Home loan 🏡 What to do? 100% loan.✅

Steps from the Start Review - Recovery Through What to Do? Prepare to write down!!

First, the post is long again 😅, but I want to share it completely..

Starting with a loan, we are a "build-up" loan on the space itself (that is burden-free). We demolish the house and then issue a new deed to file a loan.

📍 Step 1: Find a construction contractor, we find it from Facebook, no known person chooses from the company that takes the job on the budget we set up, and we choose the type that holds the bank submission and ask for construction permission.

- Let's make an appointment to talk to you. Whoever has the right conditions, has the kind of work we like, make an appointment to evaluate the area.

- Okay, just put the contract money (the contract is not a construction contract). We put 30,000 to be deducted after we finish the construction.

- Ours has a precursor model. The company will take our model to adjust and then make a request for permission to be his company again. * * * Will come to review the search for the contract to post further. ☺️

📍 Step 2: Nesting the temple / Requesting a new deed because we have to divide the new place according to the plan. This step takes time to do it early because the temple queue is very long.

- Requesting a temple needs a rough plan that we're going to need to build. The contract will give us the details. They'll have to look at the pins on the plan. We can't take the meter cartridge and notify you. You won't get enough space for the house.

- To the day of the land officer to measure the proving area (almost half a day), our area is difficult.

- Very important is that the house attached to us left, right, back of the house must recognize the house and sign the document. / / Therefore, who will make the house befriend the neighbor so that there will be no problem 😆 and wait for the closure of the 30 days. If there is no one to argue, then the deed will be issued to us (all of us take 3 months).

📍, while dealing with the deed, we looked at the design of the house so that the deed will be ready to file the bank.

📍 Step 3: Pre-Approved B.C. Contractors will coordinate MOU Bank, we also submit financial documents, statements / slips, salary 6 months / credit buro.

We'll know if we recover alone or if we need a joint loan.

📍 Step 4: File a loan. After getting the deed, the contract will be translated. And the bank and the contract will be processed, we will send the document 90 / 91. In addition, the bank will make an appointment to evaluate the construction area.

Pay our estimate of about 4 thousand.

📍 Step 5: The evaluation results will get all of our loan limits and the actual limit that we will borrow. Our do a little more in order to use as decoration and yellow allowance. Renovate the back beside with 100% full loan. (Advantage of choosing Bank OUs)

- Dec will give us an interest rating to choose from, and our loan line insurance plan will choose as convenient. Our interest rate is 3-4%.

📍 Step 6: Approved After filing five days, it has passed 👍🏻, and the interest rate has been reduced to 2.6%, and then the mortgage date appointment.

📍 Final Step: Appointment for the reservation (Lands Department), sign a loan contract with the bank. The deed will be retained by the bank and make the first transfer for us. Today, you have to prepare a mortgage payment of 1% of the house price.

Ours is easy to consider because, as I said, we choose the contract to apply for the loan, so we cut the process of filing the bank and running to many places / bank at the MOU may not be the cheapest rating, but the advantage is that we will get the annuities that match the annuities of the construction work at all and guarantee that the director will not pour us easily because he has a counterparty with the bank, called safe.

The next post will share the search for the contract. What should be checked before the contract?

# Building a house loan # Talk about home # First house # Renovate House # One post a day