I want to buy a house. First step?

Already know you want to buy a house and have all decisions made? Need financing? Use the credit intermediaries of Poupança no Minuto. Or understand first what you should do before moving forward with the search, then.

First: Making decisions about what you want and prefer

When making the decision to buy a house, you need to decide on many other related issues. Even if you don't decide 100% on everything, have some ideas about needs and preferences.

This is: Define an area where you want to live, specific locations, details about the home such as property type (apartment or villa), number of rooms, floor, need for terrace/balcony, garage, elevator, among others.   

Take into account various aspects, considering the future as well: Is this a house you want to live in temporarily or a future home? If it is a long-term residence, and for example, you want to have children, consider that the house will need to have more bedrooms.

Regarding location, consider that a house in a good location is subject to a higher Property Municipal Tax (IMI) value.

If you establish these requirements beforehand, it will be easier to search (and find) the perfect house.

Afterwards: You can help by contacting a real estate agency.

The next step may involve asking for help from a real estate agency. Having a real estate consultant with you can help you throughout the entire process, closely accompanying you with their market and area expertise.

A real estate agency can:

• Search and find the property that suits you;  
• Helping you with the necessary documentation for the acquisition process.  
• Negotiate purchase price with the owner;
• Guide you through the entire process with their extensive knowledge.

Hiring a real estate agency has an associated cost: a commission that can vary between 3% to 5%, but the advantages can be worth it.

Finally: Make an offer to purchase the property.

Also, to make an offer to buy the house you want to acquire, it may make sense to have a real estate agency by your side. The real estate consultant with market knowledge can advise you on the minimum value you can propose and help negotiate the value with the owner.

This is because making the right and coherent proposal can also help you secure the property you want to stay in. Since currently, the supply is low, there may be other buyers. And having a real estate consultant by your side, they can consult with the seller to understand their expectations when selling the property and proceed with a proposal that meets what they expect.

Want to take the first step with confidence? Before moving forward, it's important to understand how much you can spend and what the monthly installment will be. Savings intermediaries in a minute help you analyze financing options and make informed decisions, free of charge and without complications.