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Everything You Need to Know About Home and Land Packages There are a number of house options that any interested buyer can choose from. One option that will be of advantage to you include home and land packages. A number of builders and real estate agents offer such deals; however, the process of acquiring them is not at all the same. If you intend to get the best deal of this kind of package for your family, then it is crucial that you know what are the different package offers. What are home and land packages all about? As the name literally implies, home and land packages are a combination deal where you are not only getting a house that you will construct but also the ground where you will be building your design. These deals are available no matter your income, and they are also being offered by both builders and real estate agents. Most of these packages are being offered in housing developments, but you can find a single package being offered in certain areas.
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So, what are the different methods for you to obtain this package?
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There are two main kinds of methods that you can select from. The first one is where you should first buy the property before you can have your house built. The second one is where you will be buying a house that is already constructed on the property that is owned by the developer. First option: Buying a property before you can have your house built. If this option is a far better for you, then what you should do is you deposit a certain amount of money and the balance you will have to pay once you are settled. The advantage of this option is that you will not be paying more during stamp duty. If you buy a property where no house is still built, then the stamp duty that you will be paying is only for the land and not the building that you are constructing. You have to be acquiring two loans when you choose this option. The first one is to be paid for the land while the second one is to be paid for the construction of the house and the house itself. When the work progresses, then there is a need for you to make progress payments as well on your mortgage. The major benefit of this option is the flexibility of the design of your house and you will be paying less amount compared with the second option. Second option: Buying a house that will be built on the land of the developer. With this option, there is a need that you give the developer 5% deposit when you have signed the contract. The balance will only be paid when the construction is already completed. You need not pay for progress payments as well.