At the beginning of a new year, many people have as a goal to achieve the dream of own house; however, getting the initial fee is not always easy, reason enough to implement certain strategies that facilitate this first step.
For Mariana Fernández, sales manager at V&V Grupo Inmobiliario, the first step that future owners must take is to measure their level of monthly debt.
“The first recommendation for a family or person who wants to project the purchase of a property is to measure their level of monthly indebtedness, how much of their net family income can they allocate to a mortgage payment. Knowing what this amount is, you should start looking for an apartment according to your monetary capacity, and in parallel, collect the amount of the fee obtained as a result in a monthly account.“, Explain.
Through this practice, the specialist ensures that two benefits can be obtained: confirming that the initial fee can be obtained and, later, managing to collect the required amount of money.
In addition, this exercise can be carried out within a period of 10 to 15 months, taking into account allocating 50% of any extra income that may be had.
On the other hand, if a person is interested in acquiring an apartment at a more affordable price, the expert recommends buying in a growing district in order to guarantee that the purchase made is also a good investment. Some growing districts are: Jesús María, San Miguel, Surquillo, among others.
Some real estate agencies are offering the opportunity to pay the down payment at the pre-sale time (approximately 6 months). Likewise, other projects work with a trust that allows clients to decide with which bank they want to apply for the loan. In this way, the client is not obliged to disburse with the promoter bank or pay the cost of the Letter of Guarantee, according to the manager of V&V Grupo Inmobiliario.
