Buying property is often the project of a lifetime. Much to pay attention it deserves and proceed step by step. This is the best way to succeed your acquisition. Proof.
1- PREPARE WELL YOUR PURCHASE
You want to own? Do not occultez, provided a number of very important points. Everyone can be a source of substantial savings. You can win and lose on all fronts: purchase price, financing, costs, work. A property purchase materializes gradually. It takes time, and you better be prepared when making your decision not to see from the property that interests you in the hands of another buyer.
2 – YOU INTEND TO THE FUTURE
Buy, that’s fine. You can afford it, but are you sure you can go the distance? Your property purchase goes into debt for 15, 20 or 25 years. Many things can happen over such a long period. Is your professional situation sturdy? Hope you have a steady increase your income? Do you plan to have children? Well you covet is it likely to be accommodated or will you change in a few years?
3- RESEARCH THE MARKET
To buy, get a clear idea of the market. For this, you can consult the studies published by professional associations, networks, notaries … However, nothing beats a field survey. Therefore, the ideal is to meet some real estate agents, who will provide you with information on prices, properties for sale in the city or neighborhood in which to settle.
4- HAVE A PLAN
In research, make first a list of your needs:
number of rooms,
Make sure to properly express your wish to avoid wasting time. Visit the most of assets. So you will need to devote time.
5- VISIT WITHOUT PRESSURE
Buyer beware. Arrive a little early to go and soak up the neighborhood. Evaluate its amenities compared to transport. A metro station, tram or train station, is actually close? Schools, equipment, business-present? As many items as you can verify by talking to shopkeepers, a neighbor …
In the apartment or house, do not be fooled by appearances, inspect everything from floor to ceiling, including dependencies (parking, cellar …). Ensure proper operation of the equipment (boiler, electrical, plumbing, sanitary …). Ask to see the diagnoses that the seller must provide, for more information on a number of elements.
6- ENCRYPTING DO THE WORK
Generally, an ancient well with the work is less expensive than a well refurbished or new. So you may be able to achieve a good deal. Provided to verify that the work required does not lead you into a financial abyss. Better to come together with a building specialist or architect.
7- MAKE A SOLID BUYER OFFER
If you think that the price of the property you want is too high, make an offer. If the owner agrees, you agree to buy it, unless you can not get your funding. Make an offer that is consistent with the sector’s market. Otherwise, you might see the owner rob and refuse to sell their house or apartment.
8- LOOK AFTER YOUR FINANCING PLAN
Few buyers who can buy without credit. You probably will not have a choice and will have to spend time searching for financing solutions to your profile and your budget. First make the rounds of subsidized loans that you can get (PTZ + in new, Action Housing, housing savings …). Then do not just go see your banker, tour the banks. You can also contact a broker who will find you the best financing.
9 – CHOOSE YOUR REAL ESTAT PARTNERS
In the absence of a family lawyer, we let ourselves be guided generally by the seller notary. But know that you can perfectly ask a notary to take charge of purchase. In this case, two notaries be present. One who will interest of the seller, the other will take care of yours. Whatever the case, remember that it will not cost you more, the two notaries sharing the fees.
10- BE CONFIDENT
Real estate may well be a complex area, if you know surround yourself with experienced professionals, you should fully complete your project.