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Toutes ces données ne sont fournies qu’à titre informatif et ne contraignent en aucune manière Finday à octroyer les crédits renseignés ni à appliquer les taux indiqués. Ceci n’est pas une offre. Nous vous invitons à fixer un rdv en nos bureaux afin de recevoir le TAEG (Taux annuel effectif global) qui s’adapte à votre situation.
Certains taux mentionnés sont dépendants de plusieurs critères (Quotité <= 80% - Revenu disponible en dehors des charges 1.500€ pour un isolé, 2.000€ pour un ménage - Ratio charges revenus <= 40% - Domiciliation des revenus - Souscription à une assurance habitation et solde restant dû auprès de l'organisme désigné - Réduction supplémentaire de 0,15% - sous réserve d'acceptation du dossier par l'organisme bancaire et de tout autre élément aggravant (contentieux, médiation, saisie, ...)).
I’m buying a house
Belgians famously have a brick in their stomach! Buying your house will be an important step in your life, your family’s life, and in building your happiness!
Therefore, purchasing your house will be a significant investment that you should approach with careful thought and having fully analyzed your desires and those of your family. You must also stick to a budget and find the mortgage loan that fully meets your expectations and budget.
There are numerous elements to be mindful of when deciding to buy a house: proximity to a school for the children, an acceptable distance to your workplace, easy access to the highway, the presence of a hospital nearby, considering the thermal insulation of the house or its exposure to noise pollution, a garden for your pet, etc…
Follow the guide to make sure you don’t forget anything…
I’m organizing…
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Where to buy my house, where to buy my land?
The location of your house will be important. Don’t overlook the love-at-first-sight aspect, it is important that you like the place where you will live. However, pay attention to these points:
- Relative proximity to your workplace, your children’s school, your respective families, public transport, highway entries;
- A house in the countryside will generally be isolated from basic necessities;
- A house in the city offers a completely different perspective;
- Pay attention to the isolation of the house, its exposure;
- Get information to know your potential neighbors; is it a quiet place?
- What about possible noise disturbances?
- What about the presence of dogs in the neighborhood?
- etc…
How does a real estate sale happen?
As simply as possible. Avoiding a real estate agency is always saving on the fees requested by this agency. It’s not trivial.
The sale generally happens from private treaty which is based on an agreement between a seller and a buyer. Some public sales organized by judicial officers can be interesting as you can find good deals there.
The buyer and seller can each have their own notary but it’s absolutely not required. If two notaries intervene, they will share the sale fees. There will be no additional costs.
The sale is first made through a sale agreement signed under the suspensive condition of obtaining a mortgage loan. Once the mortgage loan is obtained, the notary will draft the official deed of sale. In this agreement, you are generally required to pay a deposit corresponding to 10% of the price of the house.
Practical Advice
Visit the property several times
Do not hesitate to visit the property several times. It might be interesting to visit your house on a sunny or cloudy day to get an idea of the brightness. Go in the morning, in the evening. Pay attention to neighborhood noises.
Think about visiting the property with your family, friends, an architect, or a real estate expert if you have technical questions. Detecting possible defects or inconveniences could allow you to negotiate the price down.
Have a drink at the local cafe or buy a newspaper at the bookstore on the street. Start a conversation to find out if the neighborhood is quiet and gather valuable information.
Several inevitable points to check
• The environment
School, bakery, pharmacy, or even large stores.
Take the time to inquire about the quality of life in the neighborhood and the profile of your immediate neighbors.
• The solidity
It is not unnecessary to inquire about the solidity of the building: the state of your roof, your walls, your floors, your doors.
• The waterproofing and ventilation
What about the isolation of your house? Its ventilation? The quality of the frames and windows?
• The brightness
Are you satisfied with the brightness of the rooms in your future house? What is the orientation of your house? Will you get a lot of sun or not?
• The acoustic comfort
Visit the house and listen. Ask the occupants to be quiet and walk around the house in silence, during the week and the weekend. Are you satisfied with its acoustic comfort or on the contrary, do you find the house too noisy?
• The electrical installation
It can be useful to have the electrical installation of the house checked by a specialist.
• The thermal installation
It is also wise to check the condition of the boiler, radiators, and the insulation of the windows and frames.
Establish a realistic budget
Between the house of your dreams and one that fits your budget, there can be a big difference. Don’t forget that in addition to the purchase price, there are all sorts of costs such as taxes and the fees of the notary, as well as maintenance costs and contingencies. Don’t make the mistake of buying a house whose price exceeds your means.
There you go! You have decided to acquire or build your new house? Our company guides you to obtain the financing that matches your request: discover now our mortgage loan