You should have a clear budget, such as:
1. weekly cost for food.
2. weekly cost for car (petrol, insurance, maintenance, registration and etc)
3. insurance for the house
4. rate
5. phone and internet
6. power
7. weekly payment for the mortgage.
8. any other cost
Besides, you should have some safety margin, just incase something may happen or interest raise and etc.
Another thing is that you can talk to a broker, they can give you some idea. They usually come to talk to you for free (the bank will pay them if you borrow money through them). But I suggest you do not 100% trust them. After they give you a suggestion, don’t sign the document. Bring the document to different banks and ask the bank managers if they can beat this deal. Keep doing this until you find the best deal you can get, taking account not only interest rate, but also annual fee etc. All these work should be done before you make an offer to a house you want to buy.
Remember: you can not make an offer until you have seen and carefully evaluated and compared over 50 houses!!! |
发表于 4-11-2008 14:44:35
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楼主
发表于 4-11-2008 18:06:40
