Buy your first house on your own
Today, women often only buy a house. Women without a partner, but with a good job. Buying a house on your own requires a lot of independence: after all, you have to arrange everything yourself. Fortunately our Miss Tzaddy also just bought a house and turns you all her (legal) tips and trics.
Lesson one: Start your research well in time. Not only where you want to live and in what a house, but also do – correct – research into the mortgage costs and mortgage interest from different mortgage lenders. Then call an orientation interview with a mortgage advisor at interesting mortgage providers. Just read in advance a bit, and inquire about colleagues, friends or family members with a household home. This way you can immediately ask your questions during the conversation.
Going once going Twice…
Already in the third view I knew it: this was the home that I had to buy and would buy. It was love at first sight, and I am then ready to make that home mine. I released a bid on which the seller did a counter offer. I agree by telephone, but I still had to confirm this by e-mail (in writing). Tip: Allow everything about and again in writing (by mail). This way you can prove your legal position if necessary. You can also record phone calls with the Tape A Call app.
The next step was the signing of the purchase agreement. I received it by e-mail a few days after accepting the counter offer. Enclosed the request if I wanted to sign the purchase agreement within a few days at the broker’s office. I did not agree with that: I may be lawyer, but I am not an expert in houses I am not. Know what you sign! Purchase agreements are often difficult to read and understand. Sometimes even the law and / or judicial statements are needed to understand a clause. That’s why I engaged an expert: Miss Noëlle. I advise everyone to do the same.
Instead of signing the purchase agreement during the appointment with the broker, I asked to adjust the contract to a number of points. Buying a house is a negotiation, not a one-sided agreement! The broker was quite nervous, and wanted to plan a new appointment as soon as possible to draw the contract. During that new appointment, the adjustments to the contract were discussed with me, and I was finally ready to draw.