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Ask for three separate estimates: acquisition, annual holding and eventual exit. For every line, request the amount or calculation basis, who pays it, when it becomes due and whether it is mandatory or optional. The ownership route should be settled first; otherwise the notary, registration and...

The difficult constraint is choosing a comparison horizon when your plans may change. I’d run the Jakarta quote twice: once to the likely sale or refinance point, and again through the full 15 years. For each version, include upfront charges, fees added to the loan, interest, the remaining...

For a manageable shortlist, keep one row per apparent unit and note the listing reference, building, asking price, stated area, date seen and current status. Put suspected duplicates beside the main entry rather than counting them separately. That exposes whether the same photos and details are...

Also, what does “needs updating” cover, and have you separated apartment repairs from anything connected with the serviced operation? If you ask for 13% off because of the condition, then seek another large repair credit after inspection for the same visible items, the seller may see that as...

Thirteen per cent below is not inherently insulting, but 24 days on the market alone does not give you much leverage. Present it as the price you can support, not a verdict on the apartment. Include the limited completed-comparable evidence, known updating costs, financing proof and a reasonable...