Factores a tener en cuenta a la hora de comprar un piso

Las tendencias del mercado en relación a la venta de pisos parecen ser muy positivas, y seguirá siendo así durante este año que acaba de comenzar. Sobre todo en las zonas residenciales, la compra de pisos está creciendo. Por ejemplo la venta pisos Pozuelo está aumentando a una velocidad increíble.

Por lo tanto podemos afirmar que es un buen momento para comprar una casa.

A la hora de comprar un piso, por un lado hay que tener cuidado y encontrar una financiación que se adecue a nuestras necesidades; por el otro lado, es importante elegir una propiedad que realmente nos guste y satisfaga las necesidades de nuestra familia, ya que pasaremos mucho tiempo en ella. En lo referente a las hipotecas, la comparación sigue siendo una de las estrategias más efectivas, para hacernos una idea y tener una visión general.

Sin embargo, muy a menudo subestimamos los costes de las propiedades: no es suficiente calcular el precio de la propiedad, ya que hay que añadir los impuestos honorarios y legales y las comisiones para el responsable de haber conseguido la venta.

Lo más normal es que haya que dejar un depósito, con el que los compradores nos comprometimos a dar al vendedor todo el dinero que le debemos; este dinero puede ser usado como indemnización en caso de incumplimiento del pago.

Antes de elegir la propiedad, es importante tratar de cuantificar los costes en los que se incurrirá a la hora de convertirse en propietario. Es que es importante recordar que tendremos que ocuparnos de los cargos de servicio y de los gastos extraordinarios. Y finalmente, no hay que olvidar que las casas requieren mantenimiento.

En el presupuesto de venta del piso, se deberían incluir los gastos para la posible reestructuración, muebles y fondos adicionales para las contingencias que pueden ocurrir.

Otro consejo, a la hora de comprar una casa, es no pedir un prestado que sea más elevado del 30% de nuestros ingresos, sumando todas las obligaciones pendientes de pago (el pago de coche, tarjeta de crédito, préstamos personales). Esto también  sirve para saber si encajamos en el perfil a la hora de pedir un préstamo, además de ayudarnos a tener un control sobre nuestros gastos.

Así mismo, hay que recordar que es mejor buscar el asesoramiento de un notario que nos aconseje, antes de comprar, para evitar sorpresas desagradables que a menudo crean problemas en el pago de la hipoteca. En la mayoría de los casos, el asesoramiento de expertos puede protegernos y ayudarnos a evitar problemas inesperados.

30 comentarios en “Factores a tener en cuenta a la hora de comprar un piso

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