Buying a house is a big decision in every person’s life. People buy their house after years of savings and hard work, but sometimes taking a decision in haste, incomplete information or just looking at the beauty of the house can prove costly in the future. A house is not just walls and roof, but its strong structure, clear legal documents and proper financial planning are equally important. In such a situation, if you are also preparing to buy a house, then it is very important to pay attention to some important things so that you do not have to regret later.

Look not only at design but also at structure

Often people get impressed by the paint, furniture and interior. But the real strength of a house lies in its foundation and structure. Be careful if you see slanting or wide cracks in the wall, ceiling or floor. Growing cracks around doors and windows may be a sign of foundation slipping. At the same time, if deep cracks, ground subsidence or concrete cracking are seen in the slab, then it can be a serious problem. Crooked floors, gaps between walls and ceilings, sloping ceilings or protruding walls indicate structural weakness. In such cases, it is necessary to get investigation done by experts. At the same time, dampness, bad smell, discolouration or falling of concrete can be signs of water leakage and internal damage, which can be costly to ignore.

Complete verification of legal documents is necessary

While buying a house, first check its registry and ownership. Nowadays, online portals like Bhulekh are available in many states where land records can be viewed by entering the Khasra number. From this, information about the real owner, condition of the registry and any other claim can be obtained. Also check the sale deed, registry paper, NOC and entrance certificate. So that it can be clear whether there is any legal dispute or outstanding loan on the property. If you are buying a flat then it is important to see the approval of the map, permission of the local authority and also the registration documents of the committee.

Be wise while taking home loan

If you are taking a house on loan, then keep your salary and future income in mind. If you have a good credit score, the bank can give more loan, but making more down payment will reduce the EMI burden. Before taking a loan, compare the interest rates from different banks and NBFCs. Also, assess your monthly expenses and try to reduce unnecessary expenses, so that there is no problem in paying EMI in future. Keep in mind that houses are not bought again and again. Therefore, take a decision keeping in mind its price, location and possible future expenses. Before buying an expensive house, think about whether you will be able to handle its financial burden for a long time or not.

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