1 did not make the budget
If you buy a house beyond the actual price range , you can make other important investment is damaged, such as pension insurance, investment in children's education , etc., do not talk about other entertainment expenses. Mortgage brokers will usually tell you to "borrow" how much money , but this is often not the amount you can " bear " amount. If you have several children , or your favorite travel comparison , how to do it ? Therefore, we should consider buying a house will give us much impact Huaxiao month , we must consider the entire months of detailed expenses. Therefore, most experts will recommend a family's total debt should not exceed 36% of their total income .

2 Choosing the wrong mortgage
Many buyers are busy looking for a mortgage can be solved with financial institutions , because sellers tend to consider that the mortgage has been PRE-APPROVED buyers , thus ignoring their various mortgage options. We can choose to floating interest rates , short-term and long-term fixed-rate fixed-rate , then their is a big difference . But remember that a short-term mortgage monthly repayment must be high and long-term mortgage , a 15-year mortgage monthly repayment mortgage than 30 years about 25% higher .

3 Select the wrong community
Some areas prices are very expensive, so we want to buy those affordable houses , but this is not to say that we want to buy the cheapest house . The real estate sector 's famous quote "LOCATION, LOCATION, LOCATION", shows the importance of place . If this area is not good, you will not only unhappy , but in the future will be difficult to sell a good price. So you want to see and hear more , to understand what community resources to provide what services. Do not forget the school to inquire about some of the test scores ranking to university ratio , teacher ratio , and so forth , more and nearby some parents chat .