“The ache for home lives in all of us. The safe place where we can go as we are and not be questioned”, are the words of Maya Angelou, an American poet. Home is not just a place for many of us. Rather it is an emotion. An emotion which keeps our soul relieved from all stress and strain of the outer world. From childhood, we have that dream of a house and many inherent felicitous plans. E, en you may have drawn pictures of it with your colourful crayons in those days.
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So you have been started dreaming long ago but have you started planning to convert imaginations to reality? With globalization and its sibling urbanization, buying a plot and building your house from dust to life has become an expensive tradition nowadays. So the easy choice is buying a flat or apartment.
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A flat or apartment is similar to house in some aspect but may differ in the real concept. A house is a whole construction with in a property in which you are completely responsible for the maintenance and safety of your possession. On the contrary a flat or apartment is usually a single entity owned by a third party which is open for renting/Buying. So when you have accumulated enough money you can move towards the acquisition of desired property. You can gather information about your concerning project from many sources like real estate broker, internet, print medias and so on. But real adroitness is in analyzing those data and finding the reliable party. But never believe everything you read in news paper and internet, because their pivotal intention is to hook you to those advertisements at any cost. So try to read between the lines. The same must be kept in mind when dealing with the loquacious brokers. If you are to make an offer with the appropriate party there are other things to know before proceeding. Those are;
- What you have in your pocket?
Well, it is all about how much money you have. In the process of converting dream to reality money plays the vital role. Never take a leap in the dark without drafting your budget plan. Foresee other expenditure to avoid starving with an empty purse for buying an apartment.
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- Prefer your location
Consider choosing location of your flat/ apartment seriously as this may ease your working life and life after work. A flat in the heart of the city is the most adorable location but with astonishing price. So make a balanced approach and wisely select the location which provides easy access to all main points like your office, hospital and school. If you prefer a placid place away from city then at least hope for a connecting road in front of your property.
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- Face value is not the exact value!
Every property for rent or sale is tagged with an attractive price. This face value itself acts as an advertisement tool which can dazzle you. But there will be additional demand of money on the preference of location, luxury, space and number of rooms with unavoidable and unmentioned taxes. And if your opted building is under construction, there will be sure hike in the announced price in future. Make sure you have made written agreement with your contractor to avoid large fluctuation in price and service offered.
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- Don’t forget the extra charges
Even after your initial payment, there will be additional charges which a broker won’t remind you. Because those are customary payments like electricity bill, maintenance fee, security fee, plumbing charges and other expenses depending on your contractor’s terms and conditions.
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- Find back up for your invested money.
Even with your best budget plan there will deficiency in funding amount. Since there are legal restrictions on investing bulk amount at a stretch, loans will provide a legal check as well as back up for easing your money crisis. But loans may haunt you if you forgot to repay.
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- Always do your research
Don’t urge to any decision without doing a thorough study on your desired property. Compare other offers if available which may save your money and expectations. Do study your neighbours because it’s difficult to endure with an annoying group next door. Beyond this, know your builder’s history to ensure the quality of your apartment and related services
- Know the difference between ‘need’ and ‘want’
Don’t spend too much money on all your unlimited wish list. Priority must be given to your basic needs. Make sure there is enough space in your apartment and infrastructure is not farcical. - Legality means stability
Ensure your contract and transactions are legal to avoid future consequences. Things like approval of building by local authority, ownership etc., are paramount concerns.
- Familiarize the technical terms
If it is your first dealing in real estate then make sure you have the required vocabulary. Terms like appreciation, carpet area, caveat etc may often confuse you in your dealings if you are not getting used to them.
Since you are to spend a good amount of money for buying an apartment/flat, literally it becomes the most valuable decision of your life. So make sure each coin spend rewards your dream about home. Then you can die with memories rather than dreams.
