Case in point:
Young husband and wife, joint income = 6 million, years of less than 1 year, no returns, no card and small families wanting a healthy home in a decent settlement.
Try before you learn some of these tips:
1. Calculate your financial ability, how:
a) Calculate the power of your credit (ability to repay).
Simply put it will be purchased through housing loan, either a new house from developer or second home. Instalment is typically 1 / 3 salary, although there are some banks could reach 40 and even 50%.
Examples of the count with 14% interest and term of 15 years then we can borrow:
IDR. 100 million dollars, payments IDR. 1.3 million / month, revenue of IDR. 4 million.

IDR. 150 million, installment IDR. 1.9 million / month, revenue of IDR. 6 million

IDR. 200 million, installment IDR. 2.6 million / month, revenue of IDR. 8 million
calculate the position of credits powermu exist where
b) Calculate your buying power (ability to buy a house).
Banks generally only will fund about 80% of the price of the house, then we must look for 20% of the rest. Take the case above where we USD buying power. 150 million. Rp. 150 million is 80% of it, so that the maximum home price that we can get is in the range of Rp. 187.5 million. Or by DP Rp. 37.5 million.
To note, buying power = DP + administration. In the case above, the first paymentnya is Rp. 37.5 million + 10 million (5% of house prices are usually for administrative purposes). So the total funds to be prepared is USD. 47.5 million.
2. After determining the financial position, then we find a suitable house for us. There are several options including:
a) New house, new home of the developers of this calculation easier, the numbers were clear, but the problem is very limited choice. Idle time to wait for this house is quite old, some big housing even install a grace period of up to 2 year's. It was not guarantee we have neighbors.
b) The second house, second house is actually a very attractive option. In addition to a closer location. buy a second house means buying public and the environment that is so. And this house could be occupied immediately.
Tips and Advice:
1. Duration good installment is less than 15 years, more than that would incriminate the creditor.
2. Second home is always more profitable than new homes. Second house alone divided into 3 categories:
-Age <10 years
-Age 10-20 years
-Age> 20 years
This simple division based with the use of materials and design of the house. Houses in the first category is actually the best option. Besides its lower price, the building was still in good condition.
3. The location is a significant component, with a limited budget. Better to choose a smaller house but it is clear security and facilities infrastructure.

If you want to buy homes, both new and resale homes, there are several things that must be considered. This is important, especially for those who have a family. The location near the office and close to the school children is a dream for almost all families.

Unfortunately, the financial condition is not always balanced with the desire, so that there is one that usually have you sacrificed. Usually a house near the school children a top priority.
Not only close to the school children, there are some things you should consider before you decide to buy a house that fits you and your family. Some factors to consider before buying a home include:
1. Location of house which I purchased must have proper road access and easily accessible in all conditions.

Do not be easily influenced by the sweet promises from people who want to sell a house or ad developers who say that such housing can be reached just 5 minutes from work or school children.
2. Make sure sold a home environment has a pleasant atmosphere and neighbors because that's where you will later spend a lot of time.
Try the nearest neighbors greet you while you stay in touch to get sympathy from them. After all, later a neighbor was the first person who will be asked for assistance if there is something going on when you're at home, right?
3. Also, make sure you choose a housing complex has the facilities and amenities, such as public transport access, easily accessible, wide roads, electricity, enough clean water, 24 hour security, cleaning, market, school, mini market, health clinics, sport facilities, entertainment center, a playground which can be reached easily.
4. Make sure the house is sold is not located in flood-prone areas.
5. Note the condition and quality of house building in detail.
If necessary, make a list to check the condition of roofs, walls, sills, windows, bathrooms, drainage, and vent.
6. And the most important thing is to check the validity of his letters such as: Certificate of Ownership of house / land, Building Permit (IMB), the last land and building tax, and free from strife.

If the steps you have already done, undoubtedly purchased home will provide comfort for you and your family.

If you want to buy an old house, it's good to read some tips that can be found below: 

1. Try to buy a house from the owner himself. How to buy a second home it is best to directly from the owner himself / without an intermediary, because there you can obtain detailed information about the house which I bought. In addition to direct purchase, the price will be cheaper because the sellers do not need to give commission to the broker / intermediary. 

2. Choose a broker / intermediary the right. If you are forced to buy a house through a service broker / intermediary, then select the broker that you know / can you believe. Another alternative is to ask for references from your property broker / your relations. If not, you should use a well-known brokerage services porperty who already have good credibility, which will be very helpful when buying and selling document processing, even the time of filing the mortgage if you plan on buying a house in installments to the bank. 

3. Ask the age of house building. Simply put you can classify the age of house building that is: new (less than 10 years), medium (10 to 20 years) and old (more than 20 years). If you've done renovations, ask when the last time renovation. Surely this is not a standard benchmark, because it would be highly influenced by the quality of building materials, structure type and quality of workmanship that is used in the house. Clearly, the older the age of the building then his performance declined, and then you have to prepare budgeted funds to renovate the house. 

4. Check the physical condition of the house. Check in detail the physical condition of the house on each of its parts, if necessary, create a check list for easy inspection. It would be better if you ask the contractor to assess the current condition of the house. Some things you should consider include:
- The condition of the structure of the house, check there may be cracks in the foundation, walls, columns and beams
- Inspect the walls, perhaps there are spots ex-ffects of groundwater seepage
- Check the quality of the floor, what was good or had experienced a fall of the cracked floor
- Check there are perhaps traces of termite attack on the sills, windows, doors, ceilings and roofs.
- Ensure that the roof structure is still in good condition, take a look maybe there is beam / gording a porous, or serious leaks in gutters
- Do not forget to also check the condition of PLN electricity network at home, still good or is untidy
- Is the water quality is still decent, and also check what the water network is still in good condition
- Feel the condition of the rooms, whether fresh, moist or even feel hot? 

5. Check around the home environment. Get information about environmental conditions around the home, especially if the house you want to live with family. Do not let you disappointed because it turns out the location of the house is difficult to access, prone to security, away from educational facilities or even was often swamped! 

6. Check completeness of documents home. Check authenticity certificate home, certificate of Building Permits, Building and Land Tax proof then do a cross check on all documents. If it turns out the name on there is not the same as the name of the seller's house, ask your relationship status. If he has not done the Behind the Name, ask for a valid Deed of Sale and Purchase of the house. For the status of the estate house, ask how many legitimate heir. This point is very important to you, in order to avoid unwanted legal problems in the future. 

7. Check prices. Find out as much information as possible about the market price of land and houses in the vicinity of the location of the house, so you can make an offer within a reasonable price range. Especially if you plan to buy the house and then sell it again.

Well, hopefully some of the above tips can be useful for you. Congratulations to buy a house!. 







source: www.birobangunan.com