When is the right time for a married couple to buy a house together?

House - When is it time to buy a house together?
@Starline (681)
United States
May 10, 2007 9:35am CST
My husband don't seem to think that eventually buying a house is as important as I think, but for me it represents settling down, and I would prefer paying on a loan for a house before I have children. I guess as soon as you have kids they'll start costing a lot so I'd prefer paying for a house every month and using the rest of the money on the kids and whatever else we need. I think that if you have your first child before buying a house it will be more difficult to start saving up. When is the right time for a married couple to buy a house? When did you buy a house or are planning to? Did you have the same opinion as your spouse on when to buy a house?
3 people like this
21 responses
• Philippines
10 May 07
for me,, it's better to have a house before you get married so, when you are already married you have your own house for you and for you future children..
2 people like this
@Starline (681)
• United States
10 May 07
I think that a lot of couples want to be married BEFORE they get a house because marriage is a promise to live together for the rest of your life, and houses are so expensive that it takes two to pay it off :D
@swapw07 (247)
• United States
11 May 07
I think it's really upon opinion. Buying a house means tieing down and committment. Afterall, unless you are rich you would have to pay mortgage consistantly month after month for most of your life. Unless you are a very settled person, paying mortgage and having a house is not for you. You would most likely want to move around and enjoy life. Obviously your husband is different then you in that aspect.
@Starline (681)
• United States
11 May 07
Both my husband and I are settled people but he still doesnt want to pay for a house, which is unfortunate for me.
• Japan
11 May 07
You can buy the house yourself. Make sure you do something that allows you to fully claim the house if you ever go through a divorce. I'm dating but I make my own plans. I don't like dissappointments and who better to count on than myself? These days most people just let you down.
@evelynlyp (788)
• Japan
11 May 07
I start thinking about owning property even before I graduate. I don't splurge and instead save up what I can to be used for property purchase. After all a little bit is still something. I prefer to own a house. You can do whatever you want with it. You don't have to keep moving. You don't pay rent. Its cheaper than renting. Maybe you can buy a house that has 2 seperate units. You can rent out the other unit while you stay in one unit. I'm sure the rent will cover all your bills and you can put more money into loan payment and so on. Kids do cost a lot. Better to have a house first before you have a child. You will need to build up some kind of fund for the child too. You can even start now. I do wish my parents put aside some money for my education. I would have more choice when I'm picking a degree to enter into.
1 person likes this
@Starline (681)
• United States
11 May 07
I wish that I could own property before I graduate, but unfortunately it wont be possible because Im not allowed to get a loan before I have a salary. And buying a house with two units is a good idea but it would be too expensive too. It seems like it will always be easier to make one for the ones that have money to begin with, for most people its not possible to buy a place thats big enough to rent out a room or even an apartment.
@lucgeta (924)
• France
11 May 07
I would prefer to buy a house after marriage and before the kids. Children alway spend moey, lots of it. The best is to put a large sum in downpayment and finance a small part of it so there will be enough reserve for the kids. If you already own a condo, there is o much need for a house. If you really feel a house with garden is necessary for your kids to play around with lots of space, try selling and buying at the same time. So you could move right in.
1 person likes this
@Starline (681)
• United States
11 May 07
I would love for my kids to be able to play in a garden, I was not able to do that as a child so I want them to have that.
• United States
10 May 07
well me and my husband kinda did everything backwards. when we were engaged 2 months later we found out we were pregnant. that was unplanned. so we ended up having out son first, then getting married 3 months later, and now buying a house after 5 months of being married. i would say yes buy a house before having kids. it does make things easier in the long run! my husband just lets me do all this house planning and stuff. prob. cause i know what im talking about and he gets lost lol!
1 person likes this
@Starline (681)
• United States
10 May 07
wow that's cool,, so within 10 months you got married, pregnant and a house. Your friends' jaws must have dropped. Thanks for the advice.
@Marie2473 (8517)
• Sweden
10 May 07
This sounds like somthing my bf would write *lol* he is the on epushing to buy a house, while I am not really that interested. I would much rather buy and apartment =) However I have agreed that we will buy a house in a few years if the tim eis right later =)
1 person likes this
@Starline (681)
• United States
10 May 07
Buying an apartment is not bad actually, for me the important thing is that you own what you live in. He just doesn't agee.
@soccermom (3200)
• United States
10 May 07
My hubby and I just bought our first house last September. We were married last March, and have our kids already. My whole take on the buying a house before you have kids is this...if you wait to have kids until you can afford them, you will never have any. However, I can understand your logic. Put it to him this way, paying rent is like flushing that money down a toilet every month. It took my hubby and I so long because we were looking for that perfect house, and I had credit issues from a previous marriage. We bought a house that was twice the size of what we were renting, in a great neighborhood with every amenity we wanted and our payment is only $100 more than what we were paying for rent. Tell him he needs to look at havig a home as an investment for your future and your future children.
@Starline (681)
• United States
10 May 07
Maybe I can just tell him that we won't have any kids until we have a house.. hehe. That ought to make him change his mind about not owning a house.
@rosie_123 (6116)
10 May 07
Well I think as soon as possible. Buying a house is THE most important and expensive thing you will ever get in your life, so to, me, it makes sense to get one as soon as possible, because prices rise every day (they never go down!), so the sooner you get one, the more money you save, and the quicker you are on the property ladder. I never see the point of renting - all you are doing is giving money away to some landlord, . At least with a house of your own, it is an investment, eventually it will be yours entirely, and, if things should ever go bad between you and your husband, you can always sell the house and split the proceeds to have a start on your own somewhere.
@Starline (681)
• United States
10 May 07
I totally agree with you.. I just wish that my husband agreed. He is sure there is some sort of a price bubble and that the prices will go down.. which sounds like ludacris to me. I wish that we could buy a house as soon as possible, but right now I'm still a student so it would be difficult. But I'm really eager.
@carlaabt (3505)
• United States
10 May 07
Right now we don't really have any plans to buy a house anywhere in the near future. My husband is military, and we live in base housing, so I'm sure that plays into it. If we were actually receiving our housing money, and then spending it on rent, I might change my mind, but since we never see it right now, it's not a big deal to me. My husband and I both think it would be too much of a headache right now. We're at a base that is 20 miles or so from the closest town. Up until just a couple weeks ago, we were both working on base (now I don't work). It doesn't seem worth it to drive that extra distance everyday. Especially since winters are so bad here. Plus, we are really hoping to not be at this base for much longer, so we wouldn't want ot turn around and sell the house in a short amount of time. If we ever get stationed somewhere where the weather is nicer during the winter, and where the town is closer to the base, we might look at buying a house. We might just wait until he retires, though.
1 person likes this
@Starline (681)
• United States
10 May 07
So if the military pay for your housing maybe you can save up, and like you say buy a house when he retires. Or maybe just spend the money traveling instead.. there are lots of cool places i would like to live at if I had money saved up.
@suspenseful (40312)
• Canada
10 May 07
I would say as soon as you can. If you have the money to put down, look into a mortgage. For one thing, once you start having kids, you will have to pay for their schooling and upkeep, but if you start before you have a family, you already know what you are going to put into it. Of course if you got pregnant on your honeymoon, you are already starting your family. When you consider the rent you pay, and if you have money put aside, eventually you will have equity. When we were married, we rented and a few months later, we said that we did not want that route. I had some money saved as well as my husband, put it down on a down payment, sold that house after a few years, moved into another, etc. etc. kept that up until we now own this house free and clear.
@Starline (681)
• United States
10 May 07
Wow that's a great way to go. I'll try to save up, and force him to save up too. Eventually I know that we'll have enough for a downpayment.
@maddysmommy (16232)
• United States
10 May 07
Well, I dont know if there is a right time to buy a house. In our family situation we have moved two different countries because of my husbands job, so the thought of buying a house is not our on list of priorities right now, even though I would love to own one in the near future. If we decide to remain here in the USA, then I think we will look at purchasing one, but until then, its renting and giving our money away to someone else LOL.
@Starline (681)
• United States
10 May 07
It sucks that you have to rent because it makes it hard to save up. And it's nice to own, even if it's going to be a loan for the next 20 years. I hope that he gets a job where he can stay in one place soon! Maybe you could save up and rent it out until you can move in though.
@maybey (366)
• Philippines
11 May 07
We have planning to buy our own house next year because our savings is not enough for down payment already. Here in Philippines if you want a house loan you need to downpayment atleast 20% price of the house. Yeah if you have a kids its worst to save a money for other expenses.
1 person likes this
• China
11 May 07
i think it`s very necessary to buy a house for yourselve.i agree with your opinion,if you have no enough money to buy a house,i suggest you should prerer paying on a loan for a house,but this depends on your incomes each month.for me ,i think ownself house is the best place.but now i have the similar problem ,i have fell in love a boy,and in the future ,i will face the same problem.
1 person likes this
@mflower2053 (3227)
• United States
10 May 07
as soon as possible. If you look at some of the prices of rent on houses or apartments its the same as buying a house. At least when you buy your house your putting toward paying off your house. The sooner the better.
1 person likes this
@jothis (518)
• India
10 May 07
Buying or building a house is most important thing in our life. I think for a couple the time to buy a hose is before delivering a child
1 person likes this
@mshjv44 (147)
• France
11 May 07
never
@mshjv44 (147)
• France
12 May 07
it should be the husband that looks after his wife and kids if there would be.how can kids cost a lot?even if the has been no marriage the couples form a union.it would be your husbands choice maybe relax remember you love him and find some spiritual and or religious help in yourself.instead of looking around for houses,find out about all the cost there would be for your first child and ways of cutting the costs,buying some of the things secondhand,washable nappies,laundry service for them if you don't wash,internet freebies.
@jaisundar (215)
25 Jun 09
I too prefer to buy an house before the giving birth to the first child. At present we are planning to buy a house nearby our location.
15 Apr 08
Like you I feel it is important to buy a house together. I would not want to have my children growing up in rented accomodation. I would want to offer them security and a home that they can enjoy and not worry if the landlord will let us paint their room blue and pink! I would say there is no 'right time' for a couple to buy a house, a preferable time is before having children. But for financial reasons that isn't always possible. I am planning to buy a house soon but it is worth me biding my time as prices are dropping. I think my partner and I have similar opinions about buying a house, but it is higher up on my list of priorities than his! Good luck and I hope you get the house you want.
• Canada
13 Sep 07
We rented for the first couple of years we were married. The price of houses was increasing rapidly in our area, and we needed a very big down payment to get the type of house we wanted in the area we wanted. We cut our costs as much as possible during those couple of years, and reduced our spending drastically. It allowed us to save up some more money to help boost our down payment. Once we could afford the house we wanted, we went for it and made the purchase. If you're financially ready to buy and care for a house, and have the time to devote to the maintenance of the house, then go right ahead and jump into the real estate market!
@sachin1 (25)
• India
11 May 07
If u deside to have a baby,then it may take large time tat is 5 years.Inthese year u can invest u'r money also.Otherwise after 2 years of u'r marrige u can buy u,r own house.