Buying a home is a process, and not an event. Location is very important when deciding where to buy, but it's clearly a misplaced priority to start thinking about location when you have not yet pre-qualified with your income being checked (budget). It's you're income level that determines where you want or can live and not the other way around (with starting with wishes, dreams, with no backing income to support it).
In line with our cost and tax efficiencies (operational efficiency), we don't discuss specific project locations beyond the details already provided on our website, UNTIL you have demonstrated proof of permanent employment and/or regular net monthly income above GHs15,000 ($1,000) - which can be single or joint/combined total household monthly income !!
If you earn less than GHs15,000 per month, our luxury homes are not for you. But you can review some of the other alternatives if you earn between GHs2,000 and GHs15,000 here.
STREAMLINED SEAMLESS BUYING PROCESS.
You need to be adequately prepared and get educated appropriately about a buying a litigation-free property. Before you apply to buy or contact us, please take note of the following:
TARGET MARKET
DCANS Affordable Luxury Homes priced within GHs1,000,000 ($65,000) and GHs85,000,000 ($5m), are targeted at high income earners, with minimum net monthly income above GHs15,000 ($1,000).
Please don't apply or contact us if you don't meet this minimum income requirement !!
INDEPENDENT FINANCIAL AND/OR LEGAL ADVICE
Because we're very confident of the one-stop property selling platform on offer, we always advise you to seek independent financial and/or legal advice from a qualified professional (lawyer or financial advisor).
Note: It's not every lawyer or financial advisor who understands real estate and construction matters, and it's even better when this lawyer / advisor owns his/her own home (either built or bought).
DIRECT BUYERS ONLY
We sell directly to qualified buyers and not through agents or brokers. We have nothing against intermediaries, but most of them are not worth our time, especially when vast majority of them don't even own their own homes but want to assist others buy one. The next time an agent or broker wants to assist you buy a property, it's ok for you to find out if they own their own place.
An agent or broker can act for you, but he/she/they must be very qualified (experience and expertise), and with a valid power of attorney (POA).
STEPS INVOLVED
Seven(7) easy steps with us, but shortened to five(5) or six(6) steps for returning or repeat buyers, with steps 1 and 3 mostly waived for existing buyers:
STEP 1: PRE-QUALIFICATION & PRE-APPROVAL
If you do a proper self-assessment yourself, based on your your own known net monthly income and remaining active working years before retirement (or bank account balance, in case you're a full cashbuyer), you don't need us to tell you if/whether you qualify to buy from us or not.
The first step in buying from us is for you to complete our pre-qualification and pre-approval process. You first have to apply to get pre-qualified to buy. One-time pre-qualification fee apply (covers proof of employment and/or income checks).
Note: If you are an existing customer of any business owned by The DCANS Group Limited, for which your proof of employment and income have only been done or you're a returning or repeat buyer, you don't need to get pre-qualified again - you can login to this platform using your existing login details to continue from step 2 below.
Why Pre-Qualification?
1. Proof of Employment: At this stage, you demonstrate proof of permanent employment in Ghana or abroad.
2. Proof of Regular Income: Verifiable net monthly income above GHs15,000 ($1,000)
3. AML Compliance: It's straight-forward if you're repaying with your verifiable monthly salary or income, as a public or private sector salaried worker, or registered business owner or entity. Additional AML checks will only be conducted if you have a down-payment not from savings or investments as your legit income sources, and for full payment buyers.
4. Maximum Purchase Price (MPP) Computation: Based on your verified net monthly income and your remaining active working years we compute your maximum purchase price (MPP), a figure that guides us in scheduling viewing that your income qualifies you for.
5. Operational Efficiency: Guarantees that we only allocate our resources (time, personnel, energies, etc) for pre-qualified prospective buyers, and not just mere talkers (talkshop).
STEP 2: SELECT / IDENTIFY PROPERTY
You cannot come to step 2 until you have completed step 1. Once you have been pre-qualified, you can login with the valid details we will provide you via email. After login, you can then view the details of some of our property options: The DCANS Property Group offers both move-in ready (new-build or pre-owned) and off-plan buying options.
Our platform allows you to select any qualified property within your buying capacity (computed maximum purchase price), outside of our own in-house portfolio and submit to us for approval and acquisition on your behalf.
STEP 3: IN-PERSON VIEWING
You cannot start step 3 without completing step 2. Viewing is only scheduled for the development or properties you successfully reserved in step 2 above that your verified net monthly income qualifies you for (Maximum Purchase Price).
In the nutshell, access to our digital listings (inventory) and in-person viewing is only available to pre-qualified prospective buyers. The direct buyer is preferred to view in-person. However, they can always send their appointed representative (with a power of attorney) to view on their behalf.
You're not under any obligation to proceed to buy any viewed property, unless you want to if you're satisfied with it.
SHOW HOMES
Aside the projects we develop for sale, we also develop not-for-sale fully furnished show homes for relevant physical viewings.
STEP 4: RESERVATION
Once you're satisfied with any viewed property and want to buy it, you simply complete our reservation form online here.
No mandatory reservation deposit applies when buying from us. Our built-in direct mortgages has 100% financing options, subject to pre-qualification compliance.
STEP 5: OPTIONAL RESERVATION DEPOSIT
It is not required that you make any reservation deposit after viewing, when the completion is below 50%. Neither is it compulsory to make any reservation deposit until your unit is ready for move-in. Learn more about our No Reservation Deposit.
Hard-built into our buying process are multi-layered protections for the buyer, including we not relying on the prospective buyer's payment(s) to start and/or complete projects, offering 10yr newbuild warranty, providing up to 30yr direct low-rate mortgages.
STEP 6: FINANCING OPTION CONFIRMATION & PAPERWORK SIGNING
Built into our one-stop DCANS Affordable Luxury Homebuying Process, are direct financing options: Direct Mortgages.
Our affordable luxury units are mainly delivered on off-plan basis (but with move-in ready options sometimes available) but with no construction financing from the prospective buyer.
Note: 100% LTV direct mortgages only available for off-plan properties, but 80% LTV is the maximum for move-in ready units.
STEP 7: MOVE-IN
Once your viewed unit is ready for move-in, you will be alerted, and you can choose whichever date you want to move in. We do a final walkthrough at this stage and hand over all relevant property documentation (including appliance instruction manuals) to you.
This last stage usually happens at the same time as signing the paperwork in step 6 above.
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