Jakie mieszkanie wybrać w inwestycji 5 Dzielnica w Krakowie (przy Wrocławskiej). Na co zwrócić uwagę przy wyborze lokalu.
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Buy the house you know that you can afford
This can be different from the price that your mortgage company believes that you can afford. When my husband and I bought our first house, we were approved for a mortgage of about three times more than we ultimately ended up spending. Fresh out of law school and working for established firms, our finances looked good on paper. But we dialled back our expectations because we weren't convinced that our income and expenses would remain at those levels. We were right: two years later, we started our own business just as the economy turned south.
The less expensive house meant that we could still make our payments even with less income in the pocket. So what's the best ratio to use? Some lenders suggest that you can afford mortgage payments totalling about 1/3 of your gross income but others suggest closer to 28% for housing related costs including mortgage, insurance and taxes. There are a number of factors including your projected income, interest rates, type of mortgage and the market.
Look beyond paint.
It's often the case that your dream house has that one room that you're already fantasising about changing. Willmes says to remember that it's fairly inexpensive to fix cosmetic issues (a bit of paint or some wallpaper) but making changes to kitchens and baths can be expensive. She says, "People tend to focus on the cost of cabinets, appliances and counters but sometimes forget about the cost of labour which can double to triple the cost."
Remember that a house purchase involves a contract.
When you're buying a house, there are papers to sign. And more papers to sign. Many of those papers - which are actually contracts - look like "standard" home buying contracts with no room for negotiation. That isn't true. Contracts are meant to be negotiated. You don't have to sign a standard agreement. If you want more time to review your inspection, wish to waive a radon test or want to make a purchase subject to a mortgage approval, you can make that part of the deal.
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