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Houses for Sale in Guardamar del Segura
Can I afford to buy a home?
One of the most common doubts that arise when we look at a house to buy is to know if we can afford it.
There are times when we have a home, but nevertheless, doubts and questions assail us about whether we can afford the investment involved. Doing accounts and putting numbers on paper can be a good way to help us make a decision. If you do not know where to start, do not worry, there are several formulas to calculate if you can face the payment of a home:
Calculate your gross annual income and multiply it by four.
Investment in a home should not exceed the annual gross income of a person (or a family) corresponding to four years. That is, if you multiply your gross annual income by four, you will get the maximum price that you should pay for your home.
You should not be in debt for more than 33% of your income.
Another formulas commonly used in the financial system is the so-called "30% Rule". Under this unwritten rule, the total indebtedness of a person (or a family) must not exceed 33% of their income. That is, the mortgage fee must be at most 30-33% of your salary / income.
However, in this case, the concept of indebtedness does not refer exclusively to the mortgage rate, but also to the other monthly receipts that we may have for other loans and credits. That is, all of our loans must account for at most 30-33% of our income.
Have savings that add up to 20% of the cost of housing.
Experts advise saving at least 20% of the price of the home as a guarantee to know if we can afford it. If you have savings and can pay cash up to 20% of the price of the house, experts calculate that you can cope with the investment, as long as you also comply with the first two requirements of this article.
Grupo Mahersol helps you find the best houses for sale in Guardamar del Segura.
Are you looking for houses in Guardamar? In other areas of the Costa blanca? Take a look at our catalogue. Do not hesitate to contact us if you find something that catches your eye.
Grupo Mahersol is much more than a quality homebuilder and a real estate agent. Our vocation of integral services, our management style and mainly our enthusiasm and motivation, continue to encourage us to satisfy the most diverse and diverse needs of our clients.