10 consejos para comprar una vivienda

Si están leyendo estas líneas es posible que estén pensando en cambiar de vivienda, lo cual quizás implique que han de vender la que ocupan hoy día y comprar una nueva casa en un barrio o zona diferente. Puede además que su mudanza implique que han de cambiar de población, comunidad o incluso de país.

Hoy nos queremos centrar en darles consejos para comprar una vivienda dentro de nuestro mismo país. En otra ocasión nos ocuparemos de las compras de vivienda en el extranjero y más adelante trataremos también lo relativo al mercado del alquiler.

¿Cómo comprar pues una vivienda y no morir en el intento? A continuación les damos algunas pistas y consejos para evitar que comprar una vivienda se convierta en una pesadilla.

consejos para comprar una vivienda

Consejos para comprar una vivienda

1.- Sepan en qué mercado se encuentran. Como muchos sabrán ya, el mercado inmobiliario español tocó techo en el año 2007. Durante los diez años anteriores los precios habían subido de manera exponencial y éstos no reflejaban el valor intrínseco de las viviendas. La oferta era escasa en relación con la demanda, era habitual comprar sobre plano y los bancos otorgaban hipotecas sin hacen muchas preguntas cuando se pedía dinero para comprar una vivienda.

La situación hoy ha cambiado diametralmente. Salvo contadas excepciones, existe sobreoferta de vivienda. Los precios han bajado mucho y es probable que lo sigan haciendo. Los bancos se han convertido en los mayores propietarios del país y los compradores tienen más poder de negociación del que tenían antes de la crisis.

Dependiendo de cuándo se decidan a comprar, tendrán más o menos posibilidad de negociar. Los vendedores serán más o menos flexibles con los precios. Intenten analizar y comprender en qué situación se encuentran.

2.- Sepan quiénes son sus interlocutores. Háganse a la idea de que muchas de las promotoras inmobiliarias existentes antaño han desparecido y hasta caído en el olvido. Una inmensa mayoría de los inmuebles disponibles está ahora en manos de las empresas comercializadoras de los bancos. Éstas son algunas de ellas:

Las inmobiliarias tradicionales siguen existiendo, por lo que tampoco debe perderlas de vista. Les dejamos también algunos nombres:

Y sí, también sobreviven bastantes promotoras de obra nueva, como por ejemplo:

3.- Empiecen buscando en Internet. Los bancos, las inmobiliarias, las promotoras y en general todos los vendedores del mercado suelen disponer en su página web de un buscador de vivienda mediante el que filtrar y acotar una búsqueda determinada. Ahora bien, les recomendamos acudan en primera instancia a un buscador generalista puesto que éstos incluirán normalmente las viviendas de todos los demás:

4.- Busquen después también a pie de calle. Tengan en cuenta que no todas las viviendas que están a la venta están anunciadas en la red. Si saben a qué zona quieren trasladarse, dense una vuelta andando, con el fin de detectar carteles de “se vende”. Esto le servirá además para hacerse una mejor idea del barrio y de los servicios existentes en el mismo.

5.- Hablen con el director de su sucursal. Aunque su función no es estrictamente la de venderles pisos, es probable que tenga información y que conozca la oferta inmobiliaria del banco. Si no les ha ofrecido ya la información, adelántense ustedes. Lo habitual es que cuenten con un catálogo con su oferta inmobiliaria.

Éste es buen momento para preguntar por las condiciones de una posible hipoteca y conocer hasta cuánto dinero les podrían financiar.

6.- Entren en las inmobiliarias que existan a pie de calle en la zona en la que están buscando. Normalmente dispondrán de una oferta muy localizada y es posible que allí les puedan ofrecer algo interesante. Pregunten por los precios en la zona y consigan toda la información que puedan.

7.- No tengan prisa y solamente miren. No se comprometan con nadie ni se apresuren a reservar o señalizar viviendas con pagos anticipados de cualquier tipo. Como les hemos indicado anteriormente, existe mucha oferta.

Tengan en cuenta que el poder de negociación lo tienen ahora los compradores. Esto quiere decir que los precios que vean son básicamente precios de salida. No sean tímidos llegado el momento de hacer ofertas agresivas a la baja.

8.- Elaboren una lista de por lo menos diez viviendas “candidatas” y clasifíquenlas en función del precio, superficie, características, etc. Esto les ayudará a seleccionar de manera objetiva y a reducir la lista hasta un máximo de tres viviendas.

9.- Hagan una oferta verbal para cada una de las tres viviendas finalistas. Como hemos señalado anteriormente, sean agresivos y oferten, como mínimo, un 25% por debajo del precio de salida marcado por el vendedor. Es importante que el vendedor sepa que tienen otras alternativas y que entienda que la compra dependerá mucho de lo flexible que sea el precio.

A partir de este momento y en función de las respuestas que reciban a sus ofertas, deberán decantarse por una de las tres candidatas. Nuestra recomendación es que dejen a un lado su orgullo y no se tomen la negociación de manera personal. Tengan en cuenta que están comprando algo para toda la vida (o casi) y que lo importante es conseguir una buena relación calidad-precio. No tengan en cuenta la simpatía o antipatía de sus interlocutores y céntrense en lo importante.

10.- Busquen asesoramiento legal, para comprobar la titularidad de la vivienda y para certificar los datos registrales de la misma. También será de vital importancia contar con un abogado para la redacción y firma de los acuerdos de compraventa. 

Si nos tuviéramos que quedar con uno de los 10 consejos les insistiríamos en que no tuvieran prisa. Si hay algo que no les convence de la compra, no se dejen llevar por lo que le pueda decir el vendedor, el intermediario o cualquier otra persona. Existen muchas viviendas disponibles y ya no aplica aquello que se decía tanto en 2007: “¡me los quitan de las manos!”

¿Y Ustedes? ¿Tienen pensado comprar una vivienda en el corto plazo? ¿Ya han empezado a mirar? Cuanto antes empiecen, mejor. De este modo no tendrán que tomar ninguna decisión apresurada.

Hasta la vista.

 

 

 

 

 

 

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