PropertyGuru eNewsletter: Plan for new home buyers

PropertyGuru eNewsletter: Plan for new home buyers

People looking to buy their first home within the next year should have a plan in mind and it’s important to have a plan in place to ensure you’re on the right track for qualifying for a mortgage. While buyers cannot control variables such as interest rates, house prices and qualifying guidelines, they can educate themselves about factors that they can control, like credit score, down payment and housing needs and wants.

To come up with a one-year plan, a buyer will have to talk to a mortgage broker or lender who can help figure out the right type of home loan as well as how much can be borrowed based on the buyer’s financial situation.The mortgage pro can also help the buyer review his credit history and make changes that will place the buyer on a better position to acquire a home. Buyers should also have a target price range and they should also have an idea of where they want to live – whether they want to live in a spread-out place or near a certain transit line or school district.

Buyers should also work with the right agent.

If you’re working with an agent who’s going to push you into making a decision when you’re not ready, you’re probably not working with the right agent. Be happy you sat down with them a year ahead of time rather than three months ahead of time because you can cross them off your list. Having an agent who is familiar with the buyer’s targeted area will be of much help in finding homes that are not listed. Buyers who want to shop online can research homes, neighbourhoods and agents on real estate websites. However, a caveat is in order.

Early in the stages of looking for a home, online is a great place to start. You get a good general sense. Unfortunately, there is also a lot of bad information on real estate websites. There is possibly a lot of false hope there. Realize that not everything you see online is 100 percent accurate.

You can never fine-tune your search too early. Having a good idea of the type of neighbourhood you’re looking for and the qualities within that neighbourhood that are preferences versus must-haves is really important.

Source: Property Guru News Letrer


Takaful Concept

Takaful means ‘guaranteeing each other’ in Arabic, it is an Islamic system of mutual insurance built around the concept of ‘cooperation’. Cooperative contributions are made with the intention of helping other participants face with difficulties and eliminating the resemblance of Takaful to gambling and exploitation. Each participant contributes to a fund to cover expected claims, while also benefiting from a share of investment returns.


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