(Original Article Written by Juboy – Straight Talk Fi Every Jamaican Dreamer)
1. “Mi Tired a Pay Rent!”
Tell mi if mi lie – how much time yuh pay landlord rent an memba seh dat money coulda go inna yuh own yard?
Whole heap a Jamaican work hard every month, an yet, di dream fi own a house look far like moonlight.
But hear mi now – H&L have affordable home start at $4.1 million, an if yuh move smart, yuh can turn di key fi yuh own door faster dan yuh think.
2. Why Owning Now Matter Di Real Story
Right now, land an house price a climb like ackee tree inna July. If yuh wait pon “better time,” yuh might end up buy a smaller house fi more money.
Di bank a tighten up pon mortgage rules, cement price a go up, an every year yuh wait, di 4.1 mil house a go look like a steal weh yuh miss.
3. “Mi Hafta Rich First”
Plenty man an woman tink seh dem need big deposit or high-paying job fi own home.
Truth is, wid proper plan an knowing di right route, even average-salary worker can step inna mortgage.
Di next myth – “Cheaper house mean poor quality.” Nah, some a dem H&L unit well solid, just smaller an in developing area.
4. How Fi Step inna Yuh H&L Home – Juboy Method
Step 1 – Know Yuh Budget
Sit down an check how much yuh really can pay monthly without mash up yuh grocery money.
Step 2 – Check Mortgage Option Early
Visit NHT, credit union, an bank same week. Get di rate, know yuh approval amount before yuh start dream too big.
Step 3 – Target di 4.1 Mil Unit Fast
H&L affordable unit sell quick-quick like festival pon Grand Market night. If yuh see it, lock it in wid holding deposit.
Step 4 – Sort Out Extra Cost
Remember legal fees, valuation, moving cost. Nuh lef dem fi last minute shock.
5. Expert Yard Insight
Mi reason wid one real estate bredren weh deal wid H&L sale before. Him seh di people weh get through quick usually:
-
Already have pre-approval letter
-
Nuh fight fi “perfect” location, but buy where infrastructure a grow
-
Understand seh small start can upgrade later
6. From Rent Fi Own
Shanice from Portmore was paying $65,000 rent monthly. She link H&L, find a 4.1 mil two-bedroom inna Clarendon. Within 8 months she move in, mortgage $49,000/month. She seh, “Mi nuh care if mi haffi travel likkle more, mi deh pon mi own tile now.”
7. Mistakes Fi Avoid
-
Wait pon “perfect time” – House price nah wait pon yuh.
-
Skip inspection – Even affordable house need check fi minor repair.
-
Nuh budget fi hidden cost – Lawyer fee an transfer tax sneak up pon yuh.
8. Who Dis Nuh Work For
If yuh job unstable or yuh already deep inna debt, might haffi clear dat first. Mortgage need steady payment – di bank nuh play.
9. Juboy 5 Step
-
Check yuh NHT status
-
Clear up bad credit
-
Get pre-approval letter
-
Identify available H&L unit
-
Lock in deposit an sign agreement
10. Time Fi Stop Rent an Build Equity
From $4.1 million, H&L affordable home can turn yuh from tenant to title-holder.
Every month yuh delay is another month yuh paying fi somebody else retirement.
Time fi pay fi yuh own future.
11. Juboy Challenge
Share dis wid one friend weh always seh, “Mi soon buy house.”
Tell dem, “Soon” nuh build equity – action do.
Post a Comment