Source: Freepik Author: Redaction Buying a house on plan (or under construction) is an increasingly common option, especially in urban areas. This is a very advantageous business opportunity for developers, since by obtaining buyers at an early stage, they get a return on the financing they have already made and can use it to fund part of the project. And for those looking to buy, is this an advantageous option? Properties under construction can be more affordable options for families wallets, but there are some precautions you should take. SUPERCASA Notícias shows you all the advantages and disadvantages of entering into this type of business. Advantages Buying fractions of a new development can be a way of ensuring that you can choose the property best suited to your needs , without having to restrict yourself to what is available on the market, but there are several other advantages. 1. Savings A property in the early stages of design or under construction is usually more affordable than one that has already been completed , and there may be more scope to negotiate the value of the property. This means that you can buy a property for less than it will cost when construction is finished. 2. Buy new If you opt for this type of property, you can always be sure that you are buying a 100% new property . This also means that you are more likely to have the latest materials and technologies in its construction . The great advantage of buying a house on plan is that, in the event of a defect in its construction, it is covered by law under the guarantee. 3. Adjust to your needs If youre looking for a house, youre certainly looking for the perfect property that suits all your needs. Flat-plan homes give you greater freedom to choose your dream home, on the floor you want or with more or less sun exposure, for example. At this stage you can also choose the type of finishes that best suit your tastes , such as the colour of the walls or the type of flooring. 4. Phased payments At an early stage of the purchase you must pay the deposit to reserve the property and then sign the promissory contract of sale (CPCV). At this point, all the payments that must be made as the work progresses will be defined, giving you the possibility of making phased payments. 5. Planning Moving house is always a process that requires a lot of planning. By making this type of investment, since the house will still take some time to be ready, you will have time to plan all the details of your move, including the furniture you want to buy, where you will put it and what type of decoration you will apply . Disadvantages 1. Unfinished work The biggest fear of those who buy a house on plan is that it will never be completed due to financial difficulties on the part of the construction company or the developer. Although this is a common fear, its not something that happens all the time. However, if you want to be sure that youre not taking any risks when buying your new property, you can find out about the solidity of the construction company by looking at its work history. 2. Delays When you buy a house youll be given a date for the project to be completed , and its always annoying when the date arrives and the project still isnt finished, especially if youve already planned your whole life to make the move at that point. To ensure your rights, you should make sure that the CPCV provides for this type of situation , and you can ask for a clause guaranteeing you the right to compensation for failure to meet deadlines. 3. Final result Its time to get the keys to your new home and make all the necessary changes, but when you arrive at the property, it doesnt meet your expectations. This is a common fear for those making this type of investment, so you should make sure you understand all the information on the floor plan, such as the location of all the doors and windows and all the areas of the house. If you have any doubts, you should seek clarification from the professionals before committing to buying the house. Read more: Wooden buildings: trend for 2024? , Building a house: what are the specifications?
Source: Freepik Author: Redaction In recent years there has been an increase in the popularity of wooden houses . This trend is progressively establishing itself as an alternative to traditional methods , especially at a time of housing crisis and rising prices for building materials. Whether for a main residence or a holiday home, more and more homeowners are opting to use wood in their constructions, something that lends a rustic, warm beauty to the property. What are the advantages? Despite being a relatively recent trend, wooden houses are becoming very popular , with the aesthetic aspect being one of the biggest reasons for this, since this type of construction blends in perfectly with the surrounding nature, conveying a sense of calm and peace in a rustic and natural environment that you cant find in other types of property. However, there are several other advantages to choosing to build a wooden house, namely: - Easy-to-work-with material; - Excellent insulation to maintain a stable temperature; - More ecological houses, which use renewable, recyclable and biodegradable materials; - More energy-efficient constructions; - Possibility of modular and prefabricated construction; - Faster construction. How to build wooden houses? If youre looking to build a wooden house, there are two options open to you. If you have the means to do so, the first option is to follow the traditional process of building a house , using an architect to create a project and then creating a budget and applying for licences so that you can proceed with the work. This approach allows you to personalise your home according to your preferences , without being restricted by any prefabricated model. On the other hand, if youre looking for a quicker alternative, you can always choose to hire a company that specialises in building wooden houses . There are several companies available on the market that will present you with various models, allowing you to choose the one that best suits your needs. A trend in 2024? Wooden houses, especially prefabricated ones, are gaining prominence in the property market as a more economical and sustainable option for those looking for a safe and dynamic investment . In addition to the advantages mentioned above, one of the great advantages of wooden houses is their novelty, which attracts tourists and onlookers. It can therefore become a great long-term business opportunity for investors who are currently in the market, and may even be one of the big trends of 2024. From bungalows to country houses, wooden constructions are versatile due to their adaptability, guaranteeing comfort and safety in the hottest or coldest weather conditions. And then, due to their ease of mobility, they are an interesting option for any type of tourism or accommodation activity. Are you curious about this property trend? Well show you other equally appealing options that you can get to know in order to get a head start on next year and make the best investments: 3D printed houses: the future of the property market , Modular houses: everything you need to know
Source: Freepik Author: Redaction December is a month of celebration, family togetherness and magic, concepts that can be associated with the house where these feelings and emotions are shared. Buying a house in the middle of the Christmas season is unthinkable for many people, due to the hustle and bustle typical of the season, but it can be advantageous on several levels , and SUPERCASA shows you why. The fact that there are usually fewer buyers available at the end of the year offers greater flexibility in prices, which can fall and favour those who take a chance on an investment. In addition, taking out a mortgage is also more affordable if your financial institution hasnt met its targets for the year. Another advantage is the availability that many families now have during this period, with more time to visit and deal with their bank accounts, as well as to analyse their tax situation. If youre ready to take this step and want to invest in a property just in time for the end of the year, take a look at the properties SUPERCASA has chosen for you, all under €300,000, and make your Christmas wish come true! 1 bedroom flat in the Algarve - 173.000€ Flat 3 bedrooms in Aveiro - 215.000€ 3 bedroom flat in Leiria - 260.000€ 3 bedroom flat in Matosinhos - 299.000€ 1 bedroom flat in Lisbon - 299.900€ SUPERCASA Notícias wishes you Happy Holidays! In the meantime, you can follow other topics like: Christmas markets: discover the biggest in Portugal , Prepare for Christmas: 5 gift ideas for your friends homes or Tips for saving on gifts this Christmas
Source: SUPERCASA Author: Redaction Temperatures have plummeted in recent weeks , forcing people to take blankets and coats out of the wardrobe and resort to heating strategies that solve such a universal problem. For the coldest of us, this is a tricky time of year that requires a well-prepared home and, although there are many heating solutions available today, central heating and air conditioning are still the most economical options, followed by fireplaces and stoves. If youre buying a house in the near future and want to avoid having to make a bigger investment in the long term by installing one of these heating methods, invest in a house that offers you these comforts and benefit from immediate comfort. And dont forget, a house with a lot of sun exposure will always tend to be warmer and brighter! So that you can achieve this goal and leave the cold behind, SUPERCASA has selected for you the best properties on the market , all with air conditioning or central heating and good sun exposure, so that you can enjoy maximum comfort without any major worries! 1 bedroom flat in Lisbon - 895.000€ Detached House 4 Bedrooms in Braga - 788.000€ House 4 Bedrooms Duplex in Beja - 738.000€ 2 bedroom flat in the Algarve - 598,000€ Find other properties according to your preferences in SUPERCASA Notícias : Palaces and estates: the most charismatic properties for sale , Living in a Penthouse: the most exclusive properties on the market or Want to buy a house with a garden? SUPERCASA has
Source: Freepik Author: Redaction Moving house is always an exciting time and usually means that you are taking the first step in the next phase of your life , so that you can soon enjoy the cosiness of a new home. However, it can also be a process that generates some anxiety, due to the large number of issues that need to be dealt with and the extra expenses you will have to incur. Its inevitable that youll have to spend some of your time dealing with bureaucracy and managing your move , but when it comes to expenses, there are a few tips you can follow that will save you money and reduce some anxiety. 1. Plan your expenses in advance The process of moving house begins even before you start packing your things. The first step should be to create a list of everything you need to buy and how much you want to spend, which should include everything related to the move, such as packing materials, transporting furniture, fuel and any labour that may be required. Create a detailed budget , as this will make it easier to stick to the amount youve set yourself to spend and to understand where you can cut costs. If its more convenient for you, you can create a calendar in which you organise all the actions youre going to take, as well as the amount youre going to spend on each one . 2. Organise your tasks Its essential to organise all the tasks you have to do between now and moving day. The easiest way to do this is by making lists, where you can designate, room by room, everything youre going to take to the new house, what you want to donate, what will go in the bin and what you can sell. By making a to-do list, youll also be able to see what materials you have at home that could be useful to reuse during the move, such as magazines and newspapers for wrapping more fragile items, suitcases and boxes. If you dont have any materials available at home, so that you dont need to buy materials that you wont be using again, we recommend that you talk to your family and friends to ask if they can give you boxes or baskets that they dont use, or even approach supermarkets and other shops that usually receive several boxes and dont mind giving some of these materials away. 3. Cut down on services During the move there are many services that can be hired to speed up the process, however, you can cut some of these costs, such as: - Removal company: choose to do the move yourself or with the help of friends and family, as well as saving money, youll create a cosy moment for everyone; - Cleaning service: it may not be necessary, but especially if you are moving into a house that has recently undergone renovations, you will need to clean the property. Hiring a cleaning service may be easier, but this is a task that you can carry out on a room-by-room basis and it will soon be finished. Take into account in your budget that, before buying a property, it may be necessary to hire a real estate agency to speed up the buying process. Although this is not a mandatory option, it is always advisable to use a professional to guide you through the process. However, if youre not immediately ready to make this investment , you can do an initial search on property portals such as SUPERCASA and CASASAPO , which will give you a better idea of the type of properties available, as well as taking you to the estate agents responsible for each property. 4. Sell what you dont need When you pack up your belongings, youll certainly notice that there are things you no longer use. Instead of throwing everything away, consider using whats in good condition to sell. If you notice that you also need to buy something new, such as furniture, you can also buy second-hand . This way, youll find more affordable options that, even if they need some repair, will allow you to have more room in your budget. 5. Update your contact details Moving house also involves some paperwork, such as updating your address with the Tax Authority, Social Security, driving licence and workplace, among others . One way to avoid unnecessary expenses is to cancel the services you wont be using during the time youll be in your old home, such as television, internet and telephone. We hope everything goes well with your move and well continue to suggest essential tips! Also read: Singles: we help you choose the right property for you , 3 steps to buying your dream home
Source: SUPERCASA Author: Redaction Have you always imagined living in a house with a garden ? There are very affordable options on the market to suit all tastes, which you can check out at supercasa.pt. The advantages of having a garden are immense, and range from the propertys appreciation , depending on its state of repair, to the fact that you have an outdoor space available that you can enjoy at any time of the year . You can adapt this outdoor space according to your needs by adding outdoor furniture, building a swimming pool or even creating a small vegetable garden. The possibilities are immense and can improve not only your property but also your well-being, as spending time outdoors is proven to be extremely beneficial. Want to buy a house with a garden? Take a look at the cheapest options weve selected for you! Triplex 4-bedroom villa in Setúbal - 464.000€ Detached House 3 Bedrooms in Setúbal - 395.000€ 5 Bedroom Duplex Townhouse in the Algarve - 755.000€ 2 bedroom villa in Porto - 420.000€ House 4 Bedrooms Duplex in Setúbal - 480.000€ Did you like the properties weve selected for you: Palaces and estates: the most charismatic properties for sale , Living in a Penthouse: the most exclusive properties on the market
Source: Freepik Author: Redaction The moratorium measure came into force a fortnight ago and has already led thousands of people to apply to the financial institutions to fix their mortgage instalments , confirmed the heads of the main banks at the Banking for the Future conference. Francisco Barbeira, director of BPI , admits that they were prepared for a higher number , emphasising that the number of houses handed over in lieu of payment was zero last year . So far, 1,500 requests have been sent to this financial institution since 2nd November. The head of Novobanco , Luís Ribeiro, says that theyve been receiving around 100 requests a day, and were responding within the deadlines , revealing that the bank has already renegotiated around 17,000 loans since the beginning of the year. BCPs CEO, Miguel Maya, praised the moratorium measure, saying that it was well designed and implemented at the right time. The bank has already received around 2,000 requests to which it is responding attentively, the level of implementation of these requests is very high, between 50 and 80 per day . The rise in Euribor rates, accompanied by the rise in the European Central Banks key rates, has led to a worsening of variable and mixed rate mortgages. The government created this mechanism so that customers can ask for their home loan instalment to be fixed for two years, and at a lower rate than the current one , with the instalment being indexed to 70% of the average six-month Euribor rate for the month prior to the customers request. On this subject, read also: Banks prepare private moratorium accessible to all
Source: Freepik Author: Redaction The topographical survey is an essential element in the preparation and execution of any construction project, as it is necessary to submit this document in order to register the land at the registry office, apply for a municipal licence, carry out earthworks or land removal , among other things. In this article, SUPERCASA Notícias has put together all the information you need to know about this procedure. What is a topographical survey? A topographic survey consists of mapping a given area with the aim of creating a map or topographic plan that marks all the variations in relief and other geographical features. This element is present in the various phases of construction (design, execution and supervision of the work). There are three different types of topographical survey: - Altimetric survey: defining the heights of a plot of land; - Planimetric survey: measuring the horizontal projections that define an area; - Planialmetric survey: t he combination of altimetric and planialmetric surveys. Depending on each surveyor, the information can be more or less detailed, and the format in which it is presented also varies, usually digital. This is the information that the map of the region subjected to this process should contain: - Terrain boundaries; - Elevations and contour lines on the morphology of the terrain; - Location of buildings; - Location of infrastructures (sanitation, electricity, etc.); - Location of access routes; - Location of tree species; - Geographical coordinates (if this requirement has been contracted). What is its importance? Mapping the location is essential for registering the property with the notarys office, applying for council licences for building work and assisting in the construction process. Compiling this set of data on the land you want is essential for subsequently drawing up plans, profiles and graphic representations of the lands characteristics. It is also on the basis of this document that the architect can develop a project, and it is often advisable to request this information during the process of selling the land or property in order to detect any discrepancies between the areas registered in the Land Registry or Caderneta Predial in advance. A topographical survey is used to - Determine the boundaries and areas of urban land; - Providing the necessary information to the designer responsible for the work; - Know the elevations and depressions of the land; - Facilitate legal registration of the land; - Drawing up road, canal and river profiles. Only certified professionals authorised by law can carry out this survey. To hire this service, you can use collective, public or private organisations with a licence for this purpose. The cost of this procedure will vary depending on the organisation hired, the type of land, the estimated time and the region of the country. Its advisable to ask for more than one quote, in order to gather information that will allow you to choose the best price/quality ratio. We suggest you read: Whatsapp for property consultants: find out the advantages , What is property leasing? or House deeds: find out everything you need to know
Source: SUPERCASA Author: Redaction Have you ever imagined yourself in a luxurious property, surrounded by design pieces and modern, innovative finishes? This type of property is a dream for many investors, who hope to find the best opportunity, at the best price and with the best conditions. SUPERCASA brings you a selection of the most exclusive properties on the market, which you can appreciate and consider as a good investment . Living in a luxury property means opting for certain amenities, such as privileged locations and unprecedented comfort. Youre choosing to live in a differentiated infrastructure , which is often designed by architects and landscapers who ensure that every room performs its function well, with attention to detail, efficiency and sun exposure. So take a look at SUPERCASA s suggestions and imagine yourself living in style in one of the houses we present to you, which you can buy from the agents who publicise them. 3 bedroom penthouse in the Algarve - 695.000€ Penthouse T3+1 in Cascais and Estoril - 2.300.000€ Penthouse T4+1 in Cascais and Estoril - 2.800.000€ Penthouse 3 bedrooms in Lisbon - 2.800.000€ Penthouse 4 bedrooms in Lisbon - 4.300.000€ If you liked this article, read also: Palaces and estates: the most charismatic properties for sale
Source: Freepik Author: Redaction On 2 November, the governments new measure came into force, which allows house instalments to be fixed for two years for families having difficulty paying their mortgage. However, some banks are preparing to present a private moratorium , similar to the state moratorium, with the difference that this measure should not have exclusion criteria. In order to join the governments support, certain criteria must be met, namely: Have a contract prior to 15 March 2023 and not be in default; Have taken out a home loan with a variable interest rate or mixed interest rate, if it is in a period of application of the variable rate; Not having access to the Default Risk Action Plan (PARI) or the Extrajudicial Procedure for Regularising Default Situations (PERSI). The exclusion criteria will mean that many families will not be included in the measure , hence the banks proposal for a private moratorium. In other words, these requirements will not be taken into account for the purposes of exclusion from the private moratorium, and the decision on whether or not to allow access to this measure will be left exclusively in the hands of the financial institution . All the other aspects of the moratorium are similar. It is expected that the private moratorium will also allow the amount of the mortgage instalment to be fixed for two years at an amount equivalent to 70% of the 6-month Euribor. In turn, the payment of the deferred capital, accumulated during this period, should also be spread over the remaining years of the contract. We suggest reading: What is a bank moratorium? Find out more and Home loans: you can now ask for your instalment to be fixed
Source: Freepik Author: Redaction There are several stages to the buying process, from researching the property to visiting the house and, in the final stage, signing the property deed . In this article, SUPERCASA Notícias shows you everything you need to know about this step in the process, so that you have no doubts when it comes to closing the deal. Deed of sale The deed is the last stage of the process and is the legal act that establishes the purchase and sale of a property . This is when the final contract is signed between the buyer and seller of the property, and a notary or legal representative must be present to sign this document . This process consists of: The purchase and sale contract, in which the buyer becomes the legal owner of the property; If there is a mortgage, a mutual agreement contract is drawn up, where all the steps relating to the loan are reviewed. This is when the bank provides the amount requested by the client. To sign the deed, you can go to a Notarys Office , a Land Registry Office or a Casa Pronta branch , a government service for matters relating to the purchase and sale of property. Types of deed There are a few different types of deed depending on the purpose of the deal. The most common is the deed of sale , which formalises the sale of the property. However, other types of contract can be drawn up, including: Deed of sale with the intervention of financial institutions; Deed of gift; Deed of exchange; Deed of inherited property; Deed for a property under construction. Documents required A number of documents are required for the property deed. With regard to the intervening parties, it is necessary to submit: Identification documents for the seller, buyer and guarantors, if applicable; Proof of payment of taxes (IMI, IMT and Stamp Duty), or proof of exemption from IMT. About the property: Promissory Contract of Purchase and Sale (CPCV); Caderneta Predial Urbana or Pedido de inscrição do Prédio na matriz (Modelo I do IMI) issued by the Tax and Customs Authority; Licence to use; Housing technical file; Energy and Indoor Air Quality Certificate for Buildings; Certificate of content; Infrastructure certificate; Mortgage waiver; Toponymic certificate. Value of the property deed The costs associated with the property deed are usually borne by the buyer. These costs do not have a fixed value , but always depend on various factors, such as: The value of the property; Taxes associated with the property; Registration of the deed; Costs associated with legal services to sign the document, such as the registry office or notary. On this subject, read also: 3 steps to buying the house of your dreams and Buying and selling a house through a real estate agent: The advantages
Source: SUPERCASA Author: Redaction Living in a palace or estate may not be within everyones reach, but its impossible to remain indifferent to its architectural attributes , the details of which are certainly more prominent than in a traditional property. The areas are larger, the gardens are vast and the magic associated with this type of house , which lives in the imagination of the great historical novels and period stories, is transversal to those who visit them. SUPERCASA therefore takes you on a journey through the most charismatic palaces and estates for sale in Portugal. Available for sale, these properties are sure to inspire you if you plan to invest in one of these options . Its an investment with potential , as you can not only buy a palace or farmhouse to turn it into your own home, but also monetise its potential by turning it into a local accommodation space, for example, or another type of business that will bring you a return. Check out the most coveted palaces and estates and grab your investment! 6-bedroom palace in Lisbon - 7,500,000 euros Farm T17 in Viana do Castelo - 800.000€ Farm T10 in Santarém - 1.950.000€ Farm T16 in Portalegre - 2.690.000€ If youre looking for the best investments, read: Do you want to renovate a property? Check out SUPERCASAs findings
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