4 posts
A first-home buying guide on what to let go of first on a limited budget (new-build, size, school district) versus what to never compromise on (transit access, liquidity, payment burden), plus a practical funding strategy.
Calculating actual LTV/DSR limits, clearing existing debt, uncovering hidden costs like acquisition tax and broker fees, checking your monthly payment capacity and emergency funds, and navigating contract clauses and government loans — 6 reality checks every first-time homebuyer must do before signing.
Why real estate study always fizzles out, and a 4-step, no-burnout study routine that starts with a price map instead of memorizing legal terms. Covers picking a target neighborhood, running the loan math, on-site visits, and reading a property register.
A 7-point checklist for a home that defends its value even in a downturn: commute distance, sunlight and south-facing exposure, noise and floor insulation, water pressure and leaks, school zones and neighborhood amenities, and maintenance fees.
