You need to have a plan before buying a house. It cannot be done on a whim. It is important to focus on certain factors such as income, ongoing commitments, and what you are comfortable paying out. Be honest to yourself about what you are looking for and can affiord.
More savings you have, better it is! How much you will end up paying will totally depend on the amount of deposit you are going to put down. Make a habit of keep savings so that it will be easier to manage your financial affairs.
Do not wait to buy a house until your dream home comes true. Instead, find a house to buy that you should be able to afford and you can build yourself up from.
Talk to the experts in this field who will help you understand available options, rates and best time to buy.
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