Are you tired of paying the rental fee now and want to take steps to become an owner? But don’t you know where to start in this process?
For those who want to buy their first home, it is hard to know where to start from.
The road to your homestay can be long and tiring, but you can facilitate this process by moving in a plan.
Here are 5 important steps that make the process easier for those who want to buy a home …
CONTROL YOUR BANK ACCOUNT
If you want to buy a home, you should first look at how much money you have accumulated. In Turkey, the rate of credit utilization in housing has been increased to 80 percent in the past few months. So when you buy a house you have to pay 20 percent. For this reason, you should calculate how much money you have in advance.
TIP # 2
LEARN YOUR CREDIT SCORE
When banks give you credit, they evaluate your loan and credit card debt in the previous periods according to your credit rating determined as the result of the edits you made. A credit note is a reference to how you will pay your debt in a sense. The higher your credit score, the more likely you are to get a mortgage. However, if you can not pay your loans or credit cards debts regularly in the previous periods or you have not paid them at all, the banks will not be willing to give you credit. For this reason, learn your credit score before you dream of being a host. You can learn your credit rating from any bank.
TIP # 3
SELECT HOUSING BANK OF YOUR HOUSE LOAN
You should pay attention to the delinquencies and facilities that your bank will offer as interest rates. Because the housing loan is a long-term loan type. When choosing a bank; You have to pay attention to a number of criteria from the amount of the loan to be paid, to the payment demand, to the interest. You should think of the bank as a consultant who guides you best in this period and you should determine your choice accordingly.
TIP # 4
DETERMINE YOUR HOUSING CRITERIA
You've calculated your deposit, you've looked at your credit note, you've learned your eligibility for housing credit, and now the funniest part of the business is starting; Find a suitable budget house! Where are you looking for a house with first hand or second hand, few square meters or what criteria? The home location you want to buy, the distance to the transportation vehicles, or the proximity to social areas are important criteria.
TIP # 5
FIND A PROFESSIONAL REAL ESTATE CONSULTANT
This last step brings you closer to your dream home. You should negotiate with a professional real estate agent to see more home alternatives at a faster pace. The real estate consultant who is in charge of your business will find the most suitable house for your budget and anticipation in a short time.