The most important thing in an offer It’s not about how much the house is. It doesn’t matter how much I pay right?
Today we are going to talk about financing.
First, you need to get in the habit of dividing the price by 10. If it’s a 900 million apartment Then, think of it by dividing it into 10 pieces of 90 million won each. why The rent is usually paid in 10% increments.
How much is my money in this apartment Two billion Hear why First, the most common way
- 20% down payment
- Interim payment 60%
- The balance is 20%
- 20% down payment here
- 20% of the selling price
- 20% is paid within one month from the date of winning.
You said earlier that you have to divide into 10 equal parts and calculate 90 million won each. If you multiply by 2, you have to pay 180 million won within a month. Is this a house that I can afford? This is actually one-time filtering on the down payment size Usually, there are no loans here, so I pay with my own money.
So I don’t have enough money to pay the down payment. Then it’s not my home hear me know So, the down payment is not 20%. There are some houses with 10%. In the beginning, the self-burden will be greatly reduced. In the old days, there were more apartments like this ..not now Well, I paid the contract.
I won 180 million won Now I have to pay the interim payment it’s real from here I have to calculate I’m a doormat Then go back…The installment payment is usually 60% of the selling price. I don’t do this all at once. divided into 6 So, you pay 10% 6 times. This cycle is 4-5 months It usually takes 2 years and 6 months to build an apartment.
Once every 5 months for a total of 6 times 5×6=30 months is perfect. But can you pay 90 million won every 5 months? So this is where the loan comes from. installment loan but now it’s hard Go through the door and back.
Well, have you all gone?
remember 900 million The type of housing I receive exceeds 900 million won Then I don’t get a mid-payment loan. Of course, there are cases where the operator’s warranty comes out like this.
not many hardly ever