Step 1: Define your needs and budget
Go see your bank
No need to start making plans until you know exactly how much money you have. A first meeting with the banker will help you see things more clearly. He will look with you at what is your borrowing capacity. Generally, a bank considers that the debt ratio of the borrower must not exceed 33% of annual income. Thereupon, she will inform you about the additional costs often forgotten as Insurance, the servicing of the land, the notary fees etc ...
This Article, explains how to calculate the amount of your monthly mortgage payments
Define your needs
At this stage, it is still possible to dream a little bit. Set the Number of pieces minimums you need in your home, and its ideal surface. Then imagine the number of square meters that you would like to allocate to your living room. Then think about the things you love: a open or closed kitchen, convertible attic, storey building or single storey. Make a list of essential items and a list of things you could do without but that you want. Also consider your sources of energy. Do you prefer a Electric heating, central heating etc… All these elements will be useful to you when you go to see a builder or an architect.
Step 2: Find building land
Find the land of your dreams
Location, orientation, vegetation, elevation, view, etc… The criteria that can lead you to choose a site for build in the Southwest are many. Some of these highly sought-after qualities will of course influence its price.
Word of mouth, walks, classified ads, Real estate agencies ou builders, there are many ways to find land. You can also contact the town hall.
The town planning certificate and the PLU
Available at the town hall, these two essential elements inform you about the feasibility of the project and the town planning rules that apply to the terrain you have in mind. Indeed, having land does not give you all the constructive freedoms. There building height, location on the ground, materials, number of m2, all of this can be regulated.
Mediafixer construction professionals like individual home builders can help you define your project and understand the rules that apply.
Step 3: Choose the professionals
The home builder
This is the simplest and most popular solution in France. Framed by the individual house construction contract ou CCMI, he must deliver a house on time and at the agreed price. single contact of the future owner, he oversees the entire project, from the search for land à drawing up plans through the choice of service providers, or the building permit filing.
To contact the builder Maisons Sic, click here.
The architect is mandatory for houses over 150 m2
THEarchitect has the same mission as the individual house builder. He monitors the site and accepts the works. The client signs with him a project management contract. However, even if he is accompanied by the architect, it is up to the client to sign the contracts with the various companies that will carry out the work.
Step 4 Soil study
It is about knowing the type of soil to adapt the foundations of the future home. An important step that allows you to better plan your budget and guarantee the sustainability of the construction.
Step 5 Get your mortgage
With your plan and estimate, you can go see your banker to set up a loan file. Find out about the different loans available to you. Do not hesitate to go to several banks or call on a real estate loan broker to get the best rates.
Step 6 Administrative acts
Signing of the sales agreement
The buyer first signs a land sale agreement with the seller. By this document, signed before notary, the buyer undertakes to buy the land if the suspensive clauses are lifted. Generally, this will be obtaining the mortgage loan and permission.
Signature of the contract for the construction of a detached house
Le CCMI is the contract between the builder and the individual. In this way, the manufacturer undertakes to deliver a project in a agreed deadline, on the base du plan elaborated. The individual can reserve certain works that he wishes to carry out himself.
Submit the building permit
When you buy land in order to build, you first sign a preliminary contract which will be a promise of sale or a preliminary sales agreement.. This generally includes a condition precedent relating to obtaining the building permit. Even though you are not yet the owner of the land, this agreement allows you to submit a request to the town hall where the land is located. THE examination period is in principle two months.
Signature of the authentic deed
Once the building permit has been validated and the loan obtained, the buyer and the seller of the land return to see the notary to sign theact authentic. The buyer is then the definitive owner of the land.
Following this article on the main steps to build your detached house in the Southwest.
From the first stone to the reception
You have decided to build your detached house in the South West. pass cried to the achievement, is both a joyful and disturbing moment. Of Big work au finishing work, each phase of the construction is important. It is of these different steps that will come the solidity, the comfort and the performances of the house.
To help its customers better understand the progress of a construction site, Maisons SIC, builder of individual houses in the South West recreated on a scale 1, the stages of the construction of a detached house in the South-West.
Phase 1: The structural work, birth of the volume of the house
During the structural work, the house really takes shape. Walls, framework, roofing, the structural work brings together everything that contributes to the solidity and stability of the building.
1st step: treat the base to avoid cracks
Invisible and yet primordial, foundations support the weight of the house. Their depth and their nature vary depending on the terrain. There are different types of foundations, the most common being the sole continuous concrete or continuous footing. Adapted to resistant and relatively flat soils, it takes place in a shallow trench (from 50 cm to 1 m). To adapt to sloping land, manufacturers can opt for stepped foundations.
The manufacturer makes every effort to avoid differential settlements which are one of the main causes of cracks, as shown Construction Quality Agency in this document on pathologies of shallow foundations.
The basement and the crawl space
These are the first rows of concrete blocks, bricks or stones that rest on the foundations and are placed under the From. The height differs depending on whether you want the ground floor slab to rest on a basement, a crawlspace or directly on the foundations. The creation of a basement has many advantages, but is an expensive operation. More economical, the crawl space separates the floor from the ground, which avoids the risk of compaction or cracks that are frequent on certain floors. THE clay soils in particular, frequent in Toulouse region, swell or shrink depending on the humidity, as indicated by this Logic-Immo article. The house is also more healthy since, associated with a watertight barrier placed on the basement, crawl space block them capillary rise.
2th step: Insulate, pour the slab and place the networks and the sanitation
Avant to pour the slab, it is necessary to set up, the cables ofpower supply as well as water inlets and the pipessewage disposal and sewage. From this stage, the slopes are planned and respected to guarantee perfect flow over time.
House Sic, pays particular attention to this crucial step. The pipes are thus temporarily blocked to prevent the rubble from falling inside during the work.
3rd step: raising the load-bearing walls
Mediafixer walls then rise according to the planned plans, with the reservations for the different doors and windows. The thresholds and window sills are put in place as well as the lintels, which retain the load above the joinery. At Maison Sic, builder de Toulouse à Bordeaux , the walls are reinforced with a reinforced concrete belt in the upper part. Tied to a level on the gable walls, they aim to avoid the risk of cracking related to the pressure of frame.
4th Step: Design the roof
La frame is usually in wood and sometimes in metal. Supporting the roof, the so-called traditional frame consists of farms, purlins and rafters that transmit the weight of the roof to the load-bearing walls. The frames at industrial farmhouses, are widely used today in new construction. Made up of thinner pieces of wood than traditional trusses, trusses offer a strong resistance thanks to their triangle-shaped design. They occupy a large area in the roof space who are then uninhabitable. Offering a good resistance/lightness ratio, they distribute the loads well, which avoids any deformation of the roof.
- The roof
+A sloping roof
As soon as the framework is finished, and a under roof screen installed, a roofer comes to lay the terracotta tiles, where the slates in the most frequent cases. The material chosen is a matter of taste but also of thelocal architecture, climate and regulations.
Terracotta is the most widely used roofing material. Durable and resistant, especially to frost, terracotta tiles come in different shapes and colors depending on regional specificities.
Slates are also very common in some areas, especially in mountainous areas such as the Pyrenees. Of great longevity, they are particularly resistant to bad weather.
+ Terrace roofs
Made up of a single, very gentle slope, the roof terraces increase the number of square meters of a house. Covered with gravel, tile or vegetated, they can, if they are accessible, offer a new outdoor living space. The design and implementation must be particularly careful to avoid infiltration
5th step: laying the joinery
Both windows and doors require special care during installation. Even the best performing windows will leak if not installed properly.
Phase 2: the finishing work, fitting out and equipping the house
Now out of water, out of air, the house is entering its second phase of work which aims to make it habitable. Interior fittings, insulation, plastering, coatings, plumbing, electricity, the finishing work includes all the work aimed at fitting out and equipping the house.
1st step: Insulate the detached house in the South-West
- Thermal insulation
As energy is more and more expensive, saving it has become essential. As La Dépêche du Midi explains in this article. Placed on the exterior walls of the house (roof, exterior walls, ground floor slab), theisolation has for missionavoid heat loss of a detached house. The more the insulation will be performances, the more your house will be economic in use. In the long term, the initial investment will thus be largely compensated. The manufacturer's attention will be focused on tracking down thermal bridges. This is to avoid points of contact between warm indoor air and an uninsulated cold surface.
If it is possible to make todayexterior insulation, in France, the insulation is generally done by theshooting.
– Sound insulation, think about it when you build your detached house
Implementation between floors but also in the interior partitions of the house, a sound insulation aims to mitigate the sound transmission between two rooms of the dwelling in order to guarantee the tranquility and privacy of the inhabitants.
2th step: Plumbing and electricity
Installed before laying the plasterboard, the networks (Electricity supply, heating, Hot water, cold water), are hidden from view in the partitions. THE'electrician will come back after the intervention of the drywaller for installing sockets, switches and lighting points.
3th step: Interior partition and plastering
The now insulated walls and ceiling are then covered with plaster. Finally come the interior partitions which allow the future house to appear more clearly.
4th stage: Heating, air conditioning, production of domestic hot water and ventilation
– Installation of equipment
The installation of the systems heating and domestic hot water production must be done according to the rules. Modern amenities like thermodynamic water heater or heat pumps, must guarantee energy savings and a good level of comfort. In particular, care must be taken to ensure that there is no noise, both indoors and outdoors.
– Installation of heat emitters
In addition to conventional radiators, it is also possible to install a floor heating. This one can be electric or to Hot water. The elements of these systems are placed on the insulation of the ground floor and embedded in the screed which will be used to receive the floor finish.
5th stage: Electricity generation
The South West is a sunny region. When you build your detached house, you have to take advantage of it. THE photovoltaic panels produce electricity from solar energy. They settle on the roof.
6th step: The facade finishing plaster
The latter is not only used to beautify the appearance of the detached house. It is also responsible for protect sustainably the facades bad weather. The application of the coating requires a certain know-how to avoid cracks and possible infiltrations which can damage the building. On certain strategic points, such as the connections between joinery and masonry, builders implement a trellis. It prevents cracking of the roughcast due to differences in expansion of the material or vibrations of the coffers. roller shutters.