We all dream of having our own home to live in peace, receive friends and family and develop our life project.
But buying a house is not a decision that should be taken lightly, that's why today we want to share with all our associates some recommendations to take into account when buying a house.
- Take time to define what house you need. With how many rooms? Located in what area? With what kind of details? With or without a garden? Do you require your home to have a studio to work remotely? Do you need silence? Do you have small children? Are you thinking of having children?
- Research the real estate market. Are there similar houses with big cost differences? Where and why? Get good advice to make the best decision.
- Define a budget. Based on the identification of your needs and knowledge of the market, answer: What is the cost of a house with these characteristics and what is your budget? Do you have money for a premium or not? What is the maximum monthly payment you can pay from your fixed income?
- Manage the best mortgage credit. Look for an option adapted to your needs and your financial reality, in terms of interest rate, term and support.
At Coopealianza we have the best market conditions in home loans and we will love to support you in this process that is so significant for you and your family.
But what are those requirements to buy a home already built?
Requirements for buying a home with a cooperative credit
- Copy of current identification of the debtor / co-debtor
- Proof of salary / payment stub or documentation of income in case of not being salaried
- Signature of CIC SUGEF form
- Signature of the debt form with non-supervised entities
- Call / put option
- If there is any lien on the property, you must provide the approximate amount to be paid
On the other hand, if you prefer to buy a lot and build, the requirements are:
- Copy of current identification of the debtor / co-debtor.
- Proof of salary / payment stub or documentation of income in case of not being salaried.
- Signature of CIC SUGEF form.
- Debt form with non-supervised entities.
- Land use of the land.
- Property number where the house will be built.
- Construction permits.
- Construction plans.
- Construction budget.
- If there is a lien on the property, you must provide the approximate amount to be paid.
- Purchase / sale option.
If you have any doubts, Contact us. We are willing to advise you to make the best purchase because we understand that acquiring your own home is a big step in life.