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- Make an appointment with your financial institution if in need of mortgage to verify the amount for which you qualify. (Bank, pension fund, insurance company or other.)
- Make sure to ask the financial institution which related documents you need for your financial (loan/mortgage) evaluation.
- Once you have an indication of the finances you can acquire, you can start shopping around.
- Visit the several real estate and developers web-sites or individual owners and find out what is available in your price range.
- Pick out the ones you like most and contact the several real estate agents/brokers/developer or owner for you to visit and see the respective properties.
- Once you have made your decision, make an offer.
- If your offer is accepted by the realtor/seller, have him/her make you an official offer and if possible with an updated appraisal report. (not older than 6 months)
- If the property needs maintenance and or repairs, get a technical inspection from a reliable source, architect or builder, for the estimated cost involved for such maintenance and or repairs.
- If you would like to alter/remodel parts of the dwelling, contact a reputable contractor to give you an offer for the cost of the remodeling.
- Once you have the necessary related documents, revisit your financial institution for a (if possible) written (pre) approval.
- When you have above mentioned approval you can enter into a buy/sell agreement for the property with the owner or the representing realtor.
- You have the right as buyer to appoint one of the four local notaries to make the official/legal property transfer.
- If you don’t have a preferred notary, the realtor/seller can advise you on a choice.
- Good luck with your endeavor of owning/buying your own home.