From house to home, in 10 steps
Picture this: we are young and looking for a house. You will probably see with the mind's eye young people smiling, optimistic, who probably hold some boxes in their arms, doing pirouettes in their new house with impeccable showroom aesthetics.
Many of the stories about searching for the dream home have a happy ending – soon they find a place suitable to their needs to call home. But what we also know - from practice - is that the home project is a process that often comes with all sorts of worries, many searches, lists, costs, and a multitude of questions.
At least the process of obtaining financing should be easy. So today we want to share with you how to get from house to home in 10 steps.
1. Start with realistic expectations: expenses vs income
However much you want a home loan, you must be honest about your income level and especially about your expenses. Only then will you manage not to feel the loan as a heavy burden to bear.
2. Make a calculation
A loan never comes alone, but accompanied by its monthly installment. To get an idea about its value, you have at your disposal a online calculator.
3. Start looking for her
Friends. Online. Real estate agency - you have many options to find it. Remember, you have at least 3 options that you should consider to reach your home as soon as possible.
4. You find out how much money you can get. And you move on
On your journey home, we warmly await you to make a stop at the bank. We will talk about your needs and together we will establish how we can support you.
5. A first meeting. What can your...house be
So that you don't forget something on site, it's good to have with you a list of the most important aspects to keep in mind when you go to see… perhaps even your future home.
6. You are a few documents away
CF extract, survey or preliminary contract are those documents you have heard too little or not at all? But with a little help and a lot of attention, we are sure you will cope.
7. Your credit is analyzed ...and approved
Now, all you have to do is wait. During this time your request is being analyzed and within a maximum of 2 weeks you will receive an answer.
8. Done! It's time to take your role seriously
Yes, it is the day of signing the contracts and the day when you can say that you have finally arrived home.
9. With an insurance, we are each obligated :)
Especially since it works in your favor – it helps you to easily get through any unpleasant event that may happen with your home.
10. Congratulations! You have reached the end
The seller receives the money, and you can already think about the housewarming party.
You can now choose between a loan with a fixed interest rate for 3 or 5 years, after which variable interest rate or from the beginning variable interest rate. You decide what your needs are and how you want to repay the loan. We are waiting for you for a discussion about your house at any BT unit. 😊
