I am working as a part time real estate consultant in one of the best developer here in our place. I had met already a lot of possible buyers and sure buyers who had different views when it comes to the method of payment they want to do when buying a property either only a lot or a house and lot. Some of them who had already the money and the budget want to pay a lump sum amount because they do not want that every month they will not be bothered anymore thinking of the payment. While others just want to make a reservation fee first then will pay the down payment on an installment basis before starting to pay their monthly amortizations either through inhouse financing or bank financing schemes. It depends upon the buyer which terms of payment they are comfortable doing based on their capacity to pay. Since it is your first property that you are going to buy you should make the right decision regarding your options with the terms of payment that you can afford to pay.
If this discussion is about buying investment properties, then having been a successful Realtor for many years (retired from real estate two years ago), putting as much down as possible for each investment property. Investment properties are typically income properties and you want to have as much equity as possible to reduce mortgage obligations and increase available funds for management of the property and it's maintenance costs.
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