Make a mortgage - Find accommodation

Real Estate Loan

How to find an apartment or a house? Rkenney Law gives you some practical advice ...

Determine the geographical area of ​​your search

City, suburbs, countryside, Paris, province ... whatever the place you choose it will inevitably be a compromise between your needs and the possibilities offered . For example, looking for an apartment in a building surrounded by green spaces is a good idea but the prices will be very high ...
The distance from your workplace can have a very strong impact on your budget: having to take the car or the train. The additional costs due to the means of transport are elements to be taken into account in establishing your budget.

The environment

Depending on your family situation, your needs may be very different. You have small children, the proximity of a nursery or a primary school is a decisive point. If you come home late from work, check the opening hours of nearby shops or supermarkets. Other elements such as green spaces or sports centers can also be taken into consideration when making your choice.

List the needs that you think are essential.

It's up to you, but there are things you are adamant about!
Selected songs ... Non-exhaustive list!
- an apartment yes but especially not on the ground floor ...
- no private parking? I'm giving up...
- a view of a cemetery? do you want me dead?
- the station is much too far ... and of course its opposite ... the station is much too close!
- especially no carpet ... I am allergic to dust mites!
- I hate this district, it is too noisy at night with this crossroads ...

Determine the type of accommodation

Apartment or house? It is certain that the majority of French people see themselves well in a detached house surrounded by a small garden. If the vision is idyllic ... the reality is less so because being the owner of a private house also has a large number of constraints.

Determine its characteristics

Number of rooms , presence of an elevator if you are aiming for accommodation on the 3rd floor (think about the packages to be taken up when you come back from the races).
Apartment habitable immediately or with work (additional budget from ...)
Type of heating electric, gas, fuel oil, geothermal

If in doubt, do not hesitate to ask your "future neighbors" about the advantages and / or nuisances of the neighborhood, the building, the city or even the real cost of monthly charges ...
Little advice, meet at key times in the chosen place to check how it goes in reality: around 8 am or 7 pm in the evening. You may discover that this charming little street with little traffic is in fact completely blocked in the morning between 7:30 am and 8:30 am, that it is under an air corridor or that the rooms are very poorly soundproofed!

A loan commits you and must be repaid.
Check your repayment capacity before you commit.

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