Many people say it's not easy to look for the home of styles and fits like a girlfriend (mate). When paired, would be easy to get it running and vice versa. On the other hand, not all people can afford to buy a new home from a developer, but make no mistake, a second home can be a great option and worth to be occupied. Here are some tips for buying a second home:
- Try to buy a house from the owner himself. How to buy a second home is best straight from the owner himself / without an intermediary, because there you can obtain detailed information about the house that will be purchased. In addition to direct purchase, the price will be cheaper because the seller does not have to pay commissions to the broker / intermediary.
- Choose a broker / intermediary appropriate. If you are forced to buy homes through the services of a broker / intermediary, then select the broker that you know / can you trust. Another alternative is to ask for references from the property broker you / your relations. If not, you should use a well-known broker property already have good credibility, which will be very helpful when buying and selling document processing, even when filing a mortgage if you plan to buy a house in installments to the bank.
- Ask the age of the building. Simply put you can classify the age of the house are: new (less than 10 years), medium (10 s / d 20 years) and older (over 20 years). If you've ever done a renovation, ask when the last time to do renovations. Surely this is not a standard benchmark, because it would be greatly influenced by the quality of building materials, the type of structure and the quality of workmanship that is used in the house. What is clear, the older building then his performance declined, and then you have to be prepared to budget funds to renovate the house.
- Check the neighborhood. Get information about the environmental conditions around your home, especially if the house you want to live with family. Do not you disappointed that the house is difficult to access locations, prone to security, away from the educational facility or even apparently often flooded!
- Check the completeness of the document. Check the authenticity of the certificate (SHM), a certificate of Building Permit (IMB), evidence of Earth Building Tax (PBB) and then do a cross check on all documents. If it turns out the name on there is not the same as the name of the seller, check the status of the relationship. If he has not done the Behind the Name, have a valid Deed of Sale and Purchase of the house. For the status of the estate house, ask how much of his legal heirs. This point is important for you, in order to avoid unwanted legal problems later on.
- Check rates. Seek as much information as possible about the market price of land and houses in the vicinity of the house, so you can make an offer within a reasonable price range. Especially if you are planning to buy the house and then sell it again.
- Find as much info from both home buying and selling websites, newspapers, exhibition houses, until the circling area of the house or apartment to see the situation Sodara residential neighborhood.
- Make sure you visit the house in the direction, to determine the condition of the house, is there a cracked walls, leaky roofs or rainwater seepage in the walls.
- Try idly wondered if the neighbors, history of the house. Who knows what happened with the house dispute or worse marks the killing (hiiii. .. scary)
- If you are interested in proposing a mortgage payment, make sure the house is located in a strategic position (in 2 cars pass by, no cemetery, no floods, etc.).
- Try nego with the owner directly, in order to ease the cooperation in getting mortgages. For example, house prices 100 million, but because it is located in a strategic location, you can apply to a bank of 150 million, so if the bank appraisal about 125 million, you'll get an additional $ 25 million in fresh funds, which you can use for a fee expenses incurred.
- Between the seller and the buyer must agree, if the tax arising from the sale and purchase transactions in their respective responsibilities. Sales tax of 5% of NJOP home buyer tax while cheaper, because they are calculated after deducting 5% reduction in area x. Examples jakarta area (NJOP-30 million x 5%).
- Prepare documents required by the bank (KTP husband and wife, Marriage Certificate, Bank statements last 3 months, etc.)
- Choose a bank that provides competitive interest. Note: The bank usually gives good rate at 1 in the first year, the rest floating. Also make sure the wife the husband's income (if joint income) for 3 x its installment. For example, the price of 350 million homes, Cicil for 15 years, about 3.5 million monthly installments, meaning minimum husband + wife's income of 15 million when in combination. You also need to prepare money for bank fees and notary fees. The cost depends on the bank and notary NJOP home.
- If you have another installment in any bank, the bank will be considered to assess your ability to repay the home later.
- Banks will also ensure, whether our name into the BI checking or not, when in the BI checking, a little hard to process approval
- Bank processes take up to 2 weeks (including the appraisal).
- Appraisal home based NJOP and physical checks. Suppose NJOP his small house, tp good condition and terraced buildings, could increase the value of the appraisal.
Check the physical condition of the home. Check out the details of the physical condition of the house at each of its parts, if necessary, create a check list for easy inspection. It would be better if you ask the contractor to assess the current condition of the house. Some things you should consider include:
- The structure of the house, there may examine cracks in the foundation, walls, columns and beams
- Examine walls, there may be spots ex-ffects groundwater seepage
- Check the quality of the floor, what is good or have decreased / cracked floor
- Check that there may be traces of termite attack on the sills, windows, doors, ceilings and roofs.
- Ensure that the roof structure is still in good condition, there may behold the beams / gording a loss, or serious leaks in gutters
- Do not forget to also check the condition of electricity in the home network, either still or already untidy
- Is the water quality is still decent, and also check what the water network is still in good condition
- Feel the condition of the rooms, whether fresh, moist or even feel hot?
Lastly, do not forget to pray and ask God the same, so you will be paired with muluskan house and in the process in getting the house. You can also ask for help Sodara, parent or friend's friends to help pray that you get the house
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