Many people dream of having their own "home". But building a house we have more details and steps than buying a housing development. Because the owner must proceed from beginning to end. That why many people give up on this. So, before you dream of building a house on your own land, let look at what you must do.

To build a house, you must have your own land first

Building a house, the title of ownership in the title deed should be the name of the person who will build the house. Because it will make it easier to request permission. Including applying a loan will be easier than building a house on someone else's land which has more complicated details. If the land is the name of parents, relatives, to make things easy, you should transfer it to your name first. But if it cannot be transferred for whatever reason, the owner of the land named in the deed must also be involved. Making it difficult to submit requests for building a house and apply for a loan. The best way is a person who wants to build a house should own the land himself.

Find the right home style

To choose the right home style, many people take a long time and can be years. Some people may choose to buy a house plan blueprint that is commercially available. Which is available in a variety of styles and budgets. The advantage is that the cost of construction and materials used can be assessed. Making it possible to control the budget and be quick and convenient. Some people may choose a free house plan blueprint form of government that is available to download online. It can be submitted to apply for a construction permit. But if still cannot find a pleasant design, can hire an architect or a home design company or sometimes the construction company also provides house design services for the owner as well.

Requesting permission to build a house

Even though building a house on our own land, the request for a construction permit must be made at the district office that the house will be built. To make the request must have a title deed showing ownership. If the person who will build the house is not the landowner, there must be evidence of consent to build a house in the land. There must be a house with an architect and a supervising engineer signing and a construction permit from the district office. There are construction forms prepared by architects and engineers. The details of the construction must show the layout of the whole area. And show the details of various layers Including every picture showing with all the information on architecture and engineering. There must be a calculation list of structural engineers as well. Finally, there must be a document showing the construction supervisor which must be an engineer and mostly the designers often sign as supervisors when applying for a construction permit. And when the construction permit is issued, it may change the engineer who controls the work to another person instead, which is usually the owner.

Choose a contractor that will not neglect us

I found a skilled contractor, trustable, not neglecting work It is very lucky. But if getting a poorly skilled contractor and abandon the job will be sad. This step will directly affect the building of our home. Even if it takes a long time, the owner must take time and choose carefully. We should find many contractors to compare prices, materials used, construction time. Including going out to see the past works of each contractor. If possible, talk to the previous hirer about how the contractor was. Which will enable employers to compare the pros and cons of each contractor better? Importantly, at this stage, contractors must submit a quotation. With a list of materials to be used for the hirer. Don't rush to sign a contract because if signed but the bank does not approve the loan, we will lose the money. So, you should wait until the bank approves the loan. I gradually signed a contract with the contractor.

Apply for home loan mortgage

Preparation of documents the same as general loans: a copy of ID card, copy of house registration, payroll slip, copy of payroll account for the past 6 months, salary certificate, copy of deposit account. In addition, they must have papers about the construction of the house. Both house plans permit before building, drafting the construction contract with the contractor, the land title deed. This process can take a while. In applying for a loan, there should be a few banks to compare interest rates, the loan amount to be received and promotions or benefits that each bank will offer to the borrower. Once the loan has been approved before signing the loan agreement with the bank. The bank may request to consider changing the contract regarding proper payment of work to prevent the borrower from losing. Usually, the bank will pay the borrower in installments after the completion of the work only. Will not pay as a lump sum to prevent borrowers from using money on another thing rather than house construction.

Must have cash

Get a loan to build a house, the bank will not issue payment to us before the construction, so we must start the construction and pay by ourselves first. And the bank will pay the money back to us to come forward for further construction. Therefore, the owner should have cash about 20-30% of the value of the house to be constructed. Which sometimes some contractors May request a cash advance before construction, such as adjusting the area, planning, creating a camp, workers, digging to lay the foundation of the structure. Therefore, the owner may have to reserve some money before the bank pays the completed work.

Completed houses Are obliged to notify the registrar

When the house is finished the landlord is obliged to notify the local registrar.
To request the house number within 15 days from the date of completion.
If not reported as scheduled, there is a violation under the law with a fine.
And when having the house number already, the owner of the house will be able to contact the water request for electricity and the water supply.

Now you see all the steps to build our own house on your own land. Don't be discouraged! You must have commitment and patience. Building a house on your own land will be no longer a dream.