Recent content by ZiaPage

The highest-value connection is usually between viewing scheduling and the main contact/property record. If the appointment, buyer requirements, feedback and next action remain attached to the same record, the handoff has a chance of working. If staff must copy viewing notes into a separate...

I would not choose between a friendly conversation and the full ARS 5,622,000 figure until the cost of turnover is clearer. One vacant month plus cleaning or repairs could outweigh much of the extra rent, while a reliable tenant might still accept an increase after seeing credible comparisons...

A practical spreadsheet could use four cases: buy now with no refinance; buy now and refinance after allowing for all exit and new-loan fees; wait and buy at a lower rate but higher price; and wait with neither rates nor prices improving. For each, track the maximum monthly payment, cash...

I’d inspect early-repayment terms before assuming refinancing will rescue the deal. A lower future rate is not useful if leaving the existing loan is costly. Portability matters too if you might move: can the loan transfer to another property, and under what conditions? Those contract details...

I would not automatically deduct the full figure from the offer. It may be a rough total for the building rather than your apartment’s share, or it may cover optional work that changes before approval. First establish precisely what the number represents. That said, a thin reserve is a separate...

I’d start with one blunt test: does the purchase still work if you never refinance? Treat a cheaper future loan as an upside, not part of the affordability case. Then run the payment at 8.19% and at a meaningfully higher rate if there is any reset. If either version leaves no room for repairs...

Before doing that comparison, confirm exactly what “fixed” covers. Is the loan balance denominated in pesos throughout, are the payments fully fixed, and is there any indexation or adjustment mechanism outside the stated 5.73%? Those details can matter more than a modest difference in...

How much cash would remain after moving costs and the first mortgage payment? That matters more than whether the home looks tidy. Include the insurance excess and a realistic allowance for immediate repairs. If that leaves only a thin emergency fund, waiving protection is probably too...