Home Insurance.

When you borrow money from banks to buy houses. Banks tend to keep

insurance. So when buying a home should consider such matters in advance.

Large house insurance is expensive. The small house insurance is cheaper.

Most insurance will cover the following.

Fire, electric shock.

Theft and tampering.

The accident of aircraft.

Forest fires.

The insurance will be based on the risk of the area of the house, there is a risk that much to set insurance rates.

What to consider when looking for information on buying a house or condo.

Comparative advantages and disadvantages between home and condo.

Home

- Advantages.

1. There is an extensive area.

2. There is a very useful area.

3. There is parking.

4. Peace and privacy.

5. Service support for residents of several members.

6. Maintenance and decoration to fill.

- Disadvantages.

1. Tend to be far away from the office and the city center.

2. The cost of maintenance, cleaning, and more decorative high

3. To build relationships with neighbors and live together in community.

Condo.

- Advantages.

1. Get close with the community and at work.

2. There is a high mobility.

3. More suitable for singles who love seclusion.

4. Expenses for the care, maintenance and refurbished less than Detached houses and town houses.

- Disadvantages.

1. Water and electricity bills are high.

2. Less space.

3. Parking is limited.

Criteria to consider when buying a home.

1. Check the Credibility of the company that developed the project.

2. Check the interest of the bank.

3. Check the location and landscape.

4. Check the structure of the building or home, that a strong and accurate according to the plan or not.

5. Check the surrounding environment and nearby. Pollution or that there is unsuitable for residential or not.

Home Equity Loans

Home Mortgage Loan Interest Rate along with us throughout a long period of payment for the house. The bank has decided it is important that home buyers need to consider carefully.

1. The promotion of interest.

When you decide to buy a house, the promotion of the interest has been absolutely critical to the decision to apply for bank loans. Therefore, each bank will have a special interest in the promotion period to attract home buyers to consider their own recovery. In addition, some banks may also have promotional benefits to home buyers with housing some of the credibility to attract to their service. Home buyers should carefully consider a loan with a bank that provides benefits to buyers. So when buying a home should look first to the bank to benefit the most.

2. Refinancing.

Refinancing is to borrow money from financial institutions to repay the debt earlier. Usually done in 3 or 5 years from the date the loan with the bank because the Promotion Period, "the bank" to have the maturity and interest will be based. The borrower has the effect of reducing interest rates by providing a new bank that will give you a good promotion for the bank to borrow money to replace the current use. The borrower needs to consider the advantages and disadvantages of refinancing that is better. The rate of a new bank may be better than the original, but must have the mortgage and other expenses. That must be taken into consideration in order to compare the effect of the refinancing process.

The decision to prepare for buying a home.

1. Do not buy a house with passion and satisfaction. However, regardless of ability to purchase and installment loans. Do not buy a house at a price higher than you. The value of a home loan should not exceed 30% of income.

2. Trying to collect money for a down payment of at least 25% as much as possible to reduce the burden of repayment.

3. Keep spending money when they need money that is not prepared to buy a house. You can be easily calculated that for a period of 6 months at least.

4. Get some money into the decoration.

Before buying a home should calculate the interest rate and money to pay in the bank and land office. To be able to prepare financial statements prior to the purchase and operation of a bank loan.

Buying a used car

Cardinal rule in buying a used car.

1. Check out the history of the Service book a car service center.

2. Check the owner of the car before, to know the behavior of the vehicle.

3. Check the number of trades in the past. That traded hands a few times to determine whether you should buy.

4. Check the distance measuring instrument used in the past.

5. Check the condition of the car is not broken or damaged.

6. Check out the new color to the car. If the car was made before, may have an accident or the car is very old.

7. Check the vehicle history, they had committed or was this an accident. To avoid the problems that will come after your purchase.

8. Buy direct from the owner. To know the history and may be cheaper to buy a car from a dealer.

9. When buying a car, consider the required equipment before they are traded.

10. Check the evidence of the transfer and trading of properly to minimize the problems that arise later if the document is not complete.

An easy way to buy a car.

1. Search the Internet to check for the purchase of new car brands from General Knowledge.

2. To buy a car that is popular, so easy to repair and maintain.

3. Avoid a car that clearly does not know history or have an accident before.

4. Select a car from a dealer who has a reputation for reliability.