To conclude the purchase of a house of your choosing we follow a procedure that can be summarized in four steps:

1st step - Analysis of the financement request :

To analyze the potential for enabling  financement we require among other conditions three documents:

• Income Receipts from the past 2 months
• Werekgeversverklaring 
• Passport copy 

With these documents we can analyze the possibilities for purchase, and we can also calculate the amount the bank will be willing to finance.

While making the finance plan it is necessary to calculate your Effort Rate, which is the relation between the monthly payments for the first years corresponding to the capital "amortization?" and the interest that fall upon your yearly raw income. 

2nd step - Choosing your home :

Santos Makelaardij will follow and advise you in your search for your new home. We will take into consideration the following aspects and procedures: 

• The geographical area where you want to live, considering all aspects relating to the existing social equipment, such as doctors, hospitals, schools, fire departments, public transportation, green areas, supermarkets, etc.
• The range of housing prices in the chosen area, in order to prepare for negotiations.
• Visiting the house several times and at different hours to ascertain its state of conservation and its natural lighting conditions.
• Room size, to study what kind of layout and functionality the house can have. 
• To analyze the security of the house a qualified inspector will be sent.ate He will evaluate the status of conservation and security of the house. (to view more information about house evaluation click here) 
• The quality of the materials, such as: pavements, doors, windows, wall tiles, power outlets, switches, elevators, locks, interior and exterior painting, status of the walls, etc. 
• Condominium: if its active, and what plans it has. 
• Verifying the power tag. (Click here to know more) 
• Pricing the real estate. 
• Negotiating the price. 
• Elaborating a purchasing contract. 

3rd step: Financing:

4th step: Notarization phase:

Upon the closing of the final contract, the bank will release the authorized ammount, allowing the buyer to pay the price stipulated in the contract to the seller, and all costs inherent to the purchase (as referred above). 
 
But our job does not end here. Our work philosophy and our professional ethics binds us to a constant assistance to our clients. As one of our clients you have our support, both before and after the sale, relating to all physical and beaurocratic aspects.