Buyer’s ABC
Buying a flat or house is usually the biggest financial decision of your life. We have gathered what clients ask us most often — from searching for listings to financing and investment.
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Step 1
How and where to look for property
Buying a flat, house or plot can be an overwhelming task for many buyers. To overcome fear and uncertainty, you need to know a few rules and know how to begin the search for a lucrative property. As a buyer who wants...
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Step 2
Where to look for properties for sale
Investors, sellers and estate agents have the necessary experience and a wealth of creativity in business dealings. If you want to acquire an attractive property, you must understand the essence of marketing and act...
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Step 3
Ways of financing the purchase of a property
Most property buyers do not have financial resources large enough to complete the purchase in full. As a buyer, you must analyse the state of your finances and choose the most advantageous way of repaying your...
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Step 4
Buying or renting a property?
The life goal of many people is to own a flat or house. Historical circumstances have already taught us that there are three ways to acquire a property: build it, buy it or rent it. Because the procedure follows a...
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Step 5
Buying property as an investment
Wise investors buy cheap properties in the hope of earning considerable income from sale or rental. Many properties have a low price and are also located in a favourable area. It is therefore worth assessing the...
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More tips for buyers → · Mortgage calculator →
FAQ
How much down payment do I need for a mortgage?
Banks usually require 20% of the property price. With a 10–20% down payment, some banks grant a loan with additional insurance or a guarantee. The exact terms depend on the bank and the programme.
What costs are added to the price of a flat on the secondary market?
Tax on civil-law transactions (2% of the price; since 2023 a buyer of a first flat or house may be exempt from it), notary fee, court fees for entries in the land and mortgage register and — if you buy through the office — the broker’s fee.
What should I check before signing the contract?
The land and mortgage register (owner, mortgages, easements, claims), the seller's basis of acquisition, outstanding fees and registered residents.