{"id":14125,"date":"2022-10-20T11:32:00","date_gmt":"2022-10-20T11:32:00","guid":{"rendered":"https:\/\/www.espigul.com\/\/10-punts-clau-que-cal-tenir-en-compte-abans-de-la-compra-dun-habitatge\/"},"modified":"2022-10-20T11:32:00","modified_gmt":"2022-10-20T11:32:00","slug":"10-punts-clau-que-cal-tenir-en-compte-abans-de-la-compra-dun-habitatge","status":"publish","type":"post","link":"https:\/\/www.espigul.com\/ca\/10-punts-clau-que-cal-tenir-en-compte-abans-de-la-compra-dun-habitatge\/","title":{"rendered":"10 punts clau que cal tenir en compte abans de la compra d’un habitatge."},"content":{"rendered":"

Comprar un pis o una casa forma part d’un moment vital important, i segurament \u00e9s una de les inversions m\u00e9s grans que fa una persona al llarg de la seva vida. Com en totes les decisions crucials apareixen els dubtes; \u00e9s per aix\u00f2 que assessorar-se i sentir-se acompanyat per professionals qualificats \u00e9s fonamental, ja que, hi ha molts factors que cal tenir en compte abans de prendre la decisi\u00f3 definitiva.<\/p>\n

En el post d’avui et plantegem un llistat de punts a valorar abans de la compra d’un habitatge i que et poden ajudar a decidir-te.<\/p>\n

La ubicaci\u00f3 \u00e9s un dels factors m\u00e9s rellevants. <\/b>Depenent de les necessitats de cadasc\u00fa es prioritzar\u00e0 una zona o una altra. Per exemple, a una fam\u00edlia els hi pot interessar m\u00e9s estar a prop d’una escola, supermercats i centres de salut, i, en canvi, a una parella jove, trobar llocs d’oci al seu voltant.<\/p>\n

Cal valorar el preu i haver estudiat l’habitatge, la zona i l’entorn.<\/b> \u00c9s important tenir nocions del mercat immobiliari en el moment de la recerca, ja que els preus dels habitatges de les mateixes caracter\u00edstiques acostumen a ser similars a la mateixa zona. Aqu\u00ed ja tindr\u00e0s un primer filtre de quines zones hi ha els habitatges que s’ajusten a les teves necessitats.<\/p>\n

Con\u00e8ixer el valor m\u00ednim de l’habitatge<\/b>, cada comunitat aut\u00f2noma fixa un valor m\u00ednim al qual es pot vendre un immoble i aix\u00ed evitar el frau de qu\u00e8 s’escripturi a un valor inferior al real amb la finalitat de pagar menys impostos.<\/p>\n


Les condicions de la hipoteca. <\/b>A l’hora de demanar el pr\u00e9stec de la hipoteca, s’ha de triar un dels dos interessos: a tipus fix, es paga la mateixa quota mensual durant tot el pr\u00e9stec o, a tipus variable, el pagament s’ajusta a les condicions del mercat. Incl\u00fas pots calcular la quota de la teva futura hipoteca amb simuladors com aquest: Simulador hipotecari<\/a><\/p>\n

Els estalvis necessaris per comprar un habitatge<\/b> han de ser, almenys, el 20% del preu de l’immoble. Aquests no els cobreix el pr\u00e9stec hipotecari. A m\u00e9s a m\u00e9s, cal tenir en compte un extra per a cobrir les despeses de gesti\u00f3.<\/p>\n

Les despeses associades a la compravenda.<\/b> Suposen un increment del preu base. Con\u00e8ixer i informar-se d’elles ajudar\u00e0 a fer un c\u00e0lcul previ. S’ha de tenir en compte el cost de la immobili\u00e0ria que gestiona l’operaci\u00f3, el cost de l’escriptura p\u00fablica de la compravenda a la notaria, el de la inscripci\u00f3 al Registre de la Propietat, els impostos associats (IVA o Impost de Transmissions Patrimonials depenent de si \u00e9s un habitatge nou o de segona m\u00e0, etc.) i els costos de la gestoria.<\/p>\n

La instal\u00b7laci\u00f3 i classificaci\u00f3 dels subministraments <\/b>dels habitatges \u00e9s un punt de valor a tenir a compte, ja que una instal\u00b7laci\u00f3 eficient minimitza la demanda d’energia i, per tant, es podr\u00e0 aconseguir reduir la factura energ\u00e8tica cada mes.<\/p>\n

Con\u00e8ixer les c\u00e0rregues de l’habitatge. <\/b>Sempre s’ha de comprovar que l’habitatge estigui lliure de c\u00e0rregues (pr\u00e9stec hipotecari, embargaments, etc.) Aix\u00f2 es pot comprovar demanant una nota simple, de car\u00e0cter informatiu, o b\u00e9 la certificaci\u00f3 en el Registre de la Propietat en la qual tamb\u00e9 s’informa de la descripci\u00f3 de l’habitatge i de les c\u00e0rregues associades en el cas que hi hagin, en aquest cas, el certificat si t\u00e9 car\u00e0cter de document p\u00fablic trobant-se sota la protecci\u00f3 dels tribunals en el cas que fos necessari.<\/p>\n

Inspecci\u00f3 t\u00e8cnica dels edificis.<\/b> Els edificis de m\u00e9s cinquanta anys l’han de passar cada deu anys. Aquest control et donar\u00e0 informaci\u00f3 sobre l’estat de conservaci\u00f3 de l’edifici, el grau d’accessibilitat i la certificaci\u00f3 energ\u00e8tica.<\/p>\n

Comunitat de propietaris.<\/b> \u00c9s important informar-se de si hi ha prevista alguna obra a l’edifici en un futur i quin ser\u00e0 el cost de la derrama per ve\u00ed, amb l’objectiu de tenir una previsi\u00f3 de despeses.<\/p>\n

Aquestes q\u00fcestions s\u00f3n b\u00e0siques com a primer pas de valoraci\u00f3 abans de comprar una propietat. No obstant aix\u00f2, comptar amb bons professionals t’assegura que el proc\u00e9s sigui m\u00e9s clar i segur.<\/p>\n

A Esp\u00edgul comptem amb un personal altament qualificat i amb un gran recorregut en el sector immobiliari que t’acompanyar\u00e0 en tot el proc\u00e9s.<\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Comprar un pis o una casa forma part d’un moment vital important, i segurament \u00e9s una de les inversions m\u00e9s grans que fa una persona al llarg de la seva vida. Com en totes les decisions crucials apareixen els dubtes; \u00e9s per aix\u00f2 que assessorar-se i sentir-se acompanyat per professionals qualificats \u00e9s fonamental, ja que,…<\/p>\n","protected":false},"author":1,"featured_media":14126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-14125","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ca"],"acf":[],"yoast_head":"\n10 punts clau que cal tenir en compte abans de la compra d'un habitatge. - Esp\u00edgul<\/title>\n<meta name=\"description\" content=\"Comprar un pis o una casa forma part d'un moment vital important, i segurament \u00e9s una de les inversions m\u00e9s grans que fa una persona al llarg de la seva\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.espigul.com\/ca\/10-punts-clau-que-cal-tenir-en-compte-abans-de-la-compra-dun-habitatge\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 punts clau que cal tenir en compte abans de la compra d'un habitatge. - 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