By Francesco Tippo
Published: January 26, 2012
Buying an apartment. What stops you?
Indecision
Currently you have reached that state of mind of the family and their own status, when there is a desire to purchase a new home - your own apartment or a house below the city.
You understand that the purchase of something new - it's always a process and not necessarily rush, often with dubious elements. However, in any case, "shopping" (in any sense) of the word is fun.
But to buy an apartment, it's not really what to buy, such as a fur coat.
This process is long, you want to view and weigh a lot of options that are buying new homes will seriously affect your financial responsibility and stability. Of course, there is now a very large housing market, and choose from what is. But it must decide - buy houses "turnkey" or requiring repair. As he and the other option would appear in the future state of your "purse". All these thoughts do not give you peace of mind, and thus interfere with a decision. And you keep on searching for the version that suits you perfectly. And somewhere in the subconscious, you understand that the only obstacle that prevents you make your decision and stay in a pleasing form, is money.
It would not have to overpay
Of course, to purchase a house, you need to contact the experts - real estate realtor. Often, they offer top class accommodation. Such housing can not not like it, but think about it tomorrow ... and if your financial situation changes, though even today suggests this is not possible. But the situation may be different. If, however, you are 100% confident in a stable financial position for tomorrow, and have received "good" bank, which will enter into a credit agreement, do not rush to buy housing in the price range is not appropriate for your family today and material status. Listen to your inner voice - his second "I". If there is doubt as to the inner of your desire - listen to it, because before that you were guided only by external emotions.
Now it's time to approach the issue home buying a more balanced and refer to the real estate agent with a request to provide other options for real estate, at a lower price.
According to statistics, based on practice, of the total of your budget, 25% of income should be focused on housing - this repair work, investments, emergency and unforeseen situations. This percentage is usually 6% lower than lend you the lenders. This amount is sufficient and allows you wonder how in the future it will be possible to use the money.
Priorities
Many young families are on the path of change of housing conditions with an eye to the fact that in the future, and perhaps - in the very near future, they will be additions to the family. You also go this route? Then we must still weigh the time and place correctly, these two important attitudes. With the advent of the baby in the house increases the financial burden, which may not allow you time to pay on the loan.
No doubt, want to see a new man to your family had a new apartment. But you can not always have everything at once. We must make a choice - what is most important to you? But if you are already associated with bank-creditor agreement, then the implementation of other ideas is not a lot of financial resources. But you're ready for it!
Your marriage
Probably the only strong and confident families, build their future according to plan. Have you asked the question - what is your family? Can you predict your family's relationship to the next five years (the period of your contract with the bank)? If "Yes", then you're going the right way!
And if you have an unstable situation in the family? Then no external changes do not change them. And do not "build castles in the air" with an eye to the fact that housing ratio will be different, warmer. It is not necessary to purchase a joint housing as long as you do not make a decision about your marital status - and give freedom to each other.
The future - what is it?
Confident people will never and in no doubt. However, the fear, rightly or wrongly, is common to all, without exception. But as ungrounded fears lacked a real picture, then there is no need to worry. But there are situations indeed troubling you:
1. if you can not pay the fees;
2. if properly manage money;
3. If house prices fall after the purchase.
These fears are amenable to settlement, and are manageable. If you are reasonably intelligent person, and skillfully manage your cash flow - all in order. But if you're not sure the stems of the forces, here and there comes a time to ask for help from man, management style which makes you admire. Then, make informed management you will not be alone and be able to discuss and adjust your actions.
As for the third issue - reducing the cost of housing, this process is, of course, inevitable. But it can be corrected by improving the quality of service, performance of scheduled and unscheduled maintenance of construction works. Fluctuations in property prices does not occur immediately and do not involve drastic changes. The situation in the real estate market is developing slowly and slowly. But in any case, as stipulated above, the constant maintaining their homes in good condition, you will ensure its future.
Of course, you buy an apartment every day, as other items of value and necessity of which you even do not care. And as you can see from this article, a stumbling block in taking for himself the important question is not always objective factors such as money. There are also subjective factors.
Moving forward to the goal ensured not only thinking about money matters. Although it is possible that had not yet arrived, as they say, the right time and right place. Maybe we should slow down development for some time, balanced approach to the issue of prioritization.
Feel the confidence, and slowly and surely, like a man well versed in the issue of real estate, go to the realization of his dream.
Overcome your fears that keep you on a wave of uncertainty. Learn how to cut costs or abandon your ideas of acquisition purchases that are today or even tomorrow you did not need. Do not succumb to the influence of friends and acquaintances, lobbying or provoke you to a life that does not meet your current status and thereby alienate you from living embodiment of your dreams. Cultivators in the issue of money management. All in your hands. It was only after overcoming all the obstacles encountered - you may very soon come an exciting moment in life that you have never experienced in my life. Setting the course for the purchase of affordable, according to your needs, as a family, affordable, housing - you will very soon become the proud owner of the house of your dreams.
And no external factors will not spoil your joy from you have made a step.
« Back
