The investment in a property is probably the most important in a person’s life. It is about allocating the savings of a lifetime to acquire an asset. Keep in mind that the bet is usually almost always positive since the properties are revalue over time before depreciating.
But what things should you consider before investing in real estate as a department according to Urbana Peru?
It is better to buy in plans or premiere. Here you have to take into account time and money. Is it urgent that the apartment be delivered to you immediately? The money has to do with the capacity of indebtedness that you have.
Remember that the sooner you buy the pre-sale department, the lower the price. The closer you are to the delivery date, the more expensive it will be. Therefore, it will be better to always buy your apartment when it is in the drawing phase.
In plans, one can decide on which floor or in which part of the layout you want to live, whether it is overlooking the street or more rooms. The prices in this phase can be up to 15% cheaper. In addition, the initial instalments can be paid in instalments in many cases.
The first thing you must do before deciding on a property is to research on the Internet both the districts where you are looking for a home and the prices you can access, as well as the proximity to parks, hospitals or shopping centres. Once this is defined, the ideal is to visit the projects to know in more detail what your next home would be like.
Amounts separation housing can range from lower to higher amounts depending on the destination of living district.
How much does it charge? Are you willing to negotiate?
This is an important question. With it you are not looking to lower costs, but rather you are interested in knowing what the promoter’s fees include. You should look for a good negotiator and a value for money.
Credits and fees:
It is advisable to find projects that are in partnership with financial entities. This is because the banks will be the first to audit the real estate companies as long as their investments are committed. In addition, it is the banks that will evaluate the mortgage loan.
To obtain the approval letter, you must consider requirements such as delivering the latest payment slips as well as those of your partner. You must consign the DNI of both. Finally, they must certify the continuity of work in their work centres. You can also take help from any experts like My Place Realty’s Kris Thorkelson and Maryanne Thorkelson whose main aim is to provide quality apartments that people can be proud to call home.
However, if there is no fixed income, amounts that constitute a “savings plan” can be deposited for several months. Thus, banks ensure that the commitment of the payment schedule will be met.
Do not neglect the monthly payments because the credit acquired is put at risk. Credit approval results can last up to 10 days or less.
The other aspect that you should consider is the interest rate of the loan that ranges between 9% and 12% depending on the amount and time of the loan. Thus, the larger the amount, the lower the rate and vice versa.