Investing in real estate as a couple is no small feat. Building your house as a couple requires particularly good support, from the beginning to the end of your project. From assessing the financial situation to negotiating the mortgage loan, including finding land and monitoring the construction site, each step is complex. Getting support from an experienced professional like Maisons SIC can then be an undeniable asset.
How to prepare for buying a house as a couple?
Buying a home as a couple is a major commitment that requires careful and concerted preparation. Here are some key steps to approach this project with confidence and clarity.
Define your real estate project as a couple
First, discuss together what type of home would best suit your needs. Here are some options to consider:
- Type of construction : do you prefer a house with two floors, on one level, or in wood?
- Special features : is a terrace or a garage essential for you?
- Number of pieces : how many rooms and functional spaces are you planning?
Also consider location. Proximity to amenities, schools and the type of neighborhood desired are important factors. Finally, set a surface area and a target budget. This will make your searches easier and allow you to filter the options efficiently.
Home for a couple: assess your financial situation, resources and budget
Before you embark on buying a house as a couple, an accurate assessment of your financial situation is crucial. Determine your personal contributions and your borrowing capacity. Then, analyze your current charges to estimate the monthly budget that you can allocate to your property loan.
Here are some practical tips for managing your budget:
- Monthly Budget : Use loan simulators to anticipate the amount of your monthly payments.
- Personal contribution : Increasing your personal contribution can significantly reduce your loan interest. Save money by reducing your unnecessary expenses and putting money aside regularly.
- Additional costs : Don't forget to include notary fees, possible work or renovation costs, and annual taxes in your financial planning.
By taking these aspects into account, buying a home as a couple will be less intimidating and more structured. This will allow you to build a home that meets your expectations while managing your finances prudently.
How to finance the construction of your house as a couple?
Financing the construction of your home as a couple can seem complex, but with proper preparation and expert advice, you can navigate this process with peace of mind.
Maisons SIC, specialist in house construction in the South-West for 50 years, provides its customers with real estate loan broker services to facilitate this journey. Here are the key steps to secure financing for your real estate project.
- Also read: Building a house: why use a mortgage broker?
Obtain a real estate loan simulation
The first step in finding financing for a home as a couple is to contact several banks or brokers to obtain a real estate loan simulation. These simulations will help you compare offers and negotiate the best possible conditions.
Each proposal must be carefully evaluated to understand interest rates, processing fees, and repayment terms. It is also essential to obtain a certificate of borrowing capacity, which will prove to sellers and builders your seriousness and your financial capacity.
Build a solid file for the construction of your house as a couple
For successful financing, your loan file must be impeccable. This file includes your proof of identity, your proof of income, as well as a financial statement detailing your current financial situation. It is also crucial to provide precise details on your professional situation to reassure lenders about your economic stability. A good presentation of your real estate project, in particular the choice to build with Maisons SIC, will strengthen the banks' confidence in your investment.
To maximize your chances of obtaining favorable loan terms, it is advisable to negotiate with several banking establishments.
Support from a broker, such as those offered by Maisons SIC, can be decisive. These professionals have the expertise to negotiate attractive rates and tailor loan terms to your specific needs.
Urban artist a significant personal contribution can often positively influence loan terms, reducing risk for the lender.
Understand the aids and devices available
There are several aids and devices that can reduce the cost of your project. The real estate loan for social accession (PAS) is an option that can offer advantageous loan conditions for low-income households.
In addition, you could benefit from a home savings loan (CEL and PEL). They allow, if you have opened a Housing Savings Account (CEL) or a Housing Savings Plan (PEL) with your bank, to access a loan at a regulated rate.
The amount of this loan depends on the interest you have accumulated as well as the duration of your savings. For those who benefit from a home savings loan on a PEL or CEL opened before 2018, a State bonus may be granted.
Also find out on the possibilities of local subsidies or tax credits for sustainable construction.
By following these steps and relying on brokerage services of Maisons SIC, you will put all the chances on your side to effectively finance the construction of your house as a couple.
This partnership with real estate loan experts assures you complete and personalized support for your construction project, from design to financing.
Building a house as a couple: specifics depending on marital status
Buying a house as a couple varies significantly depending on marital status. Understanding these differences is crucial to securing your investment and protecting both parties.
Buying a house as a married couple
For married couples, the manner in which property is owned depends largely on the matrimonial regime chosen.
If you are under the regime of the community reduced to acquisitions, property acquired after marriage is considered common, with exceptions.
En property separation regime, each spouse remains the owner of what they buy.
This distinction directly influences the management of property in the event of separation and the tax implications, particularly for inheritance tax, where the surviving spouse is often better protected.
Buying a house as a civil partner
Couples in civil partnerships must pay particular attention to the drafting of their PACS agreement.
This document may stipulate that the property acquired together is managed under the regime of joint ownership or according to a distribution of shares which may be different from half and half.
In the event of separation, the PACS agreement facilitates the procedure for sharing property, thus offering some protection for the spouse. It is also possible to include specific clauses for the protection of the partner in the event of death.
Buying a house in cohabitation
For unmarried and non-partnered couples, no specific legal status does not govern the purchase of a house. This means that each partner is individually owns his share of the house, depending on what they have invested or agreed.
To secure this investment, it is essential to draw up a joint ownership agreement. This document will define the shares of each partner and the terms of management, use and sale of the real estate.
The drafting of such an agreement may also provide provisions in the event of separation or death of one of the partners.
In each case, it is recommended to consult a notary or real estate law expert to ensure that all legal aspects are covered. This ensures that each partner is protected and that the property is managed fairly.
- Read also: How to successfully build your family home?
Call on the professionals: the experts of Maisons SIC to guide you through your home as a couple
When you plan to build a house as a couple, choosing the right partner is crucial to transform this project into a serene and joyful adventure.
At Maisons SIC, a house builder in the South West for over 50 years, we understand the importance of this step in your life. We are here to guide you through each phase of building your home as a couple.
From the start, our experts will assist you with find the ideal land, taking into account your preferences and the technical aspects necessary for a successful construction.
Our design office internal, composed of architects and designers, then works with you to develop plans for your dream home. This proximity allows us to personalize your future home according to your desires and to respond quickly to all your requests.
Site monitoring is a crucial step that we master with care. We know that building a house as a couple can be a source of stress; that is why Maisons SIC is committed to maintaining clear and regular communication, whether you are nearby or not. You will be involved at every stage of the project, which transforms construction into a serene and controlled journey.
We also carry particular attention to the quality of the work. Vigilance on the materials used, compliance with plans and specifications, as well as the requirement for compliance with safety standards are priorities for us. We anticipate potential hazards and additional costs to ensure that the project respects your budget and the defined schedule.
By choosing Maisons SIC for the construction of your house as a couple, you opt for expert support, dedicated to making this project a harmonious reality that reflects your image.
—
