First-time buyers

All articles on this topic

Most recent first.

• Buying at auction with a mortgage: what must be settled before bidding Bidding with a mortgage: ten questions before the session, the real time a loan takes, and what to do when the payment deadline is too short.
• Buying without a deposit in Lyon: in which cases is it still possible Buying without a deposit in Lyon: the profiles still financed, what the lender requires in compensation, and the six situations where the answer remains no.
• Down payment for a mortgage: how much is actually required, and how to prove it No minimum down payment threshold is imposed: what the down payment actually covers, what counts as a down payment, and how to prove its origin to the bank.
• Unlocking your PEE or PER to buy your main residence: a step-by-step guide Your PEE, and under certain conditions your PER, can be unlocked to buy your main residence: documents, timeline, net amount, and how the lender interprets it.
• Donation from parents for the down payment: ensuring the gift is recognised without delaying the application Family gift for the down payment: documents proving the origin of funds, what must be declared, and what to ask the notary before the transfer.
• Transfer duties in the Rhône: the exact calculation, and the first-time buyer rule nobody displays Notary fees in the Rhône: transfer duties at the right rate, in the Metropolis or the department, and the rule exempting first-time buyers from the increase.
• First-time buyer mortgage application: the 7 errors that lead to rejection, and how to correct them in time Overdrafts, consumer credit, change of employer, untraceable gift, badly set sale agreement: what can be fixed before submission, and how fast.
• Ancillary costs of a property purchase: the complete list of what is paid in addition to the price Deed costs, credit costs, property costs, installation costs: the four categories of costs added to the price, who calculates them, and who pays them.
• Notary fees for new-build properties: what you are actually paying, and when? In new builds, the tax falls, not the notary’s share. What remains due, the cases where the reduced rate does not apply, and when everything is paid.
• Family loan for the deposit: how to draft it, declare it and present it to the bank A family loan complements the deposit, but the bank counts it as a debt. How to draft it, declare it, choose the repayment schedule and present it.
• First-time buyer in Lyon: the real budget of a first purchase, line by line Transfer duties, notary fees, guarantee, down payment, works: the full cost of a first purchase in Lyon, item by item, with the cash flow schedule.