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Investing money in the real estate projects is always rewarding. Most of the people dream of buying their own housing property and tend to lose sleep over it. There are a lot of checks you need to run on the property you are buying and its dealers. As such, it becomes an extremely cautious matter to proceed with.
Here are some of the terms, knowing in detail about which will help you in getting a better deal in owning your own flat or apartment.
Although making the down payment is a big obstacle between you and your first home, equally important is to access the fact whether you are financially ready to pay the EMIs every month. You may secure the loan amount for down payment, but if you are already shady about EMIs, it is probably time to rethink your decision.
Home loans by banks are a great rescue for people nowadays who wish to purchase apartments and flats in Mumbai or other expensive locations. Now getting your loan approved and paying the down payments is no longer a horrible dilemma for the middle-class people. These banks also require you to pay the monthly instalments only after you have the possession of the property.
Most of us may not be aware, but the real estate companies always calculate the pricing of the flat based on the super area. However, the carpet area or simply, the actual area of the apartment is just 80 percent of the super area. This is due to the walls’ thickness, staircases and other areas present. Therefore, it becomes necessary to clear the facts and differences between you and the property dealers.
Another important aspect that you certainly need to know better is the permits and clearances granted to the builder from whom you are purchasing the property. When buying a flat, it always pays to be cautious. Make sure the building has got all the NOCs and title papers from the society. These certificates identify the seller telling whether the owner has the authority to sell the property and if it is in agreement with the conditions laid down by the society.
Buying property from someone who already owns it is known as a resale property. Most of the flat buyers make the mistake of not considering resale value when they purchase the resale property. You must know the record of all the previous buyers or owners for the hassle free processing of the loan application.
Moreover, buying flats and apartments that have a good and worthy resale value will ensure that your future sales are always higher than the rest of the neighbourhood homes.
Buying a property or a flat is not a one-day affair. Remember, Rome was not built in a day. But with thorough research and awareness, you are sure to gain a perfect deal for your dream house. After all, securing a perfect home is the investment for a lifetime.
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