Buying a home is one of the main goals of the vast majority of us. Not only because we all need a “safe haven” to return to every day, but also because we want those same walls to be ours, that perception of that space truly belongs to us, clearly and unequivocally. Take these steps into consideration or visit website of estate consultants to help you.
- Make The Decision
While there are many good reasons to buy a home, heritage building is usually at the top of the list. When done right, we believe that homeownership becomes an investment that lays the foundation for a life of financial and personal security over time.
- In this sense, some objective data and reasons should guide your decision:
- If you are already paying rent, you can likely buy;
- The lack of all equity to give down does not have to impede the purchase of your first home; banks offer solutions that help to make up for part of this lack of capital;
- A credit approval of a lower value than you expected is not necessarily the end of your claims;
- There is never a moment in the market more specific than another to make the decision. We only control the present; the future may be different from what we expect;
- Buying a home doesn’t have to be complicated; many excellent professionals can help you along the way.
- Choose The Real Estate Consultant Well
A real estate transaction usually involves several steps and different professional areas so that everything can be aligned smoothly. Therefore, your real estate consultant’s responsibility is to skillfully coordinate all the professionals involved in the purchase and act to ensure that your interests are secured.
In this sense, there are essential services that an excellent real estate consultant specializing in buyers must fulfill; we highlight:
- Help you understand the real estate market;
- Analyze your wants and needs;
- Drive you to homes that meet your criteria;
- Negotiate on your behalf;
- Coordinate tasks with all other necessary professionals;
- Check all documents and deadlines so that nothing fails;
- Solve any issues that may arise;
Before starting the search, your real estate consultant should know as much as possible about the features and amenities you want to have in your new home. To help you understand what you want, make a list of everything you expect to find in the property you will buy.
- Age of property: Do you prefer buildings with a history or more recent?
- Rooms: How many?
- Bathrooms: How many?
- Living and Dining Areas: A traditional, formal layout or a more open, contemporary floor plan?
- Right Foot: How high is it?
- Kitchen: What size? Recently renovated? Open to other seating areas?
- Storage: large closets, a pantry?
- Parking: parking or box? Space for how many cars?
- Extras: Attic or storeroom? Or others that are important to your decision.
- Get Financing
While the idea of owning a property in your name can be exciting, the thought of taking out a mortgage can be downright daunting. Many inexperienced buyers start the buying process a bit confused by this point or nervous about making such a large financial commitment. The phases you will have to go through are generally as follows:
- Use a credit bureau so that they can do this work for you and help you choose the best option.
- Perform credit simulations at various banks and compare proposals until you find the most advantageous solution for you;
- Negotiate with your Bank the interest rates for more advantageous percentages;
- If necessary, give guarantees to the Bank, such as the appointment of a guarantor;
- Choose the most advantageous solution, formalize the loan application so that it is pre-approved.