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12 Tips to Buy Your House or Apartment 

Is a house or an apartment better? Should I buy it with Cash or credit? Where and how do I
begin? If you are looking for a home to buy, surely you have asked yourself some of these
questions and many others. Do not worry; it is normal to feel so many insecurities and
especially when you buy your first house. Ajmal Makan, the name of trust for buy and sell villas
in Sharjah, brings 12 tips to buy your home safely and make your dream of having your own
home come true in 2020.

1. Define First Your Investment Budget

The first thing you should do before buying your house or apartment in any area like waterfront
property UAE destination is to determine what the maximum amount you will be willing to
invest in your new home will be. It is important to establish a real value to avoid losses by
visiting properties that are above your budget.

2. Determine the Payment Mode

Now that you know how much you want to invest in your new home, you must define how you
are going to pay it, with your savings?, with your bank?, can you combine them? It is best to
buy it in cash, but if you do not have enough money, do not worry, because currently, you can
buy your home with very low and convenient interest rates through banks. 

3. Start the Search for the Home You Need

At this point you should make a list of the requirements you are looking for in your new home
and order them from highest to lowest importance, since it will be really complicated to comply
with everyone and you should focus on the really important points.

If you are one of those who love technology or have a busy life, we recommend that you not
only focus on searching the Internet portals, but spend a weekend touring the areas like
waterfront property Sharjah or visiting real estate agencies like Ajmal Makan. You can find very
good deals out there.  

4. Choose the Type of Seller You Want To Negotiate With

In the course of your search you will surely find different types of vendors, we classify them into
2 large groups:

 The Owners: This group refers to the owners of the homes; they can be 1, 2 or several
people at the same time, when it comes to heirs, who sell their properties for different
reasons.
 Real Estate: Here we group both the Agencies and the Licensed Real Estate Brokers, who
are dedicated to the sale of real estate and can offer you better advice when buying or
selling your home.

You have all the freedom to decide with which of the two types of sellers you want to negotiate
and who gives you greater security and confidence.

5. Visit the Home You Want to Buy

Now that you have selected the house, it is necessary that you know it, for this you must
schedule a visit to the property, so that you can see all the benefits that the house you selected
provides and verify that it is precisely what the seller has offered you and that everything is in
order. Take the opportunity to explore every corner and imagine yourself living there.

6. Find Out About the Advantages of Living in That Neighborhood

If you like the house you chose, it is important that you know the benefits of living in that area
like in sea view Shjarjah, you just have to go out and explore the neighborhood and ask the
neighbors about the advantages of living in that place.

7. Make Sure There Are No Impediments To The Sale

It is very important that you make sure that there is no lien, mortgage or any type of
impediment that prohibits the sale of the home you have selected. You can verify this by
requesting the updated tax lien certificate.

8. Make An Offer

If you have already found the house or apartment you were looking for, it is time to make an
offer for the property. It is important that before doing so you investigate the real price of the
property. Remember that in most cases the owners tend to overvalue their property due to
sentimental or personal factors. On the other hand, if you decided to buy through a real estate
agency they can advise you on the prices that are handled in the sector. This way you can avoid
overpaying for the house you like.

9. Make Sure They Will Approve Your Mortgage

If you decided to finance the purchase of your house with a mortgage loan, you must ensure
that the bank will be willing to lend you the value you need, for this you must approach your
account advisor and request a prequalification of the credit, each bank will have its own
requirements.

10. Ensure Proof of Water, Electricity, Administration, Etc

Before formalizing the purchase of your new house or apartment, verify that the property does
not have pending payments, since the seller must take care of delivering the house with all its
payments up to date, unless they establish an agreement with you. For this, it asks for proof of
water, electricity, administration or aliquots (in the case of horizontal property) and municipal
taxes.

11. Write with a Professional

The purchase of a home cannot be taken lightly and especially when making the Deeds of
Property, which are the documents that accredit you as the owner of the property. This
document must be drafted and signed by a lawyer or legal professional, who will include the
necessary clauses to secure your investment.

12. Pay Notary and Registration Taxes and Other Expenses

Finally, we advise you to include in your budget a reservation for the expenses that you will
have to pay to legalize the purchase of your house or apartment. These values are calculated
according to the price of the property and correspond to attorney, notary, registry and
municipal expenses.

If you do not have time, whether for work, studies or any other reason and need help or advice
to find and buy the house of your dreams, we invite you to know our real estate sell and
purchase services. Here we help people like you to find the ideal place they are looking for
within their budget and with everything you and your family need.

If you have a freehold villa for sale in Sharjah, Ajmal Makan will help you get the best value.
Whether you would like to buy a home/apartment or you are an investor and have villas for
sale in Sharjah, experience our fair deal!