Buying new accommodation starts with three choices: a suitable location, a realistic overall budget and a delivery date compatible with your project. The price displayed is not enough to compare two programs. The plan, expenses during construction, funding terms and guarantees of the proponent must also be reviewed before booking.
Selecting accommodation, not just an attractive program
A new real estate programme refers to an operation involving several housing units, sometimes built in blocks. You can buy an apartment or house there, on a plan or already completed. Another project involves a building site: its price does not necessarily include construction, connections or exterior developments.
Estimate the overall cost of a new purchase
Inform your amounts to get an estimate of the budget and your monthly loan.
Purchase and installation budget
Estimated loan
Estimated overall budget: —
The overall budget adds together the items seized and the estimated interest. Borrowed capital is used to calculate the loan and is not added to the budget for a second time. Monthly calculated without insurance, according to formula M = P × i / (1 - (1 + i)-n). The costs, loan conditions and any aid must be confirmed with the professionals concerned.
In order to search effectively, inform the municipality, the acceptable neighbourhoods, the number of rooms, the maximum budget and the desired moving period. Specialized portals, such as SeLoger Neuf, Immoneuf or Find-un-housing-neuf, help identify offers. Activate custom alerts to receive new products, then directly confirm the availability of the lot and its price.
Compare offers on the same basis
Ask for the listed plan, description, detailed price and schedule. One rate « from » corresponds to a specific dwelling, not necessarily on the floor, the exposure or the surface that interests you. Also check if parking is included or sold separately.
| Criteria | Point to be checked |
|---|---|
| All locations | Existing transport, shops, nuisances and neighbouring projects |
| Plan | Really convertible surface, storage, circulation and orientation |
| Total price | Parking, options, kitchen and purchase costs |
| Shipping | Contract period and consequences of a lag |
| Daily use | Forecast charges, heating, access and maintenance |
Think of your future housing as the center of a daily orbit: work, school, shopping, family and care work around it. Test these trips at actual times rather than just measuring distances. A slightly smaller apartment, but located on simple routes, can better meet your needs than a spacious accommodation imposing several connections or a second car.
Calculate the actual cost before relying on the aid
The right budget includes purchase and waiting period before moving in. Add housing prices, acquisition fees, credit charges, borrower insurance, options and equipment not included. Keep a reserve for the move and a possible overlap between your current and new housing.
Simulate your zero-rate loan and discover eligibility conditions · Estimate your PTZ and check the main conditions of access, reimbursement and eligibility to finance your housing.
Notary fees are generally reduced in the nine. Some offers highlight an amount of 2% of the sale price or even the fees offered. Do not, however, use this figure as a guaranteed ceiling: ask the notary for a calculation specific to the property and check the exact scope of the commercial offer.
Confirm PTZ and reduced VAT
The zero-rate loan can complement the financing of a principal residence under conditions. Its access and amount depends in particular on your situation, your resources, housing and the rules applicable to your operation. A PTZ simulator gives an initial estimate, but only the file review confirms the funding.
The reduced VAT also applies to certain operations subject to conditions, including location, resources and occupation. Have your eligibility specified in writing and the possible consequences of early resale. An advertisement aid does not automatically apply to all buyers.
Compare credits beyond the posted rate
Evaluate your borrowing capacity before booking, then form the final file as soon as the project documents are available. Some comparators report that they consult more than 100 banks: check the establishments actually requested and the service charges. Compare the total cost, insurance, guarantees, release arrangements and flexibility of the refund.
Master the VEFA route and payments during the construction site
The VEFA, or sale in future state of completion, allows to buy a dwelling that is not yet finished. You are committed to contractual documents: their accuracy counts more than presentation images. A new accommodation already completed follows a different schedule, with the possibility to visit the property before the purchase.
- Reservation: Review the price, plans, package leaflet, forecast period, suspensive conditions and the terms of the possible security deposit.
- Funding: forward the coins to the bank and follow the deadlines set out in the contract.
- Authentic act: the notary formalizes the sale when the necessary conditions are met and explains to you the final commitments.
- Construction: payments are made gradually according to progress and calls for funds.
- Delivery: you control the accommodation before the keys are handed over and record any anomalies found.
As Action Logement explains in its VEFA purchase route, calls for funds lead to successive release of the loan. During this period, you can pay interest, calculated on the amounts released, as well as borrower insurance contributions. These expenses can be added to your current rent.
Ask for a cash simulation covering the entire construction, with a delay hypothesis. The full repayment of the capital often starts at the end of the release, around the delivery, but it depends on the banking setup. Include the terms and conditions in your loan offer rather than assume that all monthly payments will wait for the keys.
Verify the sponsor and prepare a demanding delivery
Before signing, find out about the operations already delivered by the proponent, the quality of the exchanges and the processing of the reserves. Ask for proof of the applicable guarantees and insurances, including the financial guarantee of completion in VEFA. Have the notary explain their scope: a financial guarantee does not cover all the inconveniences of a delay.
The labels and certifications must be identifiable and correspond to the operation purchased. Also check applicable environmental regulations, heating equipment and estimated loads. The nine can limit immediate work compared to the old, without guaranteeing low loads or absence of defects.
Control property with contractual documents
During the delivery visit, bring the plans, the descriptive notice and the amendments relating to the options. Examine the dimensions, coatings, carpentry, equipment and services promised. Test what can be and accurately note the defects in the report, with photographs. You can be accompanied by a professional.
Do not confuse delivery to the purchaser with the receipt of work between the contractor and the undertakings. The guarantees of perfect completion, good functioning and ten years have distinct objects and durations. Ask for dates, certificates and contact information to report a disorder.
Buying to live or invest: two different decisions
For a main residence, prefer to use: travel, comfort, family development and bearable monthly payments. Check the customization possibilities, their price and the deadline for applications. A change in partition or socket shall be validated in writing, with its possible consequences on the schedule.
For a rental investment, start from the demand of the neighborhood and a realistic rent. Integrate non-recoverable expenses, property tax, management, insurance and periods without tenant. A possible tax reduction does not compensate an excessive price; check that a device is actually open and suitable for your operation.
Before booking, combine three elements: full costing, credible funding and consistent contractual documents. Then ask for a detailed proposal on the housing selected. This will compare goods that are actually accessible, rather than calling prices or still uncertain benefits.