What do I need to pay for my house? How much money?
What do I need to pay for my house? In addition, the house down payment and the Czech home with 12 costs should know. Before thinking about buying a home. To know how much money should be enough.
Who has the dream to buy a home after his own. I'm looking forward to collecting money. But to save money to buy a home. It is not easy to pant a bag at home. Knowing that buying a new home is often accompanied by many other expenses, which are believed to be something. Many people never know if they are paying, so if you are planning to buy a home. Let's see what else is needed. I have planned to collect money properly.
1. Contract Booking Fee
It is the first cost to place a home deposit. In order to reserve the right to buy this house. The amount is more or less depending on the home price. The agreement between the buyer and the owner of the project. Most of them start from 5 thousand to the main one is there.
2. Evaluation
After booking the house already. If we buy a home from a bank loan. There will be a cost to evaluate the house. Even some banks will free this fee. However, some borrowers are liable for all expenses. Normally, the valuation will be about 3,000-5,000 baht per time, depending on the amount of the loan, whether it is through the loan or not. I also have to evaluate. And if you apply for more loans, many banks will have to pay more assessments as well.
3. Mortgage
It is a fee that the landlord must lose to the Land Department at the rate of 1% of the total amount we borrow, for example, if we request a home loan of 4 million, it will have to pay a mortgage of 40 thousand baht. Has a stamp duty of 0.50% of the purchase price - as well.
4. The transfer fee
Of course, when we buy a home. The house will be transferred from the project within the deadline. The transfer fee will be paid to the Land Department at the rate of 2% of the appraised value. Most of the time, the difference between the buyer and the seller is 1% of the assessed price. However, before the contract should agree on the cost of this is good, who will pay no problem later. And we will be prepared to keep up. This cost is not a little at all.
5.
If we buy a house in the allocation project. The seller can collect the legal fees in advance. Some may be charged in advance for about 1 year, which should be checked with the project before the contract home. This is a cost that we have to pay. To bring this money to the CCTV CCTV. And to oversee the allocation of public space in the project.
6. Insurance
Many people may think that home insurance is not necessary. If this money does not make us very difficult. To insure it will help us relieve the problem of home more. There are many types of home insurance available. Whether it is a fire insurance. The safety of the home in case of short circuit, fire, which is required by law. 0.1% of house price.
There are other insurance policies that are not enforced, such as floods, earthquakes, and mortgage or mortgage insurance. In case the borrower died before the debt payment. The insurance company will reimburse the bank. It is not a burden on the family.
7. Water Meter
When the transfer is completed. The first thing that is absolutely absent is water and electricity. In the water meter - meter meter. It will cost as well. It depends on the size of our installation, so it should be paid for it as well as the money is the same as the same.
8. Charge
Moving into a new home. There is no one to take care of your belongings, so you should reserve your money to hire a car. Include the labor of the man with it. Someone may have a car for themselves. You can help each other to help each other each hand. But the money for this part before it is better.
9. home furnishings statement
I have to make a large purchase home. Furniture to decorate a new home is a little money, because some projects have come to the house. What furniture do you have? This cost depends on the needs and tastes of each person. If you want to save. It is advisable to plan to buy just the things you need first. Then buy more with the property.
10. Statements of electrical appliances
When furniture is finished choose furniture. Another thing that is indispensable is the home appliances. Whether it is air conditioning, TV, refrigerator, water heater. Washing machine, etc. If you have to buy a whole new, then it is a big money, so I should manage to save money for the purchase of electrical appliances as well.
11.
For those who buy a home to want to have a beautiful garden to shade and rest. I have to keep the money for the garden as well. I need to buy many equipment. Not just flowers Or trees to plant. It also includes a variety of woodworking tools, which is how high the garden budget. It depends on the garden we designed it. Or if you try to negotiate with the project from time to time. Does he have a garden? I have saved a little more.
12. Cleaning Fee
We have a home that we bought. May not be as clean as expected. Because some houses were left for a long time. The cost of hiring people to clean, paint and repair some equipment before it is not care or old. Will be ready to go. No need to solve the problem later.
I know this before I decide to buy a home. Do not forget to check the cost of what is good. How much money to reserve? I have not had enough money. Turns out the headache.
