₩1,732,000,000 is the number making us question whether accepting this 4-bed Seoul apartment was sensible. We searched for months and the offer has now been accepted, yet the commute, dated interiors and monthly payment feel more serious now that the decision is real. No new problem has emerged, and the usual checks are still pending.
I am trying to separate items we can postpone from commitments we cannot easily undo. Furniture can wait and cosmetic rooms can remain as they are. The mortgage, service charges, insurance exposure, moving costs and any essential repairs cannot. Our calculation also needs to leave the emergency fund intact after the first payment and any insurance excess.
If those fixed costs still fit with a realistic buffer, we may proceed subject to the inspection. If the inspection reveals significant work or the buffer disappears, that would be a reason to reconsider rather than dismissing the concern as nerves. What figures or findings would you verify at this stage? For South Korea specifically, please separate legal requirements from personal comfort rules.
I am trying to separate items we can postpone from commitments we cannot easily undo. Furniture can wait and cosmetic rooms can remain as they are. The mortgage, service charges, insurance exposure, moving costs and any essential repairs cannot. Our calculation also needs to leave the emergency fund intact after the first payment and any insurance excess.
If those fixed costs still fit with a realistic buffer, we may proceed subject to the inspection. If the inspection reveals significant work or the buffer disappears, that would be a reason to reconsider rather than dismissing the concern as nerves. What figures or findings would you verify at this stage? For South Korea specifically, please separate legal requirements from personal comfort rules.