The moment you express the desire to buy a house, the “commitment” is already broadly known, which is certainly not easy to sustain. There are in fact a series of steps to take: from the search for the property to the mortgage to be stipulated, buy a house it can get stressful. It is why we must not give in to stress and anxiety, but stop, take a deep breath and inform ourselves. Our advice in this regard.
How do you buy a house?
It might seem simple, but it's actually a "thorny" issue: finding the right home, which reflects your tastes and needs, is a job. Indeed - Luckily - there are real estate agents. First of all, however, some steps are necessary to take, without any hurry: some aspects that you can start evaluating in complete autonomy.
Take a look at real estate market trends
First of all, what are they the prices and offers of the real estate market at the moment? There are times when the "brick" should be considered as a real investment, and in other times, however, prices skyrocket. Finding the cheapest property is not easy: waiting for the right moment to buy is often the best solution.
Establish your budget and evaluate a mortgage
In this case, we must move in a clear and above all transparent way: what is the budget available? Based precisely on that we have the possibility of making an initial "skimming" of the properties currently for sale. Furthermore, it is one of the questions requested by the real estate agency to understand which options to propose.
Of course, the next step is evaluate the mortgage: practically, the "trusted" companion of all buyers. Find out about better rates, and furthermore you find here is an overview of the documents required for the loan application. Get help from a professional, because it is the best solution to avoid spending too much.
Evaluate city neighborhoods
Each district has advantages, also depending on the city in which it is located. There are, for example, i central or historic districts which are widely in demand, but often have prohibitive costs: let's think of the case of Milan, where we have been in recent times recorded a rising percentage of rental or sales prices.
We can then evaluate between residential or suburban area: the preference is not only personal, however. In fact, it is necessary to estimate the daily route to get to work, consider the cost of petrol and the presence of schools, parks or shops nearby, in order to have everything you need, from services to shopping.
Why get help from a real estate agent?
The role – and consequently also the value – of the real estate agent should not be underestimated. Often, in fact, especially when it comes to buying a house, we cannot do it sight unseen, but we have to rely on professionals in the sector.
Of course, the real estate agency makes sure of cadastral compliance of a house, if there are mortgages, or again check i surface rights. At the same time, the assessment is always correct.
The point on evaluation is certainly essential: knowing the market absolutely allows you to get the best price, or at least the fairest price. Also, every real estate agent aims to protect both the seller and the buyer. And that's not much.
Can you buy a house yourself?
To date, whoever chooses to buy a house by yourself, therefore without the help of a real estate agency, is part of a very low percentage. Usually, those who do it already know who is selling the apartment, or maybe they don't want to bear the costs of the real estate agent.
Buying a house privately without an agency it means starting a long process on your own, both in the research and in the proposal and in the mediation. Even for her paperwork we will have to do everything without any support: often, this choice can be very stressful, especially if you don't have much time or patience to devote to the purchase project. The risk, unfortunately, is to make the wrong investment.
Is it better to have a new apartment or to renovate?
Many, then, ask themselves: is it better to lean towards a new apartment or to renovate? The answer depends on a few factors. For example, if you work in the construction sector or in any case deal with furniture, there can undoubtedly be savings. Alternatively, the costs are still optimized, but the risk is then having to manage a rather stressful situation.
