Find out under what conditions the loans from the credit program for purchasing a home can be accessed, what the costs involved, what income is needed per month and how much the monthly rate can reach.

Buying the condo for rent in Klang or condo for sale Pandan Indah is one of the most important steps for anyone, and as such it must be approached calmly, since thinking about the disbursement is a stressful situation for families but also a joy when thinking of building a new home from zero. Analyze the market, know possibilities and opportunities, be consistent, everything influences when acquiring a property, whether for your own use or as a future investment. These are the ten essential points to take into account before signing a mortgage and avoid possible conflicts that detract from such an exciting process.

Location

The center or the outskirts? Location is one of the most relevant factors. It is not limited only to the area, but to everything that revolves around it: road and public transport communications, existence of services – such as supermarkets, schools, health centers – nearby and other details will make the house more comfortable and, ultimately, a better investment. It is not necessary to move to the city center; in fact, trendy neighborhoods are increasingly removed from kilometer zero.

Price 

The current real estate market is diverse, but whatever the budget, you have to assess it calmly. In addition to being in line with the offer – if you discover a bargain that is too good, suspect – it is important to take into account the area in which it is located, the qualities, the need for reform, and at what level, the common services of the community. In short, all the factors revolve, both directly and indirectly, around the purchase.

According to your salary

Everyone dreams of their perfect home, but when it comes to adjusting to reality, things change. That doesn’t mean you can’t have it, of course, but in a consistent way. Experts recommend, among other things, that the monthly mortgage payment should not be more than 40% of the salary, always with a projection of personal earnings in the short and medium term. In fact, many banks require a tighter threshold, even below 30%.

Energy

In new or renovated homes, a great point of value is the installation of a system that minimizes energy demand, with efficient production possibilities as renewable sources. These guarantees, in addition to an investment in the future, an effective way to reduce the energy bill each month. Choosing a home with a label A in the energy efficiency categorization represents an estimated saving of 89% compared to an F rating, something positive for both the pocket and the environment.

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