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Design Vs REALITY

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Building vs buying a house in South Africa; which is the better option. Here, we take a look at the pros and cons of each approach.

Cheaper to buy or build: A rundown of the costs
Once you add up all the costs, which approach is going to make a bigger dent in your financial resources? Data shows that building a home costs 20-30% more on average.

It shouldn’t come as a surprise to anyone that building a new home is more expensive.

However, in the long-term, it can save money by:

Eliminating the need for costly renovation..
Saving on maintenance costs.
There’s no need to pay transfer duty.
Tax benefits, such as the ability to claim depreciation over the next few years.
A newly constructed home will be more energy-efficient.
A new home will also be more valuable, thanks to a more modern design. Adding a garden can significantly increase the expense of building a home, but will provide a dramatic boost to its value, especially in an age where people are spending more time at home.

Other factors to take into account
Aside from the costs involved, there are additional pros and cons to each approach. We provide an overview to help you make an informed decision:

The advantages of buying an existing home

An established property will usually be located closer to a city center than a new home (vacant stands are rare in inner-city areas). This means it will be close to schools, public transport, work opportunities, and restaurants.
An established home may already have a garden, and even a swimming pool; things you’d have to pay through the nose for in a new build.
Buying an established home is a quicker process, usually taking around three months to secure the home loan, pay the deposit and present attorneys with necessary documents.
You can employ the services of a home loan comparison service to help you secure the best deal on your home loan.
There can be profit in flipping houses, meaning you buy an existing property and fix it up before selling it at a higher price.
The complications of buying an existing home

The home may be located in an older building, which may not be sufficiently energy-efficient. In fact, it may not be well-suited to the current world of tech at all.
The home will feel “lived-in”, which can be a turn-off for people looking to start anew with their family.
Older properties can be sold ‘voetstoots’ without a warranty.
If you take too long to secure financing for the home after signing the offer to purchase, the seller may activate the 72-hour clause, which allows them to accept an offer from a different buyer (provided they give you 72 hours notice first).
The advantages of building a new home

You can build a modern home that is more tech-friendly.
The feeling of knowing you and your family will be the first to live in the home.
There’s less competition for buying a plot of land and building a home on it than there is for buying established homes.
Designing and building the home yourself will strengthen your feeling of ownership over it. The stories you’ll share with your friends while you’re enjoying a cold one around the braai become more real, and you’re passionate about them because you were involved in the process.
The complications of building a new home

New homes take months to build and can involve a number of delays and complications.
You may need to rent a property to live in while your new home is being built.
Getting a loan for building a home
If you decide to build a new home from scratch and need finance to do it, you need to apply for a building loan. The process is similar to applying for a home loan, requiring a thorough evaluation from the bank that includes checking your credit record.

However, in this case, the funds are paid to the building contractor, and the bank retains the final payment until construction is complete.

Of course, if you choose to buy an established home instead, you’ll have to apply for a home loan.

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