[et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.5″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n
This is it: you’re ready to start searching for the property of your dreams and make your <\/span>next real estate purchase<\/b><\/a>! But before becoming a homeowner, you have many questions. Where do I start? What steps should I take? Who should I contact? Where and how do I search?<\/span><\/p>\n EASY Estate, your trusted real estate agency, helps you see things more clearly. In this article, discover the <\/span>steps to buy a house in Belgium<\/b><\/a>!<\/span><\/p>\n Before starting your search, you first need to <\/span>estimate your budget for buying your property<\/a><\/b>. This will help you avoid unpleasant surprises and disappointments.<\/span><\/p>\n First, assess <\/span>how much money you have set aside<\/b> to finance the purchase of your property. These <\/span>own funds<\/b> can be your personal savings, money you have from the sale of another property, or an inheritance or gift from your family, for example.<\/span><\/p>\n Careful: we advise you <\/span>not to use all your own funds<\/b> for your purchase. Keep a portion aside in case of <\/span>unforeseen additional costs<\/b>.<\/span><\/p>\n Do you have an idea of the amount you have available? Now, estimate <\/span>how much the purchase of your property will cost<\/b> in order to work out how much you’ll need to borrow.<\/span><\/p>\n In addition to the <\/span>price of the property<\/b>, you must take into account all the <\/span>additional costs<\/b>, such as notary fees, registration duties, bank file fees if you take out a loan, and insurance.<\/span><\/p>\n If you feel your own funds don’t cover all the costs, you will most likely need a <\/span>mortgage loan<\/b>. To do this, make appointments with several banks to <\/span>compare offers<\/b>: interest rates<\/a>, loan duration, any compulsory insurance, etc.<\/span><\/p>\n The banker will analyze your <\/span>financial situation<\/b> (income, expenses, contribution) and use this to determine the amount the bank can lend you for your purchase. Choose the bank that offers you the best rate and the best conditions! By doing this, you can begin your search with the certainty that your loan application will be <\/span>accepted<\/b> and that you are not putting your <\/span>financial stability at risk<\/b> with this purchase.<\/span><\/p>\n [\/et_pb_text][et_pb_image src=”https:\/\/www.easy-estate.be\/wp-content\/uploads\/2024\/03\/visite-immobiliere-avec-agent-immobilier.jpg” alt=”Agent immobilier montrant la grand baie vitr\u00e9e d’une maison en bord de mer \u00e0 un couple ” title_text=”visite-immobiliere-avec-agent-immobilier” align=”center” _builder_version=”4.23.1″ _module_preset=”default” width=”80%” max_width=”100%” custom_margin=”30px||30px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Now you know how much you can borrow. Based on this, define the <\/span>criteria for your property search:<\/b> location, type of property, size, condition, orientation, number of rooms, energy performance, etc. Depending on how your search progresses, you may need to <\/span>revise certain criteria<\/b> so that the properties you visit match your budget.<\/span><\/p>\n With your criteria in mind, you can start <\/span>going through the listings<\/b>. You’ll find them on <\/span>property listing websites<\/b>, at <\/span>notary offices<\/b>, or even on <\/span>social media<\/b>. <\/span>Real estate agency websites<\/b> also let you set up alerts<\/a> whenever a new property matching your criteria appears.<\/span><\/p>\n Also take a walk around the targeted <\/span>neighborhood<\/b>. You might come across a property for sale. Finally, don’t hesitate to rely on <\/span>word of mouth<\/b>!<\/span><\/p>\n The search process is often long and complex. To spare you this time-consuming and stressful step, we recommend working with a real estate agent<\/a>. They have <\/span>in-depth knowledge of the local market<\/b> and will offer you <\/span>properties that match your criteria<\/b>, sometimes even before they’re listed online.<\/span><\/p>\n At EASY Estate<\/a>, your real estate agency in the province of Li\u00e8ge, we offer a range of <\/span>services<\/b><\/a> to help you find your future home: sound <\/span>advice<\/b>, <\/span>prospecting<\/b> in your area, etc.<\/span><\/p>\n [\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjEwNTk1In19@” button_text=”Discover our properties for sale” button_alignment=”center” _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”30px||30px||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” _dynamic_attributes=”button_url” sticky_enabled=”0″][\/et_pb_button][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Have you found a property that interests you, or has your real estate agent suggested one? Schedule a visit!<\/span><\/p>\n We recommend bringing along a <\/span>trusted person<\/b>, who can give you a <\/span>second opinion<\/b> and notice details you might have missed. Also prepare a <\/span>list of questions<\/b> to ask the seller or real estate agent. On site, pay attention to the <\/span>overall condition of the property<\/b> (walls, damp, roof, windows, etc.). Try to <\/span>picture yourself living there<\/b> and ask yourself whether this property <\/span>matches your expectations<\/b>.<\/span><\/p>\n Have you completed the first visit and are you still interested in the house? If possible, schedule a <\/span>second visit<\/b>. It will let you <\/span>confirm your interest<\/b> in the property and <\/span>observe other elements<\/b> you might not have thought of the first time. You can also bring along an <\/span>expert<\/b> who will assess and check any work that may need to be done.<\/span><\/p>\n [\/et_pb_text][et_pb_image src=”https:\/\/www.easy-estate.be\/wp-content\/uploads\/2024\/03\/signature-contrat-de-vente-maison.jpg” alt=”Mains d’un agent immobilier tendant vers les mains d’un acheteur une petite maison en papier” title_text=”signature-contrat-de-vente-maison” align=”center” _builder_version=”4.23.1″ _module_preset=”default” width=”80%” max_width=”100%” custom_margin=”30px||30px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Convinced? It’s time to negotiate! Discuss with the seller or the real estate agent whether the purchase price can be <\/span>lowered<\/b>. Put forward your arguments, such as the condition of the property and any factors that could justify a lower amount. Be careful not to negotiate too hard, though: the seller could simply refuse your offer!<\/span><\/p>\n Then draft a <\/span>purchase offer<\/b>. It can be worded however you like, but it’s best to do it in <\/span>writing<\/b>. It should include the price you are offering for the property, the <\/span>validity period<\/b> of your offer (generally 48 hours), the <\/span>address<\/b> of the property in question, your <\/span>name<\/b>, the <\/span>date<\/b>, and any <\/span>conditional clauses<\/b>. Add a conditional clause if you are taking out a loan: it will allow you to cancel the sale if your loan is refused.<\/span><\/p>\n During the validity period, the seller can <\/span>accept<\/b>, refuse your offer, or propose a counteroffer with a different price. If the seller accepts, or if you accept the counteroffer, you are now <\/span>committed<\/b> to purchasing their property.<\/span><\/p>\n A <\/span>preliminary sale agreement<\/b> is then signed, either at the real estate agency or at your notary’s office. This document serves as the basis the notary will later use to draw up the deed of sale. So be sure to check all the information carefully.<\/span><\/p>\n Careful: this agreement <\/span>obliges you to comply with all the conditions<\/b> stated in it. If you back out of buying the property, for example, the seller could ask you for <\/span>compensation<\/b> of 10% of the sale price, or seek a <\/span>forced sale<\/b>.<\/span><\/p>\n Have you got the signed preliminary sale agreement? Send it directly to your banker. They will take care of the documents relating to your mortgage loan and send them to your notary.<\/span><\/p>\n [\/et_pb_text][et_pb_image src=”https:\/\/www.easy-estate.be\/wp-content\/uploads\/2024\/03\/demenagement-dans-nouvelle-maison.jpg” alt=”Papa et maman tenant la main d’une petite fille et d’un petit gar\u00e7on avec des cartons de d\u00e9m\u00e9nagement” title_text=”demenagement-dans-nouvelle-maison” align=”center” _builder_version=”4.23.1″ _module_preset=”default” width=”80%” max_width=”100%” custom_margin=”30px||30px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n The final step in buying a property is to <\/span>sign the deed of sale<\/b> at the notary’s office. The notary <\/span>prepares all the documents<\/b> and carries out all the necessary <\/span>administrative checks<\/b> to ensure the sale is compliant and takes place under the best conditions.<\/span><\/p>\n At the appointment, the parties involved (sellers and buyers) and the notary are present. The notary <\/span>reads the deed of sale<\/b> aloud, explains the various <\/span>clauses<\/b>, and makes sure everything is correct. Both parties then <\/span>sign<\/b> the documents. You <\/span>receive the keys<\/b> to your new house or apartment and are finally the <\/span>owner of the property<\/b>!<\/span><\/p>\n Looking to acquire a property<\/a>? Trust <\/span>EASY Estate<\/b><\/a>, your reliable real estate agency! Benefit from our <\/span>expertise<\/b> and our <\/span>experience<\/b> of the local property market. We help you <\/span>find the<\/b> house<\/a>, <\/span>apartment<\/b><\/a>, <\/span>or plot of land<\/a><\/b> of your dreams in the province of Li\u00e8ge<\/b>!<\/span><\/p>\n [\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjEwNTMzIn19@” button_text=”Contact our real estate agents” button_alignment=”center” admin_label=”Bouton” _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”30px||30px||false|false” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” _dynamic_attributes=”button_url” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" To buy a house in Belgium with complete peace of mind, you\u2019ll need to follow a few key steps. Find out what they are in this article.<\/p>\n","protected":false},"author":6,"featured_media":10903,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":" Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.<\/p> Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?<\/p> At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores et quas molestias excepturi sint occaecati cupiditate non provident, similique sunt in culpa qui officia deserunt mollitia animi, id est laborum et dolorum fuga. Et harum quidem rerum facilis est et expedita distinctio. Nam libero tempore, cum soluta nobis est eligendi optio cumque nihil impedit quo minus id quod maxime placeat facere possimus, omnis voluptas assumenda est, omnis dolor repellendus. Temporibus autem quibusdam et aut officiis debitis aut rerum necessitatibus saepe eveniet ut et voluptates repudiandae sint et molestiae non recusandae. Itaque earum rerum hic tenetur a sapiente delectus, ut aut reiciendis voluptatibus maiores alias consequatur aut perferendis doloribus asperiores repellat.<\/p>","_et_gb_content_width":"","footnotes":""},"categories":[68],"tags":[],"class_list":["post-10902","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils"],"yoast_head":"\n1. Set your budget for buying your property<\/strong><\/h2>\n
Estimating your own funds<\/strong><\/h3>\n
Estimating the costs<\/strong><\/h3>\n
Applying for a mortgage loan at the bank<\/strong><\/h3>\n
2. Search for a property<\/strong><\/h2>\n
Defining your search criteria<\/strong><\/h3>\n
Searching for property listings<\/strong><\/h3>\n
Working with a real estate agent<\/strong><\/h3>\n
3. Visit the properties<\/span><\/h2>\n
Visiting the property<\/strong><\/h3>\n
Second visit before making an offer<\/strong><\/h3>\n
4. Make an offer to purchase<\/strong><\/h2>\n
Price negotiation<\/strong><\/h3>\n
Drafting the purchase offer<\/strong><\/h3>\n
5. Sign the preliminary sale agreement<\/strong><\/h2>\n
Drafting and signing the agreement<\/strong><\/h3>\n
Sending the administrative documents<\/strong><\/h3>\n
6. Sign the deed of sale at the notary’s office<\/strong><\/h2>\n
EASY Estate supports you in your property purchase<\/span><\/h2>\n