{"id":434574,"date":"2021-08-02T10:26:59","date_gmt":"2021-08-02T10:26:59","guid":{"rendered":"https:\/\/www.gilmar.es\/blog\/"},"modified":"2021-08-02T10:26:59","modified_gmt":"2021-08-02T10:26:59","slug":"what-to-know-before-buying-house","status":"publish","type":"post","link":"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/","title":{"rendered":"10 things you should know before buying your home in 2021"},"content":{"rendered":"<p><strong>Buying a house<\/strong> is, without a doubt, one of the most important moments in people&#8217;s lives. We could define it as a selection process, which can take a long time, to choose what is going to be <strong>our home for the next few years.<\/strong><\/p>\n<p>It also involves a <strong>significant financial outlay<\/strong>, so the choice becomes much more selective.<\/p>\n<p>That is why at <strong>Gilmar Off Plan<\/strong> we believe it is important to know a series of factors that influence the purchase decision and that <strong>you should be aware of before buying your home in 2021.<\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#What_are_your_future_plans_for_the_house\" >What are your future plans for the house<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#Define_a_maximum_price\" >Define a maximum price<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#Funding\" >Funding<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#Location\" >Location<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#Neighbourhood\" >Neighbourhood<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#Energy_certification\" >Energy certification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#Advice\" >Advice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#Documentation\" >Documentation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#Handing_over_the_keys\" >Handing over the keys<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.gilmar.es\/en\/blog\/what-to-know-before-buying-house\/#Conclusions\" >Conclusions<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_are_your_future_plans_for_the_house\"><\/span><strong>What are your future plans for the house<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The first fundamental step, and one that you must establish before anything else, is <strong>to define your long-term objective<\/strong> with your new home.<\/p>\n<p>Buying a property on the Costa del Sol to enjoy and relax on holiday is not the same as buying a house to raise a family.<\/p>\n<p>It is therefore vital to consider your future plans when buying a house.<\/p>\n<div class=\"wp-block-button aligncenter\"><strong><em>See our new developments in Marbella<\/em><\/strong><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Define_a_maximum_price\"><\/span><strong>Define a maximum price<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The first factor that you must take into account when buying a house is the <strong>selling price<\/strong> of the house. There are many elements that influence the price of a house: <strong>location, condition, market, orientation\u2026<\/strong><\/p>\n<p>On the other hand, you will have to add up all the <strong>costs involved<\/strong> in buying a home, such as moving, renovations, expenses and so on.<\/p>\n<p>Therefore, by defining a maximum price, you can limit your search and be <strong>quicker and more precise<\/strong> in your search.<\/p>\n<div class=\"wp-block-button aligncenter\"><strong><em>Discover Gilmar Off Plan&#8217;s exclusive promotions  <\/em><\/strong><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Funding\"><\/span><strong>Funding<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<figure class=\"\"><img decoding=\"async\" src=\"https:\/\/www.gilmar.es\/wp-content\/uploads\/gilmaroffplan.com\/2021\/08\/happy-couple-greeting-financial-consultant-1.jpg\" alt=\"Pareja financiada para comprar vivienda\" class=\"wp-image-44718\"\/><\/figure>\n<p>Another important factor to take into account is<strong> how our home will be financed<\/strong>, i.e. <strong>the type of mortgage<\/strong>.<\/p>\n<p>The bank will finance a large part of the price of the property in exchange for monthly instalments over the next few years, so we recommend you use a <strong>mortgage simulator<\/strong> on the website of your bank of choice.<\/p>\n<p>Depending on the <strong>interest rate<\/strong>, we can distinguish several types of mortgages:<\/p>\n<p>Fixed-rate mortgage<\/p>\n<p>Variable rate mortgage<\/p>\n<p>Mixed-rate mortgage<\/p>\n<p>Finally, it is recommended that spending on <strong>mortgage payments should not exceed 40% of net monthly income<\/strong>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Location\"><\/span><strong>Location<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>As we have already mentioned, <strong>location is one of the factors<\/strong> that will increase or decrease the price of housing.<\/p>\n<p>If the property is located <strong>close to the city centre<\/strong>, the more value it will get, as it will be connected to several hospitals, schools, public transport, etc. Therefore, buying a property in the Canary Islands is not the same as buying a house in a rural area, and there is a big difference in the final price. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Neighbourhood\"><\/span><strong>Neighbourhood<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Getting to know your future neighbours <\/strong>can be important, especially if you want to live in harmony and peace.<\/p>\n<p>In addition, you can see if they are<strong> reciprocal in helping you with any problems<\/strong> or in making new friends.<\/p>\n<p>It is also very important to review<strong> the statutes of the community<\/strong>, as there may be some clauses that may affect you, such as the prohibition of pets.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Energy_certification\"><\/span><strong>Energy certification<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Since 1 June 2013, Royal Decree 235\/2013 came into force and all dwellings must have an <strong>Energy Performance Certificate<\/strong>.<\/p>\n<p>This certificate informs about the energy characteristics of the house, classifying it between the letters A and G <strong>according to consumption and CO2 emissions<\/strong>, with A being the best classification and G the worst.<\/p>\n<p>It is advisable to check this certificate when purchasing a home, as it will allow us to know <strong>the energy consumption savings<\/strong> of the home and to be able to set the monthly fixed costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Advice\"><\/span><strong>Advice<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<figure class=\"\"><img decoding=\"async\" src=\"https:\/\/www.gilmar.es\/wp-content\/uploads\/gilmaroffplan.com\/2021\/08\/kobu-agency-7okkFhxrxNw-unsplash-1.jpg\" alt=\"Asesoramiento en compra de vivienda\" class=\"wp-image-44719\"\/><\/figure>\n<p>When it comes to buying a home, many people do not want to seek help because they think they have everything under control.<\/p>\n<p>However, this is not always the case, and <strong>professional guidance<\/strong> is preferable to buying a house on your own.<\/p>\n<p>At <strong>Gilmar Off Plan<\/strong>, a leading company in the real estate sector with more than 37 years of experience, we have a series of <strong>professional real estate agents<\/strong> that you can contact at any time to help you with the different procedures and to help you discover the property that best suits your needs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Documentation\"><\/span><strong>Documentation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In order to purchase the property, it is necessary to present a <strong>series of obligatory documents<\/strong> to close the sale.<\/p>\n<p>The documents required to purchase a new home are:<\/p>\n<p>Building Book<\/p>\n<p>Certificate of completion<\/p>\n<p>Certificate of habitability<\/p>\n<p>Licence of first occupation<\/p>\n<p>Energy performance certificate<\/p>\n<p>Deposit agreement<\/p>\n<p>Contract of sale<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Handing_over_the_keys\"><\/span><strong>Handing over the keys<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<figure class=\"\"><img decoding=\"async\" src=\"https:\/\/www.gilmar.es\/wp-content\/uploads\/gilmaroffplan.com\/2021\/08\/realtor-giving-african-customer-keys-couple-buying-new-house-closeup-1.jpg\" alt=\"Entrega de llaves al comprar una casa\" class=\"wp-image-44720\"\/><\/figure>\n<p>Once all the documentation has been handed in, <strong>the seller will notify the buyer to proceed with the handing over of the keys<\/strong>, the last act of the sale of the property.<\/p>\n<p>The process takes place after signing the public deed, where both parties, <strong>before a notary<\/strong>, declare the agreed agreement on the transfer of ownership between the two parties.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusions\"><\/span><strong>Conclusions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You now know all the steps, documentation and important <strong>factors you need to know before buying your home in 2021.<\/strong><\/p>\n<p>Let us know if you would like to know more about any specific section or if you would like us to go into more detail on any factor that is important to you. We hope this guide has been of great help to you when buying a home.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a house is, without a doubt, one of the most important moments in people&#8217;s lives. We could define it as a selection process, which can take a long time, to choose what is going to be our home for the next few years. It also involves a significant financial outlay, so the choice becomes [&hellip;]<\/p>\n","protected":false},"author":5397,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[2],"tags":[],"class_list":["post-434574","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 things you should know before buying your house GILMAR | La casa de tus sue\u00f1os<\/title>\n<meta name=\"description\" content=\"Choosing our home for the next few years is not an easy decision. 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