First of all, make sure you know how much you can afford to buy. How can you raise budget resources? Borrow from a bank or sell your savings? Banks also invest only up to 60 percent of the collateral valuation, the rest of the amount to be paid down.
That is, you have to invest the cash you have. At present, banks are also providing home loans at less than 10 percent interest rate. The new debtor will get relief. First of all, plan your budget.
1. Suitable place and design of the house
You have arranged the budget. Now we need a budget-friendly house in a place that suits us. You have to decide where to buy a house, what kind of house to buy.
The size of the house should also be determined based on the number of families. Family members to be added tomorrow should also be considered. Find out how many bedrooms, how many bathrooms, how many kitchens are needed. If you have a big family, you may need a big house, a small family can get a small house. If you have enough budget, you can build a big house.
2. Consultation with a competent and reliable broker
Once you have decided to buy a home, choose a good and reliable real estate agency for consultation. Real estate agents know the real estate market. You know where the ‘market trend’ is going. The agent keeps track of where the price is, where the settlement is located, where the facilities are, and where development is taking place.
You need to choose an experienced and professional agent. You must have trusted the agent to find you a home. Choose an agent who deals with your business in a transparent manner and who can understand your needs and give you the right advice. Some agents charge a fee at the beginning, some do not. Choose an agent who works professionally for a fee. Because good agents who work professionally take their fees.
If you choose a good agent, you are more likely to find a good home. You can buy the house you are looking for.
Now you can find agents working in the market from door to door without taking any fee. They may not be ‘professional’. They may even leave the house with a large margin to avoid meeting you tomorrow. You may not find the house you are looking for. You may regret it later. If you have a problem tomorrow while working with an ‘unprofessional’ agent, don’t take responsibility for it. They may be thinking of breaking into your house and paying you a commission anyway.
When we buy vegetables, we buy them upside down. Buying a home should be one of the momentous events of your life.
3. Necessary legal advice
Are there any legal hurdles related to the house you are about to buy? In consultation with a good lawyer, you should decide at the outset whether there is a legal impediment. Otherwise, problems may arise after buying a new home. The agent can also recommend a lawyer or you can consult a lawyer you know yourself.
4. What is your neighborhood like?
This is the most important aspect of buying a home. If you buy a house without understanding the neighbors, you may have to regret it tomorrow. If you like the house and have decided to buy it, it is better to visit the place in the morning, afternoon, and evening for a week and understand about the neighbors.
The neighborhood where you live should be good. You have to go and see for yourself the surrounding society and the activities that take place there. Important time is spent at home. The whole family has to stay. Make sure he can adjust to the neighborhood. Your home should be quiet.
5. Consultation with the engineer
You also chose the house and understood the neighbors. Now you have to ‘inspect’ the house engineer you have decided to buy. What is the structure of the house, what materials are used, where it is built, how strong it is, where it is made for sale, the four forts of the house must have been ‘cleared’.
6. Baina’s preparation and information
Make sure you know how many days you can pass before you apply. How you can mobilize resources depends on how much money you spend on the house. I have to write clearly on a piece of paper that I can pass home in such a short time. It is better to determine the time of Baina only after you are sure of everything. Use a good lawyer when making a statement.
The stronger the baina paper, the more it will avoid the scandal that may come tomorrow. There should be an agreement between the homeowner and the buyer on how much to keep. It is better to pay the money without any problem for both of them.
7. Information on the passing process
After you register, you have to pass the house in your name. You need to keep in touch with the broker or seller to make sure that there are still some problems. If there is any problem, it can be backed up. After making the statement, you have to start raising money till you pass.
English
Nepali