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News
What to do to save and buy a house
“
10
ENE
What to do to save and buy a house
What to do to save and buy a house.
Experts recommend not allocating more than 35% of monthly income to housing
Source: www.abc.es (pisos.com)
Having a home on property remains the goal of a good number of citizens. The security provided by having something tangible for the future means that many current tenants are considering the option of buying a property in 2020. The main obstacle to taking the final step is the lack of the previous savings needed to access a mortgage, It is around 20% of the price of the house. From flats.com we want to give you some tips to save and get financing next year:
1. Define a budget. Specifying the objective is essential. We must take account to know how much money we need to save. Keep in mind that experts recommend not allocating more than 35% of monthly income to housing. Thus, it would be easy to calculate our maximum budget and, therefore, how much we should save to access bank financing.
2. Start as soon as possible. The habit of saving must begin to grow even before shuffling the idea of buying a property. In fact, it is recommended that, at the time you have a regular salary, you start with this healthy routine. The 50/20/30 rule promotes the allocation of 50% for basic expenses, 30% for personnel and 20% for savings. If you have not anticipated, start now.
3. Goodbye to waste. Analyze your expenses and ask yourself what you can do without. It is always possible to spend less on supplies, insurance, leisure, and even in the shopping cart. It's about being aware of those little black holes of everyday life that diminish our ability to save: from eating out from home instead of cooking to a mobile rate that does not fit our real needs.
4. Technology as an ally. The digital age is on the saver's side. Today, there are many totally free apps that can help us design a budget, create piggy banks or meet our expenses. The latter are especially useful, since they keep a record of how much we spend and what. It is a valuable resource to keep our finances under control.
5. A separate account. There is nothing better than formalizing savings. To do this, the best we can do is open a new account in the bank dedicated exclusively to savings. This money, being separated from our checking account, we will avoid having it in our day to day. There are still entities with deposits that, although they do not generate great profitability, do not penalize the total or partial withdrawal of funds.
Experts recommend not allocating more than 35% of monthly income to housing
Source: www.abc.es (pisos.com)
Having a home on property remains the goal of a good number of citizens. The security provided by having something tangible for the future means that many current tenants are considering the option of buying a property in 2020. The main obstacle to taking the final step is the lack of the previous savings needed to access a mortgage, It is around 20% of the price of the house. From flats.com we want to give you some tips to save and get financing next year:
1. Define a budget. Specifying the objective is essential. We must take account to know how much money we need to save. Keep in mind that experts recommend not allocating more than 35% of monthly income to housing. Thus, it would be easy to calculate our maximum budget and, therefore, how much we should save to access bank financing.
2. Start as soon as possible. The habit of saving must begin to grow even before shuffling the idea of buying a property. In fact, it is recommended that, at the time you have a regular salary, you start with this healthy routine. The 50/20/30 rule promotes the allocation of 50% for basic expenses, 30% for personnel and 20% for savings. If you have not anticipated, start now.
3. Goodbye to waste. Analyze your expenses and ask yourself what you can do without. It is always possible to spend less on supplies, insurance, leisure, and even in the shopping cart. It's about being aware of those little black holes of everyday life that diminish our ability to save: from eating out from home instead of cooking to a mobile rate that does not fit our real needs.
4. Technology as an ally. The digital age is on the saver's side. Today, there are many totally free apps that can help us design a budget, create piggy banks or meet our expenses. The latter are especially useful, since they keep a record of how much we spend and what. It is a valuable resource to keep our finances under control.
5. A separate account. There is nothing better than formalizing savings. To do this, the best we can do is open a new account in the bank dedicated exclusively to savings. This money, being separated from our checking account, we will avoid having it in our day to day. There are still entities with deposits that, although they do not generate great profitability, do not penalize the total or partial withdrawal of funds.
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