic needs of yourself and your family, how can you shape your dream apartment and determine the budget you can afford to buy and renovate your home? right at the stage looking for real estate.
You can find project information using traditional methods. Probe information, prices from announcements, brochures, classified ads in newspapers or interviews from real estate brokers.
A more common and effective method is to search online. Select prestigious website, information is diverse, detailed and updated continuously to choose the right apartment.
Currently, many real estate projects are linked to the central area within 5 minutes by car. You can refer to the list of luxury apartments moving to District 1 for 5 minutes.
In order to choose the right apartment for the right amount of money, you need to balance the area of use and utility of the apartment. If the premature baby is not included, the one-bedroom apartment still satisfies the couple’s life. Priority should be given to high liquidity projects, such as Vinhomes Central Park (Near Metro Line 1), Masteri Milennium District 4, Q2 THAO DIEN project. if you have a later need.
In addition, the utility of the project is also worth attention. Especially for families with small children. Choose projects with complete utility system including school, hospital …
Step 3: Contact the apartment unit distribution
A real estate project is often distributed by many units. Find a great distributor and prestige will give you the most accurate and up-to-date information from the owner. You should also consider finding a real estate broker who understands the real estate market, helping you find a good apartment for a good price.
Also, buy a condominium at the time the investor opens the first sale because of good sales policy, soft price and extremely flexible payment. Currently on the market are open for sale projects that Rever apartment is quite good, you can refer as: Charmington Iris project in District 4, Q2 Thao DIEN project, One Verandah project and Waterina project Suites in District 2. These are projects that have a favorable location to the city center.
Some points to note when buying an apartment near the center
Should choose the project from the big investors in the market such as Vingroup, Khang Dien, Thao Dien Investment, Dat Xanh, Keppel Land, CapitaLand, Mapletree, Maeda … because these units often invest Large land bank, low construction density, much emphasis on local utility. You can see more list of the most prestigious real estate investors 2018.
Should buy apartments from the floor 7-15 because the low is easily affected by noise and dust. At too high travel inconvenience, miss incident such as fire, … difficult to escape the body.
Choose a project with basement to keep the car wide, avoid having to leave the car outdoors.
Do not choose large, crowded buildings because the playground will be less, children walking or playing will be dangerous because many vehicles. Either the owner renting several storeys to make the supermarket will be less parking car, playground, …
Choose an apartment away from the garbage area, away from the elevator. Should choose the corner, the more open as possible.
Avoid closed apartments, no windows overlooking the light and air, this is not good for health and feng shui accommodation.
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