5 Benda Yang Korang Kena Fikir Sebelum Beli Rumah

Five things you should know before buying a house


I hate to buy homes. I do not like " hate " many things. But I have lost millions of dollars to buy houses .

The stress is unbearable when you have to sell . And you do not have money when you need it .

This is a prison. The white picket fence is the bars of a prison . The bank guards looking in. And the need to protect your family keeps in isolation of guilt and anxiety and stress.



I will no reasons . Google " Altucher " and " property". I wrote about it a few times. Then someone wrote against my arguments , and I replied . And so on .

(See " Why I shoot myself in the head rather than owning a home " for links to all my reasons)

BUT , some people are just at home . I will not argue with them. Everyone wants to know : Is this the right time ?

They have good reasons :

- Roots
- A lawn for their children ( type of lawn is $ 100,000 down payment and higher interest rates )
- A place where they know that they will be there for 20 years ( even if , on average , Americans are buying new homes every five years)
- You love the area and there are no holidays in the neighborhood
- They think it is an investment.
- This is the "American Dream." Blah .

In order. Buy a house . Never forget that you are brainwashed by the banks of marketing campaigns by Fannie Mae ( government controlled ) by your work ( the fear you have mobility) , by governments (who love to know where your assets are , if they need to enter are ) , and so on . As long as you 're aware of them, then you are ready for what I write below .

But please at least make the following checklist before this decision. You have to say " YES " To all below . And then it might be a good choice for you.

A) WOULD toilet. Or talk to them . Or for people who like to talk toilets.

Because I hate to be the one to break this to you , but you lose your hair. And to get hair out of the pipes. And then stops your toilet . And if customers are on the toilet overflow and "stuff" to go all over the floor .

It will happen . Best of luck .

B) YOU LIKE HOME DEPOT . I love it!

It is so amazing : empty corridor after empty corridor . It extends to infinity. And no one seems to work.

It is given as a Death Star. Where are all the Stormtroopers go ? Is there a cursed person who can tell me where the air conditioning ? And the bug spray ? And shovels ? I need a bucket . NOW! But there is one.


( Home Depot build the future )
C) Do not know how to add . I do not mind. Many people can no longer easy.

I 'm one of them ( see above : lost millions ) .

If you do not know how to add I have a solution below , which makes it so you do not need to know how to add.

But first, what is the real cost of home :

OWN + = deposit size of mortgage + all interest payments , as well as all taxes (which are not calculcated since unexpected tax increase ) + maintenance (which can also be calculated ) + cost opportunity time (which is minimal because you like Home Depot and toilet ) .

Rent = Rent All your added LESS what you want to bond with the money you used to buy a payment.

Then compare the two . What is ? Do not make the choice that 's over. ( Unless ... see Parts D and E)


( The American Dream might be true, but only if your eyes are wide open)
You can say , I should be less of what we do from the increasing value of a home . But it is basically unpredictable and people put that money into buying the house next door anyway.

The real estate prices in many parts of the country are still down from a decade ago. So, who knows? And housing has not risen faster than inflation over the last 100 years.

And if you think as an investment that you can rent housing , then it would have been to your down payment , borrow 100 % against him (which is allowed in each bank ) and buy a residential REIT market stock.

Then there are liquid and you can sell at any time what the economy is doing. So if you really believe that the housing on the rise here ( for example, you are a prophet of God and know that somehow these things when no one else does ) , then you can have all your rent and two moments of the money in a REIT.

Thus, " a house is a good investment " is never really a good argument ... unless ...

D) you , when it happens like death , debt and divorce to others.

There is no way to predict whether the housing is increasing or decreasing . So, you need the death , debt and divorce your side. These are the only way to ensure that others can get a better deal than everyone basically .

If every home in an area that goes to $ 400,000, then you will want to make sure you do not pay more than $ 200-250000 .

This is called a " good investment. " Good investment is not to predict the future is to reach an agreement . This is an important concept , no matter what you put in, and this is everybody forgets the concept .

You get a case , when someone dies ( and kids do not want to manage the dispute ) .

You get a case , when two people divorce ( and they need to sell their house quickly , no matter the price , no)


(Possibility to manufacture )
And get a case if someone too much debt ( and for example foreclosed on ) occurs.

That's it. Sometimes you get a good deal, if you move to work, but these days , which is generally related to the debt .

Do not buy a house if you are getting a deal , even if you are confident that you will live for 30 years (remember : you can not predict the future ) .

Well, you need an agreement if ....

E ) You have a lot of money . If you buy a house, have 4x the amount of mortgage money sitting in your bank account.

This seems like a lot , right? Why not just buy the house in cash?

Because you might run out of money . Especially if it is a long economic crisis (again unpredictable, but why take a chance in the worst case , if you do not have to) . I do not like risking poor worst-case scenarios.

I do not think it will be a great fall . But why take a chance with your life?

The worst-case scenarios are too scary ! You can die!

Cash is a beautiful thing. With money in the bank , you can stay calm when everyone suicide.

Treat your money well so that you Treaty of Nice. Do not throw everything into a down payment on a house. As I said in previous posts , this is a very unpleasant thing to do for your money.

So, here is my list .

I think you are doing all the other things that you rent or buy : look for good schools , live in a nice neighborhood , etc.

This is not an argument against buying a house . I respect that a lot of people want to own a home for any reason.

This is just my list.

This is an argument for keeping you healthy so you can concentrate on other things in your life .

Follow this list , and if you are a tenant or owner, you get your mind enough to be able to be creative and explore the world.

Be an explorer , not a prisoner.