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APARTMENT PURCHASE PLAN

APARTMENT PURCHASE PLAN

Having your own home is everyone’s dream. House is the biggest investment that all people have in their life. All will be trying to become financially more secure and independent through buying a house. Since buying an apartment or villa involves a lot of finance, it requires a lot of research and hard work. Here we outline some of the important features that help in buying an apartment or villa in Kerala

So, before starting your  home hunt visit builders in Kottayam, here are some

 villa projects in pala and Kottayam may help you to find an ideal home.

Step 1: Budget plan:

A properly planned budget is the key to any investment plan in an apartment purchase. A proper budget has to be planned to know how much money will be left each month to meet your present  Household expenses. You should be aware that the property you are owning now will fulfil your current needs in the budget.  As a  buyer, understanding your family’s present and future major needs will help you make the right decision.

Step 2: Location                         :

Taking a decision about the location of your property is very crucial. First, do a major analysis of the location and locality of the villa or apartment. It is always better to choose a  place adjacent to the prime location of your city so that the price will be on your budget. Location will also have a large impact on the ROI value of your home. If you choose the location wisely your home may be your best investment.

Step 3: Rental rates in the area:

If you are a real estate investor and your target is the rental income of your properties then the location of your property plays a major role in rental income. Highly populated areas will get more demand in case of rental income.

Step 4: Good Resale Value:

Always focus on the resale value of the villa or apartment you are going to consider. A lot of people make mistakes when considering this factor in apartment purchase. They will be focusing mainly on the locality and the cost of the property. If you are choosing the wrong property then it will affect your ROI in future. The future sale price won’t appreciate according to the time.


Step 5: Loan eligibility:

If you are planning to buy a villa or apartment with a loan then loan eligibility is a crucial factor to consider. Home loan eligibility depends on the income, existing debts or loan amount and the age of the applicant. The maximum loan amount and the eligibility criteria differ from bank to bank. The interest rates will also change according to the RBI guidelines.

Step 6: Stamp Duty & Registration Fee:

Like sales tax and income tax collected by the government, there is a stamp duty implemented by the government. So before planning to buy a property in a location please check the stamp duty charge applicable in your location.

Step 7: Additional Costs:

Even if you are experienced in buying villas or apartments, you will want to get help from experienced professionals. Fees services charged by real estate agents, lenders or mortgage brokers, home inspectors, land surveyors, lawyers or notaries should be considered.  Maintenance charge and car parking charge are also to be calculated

Step 8: Property insurance:

Property insurance is very important to safeguard your future if certain damages occur to your property. The insurance is relatively low and provides coverage in case of problems with the property title, certain damages or any legal issue. There are many different home insurance policies available in the market according to different levels of protection.  When taking a crucial decision to protect your major part of assets, it is important to take good advice. 

Summary :Apartment purchase

Buying a Home is on everyone’s checklist, but choosing the right builder is an extremely critical step. The builder you opt for will be responsible for everything related to your home. There is too much competition among the builders on the market, but who are reliable of them all?. A lot of scams are happening nowadays one has to carefully choose one builder. Research a lot through various resources to find the best builder that will provide the best quality in terms of architecture, amenities and quality. The major part of the savings is used to purchase your dream home, so you have to compare, analyze and select a builder who is the best and who offers what suits your needs. An ideal builder will understand your needs and deliver the best option that falls within your budget. 

Take a final decision in apartment purchase if it meets all the above criteria and other factors like proximity to shops, supermarkets, schools, hospitals etc. If all of the above meet your expectations, then definitely buy as it will be an excellent investment.

 If you are looking for a villa or apartment within your budget, Ponmankal Homes is the right choice for you and offers the best amenities. The projects offered by Ponmankal Homes are located in developed areas which makes it the best real estate investment option. Buying your dream home involves much planning and research If you are looking for villas in Kottayam, then contact Ponmankal Homes.

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