First apartment: find out the most common mistakes when buying

Buying their first apartment is usually one of Brazilians' biggest financial goals. But, so that the achievement does not turn into a headache, real estate market experts warn that financial planning and research are still the main factors in avoiding mistakes when purchasing.

According to Edmil Adib Antonio, director of Real Estate Credit and Institutional Relations with Banks at MRV, the balance between income and financial commitment is one of the most important criteria for a safe purchase.

The executive highlights that planning must consider not only the entrance to the property, but also documentation, bank fees, moving, furniture and emergency reserves.

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What are the most common mistakes made by those who buy their first apartment?
Among the main mistakes made by those who buy their first apartment are:

- Not doing financial planning;
- Ignoring costs beyond the down payment;
- Buying driven by emotion;
- Not researching the neighborhood and the appreciation of the region;
- Failing to compare financing;
- Choosing companies without credibility;
- Signing contracts without detailed reading.

These failures can generate excessive debt, difficulties in keeping payments and regrets after the purchase.

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Why is financial planning so important?
Planning is considered one of the most important stages of purchasing a property because the decision impacts the budget in the long term.

According to Edmil, from MRV, a safe purchase depends on the balance between income and financial commitment. The executive highlights that planning must consider not only the entrance to the property, but also:

- Documentation costs;
- Bank fees;
- Notary expenses;
- Moving;
- Furniture;
- Emergency reserve.

In addition, setting clear goals helps the buyer understand how much they need to save and how long it will take to achieve the goal.

Can considering only the gross salary get in the way?
Yes. A common mistake is to calculate the purchase of the property based only on the gross salary, without considering fixed and variable day-to-day expenses. The ideal is to analyze how much is actually left at the end of the month after essential expenses, such as:

- Household bills;
- Food;
- Transport;
- Education;
- Subscriptions and recurring services.

This diagnosis helps to understand what amount of installment fits into the budget without compromising financial stability.

Does having an emergency fund make a difference?
Yes. An emergency reserve is seen as essential before taking out real estate financing.

Unforeseen events such as unemployment, health problems or unexpected expenses can compromise the payment of installments. Therefore, experts recommend keeping a financial reserve capable of covering basic costs for a few months.

For self-employed professionals or people with variable income, this protection tends to be even more important.

Does carrying out financing simulations help you save money?
Yes. Comparing financing conditions between banks and construction companies can make a difference in the total cost of the property. The various financial institutions work with:

- Different interest rates;
- Varied terms;
- Specific conditions for each profile;
- Different entry and installment rules.

Edmil explains that financing works as a financial complement to make the purchase of the property viable.

In some cases, off-plan properties also allow negotiations directly with the construction company, offering more flexibility in certain payment conditions.

Can income composition make purchasing easier?
Yes. People interested in purchasing a property together can use income compounding to increase their financing capacity.

Edmil says that buyers who wish to take on financing together can combine income to expand the possibilities of credit approval.

This modality is common among:

- Couples;
- Family members;
- People with supplementary income.

How to research a property correctly?
Researching before closing a deal is essential to avoid hasty decisions. In addition to comparing prices, experts recommend analyzing:

- Neighborhood infrastructure;
- Urban mobility structure;
- Security;
- Potential for appreciation;
- Nearby commerce and services;
- Neighborhood profile.

Regions that receive public and private investments, such as new transport stations, shopping centers or residential developments, tend to attract attention due to their growth potential. Talking to local residents can also help identify advantages and problems that do not always appear during visits.

Can emotions get in the way of choosing an apartment?
Yes. Buying a property just for emotion can lead to choices that are incompatible with financial reality or routine needs. The ideal is to prioritize objective criteria, such as:

- Location;
- Value for money;
- Quality of construction;
- Potential for appreciation;
- Ease of movement.

Is a new or used property worth it?
The choice depends on the buyer's profile and needs.

Used properties can be an alternative for those who need to move immediately. New or off-plan apartments tend to attract buyers interested in more modern structures, less need for maintenance, easier purchasing conditions and projects adapted to current routines. Setting this before the search helps make the search more objective.

Why is it important to check the company's reputation?
Buying a property involves high values and long-term contracts. Therefore, checking the credibility of the construction company, real estate agency and brokers is an important stage of negotiation. Buyer can search:

- Complaints with consumer protection bodies;
- Company history;
- Previous deliveries;
- Professional records;
- Problem resolution rates.

Analysis helps reduce risks and increases purchase security.

What needs to be observed in the contract?
The purchase and sale contract must be read carefully before signing. Among the main points that need to be checked are:

- Total value of the property;
- Payment method;
- Fees involved;
- Data of the parties;
- Detailed information of the property;
- Deadlines for the work, in the case of off-plan properties.

It is important that the document is analyzed with professional support whenever there are doubts.

Source: CNN