00:00I would start with the issue of doing the math, the issue of knowing what my real capacity is, and not just wishful thinking.
00:05up in the air, as we say in Colombia.
00:07So it's a matter of doing the math, no matter what, knowing how much I can count on for a down payment or how much
00:13I can gather over time,
00:14Because it doesn't necessarily have to be for today. A purchase process can take time, and I need to know how much I can borrow.
00:22the bank.
00:23Having clarity in the budget is essential, because if I also start paying a deposit or getting involved in a project
00:27that I cannot fulfill,
00:29The only one who will be harmed is me, or because the construction company will say to me, "Hey, you made a commitment."
00:33And you didn't keep your promise,
00:34You lose everything you've given up to this point, and you'll be better off leaving me with more.
00:37Or the person will also tell you, "Hey, you're not keeping your promises, so we have to cancel the business."
00:41back,
00:41But I'm also going to charge you the deposit. So, doing the math is extremely important to avoid risking your assets.
00:47That would be the first piece of advice. The second piece of advice, really, at this moment, and especially at this moment,
00:53Evaluate both used and new housing very carefully, because for me, used housing has a huge advantage.
00:59We're talking about this moment. If you ask me in two years, I don't know if the answer will be the same.
01:04But at this moment, that would be my second piece of advice.
