The Essential Guide to Successfully Buying Your First Property
Unlock all the insider tips to find, buy, and move into your dream property with ease. A complete step-by-step guide that takes you from house hunting to settling in—stress-free!
Watch the explanatory videos
Find the Ideal Property!
Find the Ideal Property!How to choose your first apartment, land, or house wisely through effective visits and practical advice.
Identify your key criteria
-
Property type: apartment, villa, land
-
Surface area, condition (new, old, to renovate)
-
Neighborhood, safety, accessibility
-
Proximity to amenities, schools, public transport
Property type: apartment, villa, land
Visit and choose the right property
-
Check the details: insulation, balcony, orientation
-
Off-plan purchase (VEFA): building permit, plans, partners
-
Co-ownership: understand the rules and fees
-
Buying land: urban planning documents, legislation
Inspect the property and documents
-
Ensure the seller’s identity
-
Verify the land file (title, history)
-
Estimate the price using the ANCFCC reference
Prepare for the Purchase
Prepare for the PurchaseAssess your purchasing capacity, get a mortgage loan, and prepare the required documents to secure your acquisition.
Assess your
property budget
-
Funding sources: personal contribution, mortgage loan
-
Special offer: “Code 35” from CIH Bank for people under 35
-
Expected costs: notary fees, registration, land registry
Funding sources: personal contribution, mortgage loan
Get a personalized mortgage loan
-
Determine your borrowing capacity
-
Potential tax benefits (income tax)
-
Submit the application to a bank
Sign the preliminary sales agreement
-
Binding contract between buyer and seller
-
Clauses, conditions precedent, timeline
-
For off-plan purchases (VEFA): specific contracts, staged payments based on construction progress
Finalize the Purchase
Finalize the PurchaseFinalize the acquisition of your property with full legal supervision and clear administrative validation.
Role of the notary
-
Draft the official deed of sale
-
Verify legal compliance
-
Register the transaction and manage land registry procedures
Signing the final deed
-
Mandatory information: identity, price, clauses
-
Official registration and ownership certificate
Final Steps and Moving In
Final Steps and Moving InSettle into your new home with peace of mind by completing all the necessary administrative and logistical tasks.
Post-purchase administrative formalities
After signing the sales contract, the notary is responsible for completing the following legal procedures:
-
Registration of the contract with the DGI
-
Registration of the contract with the land registry
-
Receipt of the certificate of ownership stating the name of the new owner.
Taxes to expect
-
Annual municipal services tax
-
Residence tax
-
Tax on undeveloped urban land
Prepare your move
-
Hire a specialized company or handle it yourself.
-
Make sure your furniture is covered by insurance.
-
If the property is new: take out a water and electricity contract.
-
If the property is old: check the presence and condition of the meters.
Explanatory Videos: Real Estate Buying Made Simple
Watch videos that explain how to buy a house and get a loan, with expert advice.
The First Home Buying Guide
Read this guide for practical answers to the key questions you may have before making your first real estate purchase.
Read the guide