Recommendations for buying a house as a couple

Buying a house is a very important step in life as a couple; therefore, these recommendations will be useful to know how to proceed and which options are better

Buying a house as a couple and starting to build a wealth together is one of the most important decisions in life, because by doing so, a commitment is acquired where both parties must support and cooperate to consolidate their relationship and start a family.

In this way, the couple will share a challenge and will have to stick to a budget together to reach this goal quickly.

Sergio Rojas, director of the real estate platform La Haus , offers some recommendations for those couples who are at the moment and need help in knowing how to proceed and what options are best for them:

Joint Budget

Buying a home as a couple has the advantage that the combined income of both facilitates the transaction, in addition to allowing you to share the debt.

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Creating a joint budget requires adding the income of both and the monthly expense, in order to define how much each one can contribute for savings, mortgage and down payment.

The manager recommends dividing each expense by two to make the process easier.

Mortgage credit

One of the easiest ways to finance a home purchase is to apply for a home loan .

Nowadays, financial institutions offer schemes in which both income are taken into account for credit applications; It is even possible to aspire to amounts greater than if a single person requested it. For example, the Cofinavit or Unamos Credits programs of the Institute of the National Housing Fund for Workers (Infonavit).

The ideal is to consult and analyze all the financing options available, to choose the scheme that best suits the needs and possibilities of the couple.

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Housing Needs

Before starting a buying and selling process, the couple must be clear about what they are looking for in terms of housing, and that their choice fits their future plans .

It is important to know if they want to be alone, if they plan to grow a family or if they hope to have pets in order to choose the most suitable size and type of home.

Likewise, to make the best decision, it is advisable to take into account factors such as the location being favorable to both of you, your lifestyle, accessibility, nearby transportation routes, and available services.

Extra expenses

You should always consider expenses that are not perceptible at first glance when buying a home, such as the appraisal, notarial expenses or the cost of transfers to visit the house.

It is necessary that within their budget they have a 'cushion' to pay for these types of expenses; in addition to other unforeseen events that may arise during the process.