Information and advices in the acquisition of to housing

   To buy to house is to very important decision in our lives, is implies investing to considerable part of our economic resources and of course it goes to determines our life in many aspects. For it it is very important to commit the minibadly errors and to count safely and useful information in each of the steps. The hurries and precipitations plows usually very bad advisers. It is suitable to have patience and to act with intelligence. Real We must be very conscious of which there plows our needs and which plow our economic resources. Limits, possibilities and needs plows the concepts that resides we plow going to use in the important task of acquiring to housing.

    In to housing many aspects enter game and they all deserve to be value, since all of them will influence the final price and also they will have to direct relation in our quality of life when we plows installed in her. We must value the it pleases of the housing, typical of the area, shops and nearby shopping centers, the closeness or distance with our area pleases of work, quality of the facilities, if it is to question of to noisy, if it is surrounded with parks and gardens or is an area with many contamination... We will always have to look for the best balance between our desires and possibilities. Obviously there always exist houses of daydream where we will not lack of anything, but if we lucky plows not not to import by not means the expenses for ourselves, we will always have to be dependent on our financial resources and to try to find what you reside we like and what adapts itself economically to our needs.

    The easiest thing is that we have not all the money to be able to pay the housing and then debermos resort to the banking institutions and here to big number of factors enters game. The praises that they will want to grant to us will not be the same that the real price of the housing. The bank will be ordered by an assessor who will value the apartment and will prepare to report. The banking institution will check this report and of course it will offer us to mortgage praises for 80 % of the appraisal, although before certain circumstances it will be able to offer up to 100 %. Also it will check our financial resources and our indebtedness capacity. It will request us our payrolls. They will send to report to his risks head office and will verify that what we should pay to him monthly to the bank does not exceed 30 or 40 % of our uneats.

To look for apartment is not like going to buy to garment, we have to of our steals takes. Ideal Perhaps let's need of several weeks to find our house. We must bear in mind many factors and be provided with to lot of information. we have not to of getting tired of doing visits to housings, of coming to real you be obtain, of walking along the areas where we want to live if there plow cartels of salt of apartments, of reading magazines, announcements newspapers or of looking for information in Internet. To have good information will help us to realize the best election.

   We must bear in mind important factors like the state of the building and of his structures, antiquity, if it presents problems of moisture or of cracks. To know his history, if it have been rehabilitated or reinforced and if it you have to spend maintenance reviews. Also to know his facilities, electricity company, of gas, toilet, heating, plumbing, etc.

   We must realize to series of previous cross-checks before signing the contract. To verify in the Property docket that charges do not exist, and if it is not possible that these plows not important and that the seller is really the owner and that this one is paid the last receipt of urban contribution. In the Town entrance entrance hall we will verify that the housing expires with the Current Town-planning Plans and that it is not harmed by any town-planning project.

   The writing will be sent by to notary and it will be inscribed in the Property docket. The seller will present the writing of the housing that is going to sell us. The notary will send to buying and selling writing and will read us all the conditions agreed between the seller and the buyer. We dog do to the notary all the consultations that we consider and dog stop the reading o the writing in any moment for any clarification.

   These plows some important considerations, we must uses all our common sense, look for the best balance between desires and needs and be provided with the best possible information.