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Planning prior to purchase

Concentrate on your long-term objective and at the same time you should set a feasible aim for the coming future. Evaluate what you can have right now and sacrifice the things which you can relinquish to become self-sufficient financially.

Sacrifice: Requirements and wants

So you have decided to own a house where your family will welcome you home after work. This feeling is really great and it would want you to own your own home even more. However, you may find that you will need to borrow more money than you have the tendency to repay. You will find yourself in a huge debt and losing all that you have worked hard for. Now here is where you would have to compromise. It is necessary for you to compromise your wants if you want to own a home. Ask yourself whether you must buy a particular house when you cane easily opt for a less expensive one. Is it necessary for you to live in the city and not the sub-urban area? Take your priorities in to account and any potential changes that may take place which can affect your decision (such as getting married or starting a family). It will assist you a lot in deciding what you really want and you would work hard to obtain it.

Lay down a budget

After settling on the kind of home that you intend to buy, it is time to decide on a budget regarding how much money you can actually and practically afford to spend. The sum that you can obtain from the bank will most possibly be limited to your assets, wages and current arrears. However, do not decide on the kind of property you want to buy depending on this. There are certain hidden costs which you will have to consider like tax, maintenance, repairs, reports, refurnishing, legal fees, searches, etc. No one knows for how many more years you will be in the same job. In case it will be your first home then it may not exactly be your idea of a perfect home but it will serve as a stepping stone to buy a better house. Ensure that after buying the house you have sufficient money to support your family. So the house you buy may not be perfect but at the least you can call it a home and you can live comfortably there. You will not have to fret about how you will pay for the home when you are comfortable with paying a reasonable amount right now.

Preferred location

Look around the neighbourhood of your property. Can you raise your children properly there? Some people give more priority to the location of the property rather than the property itself. There are also some who would prefer the structure of the property instead of the location. However, many people would want to have their home in a save neighbourhood having a sense of community. The location should have leisure facilities such as shopping malls, libraries and theatres. Properties in a goof neighbourhood will be costlier than the ones in oppressive region but it will be worth it. Also check out the environment of the location. If the environment isn’t good then the value of the property may decrease over the years. An appropriate home is one which not only gives you safety and convenience but it should also be cost-effective and have good value.



(+65) 91002985

Fax: (+65) 64021826 ( email me )

CEA Registration Number : R021232Z

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Mindy Yong
Tel: (+65) 91002985
Fax: (+65) 64021826
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