If you are thinking about buying a house, you may have some questions. For example, is it better to buy or build a house? It is important that you find the answer to all the questions. You must make a considered choice, as this could be the biggest investment of your life and a long-term burden.<\/p>\n
Evaluate the positive and negative aspects of each solution, only then can you make a conscious and informed decision. In this article, we will show you some advantages and disadvantages<\/b><\/strong> of each of the options.<\/p>\n <\/p>\n When we talk about buying a house<\/a>, we think about purchasing a property ready for dwell. Or, as a last resort, it needs some renovation work<\/b><\/strong>. Even subject to fluctuations in the supply and demand market, this is the preferred option for the Portuguese. In the vast majority of cases using bank financing. <\/b><\/strong><\/p>\n <\/p>\n 1. Even if you use housing credit<\/a>, the business requires less bureaucracy<\/b><\/strong>;<\/p>\n 2. The process is faster and, if you comply with the requirements imposed by the bank, it guarantees you access to around 80% to 90% of the funds needed for the purchase;<\/p>\n 3. Once the acquisition is complete, if the property is ready to live in, you can move in within a few days;<\/p>\n 4. It does not require as much time and availability from the buyer.<\/p>\n <\/p>\n 1. You depend on the offer to choose the location of your home;<\/p>\n 2. You cannot change the structure, organization, finishes and functionalities of the house, unless you opt for structural works;<\/p>\n 3. If the property was built more than ten years ago, you are not entitled to any guarantee from the contractor;<\/p>\n 4. You are subject to payment of costs associated with housing credit, such as Stamp Tax<\/b><\/strong>, and others, such as IMT<\/b>< \/strong>, superior when compared to construction work;<\/p>\n 5. You must have at least 10% of the value of the property as a down payment.<\/p>\n <\/p>\n Having the possibility of building the house you have always dreamed of could be within your reach. In fact, in some situations this option becomes less expensive than purchasing a property. Let’s see:<\/p>\n <\/p>\n 1. Possibility of build the house<\/a> to your liking;<\/p>\n 2. You can choose the area where you want to live, depending on the availability of land;<\/p>\n 3. All decisions depend on you, so it is easier to avoid real estate speculation<\/b><\/strong>and save money on the construction process;<\/p>\n 4. Bank credit conditions are more beneficial if you want to build a house, with longer financing terms;<\/p>\n 5. The IMT is lower when compared to buying a house, whether for new construction or rehabilitation;<\/p>\n 6. It has a construction guarantee of up to ten years.<\/p>\n <\/p>\n 1. Longer and slower process. To be able to build, you must have council approval<\/b><\/strong> for your project;<\/p>\n 2. Not all land has authorization for construction<\/b><\/strong>, which may escape less informed people. Take precautions to ensure there are no unpleasant surprises;<\/p>\n 3. Credit approval for construction financing is more complex; 5. If the work takes longer than expected, it may have an impact on financing, particularly on the amount of interest. To protect yourself, define completion deadlines and penalties for potential delays;<\/p>\n 6. Unlike what happens when buying a house, in construction there are additional costs with licenses<\/b><\/strong>, authorizations<\/b><\/strong>and project<\/b><\/strong>.<\/p>\n <\/p>\n Over the years, we have built a differentiating project that accompanies our clients at different stages of their lives. We help with choosing the house or insurance best suited to each family<\/a>. We free our customers from bureaucratic burdens such as loan request<\/a> for purchase or house construction. We have trusted partners who allow us to mediate the construction of works, with rigor<\/b><\/strong> and respect for meeting deadlines and budget<\/b>< \/strong>, previously stipulated.<\/p>\n AtDECIS\u00d5ES & SOLU\u00c7\u00d5ES,<\/b><\/strong> you will find several services provided by a multidisciplinary team<\/b><\/strong> that accompanies you from the first moment. A turnkey service<\/b><\/strong> that includes:<\/p>\n Real Estate Mediation<\/a>; <\/p>\n We have everything you need to be able to live in the home of your dreams, with minimal hassle and worry. Whether you choose to build or buy a house, visit our website<\/a> and discover more about our services . If you need more information, we always have an expert ready to advise you.<\/p>\n <\/p>\nDo you want to buy a house? <\/strong><\/h2>\n
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Advantages of buying a house:
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Disadvantages of buying a house:
\n<\/b><\/strong><\/h3>\n<\/li>\n<\/ul>\nIs your dream to build a house?<\/strong><\/h2>\n
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Advantages of building a house:
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Disadvantages of building a house:
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\n4. The amount granted to build a house is not released in full. Up to six tranches are made. Each slice is released upon proof of progress of the works;<\/p>\nDECIS\u00d5ES & SOLU\u00c7\u00d5ES: With you throughout the entire process<\/strong><\/h2>\n
\nWorks Mediation<\/a>;
\nProperty Construction<\/a>;
\nInsurance Mediation<\/a>;
\nCredit intermediation<\/a>.<\/p>\n