Here's Tips to Buy a Home Without Debt

You need to know that the day of buying and selling price of the house is increasing. This is almost certainly continue to occur, along with the growing number of people and the rampant development of transportation services and public facilities. Thus having one of a variety of such simple minimalist homes becomes difficult for some people. Especially if we have limited funds, then the purchase of houses will be more difficult. In addition to requiring and, sometimes in the process of making homes often appear unexpected funds, whose magnitudes are unpredictable. If you have this, then you are required to find a loan to others so that payment can be paid. This term is commonly called debt.
It would be more beautiful and calm if it can have a private dwelling without having to owe one party. Especially if you borrow funds from the banks that also provide interest. Loans that were originally just a few dollars will increase if the return time takes a long time. In addition, even the debt can not cover your funding needs completely. Debt will only cover part of it and this is of course worrisome. From the psychological side too, you will feel more burdened because it has an unresolved responsibility.
Based on some of these descriptions, it can be seen that buying a home by way of debt is not a pleasant solution. Instead instead gives you new problems that you need to solve. But is there any way to buy a house without having to borrow? Of course there is! Therefore, you need to know tips on buying a house without debt that is safe and true. Here are some ways, see!

Installments without involving the bank

For those of you who want to buy a house but do not want to be indebted and exposed to bank interest, the following ways can be a way out, you know! That is by choosing a developer who offers a home offer without having to go through bank installments. An example is the Indonesian Sharia Property Developer (DPSI), a housing developer association offering mortgages without going through a bank. So the payment process can be done directly to the developer. In general, the repayment process in the form of long-term installments on the usual, but you do not have to worry about the bank interest funds are troubling.

Using KPR sharia

Another way you can do is to buy sharia mortgages. There are several ways that can be done to buy this sharia kpr, namely by murabahah akad akad sale and purchase and also will ijarah bittamlik or lease purchase agreement. In addition to these two options, there are other ways to do so with the musyarakah mutanaqisah or gradual ownership agreement and also akah istishna or akad home financing with the intention of pivot.

Using a phased purchase scheme

What is a phased purchase scheme? That is, if you are interested in buying a house for 300 million, then you will do an agreement with the developer to make the purchase of houses in stages over time. In this example it is for 24 months. Therefore, gradually you must pay a bill of 12.5 million per month. This payment is also outside of other basic needs. Actually this way almost resembles the installment scheme, but the difference is the cash payment period is much shorter.

Purchased with hard cash

Buying a house with cash is certainly a dream of everyone, even so you can also include. can be done with the developer concerned. This method can be said to be very safe to do and avoid you from certain debts will be difficult in the future. Initially, simply pay some advance and make a letter of agreement before it will pay off.

Become a residential salesman

By becoming a residential sales it can open your chances to buy a home without debt. Why is that? Because some of the existing home developers who provide an attractive bonus policy for sales agents, which can be given a bonus fee of how many percent of homes that have been sold. The bonus is big enough and the money can be used and saved to buy a new house.
Home is a basic requirement that must be owned by every person, whether in the form of rental housing, rented house, apartment and so on. But it would be more beautiful if you can have your own home without having to engage in debt that will burden the mind every day. Therefore some of the above tips can help you realize those dreams. Thus are some simple steps you can take as a home-buying tips with no secured debt.