Saturday, March 19, 2016

9 Essential Pointers for Home Buyers

Hi Korang,

Aku nak share sket tips bagi mereka yang nak beli rumah kan.

Yelah rumah kan sekarang ni mahal-mahal belaka, so ni aku nak citerlah cara-cara menyimpan untuk rumah impian korang ek

By the way, article dalam english ek..

Nak bagi korang paham lagi details lah sebenarnya

Buying a home means you’re tying your financial resources down for a given period of time. Given the amount of money involved, being prudent about your financial choices is a must. With so many money pitfalls you could fall into, it’s best to know what you can do to steer clear of them. 

Start with These Tips

1. Know your financial capability, says Free Malaysia Today. Before you go shopping for a home in Penang, Kuala Lumpur or Selangor, determining your financial capabilities should come first. That way, you’ll know just how much you can afford. 

2. Get out of debt. Financial capacity is an important factor in buying a home. So if you’re still in debt, the smarter choice is to put off your decision to purchase a property, at least until you’re well and truly financially ready. The same logic applies if you’re still paying for a car. Before you tack on new bills onto your existing pile of expenses, clear the most out of our monthly payments first. Get rid of your debts. Free up most, if not all, of your financial obligations. That’s the only time you that you’re ready to take on the financial challenge of paying for a home. 

3. Be familiar with market conditions. Knowing what market trends are, what the latest investments are saying, can help you pick the right properties to go for. For instance, you might want a single, unit bungalow while other people can only be happy in a 2- or 3-storey home. Different strokes for different people apply but read up on market news to know which housing unit is more popular for buyers. If you’ve got an eye for resale value, then it’s equally important to study market conditions. If such insights elude you, ask for a professional opinion from someone you trust. That way, you can easily make a decision on which property to invest in. 

4. Read through the fine print. There are plenty of clauses and content that in stiff, legal speak, can bore you to tears. Don’t let that stop you from reading and understanding every word, chapter and verse. You wouldn’t want to sign on for something that could potentially bankrupt you or put you deep in financial trouble. So make sure you know what you’re signing up for. 

5. Don’t be an emotional buyer, says HGTV. Some home buyers make the mistake of falling in love with a home as soon as they see, buying it up no matter the cost. That’s not a smart idea. You’re already going to spend a lot on that home. And you’re going to be tied up for payments for years on the mortgage alone. The least you can do is pick a home that’s not going to put you debt territory for a dozen years. Always shop with a clear head, not your heart. 

6. Get professional tools. With property finders like Property Guru, a bungalow home is easy to find. With photos onsite, culling out prospective homes is far simpler and far easier to accomplish. 

7. Go for a tour. Some home buyers, thinking only to get ahead to the finish line, cut corners when they can such as skipping the home inspection process. But this one is crucial. You need an expert’s eye to tell you if something is wrong with the house. You won’t have the necessary skill and expertise to spot the tells. You can also ask a real estate agent to come with you so you have someone to see the property with fresh eyes, telling you if something is wrong and you’re missing it simply because you want the house, no matter how impractical it is. 

8. Don’t rush. Do your research first, about the market and then, the property. Don’t be in a rush to get to the finish line simply in a bid to put an end to all the stress and worry. By investigating the home further, you might end up discovering a lot of reasons why you wouldn’t want to buy it in the first place. And what about your financing? Research can help you find the most affordable way to finance your home without breaking the bank. Take your time. You’ll make better decisions that way. 

9. Consider location, always. The Malay Mail Online says it’s important to find a property that’s centrally located. If your home is located a few hours away from where you work, you’re going to end up dealing with a lot of commuting woes and stress. So between buying a home that’s miles off and one that’s located a short distance away from your office, go with the second option. 

In Conclusion

It doesn’t hurt to keep these tips front and center when you start shopping around. Think of them as a handy guideline to keep you from making the worst financial decision of your life when you buy a home. 

So apmacam?

Agak-agak korang boleh ikut tak..

Nak seribu daya tak nak seribu dalih kan...

photos: credit to

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