Buying a House: Complete Guide to Preparing Your Project
Buying a house is an important step in life. Between the ideal location, controlled budget, and the right financing, it is essential to properly prepare your real estate project. Discover our tips for a successful purchase.
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I’m Buying a House
Belgians have a brick in their stomach, as the saying goes! Buying your house will be an important step in your life, your family’s life, and the construction of your happiness!
Therefore, buying your house will be a significant investment that you should approach with reflection and having fully analyzed your wishes and those of your family. You must also respect a budget and find the mortgage that will fully meet your expectations and budget.
There are many elements to be attentive to when deciding to buy a house: proximity to a school for children, an acceptable distance to your workplace, easy access to the highway, the presence of a hospital nearby, questioning 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…
Where to Buy My House, Where to Buy My Land?
The location of your house will be important. Do not neglect the aspect of falling in love with the place; it is important that the place where you will live pleases you. That said, be attentive to these few points:
- The relative proximity to your workplace, your children’s school, your respective families, public transport, highway entrances;
- A house in the countryside will generally be isolated from essential goods;
- A house in the city is a whole different perspective;
- Be attentive to the insulation of the house, its exposure;
- Inquire to know your potential neighbors; is it a quiet place?
- What about potential noise pollution?
- What about the presence of dogs in the neighborhood?
- etc…
How Does a Real Estate Sale Work?
As simply as possible. Skipping a real estate agency always saves the fees requested by this agency. It’s not insignificant.
The sale generally takes place amicably, that is to say, following an agreement between a seller and a buyer. Some public sales organized by bailiffs can be interesting because you can get good deals there.
The buyer and the seller can each have their notary, but it is absolutely not required. If two notaries intervene, they will share the sales fees. There will therefore be no additional fees.
The sale is first realized by a sales agreement signed under the suspensive condition of obtaining a mortgage. Once the mortgage is obtained, the notary will draw up the authentic deed of sale. In this agreement, you are generally asked to pay a deposit (down payment) corresponding to an amount of 10% of the house price.
Practical Tips
Visit the Property Several Times
Do not hesitate to visit the property several times. It can be interesting to visit your house when it is sunny or gray to get an idea of the brightness. Go there in the morning, in the evening. Pay attention to neighborhood noises.
Consider visiting the property with your family, friends, an architect, or a real estate expert if you have technical questions. Detecting potential defects or inconveniences could allow you to negotiate the price down.
Have a drink at the local café or buy a newspaper at the street’s bookstore. 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 useless to inquire about the solidity of the building: the condition of your roof, walls, floors, doors.
• Waterproofing and Ventilation
What about the insulation of your house? Its ventilation? The quality of the frames and windows?
• Brightness
Are you satisfied with the brightness of the rooms in your future house? What is the orientation of your house? Will you receive a lot of sunlight or not?
• Acoustic Comfort
Visit the house and listen. Ask the occupants to be silent and walk through 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?
• Electrical Installation
It may be useful to have the house’s electrical installation thoroughly checked by a specialist.
• Thermal Installation
It is also wise to have the condition of the boiler, radiators, and the insulation of windows and frames checked.
Establish a Realistic Budget
Between the house of your dreams and the one that fits your budget, the gap can be large. Do not forget that the sale price is accompanied by all sorts of fees such as taxes and notary fees, as well as maintenance costs and unforeseen expenses. Do not make the mistake of buying a house whose price exceeds your means.
That’s it! 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