Home buying involves multiple factors

Purchasing a new home involves more than just financial considerations. Location, quality of the development, budget, amenities, energy performance, and contractual guarantees all require careful evaluation before signing any agreements. A structured approach can help avoid long-term disappointments, as a home that truly meets the needs of the household is typically more satisfying than one chosen on impulse.

Define the project's purpose

Before consulting developments, it is important to clearly define the project. Determine whether it is a primary residence, a rental investment, or a family home that may evolve over time. Outline the necessary surface area, number of rooms, and essential spaces—such as outdoor areas, parking, bicycle storage, and general storage—in writing in advance. Consider future changes in the household, such as a shift to remote work, the arrival of a child, or a job change.

Budgeting beyond the purchase price

The budget calculation should not be limited to the price of the home. It should also include acquisition costs, financing, loan insurance, parking, potential renovation costs, and co-ownership charges, which are often underestimated. Planning for unexpected events and verifying loan capacity with a professional beforehand is advisable.

Assessing the neighborhood

The neighborhood should be assessed beyond the postal address. Consider proximity to transport, shops, schools, green spaces, travel times, noise levels, and sunlight according to the time of day. Urban planning documents can provide insight into future changes in the environment, such as new infrastructure or zoning adjustments.

Reviewing contractual documents

Careful reading of contractual documents is essential. These should cover detailed plans, orientation, ceiling height, materials used, equipment included in the price, common areas, sound insulation, and parking solutions. Comparing several programs within the same urban area allows for a more refined judgment on location, plans, amenities, and delivery deadlines.

VEFA purchase process

The purchase in VEFA (sale in the future state of completion) follows a defined process. It includes a reservation contract, a final sales contract, and a payment schedule aligned with the progress of the work. It is important to check suspensive conditions and the estimated delivery deadline from the start. Several guarantees apply, including the guarantee of perfect completion, a two-year guarantee covering certain equipment, and a ten-year guarantee.

New construction regulations

The RE2020 regulations now govern new construction around three main objectives: reducing energy consumption, limiting the carbon impact of buildings, and improving comfort during periods of high heat. It is still judicious to focus on insulation, heating system, ventilation, and the orientation of the home. However, regulatory compliance does not mean the complete absence of energy costs, as the two are unrelated.