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21 Jun

Buy a home. Where to start?

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Real Estateestate market, home, house, loan, mortgage, mortgage loan, property, real estate

One of the most important decisions in a person's life is the acquisition of a home ownership. When that moment comes, innumerable doubts arise as a result of not knowing the functioning of the real estate market. Where do I start? What is the first step I should take? This post will give you the answer to these and other questions. Steps to buy a home Identify your needs There are many questions you should ask yourself before you start searching: Will I live alone or as a couple? Do I prefer a house in the city center or on…

29 Mar

What rights does the buyer of a home have?

Catharine BwanaReal Estatebuyer, contract, defects, home, property, simple note

The purchase of a home is one of the most important decisions a person will make throughout their life. Before taking any step, it is necessary to know what our rights (and obligations) revolve around this operation. In addition to being alert to misleading advertising or unfair terms, the buyer must be aware of other issues such as the regulations governing his right to be informed and / or to claim or about the obligations established in the deposit contract and in the purchase contract. Getting started. Identify risk factors The purchase of the house is not without risks. To…

25 Aug

What are the expenses when a mortgage is constituted?

Catharine BwanaReal Estateappraisal, documented legal, expenses, land registry, legal acts, mortgage, mortgage loan, payment, property

The constitution of a mortgage involves the payment of a series of expenses that go beyond the payment of the monthly payment. Until the approval of Law 5/2019 regulating real estate credit contracts, most of these were assumed by the buyer. With the new regulations, the situation has changed significantly. In this post we explain who pays what when a mortgage loan is signed. Expenses involved in signing a mortgage Notary. Payment of the notary's fees for attesting to the formalization of the mortgage operation. Appraisal. Expenses derived from the process by which the value of a property is certified. The appraisal…

13 Jul

Difference between the appraisal of a home and its valuation

Catharine BwanaReal Estateappraisal, estate appraisal, house, legal nature, price, property, real estate, valuation

Despite being different concepts, it is common for there to be confusion between the appraisal and the valuation of a property. Whether we want to apply for a mortgage or if we want to sell our house, it is necessary to know what each term means to avoid confusion and know at all times what we are asking for. The legal nature of each makes the difference The main difference between a real estate appraisal and a valuation is the legal nature of the former. Although with both we can know approximately how much a home is worth, only with the appraisal we obtain a…

24 May

Apply for a mortgage alone or as a couple. What’s right for me?

Catharine BwanaReal Estatecase, couple, loan, mortgage, property

Is it preferable to apply for a mortgage as a couple or is it better for me to do it alone? The answer to this question depends on many conditions: the legal situation of the cohabitants (married or common-law partner), economic regime in the case of marriages, employment situation ... Each situation has its advantages and disadvantages. We tell you what they are. Apply for a mortgage as a couple If you are thinking of applying for a mortgage with your partner you should know that your candidacy has added some points for the bank. Financial institutions consider that the…

13 Apr

Is buying a property as an investment profitable at the present time?

Catharine BwanaReal Estatearea, central area, estate, estate sector, investment, obtain profitability, property, real estate, sector

Taking into account the low values of the Euribor, many are those who resort to alternative sources of investment to obtain profitability. The real estate sector is undoubtedly one of them. If you have savings or have liquidity, buying a property can be a good option to recover the investment and get recurring income. Is the real estate sector profitable today? The pandemic has caused the real estate market to fall in terms of rates and prices, making it an excellent time to invest. According to the latest forecasts, this trend in the sector will continue until at least the end of the…

30 Mar

5 Keys to buying your first home without errors

Catharine BwanaReal Estatehome, ideal home, mortgage, numerous occasions, offer, people, property

With the purchase of the first home it is common to make mistakes that we are not aware of. Think that in a rental property you have the freedom to change if something is not as you expected, but when it comes to acquisition, the modification is not so easy. In today's article we are going to offer you relevant tips to keep in mind when buying your first home. Prevention is the best weapon. 4 Questions You Should Ask Yourself Before even starting the search for your ideal home you should ask yourself the following questions: Do I have a…

03 Mar

8 details of the Reverse Mortgage

Catharine BwanaReal Estateentity grants, financial product, house, mortgage, product, property, reverse, reverse mortgage

The reverse mortgage is a mortgage loan whose fundamental objective is the monetization of a real estate that completes the pension once retirement arrives. It is a very useful financial product that has been very well received in the United States and Great Britain but here in Spain is beginning its takeoff. What does it consist of? Is it worth it? Who is it for? We tell you all the peculiarities of this mortgage in this post. Reverse mortgage: is it for me? The reverse mortgage is designed for people with a certain profile. Over 65 years old, retired and with…

08 Jan

How to request a simple note online?

Catharine BwanaReal Estateexact address, legal validity, nota simple, note, note online, property, simple, simple note, working hours

If you are interested in buying a particular property, one of the first documents you should review is the nota simple. Your request is very simple considering that you can also do it online. We tell you the usefulness of the simple note and how to request it online. Nota Simple: X-ray of a property Not everything is as it seems. The simple note offers us very valuable information about the current state of the property: who the owners are, the existence of charges or encumbrances of the property, etc. The most relevant aspects in which you should focus on…