10 points to consider when we buy a home

Before deciding to buy a home , you must have thought about what you like, but always considering that it meets your needs and the one that best suits your financial availability ; To do this, you must take into account the following points before purchasing it :

– The main and most important aspect is to know what capital you have , if you are going to sell your previous home or if you are going to ask for a loan from the bank or what debt capacity you have.

– The housing you want , if you want it to be a flat, apartment or single-family home; If you want it to be in a town or in the city; if you want it to have a garden; You must also take into account the size and qualities.

– The type of housing , whether or not you want the housing to be protected or to belong to a cooperative, which is one of the least expensive ways, where the figure of the promoter disappears and the buyer becomes a cooperative member, or if for Otherwise you want to buy through an agency.

– If you buy a second-hand home , you must check in the Property Registry that the characteristics match reality, that it is in the name of the person selling it to you, and that it has no charges or is rented.

– Verify that the Community Administrator is up to date with payments and if the facilities are in good condition.

– At City Hall you must check if you have paid the contribution.

– At the Bank , you must confirm if the home has a mortgage, so you can take charge of it, deducting the proportional part or have the owner settle the debt.

– You can deed the home or not , but if you do, you are certain that the contract is legal , you are certain that the home is yours and you need the deeds to present them to the bank, if you want to request a loan , and put your housing as collateral.

– You must take into account the cost of mandatory expenses , such as the Property Transfer Tax, the Tax on Legal Acts, basic supplies of water, electricity, gas and Community expenses.

– You must take into account the cost of optional expenses , such as the Deeds, the Property Registry, the Mortgage Expenses Opening Commission, the Appraisal, the Tax on Legal Acts, the Insurance, the Manager and the Municipal Capital Gains .

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