1.
Budget
Before you can start looking for a home, it is wise to know what your financial options are. How much money could you borrow, what is the (over)value of your current home and what are the monthly charges? Wigbold Real Estate can help you find a mortgage advisor and knows the regulations regarding the percentages of possible financing and the necessary amount of your own money.
2.
Search
To then start looking for a house together starts with a good orientation. What are the housing wishes compared to the financial possibilities. Wigbold Real Estate can help you fill in these wishes as realistically as possible. This not only prevents counting during the search, but also helps you set an achievable goal.
3.
Viewing
If we have found potential properties within your search area, we can schedule viewings for you. Wigbold Real Estate can take the preliminary process off your hands and do the previews of potential homes for you, or we can go over the possibilities together. With us, you are in control of your involvement in the buying process.
4.
Research
As a buyer, you have a duty to investigate. If the choice has fallen on a particular property, it is expected that you as a buyer will examine the house carefully for hidden defects. As a purchasing agent, Wigbold Real Estate will help you with this. We take a neutral view and ask critical questions. We know the potential risks and what to look out for.
5.
Negotiation
If you have chosen a property, we will make an offer on your behalf. Wigbold Real Estate knows the Curaçao property market well and can clearly assess whether this property is worth the asking price and whether you are willing and able to pay it. Besides the price, there are other matters that are important when bidding, such as the date of delivery, the resolutive conditions, the provision of movable property or the results of the architectural survey. We advise and represent your interests in these negotiations.
6.
Purchase agreement
Once the buyer and seller have agreed on the price, completion date, resolutive conditions and any agreements on movable property, there is an agreement. The selling estate agent records the agreements made in the purchase agreement. Wigbold Real Estate goes through this purchase agreement with you to see whether all the details are correct and provides clarification where necessary, so that you, the buyer, know exactly what you are signing for.
7.
Funding
Now that you have bought the property, the money needs to be arranged to pay the purchase price. Bear in mind, that if a mortgage still has to be taken out, a 10% deposit may already have to be deposited with the notary in the foreseeable future. Wigbold Real Estate will guide and advise you in this financing process as well. We have good contacts on Curaçao both with notaries and mortgage lenders.
8.
Transfer
Once the mortgage has been arranged, the reflection period has expired and any additional resolutive conditions do not apply, the purchase is final and the transfer can take place.
Just before the transfer, we will inspect the house together again to make sure it is still in the agreed condition. You then pay the purchase price and other costs to the notary and sign the deed of transfer. The property is now in your name and registered with the Land Registry by the notary!