After having lived in your rental home satisfied for a long time, you have now made the decision. You are going to buy! Buying a first home is not nothing. Everything is involved, viewing, bidding, arranging the mortgage. Do you not know exactly where to start now? Rest assured, we have made this clear step-by-step plan for you. This way you know exactly what is involved when you buy your first home.
Buying a house step-by-step plan: first orientate
So how to buy a home? Start at the beginning and list your housing requirements. What are you looking for in a house? List these wishes in order of what you find important. This way you can easily eliminate requirements, if necessary. After all, it’s your first home, so stay realistic. Don’t just think about what you want in a house, but also about your budget.
What is the maximum amount you can spend on a house? You can easily determine this by calculating your maximum mortgage online. But watch out! Not only view how much you can pay, but also consider how much you want to pay on your mortgage each month. Make sure you have enough money in addition to the monthly costs to live the life you want. Do you have all this clear to yourself? Then step one is already taken!
On house hunting
As soon as you know what you’re looking for in a house and know your budget, it’s time to go on a house hunt. Delicious! It is really nice to browse websites like Funda and find your own houses that you are interested in. You can also choose to use a buying agent . Once you have found a home that fits your needs, you will view it. You look thoroughly at the inside and outside of the house and get an impression of the immediate surroundings. Don’t want to miss anything? Then take this checklist with you.
Does the house suit your wishes and have you perhaps even fallen a bit in love with it? Then it is important that the home becomes yours. Time to place a bid! Of course you don’t want to pay too much for your future home, but you want to be taken seriously. So you want to think carefully about an opening bid. Especially read this blog article full of tips on how to determine this opening bid. If the seller responds to this bid, the negotiations start. A profession in its own right! But with these 10 negotiating commandments, everything will be fine.
If you and the seller come to an agreement, the provisional purchase contract will be drawn up. Read this carefully and check whether all your resolute conditions are included. If everything is correct you can sign the contract.
Time for the mortgage
Once you have signed the purchase contract, it is time to definitively arrange the financing for the house. The mortgage advisor needs a number of documents from you to be able to give you a definitive advice and to be able to arrange the mortgage. See which they are with this handy checklist. Then you can arrange this on time.