There comes a time in life when you want to take a bigger step: leaving the family home, living alone for the first time, or getting married and building a new home. At that time, that cruel question arises: Am I ready to buy a property?
In the hustle and bustle of everyday life, we do not always have time to assess everything calmly – not least because the purchase of a property involves a number of factors, from financial planning to the roles involved in the process.
So we prepared this post to help you! Next, find out the factors that will show you whether or not you are prepared to make that decision. You may find that it is time to have a place to call your own! Come on?
This is one of the main signs that you need to buy a property – but at the same time, it is one of the most subjective. Do you feel that you are independent and need to have your own space? Are you bothered to share the house with family members, for example?
Often, this feeling of imprisonment can affect your whole daily life, and really hinder your happiness. Those who have their own house live according to their own rules, which is a very positive point – and one of the most desired by those who are considering buying a property.
Is your career at a stable time? Do you have a salary that allows you to make a certain investment and pay monthly installments? If you answered “yes” to these questions, then this is a great opportunity to start thinking about your own property!
If you have a good job and have some savings, the hardest part is over. Paying rent would probably be a waste, since it would not bring long-term returns – that is, it is worthwhile to start researching the purchase of the property.
Are you getting married and want to have your own “corner”? Or, who knows, you are thinking about increasing your family and want more space? In these cases, nothing better than having a home of your own.
Think about this: you are building a life, and having a solid foundation will only make things easier up front. Some families spend decades paying rent and then regret not having invested in their own property before.
We have already commented on the career and employment situation. However, what many people do not realize is that you do not need to have a large fortune saved to buy a property! The mortgage can be a great option to facilitate this process.
With it, instead of paying rent, you can invest the amount to pay the monthly installments. One of the main advantages is that the property tends to increase over time, while the installments are decreasing – that is, you will have an increasingly valuable asset with an ever lower expense!
Another important detail is that you can use your Time of Service Guarantee Fund (FGTS) to finance the property, greatly facilitating the acquisition. There is also a chance to finance up to 75% of the property value up to 360 times through companies like CrediPronto.
Buying a property is a big decision in anyone’s life. If this post showed that you are ready for it, go ahead! Just be sure to study the possibilities and plan financially to take that step. With a little organization, you will soon be living in your new home or apartment!
So, what are your plans for the future? Already dreaming about your property? Have other questions on the subject? Leave your comment and tell us everything!