Nakup hiše je ena največjih odločitev v življenju. Mnogo ljudi ni prepričanih, kje začeti in kakšne so vse faze, zato vam v naslednjem razdelku prinašamo koristne nasvete…

1. ŽELIM SI LASTNO DOMO We all find ourselves in a situation where we want to have our own home! Then decide whether to rent or buy a property, and weigh up what we want and what's possible. Everything has its advantages and disadvantages. Living in a rented house is a good start! If the house doesn't suit you, you can rent another one. You don't like the bathroom? Doesn't matter, it's not yours anyway. You pay the rent on time, and you don't have a mortgage obligation. However, it would be nice to have, for example, a shower in the bathroom, arrange your day room with new furniture, buy a dog, but the landlord doesn't allow pets. If you at least had another room, but the rent of a larger house is more expensive. What if the landlord cancels your lease just when you don't have time to look for another apartment? You have a desire, but you don't know where to start? You would rather start looking for real estate ads and view one by one until you find the one you want. We will guide you through the process of purchase and sale: safe, easy, and stress‑free.

2. THE DIFFERENCE BETWEEN CREDIT AND LEASE If you pay 500 euros a month in rent and in the lease you'll be 3 years, you'll pay the landlord 18,000 euros. "You pay off another credit!" Our well‑meaning parents and friends would say. Indeed, think if it's time to have a place you can call home? Everyone who wants to buy instead of rent a house first needs to assess their financial situation. If your needs are greater than your savings, you can take out a mortgage to buy a property.

We made a rough financial calculation for purchasing a house worth 120,000 euros with a mortgage from a bank: Mortgage: 120,000 euros ‑ Loan term: 25 years ‑ Initial Interest Rate: 2.99% per year ‑ Monthly annuity: 568 euros (4,260 kuna) To implement such a mortgage, the borrower needs to have a minimum net salary of 9,100 kuna, without existing debts with different banks' products (mortgage, current account, credit cards etc.)*. Another option is to have a gross salary of 7,500 kn, and the spouse should have a non‑encumbered net salary of 6,000 kn. The third option is for the borrower to choose the maximum loan term of 30 years (if allowed by age). Then, the monthly annuity is 505 euros (3,787 kuna), and the required non‑encumbered net salary is 8,600 kuna.* *Rough, non‑binding calculations.

3. WHY EMPLOY AN AGENT/ESS’S? KNOWLEDGE OF THE MARKET Agents have a current insight into changes in the market. They are informed about the movement of prices in the market, so they will best advise you on the selling price of your property and its value. DATABASES AND NETWORKS A real estate agency has its database and network of buyers and sellers, and can provide you with insight into their real wishes and needs. Agents connect you as quickly as possible with the buyer or seller. NEGOTIATIONS Real estate agents are trained negotiators. Therefore, they have the best representatives of your interests. They achieve the best possible conditions for both parties. LEGAL SUPPORT The agent will guide you through all aspects of the purchase and sale, from the inspection of ownership documents to the conclusion of a purchase and sale agreement. So, the service they offer in this case is "priceless". FILTERED OFFER Real estate agents will filter out the relevant options from the large offer. They will only present you with the options that are relevant to your case when buying. EXCLUSIVE OFFER Considering that the agency has a database with properties that are not presented to the wider public, you will have the opportunity to learn about a property that may interest you even before it is advertised and available to everyone. DECISION‑MAKING From your agent, you can get individual advice and support in making decisions, and they will guide you through the most important and thus greatly facilitate this crucial decision. TARGETED MARKETING The agency enables targeted advertising to be directed where it will be most effective. SAVING TIME By hiring an agent for searching for or selling a property, you will be able to spend your free time on more important things, rather than researching a lot of real estate and data that is often completely unnecessary. 4. BUYING A PROPERTY Educate yourself on your financial capabilities! OUR CREDIT BROKERS: They will help you sort out your financial structure. By calculating your initial creditworthiness, you will learn to what extent you can buy a property. Credit brokers will compare the conditions of several banks, explain the credit process and the costs associated with implementing the credit. Demand for your property! OUR AGENTS: according to your wishes and needs, they will search for the best options on the market. With you, they will view the properties and inform you about their advantages and disadvantages. Sometimes, buyers are led by their emotions only, which is important, but not decisive, so make the most of the knowledge and experience of our experts.

WE WILL GUIDE YOU THROUGH THE PROCESS OF PURCHASE AND SALE: SAFE, EASY, AND STRESS‑FREE.

When you decide on a property you want to buy, we will prepare the documentation (pre‑agreement and main agreement), organize meetings at the bank and with the public notary, transfer receipts, ensure the accuracy of the documentation, and do everything to make the whole purchase and sale process as safe and stress‑free as possible. 4.5. MOBILIZATION AND RECOMMENDATION Congratulations! You are now the owners of your new property! It's time to settle in and arrange your home as you like. In that time, our team will transfer the bills from the previous owner to you. Recommendations are of great importance to us, and your opinion is essential. We wish you many happy years in the place you will call home! We look forward to our collaboration: Credit brokerage Real Estate Agency.

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