In times like today’s increasingly difficult when an employee with mediocre income want to have a home. In addition it is difficult to allocate its budget, the price of the house from time to time are also constantly increasing. The solution generally is doing Mortgage, both at floating rates (floating rate), and the interest is fixed (fixed rate). However, there are actually several ways and creative strategies that can be done in order to own a home without credit in the bank. If you need a credit card and want to save money wisely, visit www.topcreditcardsblog.com.
First thing to do is get acquainted with colleagues working in the world of real estate and property. It’s good for ease of affairs and knowledge surrounding the house and land, as well as legal factors that enveloped him. From them you can find out the type of home desired location you want, as well as the current price and the price in the future, when you’ve been saving and investing.
Once you know what kind of house you want, then you apply a creative strategy fruit the following thoughts:
Angel investors. Is the person or institution that would help buy the home you want, unconditionally and without usury. That is, concerned not cite additional penny in his pocket, and help solely because they want to help their peers. It is rather difficult in the era of the all-seeking at this time, however, if we are sensitive, there’s always people like this around us. Even for them, the unknown, the happier they could help.
Thus, you can repay each month without having overshadowed the fear of defaults and foreclosures, as commonly feared when crediting through banks. All you need is the personal integrity to pay off the debts without the interest.
Saving money in gold. If you already know the house is desired and the price, which in turn have to do is save up to achieve these prices – for example 300.000. But the thing is, when you’ve got the money 300,000 – saved for three years to buy a house, the house prices soaring to more than you’ve tube. In other words, at any time until you can not have that dream home.
The solution is to save money in the form of gold or gold dinar coin by coin weighing 4.25 grams. If the first, in the 7th century AD, the gold dinar coins can buy a goat, today the number of the same gold dinar coins can still purchase the best goat scores. “This means that during the period of the 14th century there was no inflation”.
Investment in the real sector. If today you are accustomed to living with financial market investments or paper assets, with the growth rate of 15-30 percent per year, why not try to do business in the real sector by selling products that are popular with the public ?. By becoming a distributor who has many agent network, and a growing number of agents working for you, the more profit you get so that it can later buy your dream home.
Property agent. With the increasing number of upper-middle class is growing from day to day more rapidly, housing needs are also increasingly urgent. Automatically, the demand for an organized home seller or Property Agency, is also increasing. This could be a creative way but it takes persistence to get a commission that ranges from 1-3% of the sale price of the house, which, if continued, could buy your dream home.
Sweat equity developer. Not much to pursue a profession in the field of developers. In addition to the necessary time to understand its workflow to be able to produce, is also not a bit of capital that must be removed. But with sweat equity capital knee developer alias developer you can have a dream home.
How, you collect two types of owners, the owners of land and money owners, who would like to use for operational costs and promotion costs makeshift office. Then make a deal, if you can get a buyer – of course with the support of the financiers – then one of the houses to be built belongs to you.
It takes at least two years to make it happen, at least not during this time, you become more proficient in the property field.