When buying a home, we must always keep in mind some tips to minimize problems in the future, some of the most important tips to keep in mind are:
- We must take into account in case of need to mortgage us for the purchase of the building, that the purchase of the housing does not exceed more than 30 % on the monthly income of the familiar unit. The banking entities, usually admit between 35 - 40 % of the total computation of income, it is to criterion of each entity. If you need advice to apply for your mortgage we will be happy to help you, in our real estate in Malaga physically, or by telephone, or by email.
- We should never send money in advance: neither as a deposit, guarantee, down payment, reservation or any other reason. Except in the case that we celebrate a deposit contract with the seller, or a reservation contract with the buyer or real estate agency. For what we should verify that the selling part, is the one that appears in the simple note of the Registry of the Property where the property is located. And if this contract we celebrate it with the real estate agency that showed us the property and has been informing us, we will have to verify that the data of the real estate agency (social denomination, C.I.F., postal address) are coincident with those of their web page, or with the previous documentation that they had given us. We always recommend that you meet the intermediary in person whether it is a real estate agency or if you are dealing directly with a private individual.
- You should be wary of money transfer companies: if they tell you to make a deposit as a deposit and signal through Western Union, MoneyGram, Bidpay or other similar types of payments, since transactions with strangers cannot be guaranteed and the recipient of the shipment cannot be traced. The ideal, will be to make economic deliveries through a bank account, including at the time of making the bank transfer, the beneficiary (buyer who signs the document), indicating in the concept deposit or reservation of the house object of income.
- Always under contract: If a payment, deposit or reservation is made, it must be reflected in writing in a contract. Keeping all the documents: e-mails or messages that have been exchanged with the seller so that there is a record of everything that makes reference to the purchase of the property.
Meet the intermediary in person whether it is a real estate agency or a private individual.
See before buying make the consultations and transactions personally and reach an agreement to see the property before making the purchase.
Ease of contact: Be wary if the seller cannot talk on the phone for any reason or excuse.
Know the surroundings: Visit the property on your own and ask for a reference from neighbors or the doorman of the property.