Tips for Buying a House to Make it Safer and More Profitable

The decision to buy a home when you feel financially ready may sound easy, just thinking about choosing the right house. But in reality, choosing a home isn't as easy as we imagine. There are many factors to consider before deciding, "I want this house." Here are some tips for safer and more profitable home buying:

1. Determine Your Needs & Budget

Adjust the size of your home to the number of family members. Set realistic budget limits, including installments, maintenance costs, and taxes. Set aside an emergency fund outside the household budget.

2. Choose a Strategic Location

Close to transportation, schools, hospitals, and shopping centers. Consider the area's development potential (property value appreciation). Check the surrounding area to ensure it is flood-safe, clean, and safe.

3. Check Legality & Documents

Ensure the land certificate (SHM/SHGB) is valid and in the seller's name. Check the IMB/PBG (Building Permit), PBB tax (Property Land and Building Tax), and ensure there are no disputes. Use a notary/PPAT (Public Land Office) to process the documents for added security.

4. Check the Condition of the House

You should inspect the building structure (foundation, walls, roof). Pay attention to the electrical, water, and ventilation systems. If buying a used house, consider the potential renovation costs.

5. Compare Market Prices

You should survey house prices in your area. Don't rush into buying just because of a promotional price. Also consider additional costs (notary, title transfer, mortgage, insurance).

6. Consider the Purchase Scheme

Developers usually offer several property payment systems. Cash: usually offers a lower price. Mortgage: suitable if you want low installments, but consider the interest and tenor. Cash installments: usually offered by developers.

7. Choose a Trusted Developer or Seller

If the house is new, ensure the developer has a good track record. If it's a used house, check the ownership history of the house and ensure there are no inheritance disputes. You can also look for testimonials or reviews from other buyers.

Those are 7 important tips to consider when buying a home. This will ensure you purchase a safe and problem-free home in the future. So you can enjoy the comfort and happiness of living in your new home with your family without worry.