I have been looking at the house for a long time, and it was a very necessary purchase. Then it was so good that it happened to be stuck at the ceiling of the real estate market. I can only say that it was just right!
But I didn’t buy the house randomly, although I made the reservation very quickly!
I bought this B&B. After looking at it for less than half an hour, I went to look at other places. Then when I got home, I immediately called the owner to sign a contract. The original owner even asked me if I really wanted to visit more often. ?
Buying a house is actually an opportunity. As long as you look at it more, you will know if this is what you want when you walk in.
After inspecting the points that should be paid attention to, you will have an idea of how much it will cost to decorate in the future. If it is within the budget, what else is there to consider?
Many people do not take into account the subsequent decoration fees when viewing a house, resulting in extremely high cost. After all, decoration fees cannot be applied for with a mortgage loan!
Then when viewing a house, be sure not to be picky and picky and demand 100% perfection before making a reservation. This will only make you more tired as you look; also don’t look around randomly, with a small and targeted amount. Look, it's more efficient than just spreading the beans everywhere.
Remember that both the homeowner and the real estate agent will usually package it up and make nice words in order to close the deal. Many of them only find out that it is not the case at all after visiting the site. It is just like meeting netizens, they have already met in person. And asked me where I was!
My suggestion is that if you have a score of 85 or above, you can just close your pockets and compare. If you have a score of 90 or above, it will certainly be better.
The key point is that if there is still a gap between your target price and your pocket depth, then you must make a good compromise on your perfect standards.
The one I found was because the interior was almost untouched and you could move in right away with your bags, so I saved the decoration fee to the extreme. Moreover, the land bank I later found appraised the value of my house and bought it from me. The prices are almost the same, so in this period when house prices have exceeded the ceiling, there is no premium at all. This can be said that my vision is quite accurate!
From signing the contract to getting the ownership certificate, the process took less than a month to complete. The main reason was that I kept chasing, and I also took the initiative to interact with the bank and say hello. I was skillful in seizing the time and talking in a homely manner. It was a good person. Ways to bring each other closer.
When friends see each other and they like each other, they will help you a little bit. In the future, some auction houses may tell you first that you earn commissions from referrals and transactions!
For example, they ask me if I want to help them open online banking, apply for a credit card, etc. For me, these are easy tasks that don’t cost much money, but they can achieve results. The key point is that these two items can also help them. I saved $500 each, and saved a total of $1,000 in loan application fees. It directly helped me lower my APR. It was a win-win situation.
The house I bought was not in an urban planning area, and it was almost 32 years old. In the end, I could still get a loan of 80%. Because I wanted to use it for business, I didn’t apply for Xinqingan, it was just a general loan, but I got But the current floor price interest rate is 2.185%.
The government currently announces a floating interest rate of 1.72%, plus the lowest bank rate of 0.465%.
All this seems very easy, but in fact it is not that simple. After all, I am not an employee of a top 100 company, so I can easily get good conditions.
I am just a blue-collar worker working for myself. Mainly because the company I opened last year happened to be converted from a trade name to a limited company. The original 405 report was converted into a 401 that requires more tax. Mainly because At that time, I wanted to do import and export trade. As for why I didn’t do it later, I believe those who criticized me will understand! I am also reluctant to do so!
Then, as a one-person company that had just been established for less than a year, it was stuck in the overlapping transition period between the two companies. I knew it would be very difficult to prove its financial resources.
If I had not changed companies, it would have been much easier to apply for a loan using the original business name of ten years! After all, the business pays the same tax every month, which is very fixed, so it can be easily used as proof of financial resources to apply for a loan.
During this period, I tried my best to provide proof from many places to convince the bank that I could repay the loan on time and possibly settle it in advance, so the funds were allocated quickly.
One of the things that impressed me the most was that the problem of fixed salary could not be solved at all. This was because I switched companies in order to save taxes and did not pay myself extra salary. Mainly because I did not expect that I would buy a house in Taiwan.
So I went to the National Health Insurance Company to provide proof of salary. Because I was the person in charge of the company, I had a certain high insurance amount for each level. Then I listed the records of the different credit card machines of the old and new companies, as well as my regular visits to different banks. This passbook, and some extra income.
The only difference is that I didn’t list the premiums for stocks and insurance. After all, I was learning while going through the process, otherwise I would definitely have listed them all.
I have listed all the details, branch offices and personal folders, and I have written more detailed notes to explain how the funds were transferred during the transition period between the old and new companies, as well as various before and after data to support it, so My loan came down so quickly.
I have always said that the nine major financial proofs are the most direct and effective reasons for applying for a loan. It is not that you want the bank to do something easy for you before you have squeezed out all the information. After all, they are still If you want to make money, I'm afraid that if you don't come up with the money, it will be troublesome to lend you follow-up money.
So! As long as you prepare proof of financial resources for at least half a year, I believe that no bank can give you a loan. The only reason why the loan is not good is because you are not ready! If you are really not prepared, it really won’t make a big difference where to ask.
# Buying a house # Experience talk # Real estate agent # Bank # Mortgage # Loan # Proof of financial resources # Housing market # Ceiling # Opportunity # Objects # Online banking # Credit card # Salary # Silver house auction # Blue collar # Class # Fault-finding # Labor health insurance # Stock # Insurance # Premium # Trade Name # Co., Ltd. # Notes # Folder # Import and Export # Trade # Interest Rate # Floating
By the way, when I was looking at houses a while ago, I found a few houses that were good and the prices were also good. I could transfer houses with high yields and even recommend them to my friends, so they all turned out well, so I guess I know a lot about them. Look at the property to see the price!
If one day I take the exam to become a real estate agent, no one should be too surprised! 🤣
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