Finally you've decided to buy an apartment, but you have plenty of uncertainties? Agents have fooled you, you don't have time to act on the property listings, and you really want to resolve the issue of housing? We bring answers!

You've lived as a subtenant for years before deciding to buy your own property, and then when you did, you couldn't help but wonder "why did it take me so long?" Buying a property is one of the biggest life decisions and is not easy to make, and a general fact is that moving is the second most stressful thing after losing a loved one. Logically, when you finally find your peace as a subtenant in an apartment, if the owners are correct and everything more or less works, you don't want to change anything and complicate your life.

However, from a long-term financial perspective, you are aware that the money you spend on rent is better spent on paying off mortgage installments because in that case, after all, you are the owner of the apartment which has its own value.

On the other hand, Croats have been accustomed to being property owners due to socio-economic heritage, and the psychological moment of self-improvement is very important. Being a subtenant in a country where having your own apartment or property means being "a grown-up person" has both financial and psychological sides.

And when circumstances finally bring you to the point where you are finally ready to take this step because you finally have high enough income, or you have moved out of a joint apartment after a breakup and want independence, or you simply realized that if you don't take this step by the time you're in your thirties, your bank will later complicate the terms for a mortgage, look at the property listings and suddenly understand what kind of adventure you've embarked on. What awaits you when you decide to buy, is it better to work with an agency or search for a property through listings, how to check the ownership list and if there are any liens on the property, can you trust a credit calculator and how to make a property transfer, we reveal in this edition of Financial Wednesday. There are many questions, and given the large amounts of purchase and sale, it is most important to be sure that the property is legally sound. We bring answers to all these questions in a conversation with Bor Vujović, owner of the Opereta real estate agency. Watch the video at: Gloria.hr

Taken from: Gloria.hr

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