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Almost everyone at a point in their lives will consider getting a home of their own, it has been this way and it’s not going to change in a thousand years to come, so you are not alone. Thousands of persons will also buy their first houses over the years.
But the truth is, as much as it is exciting, it can also be overwhelming. Involving lots of brainstorming, preparation and what have you. You may even be stuck in plans, not knowing what to begin with. Well, in this article, we put together a few tips we’re sure will help you as you embark on your first home buying.
1. Be prepared.
Some people think they should get a home because they already have a family, and a car and other luxury, and so be default a house should come next. Others want to get a home because society suggests so.. As much as these may be good reasons, they aren’t reason enough. There are factors you should consider, are you ready to remain in a certain part of the world for a long while? What if your job doesn’t allow it? Are you ready to shoulder house maintenance responsibilities? What about the stress that comes with the process? What we’re saying in essence is that you decide if that’s what you really want. If you’re certain of this, then why not?
2. Financial certainty.
The fact that you’ve been a good tenant over the years, never had issues paying rent to your landlord doesn’t automatically mean you can take up a house building project. Don’t assume you’ll save money. Get a savings plan, get a budget. We have had Clients were looking out for cheap land for sale in ibeju lekki without doing their due diligence to ascertain their financial capabilities and readiness to purchase a property.
Make sure you’re free from debt from to a reasonable extent. Trust me, it’s better to be ready than to abruptly get stranded half way. Another thing to remember is that until your house is completed, you will remain a tenant until it’s time to move in. So this implies that rent fee will not cease. Bottom line is, don’t assume you’re ready.
3. Have a plan
So you’re certainly going for a house of your own, finance settled, you’re ready. What’s next?
You need a plan. A plan that guides your decision making.
What kind of house do you intend to own?
What kind of land will be best for it? In what part of the country?
What can you afford to pay for a house?
Don’t rely on assumptions. Get your facts right, consider yourself, family, money, lifestyle, and personify and go to the drawing board. With this you’ll know how to start and where to begin from.
We could call it House hunting. Get varieties, several options, do critical evaluation. You’ll need time dedication and patience to do this. You could begin your research online, you could embark on a tour, but be sure to make up your mind after careful considerations. When you find homes you like, send them to your real estate agent for professional opinion and advice. Be careful not to make rash decisions.consider the neighbourhood, landmarks, availability of amenities. Scope of the land, road conditions and other things your real estate agent will point out. You could also pay visits to the proposed site at different times to have a feel of what it’s like there. Research properly carried out brings courage and confidence to proceed to the next phase.
When you’re certain about what you want, found it and it doesn’t seem to be above you, then comes time for negotiation. At this point, it’s advisable that you find out on sales of similar properties of recent so you can have an idea of what to expect. Be sure you’re not under pressure to make agreements. Going with your agent is recommended because it’s your first house deal and it may be difficult knowing what to offer. Your agent will ensure that your offer is worth the value of the house, and within your budget.
6. Closing deal.
This is the final step before the house becomes officially yours. Generally it involves signing of few documents, payment of money, and few others that follow after your offer gets accepted. But remember until all this is done, you’re not the land owner yet, so don’t get too relaxed. Remain professional. Make sure all documents are original and valid. Don’t leave anything to chance. Your real estate agent will guide you here, requesting for closing deal formalities. Have a closing checklist, have a session of home inspection to be sure things are as they were in the beginning. Take your time and relate your unpleasant findings to your real estate agent’s attention as soon as possible.