Buying a house or a flat is probably the biggest investment made by a couple during their family life. Though before it was popular to think about houses after getting married, today there is an increasing trend in buying real estate even still without an officially registered marriage. Anyway, both options imply mutual responsibility, sharing risks and ownership. Experts and creators of a popular Asian dating site in the USA observe how hundreds of young couples start their family journey and how many of them face the problems connected with buying houses. Today, they give tips to young couples on how to purchase real estate together and not quarrel.
Remember that you are doing it together
Well, it would be a nice movie scene to surprise your bae with the keys to a new house. However, in reality, when your spouse doesn’t have a fixed happy role to play (unlike an actress in a movie), she can have a very different reaction. Surprises definitely don’t suit the context of buying the main possession of your family. Your sweetheart can have very specific dreams about the house and maybe your ideal picture is very different from hers. In the worst case, she will keep criticizing the house here and there because she hates it. Then the thing that was supposed to unite you will instead separate both of you.
Discuss and write down all the key points
As you are likely to have very different opinions on the ideal house, start with creating individual lists of must-haves. Write separately the things that you really need and the things that you want to have but you can survive without them. At the next stage, sit together and compare your lists. This process will help you quickly identify the most important points. It is likely that you missed something that you bae remembered and vice versa. However, some of the ideas will become a nice ground for a discussion. Try to understand each other and work as a team that is trying to achieve mutual prosperity.
Start saving before you decide to buy
Of course, there are loans for buying real estate. However, you have to give back not only the loan but also pay interest on it while the real value of your house will only go down. If you plan to buy a house or flat, start to save money on it in advance. You can check your family budget, cook food at home and take your lunch to work, buy a mug and drink coffee at home. Of course, don’t make your life totally miserable, because it makes no sense to live in a nice house after ten years and have nothing to eat all this time before. Just remember that saving in advance will pay off, but stay reasonable.
Take a loan wisely
First, you will have to make sure that your credit history is good, the credit history of both of you. So make sure you pay off your previous loans and make all the payments on time. This way you increase your purchasing power.
Second, talk to the mortgage lender before you go to choose a house or flat. When you already have an approved budget, it gets way easier to choose real estate. You know what you can afford and avoid situations when you choose something that you love so much but that exceeds your budget.
Third, stick to your budget. Yes, it may sound too simple to even mention. However, many couples follow their impulsive desire and buy a thing that they can’t normally afford. Then they don’t even have enough money for simple comfort. As a result, they start to stress and quarrel, which is no good.
Make the house purchase a thing that brings you together
While you can start to quarrel about particular things, try to stay focused on the main idea: you buy a house for your family. Make the whole quest a challenging team mission for your couple. Tackle problems and find solutions together. And you will see that buying a home can be a very uniting experience.
Find a professional real estate consultant
Real estate agents don’t take your money for no value. In reality, they fulfill a big part of your job. They take your vague requests and find options based on your budget. In the end, a real estate agent is the person that will help to strike a balance between the spouses’ interests and save the harmony and peace in your couple.