Name: これを見るまで家を買うな! (Don't Buy A House Until You Watch This!)
Uploaded: 2021-01-14T09:22:22.000Z
Duration: 6 min 31 s
Description: VoiceTubeの動画で発音を聞きながら英語表現を覚えよう！学べる英語：

you've been thinking about it for a long time, owning your own home, imagining your your kids growing up in an environment in marriage, and you and your wife, your husband growing old together.

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For most people, buying your home is one of the largest investments they would make in their entire lives and making sure that you get it right now if you have watched my other videos, I talked about the benefits, pros and cons of owning your home when you should.

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Only when you should these, But assuming that you are ready and you're ready to take a leap of faith and you're ready to buy your first house, what are some of things that you should watch out, right?

So don't buy house until you watch this video.

So before you go there and buy your first home, the first tip I want to give you is to make sure that you have consistent income coming in with the banks and lenders.

What they want to see is not just hey, you make some money this year, but next year you know your income stability is not there, especially when it comes to self employed.

That is a risk because they're not so sure.

You may have a Greek first year, but I'm gonna have a great second year.

Still, the stability and consistency off income.

One of things that you could do to know how much a house you could afford.

It's actually to consult and talk to a mortgage broker in your mind.

You may be thinking, Wow, you know, finally, I'm gonna buy a $1,000,000 home.

But after I talked to a mortgage broker and the mortgage broker will let you know Hey, maybe you know the best you could afford based on your current income is actually how's that is $750,000.

So then you have to adjust your expectations, right?

If you need shoes in a different neighborhood, depends on what you like by for some.

It depends on what is your personal preference.

I remember back then when I want my first house in Vancouver.

Because at the end of day is still a very large investment.

And I didn't know a lot of these things I'm teaching you and then I figure out, OK, actually, I need I need some of these things in place in order to buy the house that that I wanted, but to be able to create your dream home now, at the time, it wasn't a very expensive house where it compared to what I have today, but still he was.

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Second tip is to make sure that you have good credit score.

Having good credit is very, very important when it comes to getting your mortgage.

And for some, they don't use credit cards because they don't trust themselves, right?

Immigrants spend all that money again to credit card debt.

But if you use your credit card wisely, you're a master of credit card, not a slave to credit cards, right, and then you use it and you pay off the balance every single month, right?

If not early, you will get better credit.

So if I'm there now, when you need to get a mortgage, you're in a better position to get the loan that you need to get the mortgage that you need.

So if your credit score is above 7 40 chances are you will be able to get their mortgage.

If you're 7 60 then you're in very good shape.

Assuming you have consistent income coming in, Maybe it's a couple.

If it's below 700 then you might have just a little bit more challengers or the bank.

So I know what you're getting yourself into.

Making sure that you have at least two years off tax return.

So again, the bangs and the lenders, they look for that, right?

If this is a brand new job, it would be like I'm not so sure.

If it's a business, it's the same thing they want to see at least two years sometimes to thief 34 years, right.

So consistency to the banks is very, very important because they know they want to know that you're able to pay back the mortgage and pay back the loans, right?

They don't want to fall clothes, you or anything like that.

So before you buy the house, maybe you have the dream home that you want, but definite.

There are other expenses that come with it.

If you get a bigger home in a nicer neighborhood.

Chances are you're gonna spend more money on the furniture.

You're gonna pay more for the homeowner insurance utilities.

Your kids are gonna go to a better school.

Maybe you're gonna shop groceries at whole food versus you know, a typical grocery story depends on the neighborhood.

So never think about Oh, I could afford the mortgage.

Yeah, maybe you could afford the mortgage, But could you before everything else that goes with it Because you buy a very nice home.

Jesse's are You're not gonna put some cheap furniture in there.

All those things cost money, and they could cost a lot off money, especially as a couple, maybe your wife once and things and just a hospital.

So think death through This is a very important decision when it comes to buying your first home so common below.

If these tips are helpful for you, if you have any other questions when it comes to real estate investing also coming below, I'll be more than happy to make other videos for you in the future as well.

But make sure you don't miss out, click on the subscribe button and subscribe to my channel.

As you can see, we are growing very rapidly aiming to hit 10 million subscribers.

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これを見るまで家を買うな! (Don't Buy A House Until You Watch This!)

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