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Ideally, this takes a sizable chunk out of the purchase price. Let's say you're living in the home for 3 years before deciding to purchase it. The purchase price is $300, 000. Your monthly rent is $1, 650, and $300 of that goes toward the down payment. By the time the lease expires and you're prepared to purchase the house, you've already given a $10, 800 down payment over three years. That's nearly 4% of the original purchase price, knocking it down to $289, 200. How the purchase price of the house you're renting to own can vary as well. Some contracts stipulate that the purchase price will stay what it was when the initial contract was signed, while others have it be the market value of the house at the time of purchase. Some contracts eschew each of these for a different method entirely, having the purchase price go up a certain percentage every year of the lease. Rent-to-owners can decide to buy the house any year of that lease. There are generally two different types of rent-to-own deals: a lease-option agreement and a lease-purchase agreement.
The bill also places the financial impact of choice upon GovGuam employees and not taxpayers. "My reason for introducing this bill was simple: to grant those suffering the choice to pick their own doctor, to decide what is best for them and their families, " said Senator Jose "Pedo" Terlaje. "This bill is important for so many people to ensure many families have the best healthcare plan available to them, including our greatest generation, our manamko'. "I recognize the financial challenges we have right now and that is why the bill has safeguards to ensure it will not impact next fiscal year's budget and shifts the cost away from taxpayers, " said Senator Jose "Pedo" Terlaje. "It is a fiscally responsible choice. "
