Moving to a new home can be expensive. If you’re renting you have to come up with the first month of rent and the security deposit, as well as any pet fees you may have to pay. If you’re buying you have to have a solid down payment to get a loan. The last thing you want to have to do is spend even more money. However, there may be things you need to furnish your new home. Luckily, this process can be made easier with the help of lease-purchase programs.
Lease-purchase programs are a great way to get what you need when you need it. Dropping another large sum on home furnishings might be too much of a financial strain when moving, so finance options can really help out. Here are some items that you can lease for your new house:
1. Electronics
Around 75% of people in America own a laptop or desktop computer, but what if you don’t? What if you broke your TV during the move or you finally have room for a bigger one in your new home? Financing electronics can help you buy these items without having to spend a large sum right away. You can get the new laptop you need or the surround sound system you want.
2. Heating and Air
HVAC financing is a good option for someone who just bought a new home. Owning a home means that many of the maintenance responsibilities now fall to you. If you move in and your AC or furnace needs to be replaced, it can be expensive to do. Luckily, there are lease-purchase programs available for these items so you don’t have to freeze during the winter or sweat during the summer.
3. Furniture
Something that can really add up financially is new furniture. A living room set alone usually costs more than $1,000. However, this is a common category on which both renters and owners have to spend money. With the help of furniture financing, you can get everything you need without having to stress.
4. Appliances
Once again, when you buy a home you are responsible for fixing what breaks. This includes the appliances. Property management companies will generally cover it if your fridge goes out, but if you’re a homeowner you’re likely on your own. Appliance financing can take the financial load off and allow you to get a new fridge or oven that works.
You might have some concerns about choosing to lease these items. Maybe you don’t have the best credit and you’re not sure if you will be approved for them. Fortunately, bad credit financing and no credit needed financing are available. You can get the items you need and even work on rebuilding your credit as you pay them back.
Lease to own programs are a great choice for many different people. Remember to only buy items you know you can afford to pay back over time and try to keep some money in savings in case you ever get behind on payments. With these tips, you can lease any of the above items stress-free and create the home of your dreams.
