| Topic : Financial Goals $$... |
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Activity:
51 views;
last activity : 07 06 2010 20:18:09 +0000
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Getting the wrong mortgage.
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hipe in the price of the propery through common areas.
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Look at the whole issue
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Mostly are first-time : Look before U Leap
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hi rashmi
to say or not to say but loans are ring of trap under which people got jammed. AMR and interest only loan seems to be quiet low at the beginning but may change subject to condition
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people never measure properly the common areas they are getting. Many builders will book more money on this account. Since every person has to equally pay the per square feet price for the common area also. Many people rely on what builder said and pay the money, but in practical most of the builders will cheat in this aspect. Example if common area as said by the builder is 600 sq. feet, when actually you measured the same it will be less than that. so people paying more and loose the money. Hence please cautious in this aspect. |
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Yes mortagage is a big part of buying a home. But it is not the only part of home buying. Everybody is judiciously concerned with the mortgage part. But there are other issues also. You have to see the construction. and be satisfied with it. You have to get the home registered with the civic authorities. So you have to see who is going to pay the registration charges. If you have to pay, see whether it can be a part of your loan. The civic amenities part has to be tackled also. At the time of moving in you have to pay some money to the Group housing Society If the house is in a Group Housing Society. You have to tacle that issue also. Though it is illegal But this practice continues. This way you have to fight with several things. |
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As usual, repayment options are your choice/s. U judge ur capacity and opt for. Lenders give U 4/5 options. Most Home Loans are for first time byers - no surprise in them. What is mentionable is that " U look before U Leap " - dont repent for ur own decessions made. Things may change later as market conditions change - and that is the reality. If the lender is a PSU Bank - you may rely on them ( decessions are yours though ). |
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