Diamond Jewelry Buying Guide for Beginner
Oct08

Diamond Jewelry Buying Guide for Beginner

Which women are not amazed when they see diamonds? Formed from carbon content, diamond is the strongest rock mineral. Diamonds cannot break or be scratched, except by other diamonds. In addition, the shape and weight of each diamond must always vary, so the price varies. In fact, some countries have distinctive types of diamond pieces. To make sure that you will get the quality diamond jewelry, then you should first know these things:

• Diamond for investment

The shapes of diamonds are different, some are round brilliant, princess, oval, emerald, and others. For this round shape, diamonds fit into any jewelry. The round shape seems classic, so this is one of the advantages if you buy diamonds for investment purposes.

Raisha explained that round brilliant diamond will be easier to resell because it is the most sought-after and best-selling. If the round, there are 58 cuts where the light reflected by diamonds is increasing, the diamonds look very good and clear.
• Characteristics of a diamond

Well, the value of a diamond contained in 4C, namely Carat, Cutting, Color, Clarity. “Carat” refers to weight, while “Cutting” for diamond pieces. Meanwhile, “Color” or diamond color is determined by the alphabet starting from the letter D.

• How to distinguish genuine vs. false

Unlike most people, Raisha is trained to distinguish diamonds by the naked eye. Because diamonds are formed from carbon, the light reflected by diamonds will only be one light, whether white or gray. According to him, if the colors are reflected in colors, then it could be a fake diamond. In addition, Diamonds always emit light, so you cannot see the object behind the diamond.

If you buy a diamond from a jewelry store, you can request a certificate that guarantees its authenticity and quality, for example a certificate from GIA.

• No need for expensive treatment

One thing that is surprising is the fact that diamonds do not need excessive maintenance. Diamonds must be stored in a smooth place, like cloth pouches. However, keep in mind not to put a lot of diamonds in one container, because diamonds can be scratched or damaged. In fact, holding a diamond with your hands can cause diamonds to become blurry.

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Consider the mortgage and tenor when you’re investing in properties
Oct08

Consider the mortgage and tenor when you’re investing in properties

Many people try to get mortgage approval to make it lighter in buying a house. Ownership of a mortgage agreement makes real estate agents and vendors more confident about the interest and seriousness in buying the house in question. The mortgage will increase the strength in bargaining and prevent transaction failures on a financial basis. Apart from that, you can visit lombok real estate agents
if you want to invest in land and properties in Lombok.

Furthermore, choose the appropriate tenor. The bank offers a variety of tenors, ranging from 5 to 10 years. Tenor availability is based on the ability of different debtors. Choose a tenor that suits your abilities. Don’t force yourself if you haven’t been able to take a short tenor! In addition to home installments, there are various other life needs that need to be met and carefully considered.

That’s it the short and simple tips that we can share with you about property investment. We hope this small information helps you to understand more about it.

In addition, don’t forget the costs you must pay for buying properties

There are several additional costs that need to be met when buying property.

They’re:

1. Fees for Banks

Purchasing with a KPR means that you have to go through the checking phase and complete the files that are definitely paid. The main thing is the appraisal survey cost before buying a house. In general, checking the land certificate and the selling price of the property is based on the current market price.

2. Insurance Fee

Insurance costs, namely Life Insurance (1 – 2% of total loans) and Fire Insurance (1% of total loans).

3. Notary Fees

Notaries are parties who contribute a lot in helping you manage various deeds and certificates of sale and purchase. This notary’s service fee is fully mandatory. The amount of the fee is adjusted to the needs of the buyer. Notary services that can be used include an examination of certificates, credit agreements, name return fees, and Sale and Purchase Deeds, and finally the Underwriting Right Deed.

4. Tax Fees
Tax is an obligation that cannot be missed in a property sale and purchase transaction, either with a mortgage or cash. The tax is referred to as the Land and Building Rights Acquisition Duty.

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