5 Things to consider before investing home

Although quite safe, investing in property is not without risk. There are a few things to note that your investment is secure and optimal profit.


Value or price of a plot of land and the speed of price increase is not the same in different places. Land in the city is not the same as in the village. Land in the city center, though in a “gang bumper”, is not the same as the land in the suburbs.

Land in an industrial area are also not the same as the area of ​​housing, and so forth. land prices rose fastest course is in the central business districts as much demand so it is relatively easy to be traded or illiquid. Because it is more expensive.


Do not buy the land still unclear status or pledged to another party (eg a bank). Or the land is still in dispute in a court case because of some cases and others. Instead, the land was not purchased at risk because the risk of conflict in the future is huge.

Land documents

Make sure that the land purchased complete documents. Such as land certificate, Permit building, if there is a copy of the building have the blueprints of the building (blue print). Examine the data on land documents with the physical reality (land area, location, period of validity, etc.).

Assumptions return on investment

Good property investment is yag can provide income to you, either in the form of fixed income (from rents) and the potential price increase (the difference between buying and selling price). Calculate the number of return assumption of investment returns you can get from rising land prices in the area.


Return on investment will be reduced because of the costs, for example the cost of purchasing land, the annual United Nations, renovation or maintenance, electricity, telephone, cleaning, and more. Keep you could squeeze costs as low as possible as mentioned above.

How so you can have a house within a year

Year had changed again. Do you plan to own a home in the past year has been realized? Buying a home is one of the biggest steps in life, hence the importance of planning detail in it so as not to regret later on.

And if your dream to have a home yet to materialize in the past year, the beginning of the year as it is now is the time for a new plan. And to help realize your dreams, then consider the strategy to buy a house within a year.

Early Years – Start Saving for a Down Payment (DP) House

Admittedly, save money with discipline is hard to do. Expenses such as car repairs, health, or buy a new gadget has always been a thing that makes you so hard to save.

However, if you have a target next year to have a home then it is time you save with discipline. As you already know how much should be collected for a fee DP homes, ranging set aside income each month.

Third Month – Check Credit Status

When about to ask the Home Ownership Loan, the Bank will check how the quality of credit you currently have. Fix when there are debts for which payment is not smooth. Remember, a healthy credit card bills maximum of no more than 70% by number of the card limit.

Sixth Month – Start checking residential neighborhood

It’s time to start visiting homes that had already been the target you. And because the house will be a lifetime investment so make sure that you do not miscast.

Check whether residential location close to public facilities such as schools and hospitals. Calculate also the distance of ‘candidates’ work location in your home.

If possible, you can also figure out your target home surroundings. Eg neighbors who live in the housing, is mainly inhabited by a young family or not, and so forth.

Ninth month – Do Research Banks / Financial Institutions

If you’ve chosen housing which would be the target, it’s time to do some research for filing Housing Credit. Especially if you will take a mortgage with such a long period of 15-20 years.

Some people choose to take a slightly higher mortgage but have a fixed rate, and some people choose a floating rate. Also check what documents are needed to apply for it.

The tenth month and next – Start Contacting Developer

You have defined housing which would be an option and has also done research on the bank will provide housing loans. Next you must contact the developer to get information about the home you seek for this.

Also check that your savings are sufficient to pay DP. Buying a home with good planning will certainly make this process go well too.

Tricks to Get Home with Best Prices On Exhibition

Exhibits properties for developers – and of course also the bank – an event in which they had the opportunity to market their various products. By contrast, in the eyes of consumers, this is the event to get a hunting dream property.

All that is offered is lucrative, can make even dark eyes. Yes, you must carefully choose than to be sorry later. Therefore, you should prepare yourself before hunting properties in the exhibition.

And according to Ike, the following are their points.

1. Know your own character

Ask questions of yourself. Are you ready to live in a remote location? If the answer is yes then you can choose the housing that is usually located in the suburbs.

Or maybe you are ready to live cheek by jowl in the city center so that your mobility is easier to work? If so, the apartment is suitable for you

2. Understand your capability

Consider your financial capabilities so you can quickly determine the price range of the property you wish to buy.

At least you can enlarge the limit if combining your income with a spouse. Only 1/3 of the amount is the maximum value that will be the mortgage.

If you already know your abilities then you stay focused developer who has come to the prices in that range.

3. The purpose of your life ahead

Think of five to 10 years into the future. How would you give education to your children, how health facilities such as hospitals would be a reference care of your family.

All that you need to think because it will relate to the selection of the location of your property.

If the three points you have to understand the next steps will facilitate the hunt for your dream property.

So the next step of your stay to art exhibitions, take advantage promo offer and of course also carefully read its terms and conditions. Remember, do not easily lured. Especially developers and banks that are new or lesser-known reputation. For this do not be lazy to find out. Note also who the people behind the new developer. If indeed his reputation reliable, no need to hesitate.

How to prepare an advance to repay a home

Is your resolution this year is to buy a first home? Congratulations! You’d have to estimate how costs will be budgeted to buy the house. Now is the time to step into an important first stage.

The first stage is important after weighing and deciding to buy a home is set aside for payment (down payment / DP) your first home.

This stage is very important because it can affect your financial situation in the future. Here are some tips that you can do to reach your target this year.

Determine the target

Number of DP a house usually is around 20 per cent of the price of the house (this is not plus other costs such as the cost administration or insurance).

There are also some developers that gave leeway as DP which can be paid in installments or sign so that the value is smaller than that. Please note terms and conditions apply, when you have determined how many targets that must be collected, the savings would be much easier.

Lower the cost of current residence

Perhaps you live in an apartment or house with rental fees are expensive. In order to prepare for the DP fund your first home, do not hesitate to move temporarily to a residence with the cost of rent is cheaper.

Although less convenient, but it never hurts to stew before having fun in the future.

Cut some spending

If you are serious in collecting a large amount of money for the DP home. Then you need to increase the amount of revenue or cut some expenditures were deemed not mandatory spending.

Although it was burdensome, but you will become more creative in spending a pleasant time without having to spend money.

Create a separate account

If possible, separate savings account for DP home to account for daily expenses. Discipline yourself that the money in the account may not be used for anything other than home affairs. Better yet, if you have an emergency stash in a different account.

Create instruction auto debit

If you already know the amount of money that must be collected, you can also figure out how much money should be saved every month. To make things easier, you can create instruction auto debit amount of money into another account when payday arrives.

Save money shock

If you suddenly get unexpected money as bonuses, refund of taxes, gifts, etc. Move to a special account deposit DP fund your home. Things like this can speed you hit the target.

Keep these funds in a liquid

If you are planning to buy a house in less than five years, invest your money in a liquid and less risky as savings, time deposits, money market or fixed income if you choose a mutual fund.

Stay Focused and patient

Are you sure you can do it! Do not remove your eyes from the target before they are realized. Stay focused and be patient. To be more excited, print pictures of your dream house and make a graph on a computer that illustrate the development of your money from month to month. At the end of the trip you will be surprised when it reaches the target.

Have fun

Remember, your ultimate goal is to have his own house. You may occasionally celebrate if some funds have been collected, or your trip in collecting funds slightly longer be achieved. Do not let stress get you in the middle of the road and decided to give up

Making Houses For Investment

It has long been the large home as one of the investment component. That is why many are imposing buy a house, though not to live, and it is reasonable to invest.

Investment house has many forms, each of which serves a distinct advantage and handling.

invest property

Buy and sell. You buy a house, renovate, and sell. Your profit is derived from the difference between the purchase price and the cost of renovation at the sale price. Greater advantage of course you can get when it turns out the house has sloping price or below the market price, pretty good condition so it does not need or minimal renovation, plus the house is not “problematic”. The definition of the problem here is the house that such a position skewers, near the grave, difficult road access, flood, and so on. Well, if you have limited funds for investment houses in the form of buying and selling, home buying troubled avoid speculation. Because, if you have already seen it as a problem, prospective home buyers also think the same. In other words, you have to play it safe, and make measurable speculation.

Contracted. The way that most people do: You’ve got a home, but want to develop assets in the form of the house. Many factors are decisive in this one business. One is the location. Many people who already have a home but are willing to sign, in order to be closer to the office. Of course, more are forced to sign because they have no home. There is a fundamental difference between the two contracting this, example, in the case of home care. The former tend to be more diligent in taking care of the house, as if it was his house. That’s because the rented house occupied regarded as a representation of contracting. Another case contractor to two more indifferent. What is clear, as the owner of the rented, you should perform preventive measures that can be detrimental in the future, for example, installing rechargeable electric, so there is no contractor incident fled the electric bill. Then, always introduce contracting neighbors around.

Boarding house. In the past, businesses boarding house made by retirees whose home is quite large and has many rooms scars of their children. Over time, transformed into a boarding house like an apartment and hotel, which was built specifically for businesses boarding house. The most important of the boarding house business, is, as contracted, is the location. The house is close to the campus, or office, for example, is a plus. And differences in the target market is of course also a difference in the behavior of the service or the service and service users.

Note 3 This Before Investing Apartment

Apartments in addition can be used as a residence, can also be used to invest. The apartment belongs to the type of active property investment, because apartment owners earn every month or every year from the apartment tenant.

Advantages invest the apartment was not affected by the exchange rate against the dollar is increasingly diminished as was the case in other types of investments. This is because living in an apartment has become part of the urban lifestyle especially in big cities such as Jakarta, making the demand for vertical housing still hunted.

Large market opportunity is widely used by investors to invest some of his money into the apartment. However, before deciding to invest in apartments there are several things to consider, given this type of investment to spend not less.

1. Location

The location is still the most important thing when deciding to invest in property, such as apartments. Located in a strategic location, access to the apartment and smoothly when other public areas will add value to the investment of your apartment.

Select a location premium, which is adjacent to the educational institutions and the business center. If your apartment offers various facilities in it, get ready for your occupancy much sought after.

2. Buy On When Pre-sales

When looking to invest in the form of apartments, it is necessary to know also when a good time to buy an apartment. Buy an apartment in pre-sales or pre-sales because the price can be much cheaper than when launching the marketing period, because at this time the apartment is still a concept, you can take this opportunity.

Typically the developer pre-sales of apartments they will build more than one year before the marketing period. When the marketing period arrives, investors will benefit from about 30 percent before the whole building awake.

Potential gain on sale of apartments before the whole building awakened could reach 50 percent, while the apartments are resold within 2-3 years after the entire building a whole will benefit up to 80 percent. Remember! This only applies to the apartment with a strategic location and has easy access.

3. Performance Developers

Do not immediately tempted to buy an apartment in large numbers if the location is right. It is no less important to note is the performance of the developer. Do I see the connection that has been built by the developer, if performance and reputation well, in the future you will easily market your apartment unit smoothly.