Enough to pay 70% of the apartment value, but the 8x couple in Saigon only pay 30% in advance, the rest to do this
“When and how much money will buy a house?” – is the biggest question of young couples. In the best time to earn money, surely every couple wants to try to settle down.
Sharing this same thought, Ms. Nhu Quynh (born in 1989, currently working in an office) and her husband soon owned an apartment in Vinhomes Grand Park, Thu Duc district, Ho Chi Minh City. Ho Chi Minh. The apartment she and her husband bought has an area of 69 square meters.
69 square meter apartment of Ms. Nhu Quynh and her husband in Ho Chi Minh City.
01. Purposely choose only 30% prepaid project, the remaining 70% in installments to reduce financial pressure
Even though they have enough money to pay 70% of the apartment’s value, Quynh and her husband are still looking for a 30% prepayment project. The reason you only want to pay 30% in advance is because the remaining 70% will be paid in installments to reduce financial pressure. The rest of the capital you use to develop your passion for the furniture business and save a small part for self-defense.
Quynh and her husband bought the apartment for 2.8 billion, supporting installment loans from TechcomBank because there is a link with the investor to facilitate the procedure. The debt is under control, so Quynh and her husband have no pressure. The interest rate for repayment is 7.7%, each month the principal payment is about 17 million, this amount will decrease over time.
You choose to pay 30% of the apartment value in advance, the remaining 70% will be paid in installments to reduce financial pressure.
“Because of careful study and calculation, my husband and I did not have much pressure. In case of difficulties, the bank’s loan support for up to 30 years also helps to reduce financial pressure a lot.
From my home buying experience shows that when finance meets 40% – 50% of the value of the apartment, buy it. And it’s best to find projects with preferential interest rates, link to support a bank loan of 30% of the apartment value. The rest of the money to protect yourself when you are sick or having problems at work, there is also a reserve to avoid pressure. Thus, I have both a house to live in and a reasonable spending plan.
In addition, it should be noted about the reputation of the investor, followed by internal and external utilities, schools for children, and hospitals when sick.”Quynh gave advice.
The interest rate for repayment is 7.7%, each month the principal payment is about 17 million, this amount will decrease over time.
02 Criteria for choosing apartments: Prestigious investor, convenient living environment
Choose an apartment in this project because the first criterion that Quynh and her husband are interested in is the investor’s brand, scale and utility. The investor of this project is Vinhomes. This is also one of the leading real estate investment, trading and management companies in Vietnam. As an architect, Quynh’s husband has been exposed to many projects of this investor and believes in their services and responsibilities after buying a house.
“Because of the nature of her husband’s work as an architect, he has been exposed to many apartment and townhouse projects in Ho Chi Minh City, so it is easy to experience reality. From that, we quickly found a project that met our criteria.
The apartment in this project meets the criteria of finance, location, job development and most importantly, a living environment for small families. In terms of finance, this project is very suitable for young families like husband and wife when there is a policy of linking bank loans with extended time and preferential interest rates. My wife and I can balance the loan to buy a house, the rest of the money is used to develop the business of our favorite furniture.
Besides, the apartment here has very good facilities, my husband and I have space for walking, exercise, children have a safe and spacious playground. If buying a townhouse does not have such a preferential loan policy and most importantly, it is difficult to have space for children to play and have fun.“, Quynh shared.
The facilities at the project that Nhu Quynh’s family use include children’s playground, sports training ground, light park, artificial beach, BBQ garden, ping pong court, badminton, tennis , football… The project is completing more shopping centers and schools.
In addition, this project is close to the parents’ house of the couple, so it meets the criteria of being close to family and relatives. Therefore, Quynh and her husband decided to buy a corner apartment with an area of 69 square meters, although it is small, it gets very good light, most of the rooms have a clear view.
03. Wife takes care of the baby hard, husband and colleagues shake hands to design an apartment as a gift
Quynh’s husband is passionate about furniture, so he co-founded a design company. Although he has worked on many beautiful projects for customers, this is the first project he has done for his family.
“I gave birth to my second baby before Tet, so I have a table with my husband, I will wait for the baby to be strong before implementing the interior. But surprisingly, right when I was on maternity leave for 1 month, he and his associates completed the apartment. Of course, before that, the couple often discussed how to arrange the interior, so the apartment was completed to their liking.“, Quynh shared.
Because the apartment has the disadvantage of small area, if it is a storage area, it will be a waste of space. So the problem is how to make the apartment feel airy and arrange storage space for a family of 4.
Quynh’s husband cleverly arranged a full-ceiling cabinet system in white color with materials that are both easy to clean and do not feel heavy, including: kitchen cabinets, TV cabinets, and seamless dry goods with wine cabinets, wardrobes…
There are also storage areas under the bed and a reading area. Families can comfortably hide rarely used items to keep the house tidy. Quynh’s baby also has his own closet for toys, so he likes it very much.
The article is written according to the character’s narration – Photo: NVCC
at Blogtuan.info – Source: cafebiz.vn – Read the original article here
