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Buying Homes



We take the buying process as seriously as our buyers do, therefore we offer nothing but the highest quality of service to our clients. When you decide to purchase your home, make sure you hire someone whom you can trust and someone who wants to earn your business. Buying your home is one of the most important purchases you will make, so make sure you have the right Realtor who can provide you with the experience and the service you deserve.

Here are some of the steps I will take to find your perfect home:

Determine Your Wants and Needs
This is the single most important step. By asking you a series of questions I will establish what you are looking for. My goal is to not waste your time by looking at properties that are not in your price range or homes that don't meet your needs. Throughout the buying process I will maintain your confidentiality and represent your best interests.

Help You Get Pre-Qualified
This step will show you how much you can afford.  This is accomplished by speaking with your financial institution and establishing what monthly payments you will be comfortable with.

Home Shopping
We will use every available method to locate a property that matches your search parameters.  This will include properties listed with our office, offered through other real estate companies, as well as unlisted properties.  We will disclose all known facts about the property that are likely to affect your decision. When we find the home that meets your criteria, I will assist you in writing an offer and act as a liaison between you and the seller.

 

 

 


The Buyer's Guide ----- Do it the Pinnacle Way...


 Pinnacle's Buyer's Guide

This guide is to help your property buying experience anywhere in India, if not the world. It is for use whether or not you are working with a real estate professional and designed to save you time, money, and stress.

 

ABSOLUTELY CRITICAL to all purchases is your due diligence, your duty to yourself to thoroughly assess your investment to be. INSPECT AND VERIFY all possible aspects and representations of the property. BE CERTAIN YOU HAVE RECEIVED ALL REQUIRED DISCLOSURES ABOUT THE PROPERTY AND UNDERSTAND THEM BEFORE SIGNING AND RETURNING THEM TO THE SELLER / BUILDER  OR YOUR REALTOR.

 

1. Examine your motivation to buy.

2. Do as much groundwork and investigation of the property as possible yourself. Get market statistics and sales records for the general area or locality that you are considering buying in so you know how things (prices, conditions, list to selling price ratios) stack up in your neighborhood. Allow yourself room to move inside your agreement; ideally all points of negotiation are settled before both you and a seller/developer sign your final agreement AND there will be many small issues that will arise inside of your transaction that you may need assistance with from the seller/deveoper. Beware the seller/developer that makes no concessions and will not compromise in common sense and fair ways.

3. Trust your own opinions and feelings about the buying process, the property, and the people you are working with.

4. Seek counsel from qualified real estate professionals; evaluate advice carefully. Take any opinion with a grain of salt; everyone has his or her own agenda. We all (people and professionals - ideally of the same species) make mistakes and can miss details; it is crucial that you ask all and any questions that you have no matter how small or stupid you may think the question may be. Do not be afraid to point out details that you think someone in your employ may have missed and ask about them. Remember that the professionals are still (hopefully) learning, too.

5. Obtain pre sanction  financing before you start your property search; you'll probably save a fortune. Shop for your home loan and dont hesitate to haggle for the best interest rates

6. Think of the long term, short term, big and little "picture."

7. Visualize failure (not getting the property you want or getting it and then finding out that it's just not going to work) for worst-case-scenario exploration, then create your success.

8. Talk with the neighbors, take your time, work with people around whom you're comfortable.

9. Have fun.

10. Expect the unexpected.

11. Consider (your) resources, population growth, local, regional, and global trends.

12. Be prepared to take risks.

13. Remember: you are only in control of yourself - or not - and there are many conditions and circumstances in the buying process completely out of your control; accept these and sleep better.

14. Create and maintain goodwill.

15. Ask lots of questions.

16. Choose your service providers carefully.

17. Notice all Aspects of your shortlisted property in details; open every door, window, cupboard/s, cabinet and look inside carefully. Turn on every switch, check every electrical outlet. Examine all plumbing points. Dont be ashamed to ask zillions of questions to the owner/s. It doesnt make you look ignorant or stupid. You are going to invest your life savings in that property after all. So dont take chances.

18. Specify in writing exactly what personal property or furniture and fixtures are included with your purchase and make sure that it's there before you close your transaction. Collate Inventory when you take physical possession.

19. Purchase Home Insurance, even if it is not mandatary. In case of natural calamities / unforseen circumstances, you will thank yourself for this and save a fortune.

20. Examine all documents very carefully and be sure that language cannot be interpreted to your disadvantage.

21. Do what you agree to do; act according to the terms of your contract. Similarly, pay very close attention to what people say and even closer attention to the written word; fortunately or unfortunately in India, spoken words do not hold water when it comes to real estate transactions. So read read read before you SIGN

22. Stay on the ball; remember your goals.

23. Be prepared to walk away from any transaction and move on to the next (and probably better) opportunity.

23. Avoid hostility. There is absolutely no reason for you or anyone to accept rudeness or abuse. You want to do business in a positive environment; negative and hostile clients are often litigious (meaning they will sue you if they can) and will bring you more grief than anyone deserves.

24. Ask for references.

25. Work to obtain and bind insurance coverage on your prospective purchase as soon as possible. Dont wait for you to move in to the apartment till you take out that policy.

26. Be patient - and firm.

27. Celebrate your successes!

28. When you buy a property that has tenants that need to move out before you move in, make sure that your contract calls for the tenants' possession of the property to be terminated before the seller gets paid and your transaction closes.

29. Contact MUMBAIPROPERTIES for advice.

30. Listen, listen, LISTEN.... Pay close attention to all of what you hear... Actually, pay close attention to all of your sensory input from property, people, papers and professionals... Does the property give you good vibes? Do you like the surroundings ? How about the Neighbours ? Hows the Traffic like on that Road ?  Does it smell good when you enter that home ? Follow this excercise in Sensory Perception and you are sure to learn so many new things.

31. Send me an email about what you think Buyers need to know. We would love to update this list and share with all prospect buyers. Email us at ram@mumbaiproperties.com

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Pinnacle Buyer's guide
This guide will make your buying process much more easier.
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