Celebrating National Homeownership Month with CCB!

全国自有住房月快乐! 在建行, we believe that homeownership is a milestone worth celebrating. Whether you’re dreaming of owning your first home or looking to upgrade, this is the perfect time to take steps toward making that dream a reality. Here are some essential tips to help you determine if you’re ready to buy a house and how to decide what kind of home best suits your needs.

你准备好买房了吗?

• 金融稳定: 评估你的财务状况. This includes having a steady income, a good credit score, and a manageable level of debt. 在建行, we can help you review your financial situation and determine the best mortgage options for you.

• Savings for Down Payment and Closing Costs: Make sure you have enough saved not just for the down payment, but also for closing costs. CCB will work with you to explore the best possible options to meet your needs!

• 应急基金: Beyond your down payment and closing costs, having an emergency fund to cover 3-6 months of living expenses is crucial. This fund will provide a cushion in case of unexpected expenses or changes in your financial situation.

• 长期的承诺: 考虑你的长期计划. Are you ready to stay in one place for at least 3-5 years? Buying a home is a significant investment and staying put for a while can help you build equity and avoid the costs associated with moving frequently.

决定你想买什么

• 位置，位置，位置: 决定你想住在哪里. Consider factors like proximity to work, 本地学校的质素, 附近的设施, 整体生活方式. Visiting potential neighborhoods can give you a feel for the area and help you decide what’s important to you.

• 住宅类型: Think about the type of home that suits your lifestyle. Do you want a single-family home, a townhouse, or a condo? Each type has its pros and cons in terms of maintenance, privacy, and amenities.

• 必备vs. 值得拥有的功能: 列一张清单，列出你必须拥有的东西.g., number of bedrooms, a big backyard, modern kitchen) versus nice-to-haves (e.g.(一个游泳池，一个完工的地下室). This will help you focus on homes that meet your most important criteria.

• 未来的需求: 考虑你未来的需求. 你打算要孩子吗? 你需要家庭办公室的空间吗? Think about how your needs might change in the next few years and look for a home that can accommodate those changes.

建行如何提供帮助

在建行, we are committed to making your home buying journey as smooth as possible. Our entire team is here to provide you with personalized guidance and support every step of the way. From pre-qualification to closing, we offer a range of 服务 tailored to your needs.

Celebrate National Homeownership Month with us and take the first step towards owning your dream home. 今日联络建行 and let us help you turn your homeownership dreams into reality!

CCB will be holding a FREE first-time home-buyer’s seminar on June 24 in our 莱克伍德,纽约 branch. 欲知详情，请按 在这里.

全国自有住房月快乐 from all of us at CCB!