Buying a home is one of the big milestones in life, but here’s the thing: most people only look at the price of the property itself. What really catches buyers off guard are the extra costs that come after the excitement of “I’ve found the perfect place.”
If you understand these costs early, you make smarter decisions and avoid stress later.

Let’s break it down.

1. Survey and Documentation Fees

Before anything else, you need proper documents to prove ownership and avoid future disputes. This usually includes the survey plan, deed of assignment, and other registration documents.
These fees vary based on location and land size, but they’re essential. Skipping or rushing this step can cost far more later.

2. Legal and Agency Fees

A property purchase isn’t complete without legal clarity. Lawyers handle verification, draft agreements, and ensure what you’re paying for is genuine. Agents help you navigate the market and negotiate correctly.
Buyers sometimes overlook this part because “the house looks fine,” but legal work protects you from fraud, encroachment, and hidden liabilities.

3. Development or Infrastructure Levies

If you’re buying land or a home in a developing estate, you’ll often pay a development levy. This covers roads, drainage, streetlights, gatehouse, and other infrastructure.
Think of it as funding the growth of the neighborhood you’re buying into. It’s a cost most new homeowners in estates don’t see coming, but it’s a standard part of building a functional community.

4. Service and Maintenance Fees

Living in a clean, secure, and well-organized estate comes with ongoing services. Security, waste disposal, landscaping, facility management, even electricity for common areas — all these require service fees.
People sometimes assume these fees start “later,” but many estates collect them from the moment you take possession of your property.

5. Utility Setup Costs

This is another subtle one. Setting up electricity, water, and waste systems often requires initial payments or activation fees. Even prepaid meter installation, water connection, or internet setup can add up.
They seem small individually, but together they can shift your budget if you didn’t prepare for them.

Final Thoughts

Buying a home isn’t just about the selling price. When you understand the full financial picture, you make clearer decisions and avoid unnecessary surprises.
At Uraga Real Estate, the goal is simple — help you navigate every step with confidence, clarity, and peace of mind.

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