Tips for your first house purchase
There are many traps to fall into when you buy housing - and probably even more the case on your first purchase. Fortunately, you can get impartial advice so you do not get out of the deep water.
There are a myriad of rules, requirements, rights and particular pitfalls that you have to take into account in a house purchase, but it is fortunately afford to. Put together a team of advisors with real knowledge when you buy housing, and remember these three words - economics, law, purchasing advice. Have you taken into consideration, you have come a long way.
Before you get too far, so the first step is careful preparation. A house purchase is a complicated size and whatever accommodation you have cast your eyes on, so will you not without professional advice in housing economics, law and building technology.
It may be tempting to save the economy to parts of the advice, but the money will be well spent and can end up saving you a lot of contingencies in the future.
There are many steps - starting with the first
There are many to-do lists to the extensive process that represents a house purchase. There will be a number of differences and of course common denominators. One of the most important advice you can get, prepare and hold glance!
First of all you need to know how much money you can borrow in bank and credit union. What are your subsequent disposable, so you can also get food on the table or pay for your mobile?
In short, it is time to put a budget for a house purchase is much more than the actual home loan. The property tax, land tax, water diversion and consumption, the cost of heat, electricity and gas, maintenance, household or homeowners' insurance. And if you are not already out of breath, so this is just a sample, in addition to your everyday expenses.
Here comes the economic advice into the picture. It is the banker, purchasing agent, the talk loge uncle, your friends, who have already taken home buyer crotch. Their experiences are good, but others are therefore not to be despised.
Do you have it under control?
In connection with your signature on the deed comes a lot of law into the picture, so unless you know the clauses depth, so hyr expertise through a housing lawyer.
But wait, before you get to the point, then reverse right back to the dream house. Way back in time to when the fresh realtor told you about "a stone's throw from the Sea," "shopping around the corner," "evening sun on the terrace."
Sounded not it a little hollow when you went to the bathroom? Could there be a cavity under the bathroom tiles? Was not there also a fresh breeze in the bedroom? Was the window open at all, or it could be a row? What did the crack in the wall?
Do not buy a pig in a poke and leases a construction expert who can help you with professional buying advice before you fall in love so much in the home that you do not see the danger signals that may be costing you dearly.
Boligrådgivning is the alpha and omega
Are you a construction expert with a buyer through, you get a thorough structural analysis of the property that you are considering buying. Afterwards you have a clear sense of what you are about to invest your money in.
Before the review, the building experts examined the dwelling energy label and tilstandsrapport and electrical check, if available, so you can get answers to your questions about the state of the property. A construction expert can also advise you on technical issues and clauses which the status report can cause when subscription of a change of ownership of the property.
Following the advice you have got an overview of the property defects, whose economic impact you can tuck intoyour budget. You may also have been arguments to press the vendor's cost down - an argument could be that the dwelling roof must be replaced within a few years, therefore, the price down. Finally, there may also have been so numerous and extensive K3'ere that it is not a home for you, but rather a craftsman with a lot of money and plenty of free time. Then it's off to the next housing arrangement where you naturally turn should remember advisers.