By The last months of the year concentrate a significant increase in the number of housing sales. Although the emergence of the internet has greatly simplified the decision-making process over the past 15 years, as thousands of people take its assistance to decide to make the most important financial decision of their lives. To help everyone who has that possibility in mind of buying a home, we have developed this list of the basic tips.
The Search Process
If you are thinking of buying a home, your first option should always be to go to the internet. At the moment 100% of the offer are in the main platforms. Use common sense when you find spectacular homes at the ridiculous prices. Above all, never advance money. If you have a smartphone, there are apps which will be of great help, since you can see ads as you walk through the area you are interested in, and contact the owners and even visit the homes.
Talking about Money
Putting yourself in the hands of a real estate professional is a great idea. The professionals are those who know each market in detail and those who have the best weapons to get the most competitive prices and do not waste your time. In addition, they will be an invaluable help in carrying out all the paperwork and to follow the entire administrative process without any fuss.
First of all, we recommend you go to a bank, or a mortgage broker to know what mortgage can be granted according to your salary and possibilities. Make sure that you can pay the fee with 30% of your salary.
To know if the price that the owner asks is or not adjusted to the reality, look for similar apartments in the environment and compare. The price evolution reports of the real estate portals will also help you.
If the house fits you, it is advisable to ask for a preliminary appraisal. The banks will lend you 80% of that value, so it can help you not waste time. In addition, it will help you negotiate the final price with the owner.
In some areas, the demand is stronger than in others, so the willingness of the owners to negotiate prices also varies. Make a study of what situation you are in, but as a general rule, you should lose your shyness and be proactive by presenting the offers.
