See below the 8 macro steps for purchasing your property!

• Find a real estate consultant

A real estate consultant is the greatest ally a client can have, because buying a property is a very complex, delicate, and significant process in a person's life. An analogy would be entering an unknown jungle. Would you go alone or with a guide? I will be your guide in this jungle and will lead you with confidence, safety, and efficiency.

I will assist you throughout the entire process of searching for and selecting homes, obtaining credit approval, dealing with bureaucracy, scheduling visits, and contacting other relevant parties, such as lawyers, appraisers, and banks. With all my experience, I will maximize your chances of finding a portfolio of properties that meet your expectations, both in terms of location and price, and you will have a better chance of finding your dream home.

• Requesting pre-approval for a mortgage

This step is optional and will only apply to buyers who want or need to take out a mortgage. Depending on the institution, simulations may offer between 80% and 90% of the property value, with the remainder being paid by the buyer.

The value of simulations from various banks depends on a set of criteria such as: debt-to-income ratio, fees charged by institutions, repayment term, applicants' professional situation, and down payment available for financing.

• Start searching for a property

Now that you have pre-approved mortgage financing or have the cash ready to pay, it's time to start looking for properties. This is a very unique stage, in which the real estate consultant's experience makes a huge difference to the client's decision-making and effort in the process. Finding the ideal property that is available can be a very frustrating and time-consuming step.

• Negotiate the value of a property

After finding a house that meets your needs, it's time to make an offer on the property or accept the asking price. This step is delicate and involves specific nuances. Although it may seem "simple" in terms of effort, an inappropriate offer can ruin the deal.

• The promise of purchase and sale agreement (CPCV)

The promissory purchase and sale agreement (CPCV), as the name suggests, is a contract that guarantees a future purchase/sale. It is optional and establishes the rights and obligations of the parties involved.

Signing a CPCV is essential if you want to secure the purchase of the property but do not yet have your loan approved or the property is still under construction, if you have to wait for the sale of your current home, or if the current owner is still waiting for the occupancy permit, among other reasons.

• The deed

The deed is one of the final steps in completing the sale of a property. Several documents are required to formalize this transaction, and it is at this stage that the deal agreed upon in the CPCV by the buyer and seller is finalized.

• The remodeling work

Renovations may be optional depending on the condition of the property being purchased. However, in general, most properties require either a complete renovation or minor repairs. In these cases, it is important to plan the time, agents, and costs involved.

• The changes

Purchase made, renovations completed, it's almost time to move into your new home for good! However, before that, it is important to pay attention to the water, electricity, gas, and telecommunications services. Pay attention to the company that will make the changes as well; we don't want any unpleasant surprises in this final stage! Remember to schedule the delivery of products in advance as well.