You wish to acquire an apartment or a house in France, that represents an important engagement in your life. It is about a decision which must be maturely considered. France Résidences can accompany you at the time of these steps.

It is initially advisable to define your needs. In order to find the residence ideal, you must wonder which are the essential criteria. Want you to acquire a house or an apartment, which surface, the number of rooms, downtown or in the countryside, etc…

After having determined the needs, you will have to wonder which are the characteristics which will determine your dwelling. Indeed, of multiple options present themselves to you, to buy in the nine or the old one, turn-key or with restoration, with or without opposite…

The crucial question comes now from the evaluation of the budget. For a great majority, the purchase of a real estate will be done by the means of a real estate credit. It is not essential to have a personal capital contribution, but this last can nevertheless bring to you a certain weight in the negotiations of your credit. On the other hand, you must evaluate the amount which you will be able to borrow, as well as the monthly payments that you will have to refund who must represent to the maximum 33% of the net incomes of the hearth. To the procurement costs of the real estate, come to be added other considerable financial expenses in its budget: expenses of notary, interventions of professionals, expenditure of emménagement, the first work, loads of joint ownership, and later, taxes and various taxes. Not to forget the local taxes…

You have between the hands all the elements necessary to begin the search for your future housing. In order to find the good with the fair price you will have to compare the offers of the real estate market of the sector which you defined. The majority of the estate agencies publish their advertisements on gates specialized in the presentation of real goods. This method is as effective as fast to unearth residences. In particular, you can subscribe with an alarm system e-mail which informed you each day of the new offers available on the site.

Moreover, these sites contain all vital information concerning the residences to be sold. According to a research multicriterion, they post residences with the sale and the hiring, according to the type, the surface desired, the geographical sector, and according to an order of price. Many services come to be grafted on these sites, like the stages of the financing of your purchase, the control of the legal framework, or the price of the local taxes… It should not be also forgotten that the majority of the sites propose photographs to detail the advertisements still best. You will have to devote to this stage much time, because it is long to shell all the market offers. Do not waste time to contact the salesman as soon as an offer interests you in order to program the visits.

Although the visit of a house and an apartment present similarities, there are characteristics suitable for each one. As soon as you are inside housing, you must be delayed on the state of the ceiling, the grounds, the walls and the windows. If you visit an apartment, think of checking the common parts, made the turn of the district, try to imagine all the possible harmful effects. It is very important to check the clearness of the good, because to live in a dark housing can quickly prove to be a bad experiment, a double East-West orientation preferable because is balanced. A good distribution is also essential, because you must be able to reach all the parts without having to cross others of them, for example to arrive at the kitchen by the means of the living room. It is of course necessary also to ask the cost of the loads of joint ownership. If this visit convinced you, you must return for a second. It is necessary to find the cracks, the moulds, to check the state of pipings and the chimneys…. The gas, water and electricity must function perfectly. Lastly, you can contact the syndic of joint ownership to put to you at the current the work voted with the courses of the last general meetings, as well as the works in progress.

If you visit a house, think of checking the state of the roof because that can cause very expensive work. Pose a maximum of questions about the house itself, the entourage, transport and tradesmen of proximity. Concerning the exposure, the same applies as for the apartments, privilege a double East-West orientation. You must be delayed on the state of the terrace, of the swimming pool if there is one of them, of the ceilings and the floors, plumbing and electricity, the load-bearing walls, the ground in itself, the garden…. If you do not feel able to evaluate these elements, make you assist of a professional, architect or specialized company who will make a diagnosis of the house and ground, fees remaining very accessible. Ensure you to visit the house more once and at times different from the day.

Since June 1, 2006 the owner must provide you a state of the risks natural and technological, which protects you from the purchase from a housing in zone at the risks. Since August 12, 2008, the owner must also give you a report of the risk of exposure to lead. This report identifies any surface comprising a coating with presence of lead and specifies lead the concentration, the method of analysis used as well as the state of conservation of each surface. Lastly, since July 2007, an owner must also make carry out an energy diagnosis of performance. This formless document on the consumption of energy of housing, so that you can evaluate his performance and possibly to compare it with that of other offers. One finds there also recommendations aiming at improving this performance.

Think of listing with the owner the equipment which will remain at the time of the sale such as for example the equipment of the kitchen. If you have the means of them, try to inform you about the vicinity… The real estate agents make you sign a sheet called good visit before you do not visit housing. This good of visit obliges you to pass by this intermediary if you would buy visited housing.

Lastly, before starting the final negotiations, you must wonder which will be the nature of work and their cost. This point is very delicate and must be studied with a high degree of accuracy if you do not want to spend the ten next years to make do-it-yourself… Do not hesitate to utilize an architect and companies of restoration to carry out estimates and as quickly as possible to quantify the cost of this work.

As soon as you stopped your choice on a good, the negotiations will be able to start. It is important to speak with the real estate agent, it knows the salesman and the reasons of the sale of this dwelling, it thus knows if the purchaser is pressed, taken with the throat or if it has the means of waiting to sell it with the price until he wants some. It is necessary to be astute to avoid losing the sale. The owner often will fix his price by knowing well that he will have to discuss it. Your knowledge of the local market is very important to fix the ideal price. Not to forget not either to underline the negative points of housing and the expenses that will cause. Try to make this with tact for not offusquer your interlocutor.

Now that you fell from agreement on a price, you will carry out the signature which will seal your transaction. It is initially advisable to sign the compromise of sale by which the owner commits himself reserving the good until the final sale to you. The compromise of sale has a time of 7 days retractation and possibly suspensive clauses. You will pour on the account sequesters of the notary, in general 10% of the amount of the sale, which can be brought back to 5% in certain cases as for example if the sale is envisaged beyond the three months normally necessary. This sum is of course recoverable if you decide to give up the acquisition of this good, by not exceeding of course the time of retractation.

Following that the notary will have to get several administrative documents like the certificate of town planning or note of information. It is about an administrative document intended to give information on the provisions of town planning or the limitations administrative for the property right, the certificate of individual alignment compared to the public highway, the certificate of careers (he gives indications on the situation of the good taking into consideration risk of the ground and the basement), the certificate of nondanger and an extract of cadastre identifying the good and the owner. The notary must consequently occasion obtain a mortage state in order to examine the document of title. He also controls the regular origin of property over thirty years.

After obtaining your real estate credit and administrative approaches carried out, you will sign in a notary the final sale contract. The compromise of sale can be signed without notary, on the other hand the sale contract must be authenticated by this last. It should be known that the expenses of notary vary between 7 and 9%. It is at this time there that you will receive the keys of your new dwelling.

You here is owner of your new dwelling, it is now necessary to think of emménagement, and you to decide by which means you will carry out it. Specialized companies exist or bring together friends and the family to lend strong hand to you.