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Buying a home is one of the most important steps in life, and if it's your first time, you surely dream of that moment: signing the deeds, receiving the keys and entering YOUR apartment for the first time. 🏡✨
But, stop right there! 🙋 Many people who buy VIS housing (Vivienda de Interés Social) make mistakes that end up costing them time, money and more than one headache. The good news is that knowing about them beforehand helps you avoid them.
At Conaltura we want your process to be clear and calm, that's why here we will tell you about the 3 most common mistakes when buying a VIS home.
1. Not understanding how the price of VIS housing is calculated
One of the most common mistakes is to think that the value of the apartment is fixed and does not change over time. The reality is that VIS houses are sold in minimum wages.
👉 What does this mean?
That the final price of your apartment will depend on the minimum wage in effect in the year of delivery. For example, if today the project costs 150 minimum wages, the real value will be adjusted according to the minimum wage in effect when you receive your home.
📌 Tip Conaltura⬇️
Always make a rough estimate of the possible increase in the minimum wage up to the year of delivery. This way you will have a much more realistic budget and avoid surprises.
2. Do not ask about finishes or parking spaces.
Another common mistake is not asking how the apartment is delivered. Most VIS homes are delivered in gray workThe building was built with the basics: walls, concrete floors and no interior finishes.
Many people dream of an apartment just like the decorated model... and when they receive it, they get a big surprise. 🙃
👉 In addition, parking spaces in VIS projects tend to be common (shared). Therefore, it is important to ask if the builder offers the option to purchase additional private parking.
📌 Tip Conaltura⬇️
Before signing, ask about the finishes, the condition in which you will receive your home and the availability of parking spaces. More clarity, less headaches!
Failure to prepare for additional expenses
Buying a home does not end with the value of the apartment. Many people forget to include in their budget the deed expenses and investment in finishes they will have to do when they receive their housing.
The notary fees for VIS housing range between $8.000.000.000 and $9.000.000.000. But be careful, these can vary every year.
📌 Tip Conaltura⬇️
Put together a financial plan that includes not only the down payment and the loan, but also those additional expenses. This way your process will be much smoother.
In conclusion...
Buying VIS housing is a great opportunity, but like everything in life, it requires information and preparation.
✅Understand how the price is calculated.
Always ask about finishes and parking.
✅Take into account extra expenses.
With those three points clear, you'll be that much closer to fulfilling the dream of owning your own home without stumbling. 💚
At Conaltura we accompany you throughout the process so that you can live this experience with confidence, clarity and the peace of mind you deserve.
