Buying your first apartment is one of the biggest financial steps in life. Preparation starts months before you even begin viewing apartments. First, determine a realistic budget — not just the apartment price, but all associated costs: agency (2-3%), notary (EUR 200-1,000), tax (2.5% or first-home exemption), moving costs, and potential renovation.
If you're planning a mortgage, visit at least three banks before deciding. Differences in interest rates and conditions can mean savings of several thousand euros over the repayment period. Prepare your documentation — employment confirmation, bank statements, personal documents. The loan approval process takes 2-4 weeks.
When you start your search, make a priority list: location, size, floor, parking, apartment condition. Be realistic — you won't find a perfect apartment on a small budget. View at least 10-15 apartments before making a decision and never rush into a purchase under pressure from an agent or seller.
