Your real estate project as an individual

For this it is essential to know all the steps that will allow you to finalize your real estate project in the best conditions!

A. Evaluate your budget to find the ideal property:

Before starting your search for properties, it is important to have a clear vision of your budget in order to best orient your search. Here are some tips to help you determine your budget:
 

• List all of your income (salaries, rental income, allowances, pensions, etc.) and your charges (taxes, insurance, credits, fixed and variable charges). Ideally, the amount of your monthly mortgage payment should not exceed 33% of your income.

• As well as the costs relating to the purchase of the property. In addition to bank and notary fees, remember to include ancillary costs (moving, works, etc.)

• Encrypt your personal contribution, this is not available in the study of the file by the banking centers. At a minimum, it will have to correspond to 10% of the amount of the final purchase.

Our experts will be happy to find an apartment or a home exceptional to best meet your projectimmovable. With years of expertise in all the districts of Paris, as well as in Hauts de Seine 92, Seine Saint Denis 93, Val de Marne​ 94 or Morbihan 56.
For buying an apartment new, or old in main or secondary residence. 

B. Signature of the sales agreement:

With the help of Chasse Privée, the search was successful, you found your apartment or your house. Now, so that it does not escape you, you must sign a sales agreement. This commits you reciprocally with the seller and generally provides for the payment of a deposit (maximum 10% of the sale price). Be careful to include a loan suspensive clause which sets the deadline for obtaining a mortgage (generally 60 days) and allows the sale to be canceled in the event of refusal of financing. The law provides for a withdrawal period of 10 days.

C. Search for funding:

You now have 60 days to find the best financial arrangement. Bringing the competition into play is essential to obtain the best financing conditions. As a real estate loan professional, you can call on a broker, he is often the best placed to compare and negotiate the offers of the different banking entities. It compares all the conditions mentioned in the contracts (rate, duration, guarantee, insurance). After having gathered all the documents necessary for the study of your project (pay slips, tax notices, proof of address, account statements, sales agreement), our brokers take care of putting together your file!
Here again, Chasse Privée is at your side to put you in touch with one of our brokers, according to your buyer profile. 

D. Agreement in principle:

Without official content, this document simply confirms the will of the latter to continue the procedure on the basis of the elements communicated in the request or during an online simulation:

- borrowed capital
- the annual percentage rate of charge (APR) proposed
- the duration and terms of repayment
- the guarantees required

E. Acceptance of Offer:  

You will have a reflection period of at least 10 days before you can return it signed. Remember to inform your notary of the acceptance of the offer in order to plan the signing of the deed of sale and the release of funds.

F. Completion of purchase:

Go to the notary to sign the deed of sale, this is when you officially become the owner of your property.   Two days before the appointment, your bank confirms that the funds are available. It is the notary who draws up and sends you your title deed. Reimbursement of your first installment generally begins in the month following the signing of the authentic deed of sale.

 
Do not hesitate to contact Chasse Privée for the funding  of your project and any renovation of your new property. We can also find your tenant and offer you the appropriate furnishings for the lease of your property, within the framework of a rental investment.
We offer support throughout your project for optimal customer satisfaction.