Recommendations before you buy a house InmoLaSirena can find the advice you need to buy a home in the best conditions.
Buying a home is a very important decision, both in the economic sphere, it is likely to be one of the most unique investment in our lives, as in the personal level, it can be key to family relationships and to even social, as well as to improve the quality of life.
To begin we must consider two fundamental economic issues
savings we have
The amount we pay each month.
These two points are important, because with more savings or more quantities available per month, can cope better with the investment to which we aspire. We also take into account the needs space, both present and future: Have you thought about getting married or having children?, and other criteria in relation to the future home environment (schools, transportation, shopping, proximity to workplace, etc.). -
Now, after a decision matured and know what you need and want.
is at this time when we put in their hands a -
guide will facilitate your dreams come true. You can easily locate the home you want through Internet
, where a number of Realtors have entrusted us with the publication of the farms offer its own portfolio.
Before Purchasing a Home, we recommend: Check
in the Land Registry if you have any type of load. Should also check with the City if the property meets the requirements dictated by the urban planning in place, if you are affected by any plan that the disfavor Urbanism or penalized, or is declared in ruin. But surely the professional who will attend and complete knowledge of all the above and can even be documented in most cases. Note that the financial institutions also conduct these tests during the study of possible funding. 
attention in existing homes to the community charge, Property Tax and consumption of services companies are aware of payment.
in housing starts, request a certificate of final completion, a copy of the statutes of community and internal regulations, floor plan with an indication of the usable area, Report of the materials used and the professionals involved .
If you already have located the house of your dreams, is beautiful and already decided to buy, but their savings are not enough to make the amount of purchase, plus the expenses of sale, taxation, transportation, etc. No need to stay calm, almost all entities Financial will be glad to assist and proceed to consideration of a loan transaction that generally will be strengthened to guarantee the long-awaited home by home mortgage. Typically this loan is known by the name of Mortgage or Loan.
is now only reflect what was agreed in a private document which reflects the agreement reached. This document (sales contract, contract of deposit, deposit document, etc.) Should include key issues such as full names of both buyer and seller (or his representative) sufficient identification of the home, agreed price form of payment, who will be responsible for taxes and expenses arising, agreed deadlines (both payments, as notarization, etc.). But if you plan to buy a medium or long term, must take into account the possibility of a housing savings account at any financial institution that allows you to deduct home years 15% of their annual contributions in the Income Statement. Thus have a maximum term of 5 years for such acquisition, without losing the tax advantages.
According to the report, financial institutions are "heavily discounted" and may even lose money on this to sell their "stock" property, which "penalizes" promoters. 
other hand, the study at the end of 2010 will be 260,000 new homes started, 27% less than in the previous year, which will reach completion about 100,000 in 2012. 
The housing prices in Spain increased by 0.05% during November compared with October, giving a decrease in annual rate of 4.02%. Not since June 2007 for the latest price rise MoM housing, which at that time was 0.16%. 
