Are you ready to make that step to home ownership?
金钱是自有住房的重要组成部分, knowing how much you can afford is the first step to finding that perfect home to live in. It is generally recommended that your housing costs, 包括你的抵押贷款吗, 保险, 财产税和房产税, shouldn’t be more than 25% of your total take home pay.
It can be tempting to take on a bigger mortgage, thinking that in the future your income will rise, 但这可能会带来灾难, leaving you short of cash in the short-term and very vulnerable to economic changes. That kind of pressure can be extremely stressful, you want to enjoy your new life in your first home, so avoid over extending your finances right at the start.
There are a number of mortgage options available for first time buyers, and which one you choose can drastically change how much your home payments are. 例如, a conventional mortgage loan with at least 20% down payment avoids the need for private mortgage 保险 (PMI) thus reducing monthly payments, great if you can manage to save that 20% to put down. However, if you can’t manage that much of a down-payment, there are still options for you. 如果你至少投入10%, 你会省钱, below that and both monthly payments and PMI will rise considerably, 让你每月的开销更大.
It’s important to remember that a mortgage is a longer-term loan, so the interest you pay mounts up. The less you put as a down payment, the more interest you will pay over the course of the mortgage. 如果你能把贷款期限延长到15年, you will save a significant amount in interest, although you have to balance monthly costs, 向你的供应商询问一些报价. 考虑到你的首付, always remember that the closing costs and any help with moving you may need will eat into your savings too.
A pre-approved loan is not a guarantee of a loan offer, but it does help you know what you can and cannot afford. A pre-approved loan will take into account your income and assets and be a good guide of the mortgage you can afford. 一旦你有一封预先批准的信, your estate agent can work with those figures to find the perfect home in your budget.
Find someone used to dealing with first time buyers who will look after your interests rather than the seller’s. Don’t be afraid or reluctant to listen to advice, the right agent can save you thousands. Because sellers normally cover all the agent commissions, you essentially get free advice too!
买ing a home isn’t just buying a property, it’s the surroundings too. Make sure any neighborhood you are looking at is somewhere you are happy with. Think about schools, playgrounds or other amenities that matter to you. Would the neighbors be your age group, are there resident groups and so on. The right house in the wrong place will be the wrong home, so spend some time finding the perfect area as well as the perfect property.
Take action when you find the right home for you
One of the most common mistakes for first time buyers is losing out on the perfect home because someone else made an offer while they were thinking about things or making a lowball offer. If you find a place you love, grab it with both hands. 给出一个可靠的报价，而且要快.
You want to offer high enough that it respects the seller’s asking price, 但如果你需要的话，还有回旋的余地. Here is where your agent’s experience will be invaluable, 听从他们的指导, both with making an offer and responding to any counteroffer. It is here you can negotiate things that will help you as a first-time buyer, such as leaving the appliances in the property, or including some furnishings within the selling price. Remember, this offer is legally binding, so be precise with what you want to include.
Understand what happens when you are handed the keys
经过谈判和法律细节, 最终交易完成, and you are handed the keys to your new home. 定期偿还抵押贷款, 房产税, 保险s and HOA will be something you are prepared for by now, but owning a home brings with it more costs you need to be ready for. Maintenance, lawn care, landscaping, A/C servicing and so on all need to be budgeted for. Research providers and costs early on so you know how much these things add to your outgoings.
通过处理所有这些项目, your journey to home ownership will be a lot smoother, and because you are prepared at every stage, 也不那么吓人了, leaving you ready to go out there and find the right agent and the perfect home for you.