Buying your own house or even building it yourself is a big step. And if you have landed here on this page, then you have certainly thought very carefully about your dream of owning a home. But in order to be able to plan a house, there are many questions that need to be clarified in advance.
In order to be able to fulfill your dream of owning a home, you first have to find a bank that can help you financially. Talk to the financial institution you trust and have them set up a payment plan that suits your needs. Here it always depends on the installment to be paid and ultimately on the term. Think carefully in advance how long you want to withdraw money from your house each month.
If you have decided to build a house, then you have to be absolutely sure where your new four walls should be. Do you want to live more in the country or in the city? And can you imagine that at best you will live there forever.
Financing and location are in place – now you can buy the property. Your bank will help you with the processing of the purchase. The bank is entered in the land register until the loan to be paid has been paid. Your credit institute will take care of that – including ensuring that you are listed as the owner in the land register once full payment has been made.
A purchase is always certified by a notary. When buying property or a house, always remember to ask for a little more “pocket money” when you borrow. After all, the notary, tax office and municipality or city also want money.
The planning of the house
The most important steps have been taken. Now it comes to the nice part: the planning of the house. Decide together with your family which type of house you want to build. Should it be a bungalow, a single-family or two-family house, a villa or a half-timbered house? When the choice has been made, the plans become concrete. Think about who and what you will need for your house to be built. Sure, you can roughly record how you imagine your own home or record your plans with a special program, but for such a large project you should definitely get a professional on hand. Have your ideas, thoughts and wishes put on paper together with an architect. Determine how many floors the house should have. Where should the kitchen be located? Are you wondering if you need children’s rooms? Think and decide carefully!
Once the planning has been completed, create an overview of the craftsmen you need. It is advisable to compare offers here and not to employ the next best bricklayer right away. Also listen to the reviews from your environment. Because there are often black sheep in the trade who in the end tend to get in the way of your project instead of helping you advance.
The house is being built
Once the masonry is in place and the house has a roof over its “head”, then it goes to the interior work. Perhaps you will check whether and which manual skills you have yourself and what kind of know-how you bring with you from your family and friends. Because if you do a lot yourself, it will be cheaper for you in the end. However, caution is advised with the water and electricity installations. Because if something goes wrong here, you can end up with nothing in the event of an insurance claim. If an experienced craftsman installs the water pipes and then water damage occurs, the insurance will cover the costs in this case – otherwise it could get really expensive for you.
Bring color into life
Once the interior work is done, the walls can be designed. While you might opt for tiles in the bathroom and kitchen, in the other rooms you have the choice between painting plaster and walls or wallpapering. It’s up to you what you prefer. However, if you have small children in the house, cleaning is recommended, as you can always brush over it in case an accident happens.
When choosing a floor, one should rather pay attention to quality. After all, you will stay in this house for your entire life. If you want a parquet floor or planks, then choose this – even if it is a bit more expensive than laminate or PVC flooring at first glance. And then it goes to the interior! But that’s up to you.