Things to know to build a house

Things to know to build a house

Having a house built is a very important project in a lifetime. It usually kicks in when you haven't found the house you're looking for, but you may want to go through construction from the start. Before embarking on such a project, here are some suggestions to help you better prepare for it.



source: Les Echos

Know your financing capacity
The first step is to consult different banking institutions to find out what your borrowing capacity is. It depends on your financial and professional situation, your savings, and your debt capacity, which cannot exceed 30%.

This debt capacity corresponds to the share of your monthly expenses compared to your monthly income.

Don't just consult your bank. On the contrary, to get the best loan terms you need to compare as many establishments as possible to find the best deal.

If you don't have the time you need, go through a broker. He will take care of finding the best deals for you.
However, at the moment the goal is not to take out a mortgage immediately. This step takes place later, when you have found the land and signed the sales agreement.

The location and choice of land
Once you have identified your funding capacity. You must define a location by starting with the city or cities that interest you, then targeting in these cities the neighborhood or districts in which you would like to build your house.

And since then you will be able to know your borrowing capacity, you will quickly be able to eliminate the locations requiring a higher budget.
To choose a land, many criteria come into account:

City and neighborhood
Proximity to shops
Proximity to public facilities: schools, public transport ...
The level of noise pollution (many passages, proximity to a railway line, etc.)
The level of visual pollution (building bar, factory, etc.)
Tranquility or dynamism
Natural risks (floods, etc.)
Town planning rules
Future projects in the neighborhood
Area, shape and slope
Neighborhood and vis-à-vis
Price


The purchase offer
When you have found the land that meets your criteria, you will be able to make a purchase offer.

We recommend that you find out about the average price per m2 in the area. Thus, you will be able to better adjust your offer according to the initial sale price compared to the average price of the district.

Be careful, because you must also include the price of any work if the house is not very recent.
If your offer is accepted, all you have to do is sign the sales agreement, then proceed to the final sale before the notary.

The building permit
You need a building permit to build a house. All you have to do is complete the application form available from your town hall, then return it. Note that you can find our advice for building your own house here.

The town hall then has 2 months to respond to you. Once the building permit has been obtained, the work must begin within 2 years.

Find a construction company
At this time, contact an architect or a project manager to draw up the plans for your future home. Note that if the area of ​​the house to be built exceeds 170m2, you must call an architect to define the plans, especially if you need to know the distance from the tree to the house for your insurance.

He will also take care of finding companies and craftsmen to carry out the construction work. A construction contract will then be signed. Note that today a new construction must comply with the RT 2012 standard.

On average, building a house takes between 9 and 12 months. To achieve this, you can opt for a mortgage without contribution for example.