With all the fuss about Kakaako project, new developments in second city, "Kapolei", as a buyer, what is the most important thing even before you go look at houses and condominiums?
カカアコやカポレイの新しいプロジェクトが進む中で、まず買主としてしておかなければならないことは?
We all know inventory is always low in Hawaii. If you happen to find a "Great deal", the unit/house will be sold in a few days. You as a buyer is always competing with other buyers. Then, how can you be really "Ready" to be a buyer who won't miss the unit/house of your choice?
ハワイは常に物件の数が足りず、いわゆる"掘り出し物物件”はすぐに売れてしまいます。買い手が常に売り手よりも多いため、他の買い手との競争が激しいのは常にあるものですが、では自分の好みの物件を逃さない方法は?
Stating the obvious, first and for most, you talk to your realtor and your loan officer(Or your realtor can suggest a good loan officer for you.) to get pre-qualified. What is pre-qualification? It is to prove that you will probably get a loan up to the qualified amount if you take out a loan for purchase. It also shows the seller that you are serious, "Buyer ready" buyer.
まずはご自分の不動産業者に話しをし、銀行のローン担当者に相談していただき(お知り合いのローン担当者が特にいない場合は、不動産業者からの紹介もできる場合があります)、ローンの査定をしてもらってみてください。このプロセスは買い手としては必須で、実際にローンを組む時にこれだけの額まで借り入れができるということを証明するものです。さらにこのプロセスを済ませて物件を探し出す方は売り手にも気に入られ、買いのオファーも真剣に考慮されます。
There are many institutions that can offer home loans. Good ones are always the one who can show you a couple of options and make suggestions. Since it's the biggest purchase for most people, I would recommend loan officers who communicate well with passion and compassion. You as a buyer is also a shopper for loans. Even though it sounds somewhat troublesome, please take time to talk to at least a few loan officers for your loan choices.
ホームローンを提供している所はたくさんありますが、良いサービスのものはいくつかのオプションを提供、提案してくれます。ほとんどの方にとって住宅の購入は一番高いお買い物。私共の会社では情熱と思いやりを持って対応してくれるローン担当業者を紹介させていただきます。住宅の購入は時間がかかるものですが、少なくとも2つ3つの業者と相談されてみてください。
Even though you are not ready to purchase a house right now, it's never too early to start educating yourself.
未だ住宅の購入の準備ができていない方でも、購入に向けての勉強は決して早すぎることはありません。.
Please feel free to ask me how you can get started via e-mail at hitomi808ozawa@gmail.com
お気軽にメールでいろんなご質問お送り下さい。メールはこちら:hitomi808ozawa@gmail.com
Shiryokiya Residential Estate, Hitomi Ozawa (RA)
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