Do you dream of building your house? Only here, between the choice of land, that of the builder, administrative procedures and financing, you do not know where to start. Follow the guide.
1 – Choose the right location is essential
In fact, from where you choose to have your house built, not only does it depend on your comfort (being close to schools, shops and railroads will greatly facilitate your life), but also the price you can take advantage of your property for resale (yes, it’s never too early to think about it!).
When it comes to finding the perfect place, check out the announcements: the Build site is bursting with plenty of regular updates on the offers from town halls, notaries and real estate agencies located in your search area.
2 – Find the perfect terrain to build your home
Whether you choose a subdivision rather than a meadow to new build homes, no choice is better than another if it is consistent not only with your desires but also your needs and your means. Regarding the actual land, however, make sure it is buildable. For example, it is highly advisable to have a technician take a look at the basement of the land you plan to offer. By their nature, some soils do not lend themselves to possible construction work, or even make them more expensive.
3 – Develop a construction plan
If the builders of single-family houses usually have catalogs with predefined housing models, you can, if your budget allows, call on an architect. If your future cozy nest is more than 170 m2 in area, it is mandatory.
Be that as it may, between the norms that apply to new constructions (thermal regulations, possible facilities for people with reduced mobility, etc.) and the layout of the rooms in the house, the layout of the plan must be impeccable, under pain of replaying The meeting site, the famous sketch Muriel Robin, in your home …
4 – Get a building permit
Unless you use the services of a builder, it is up to you to take the necessary steps to obtain a building permit. For this, you will have to file a complete file including various documents (plan of the situation of the ground, plan of the mass of the buildings to be built, plan in a section of the ground and the construction, etc.). And do not start under any circumstances the site before having obtained this precious sesame!
5 – Finance your acquisition at the best price
Whether you are financing your home equity, the construction work on your home, or you, like most people, are going through a bank to get a loan, keep in mind that new build homes are usually more expensive. Expensive than we thought. For the price of the land and the cost of construction work, it should be added, except that one opted for land located in a subdivision, some “peripheral” expenses, such as the evacuation of surplus land or again the connection to the electric network if the plot on which you have set your sights is isolated.
6 – Trust the right builder
If you can opt for self-construction (in short, it is only you who will coordinate all the craftsmen who will intervene in the construction of your home) or for the use of a contractor (In this case, it is then a professional who is responsible for supervising the site for you, to check the insurance, deadlines, etc.), it is most often to a manufacturer that most address directly for the construction of their first house. Indeed, self-construction involves a lot of sacrifices. As for the project manager, the price he gives is only indicative…
Whether you choose to entrust your future site to a manufacturer with a national coverage or otherwise only local, we cannot recommend too much to use the services of a manufacturer affiliated to a professional union such as the Union of Houses (UMF) or whose works are regulated by the construction contract of the 1990 law (CCMI). Of course, all these precautions do not exempt you from playing the good old “mouth to ears” to learn more about your builder.
7 – Sign an individual contract
Because it mentions crucial elements such as the designation of the building land, the work of adaptation to the ground, the description of the house, the date of opening of the site, the time in which the dwelling will be delivered, the amount of penalties due for delay, the final cost of the house and the terms of payment, the house construction contract (CCMI) of 19 December 1990 is essential for the protection of any individual wanting to build his house.
FYI, between 2% and 5% of the total cost must be paid at the time of signing the contract for the construction of single-family homes in order to be “blocked” on a dedicated account.
Finally, know that the period of reflection of 7 days which you have available begins to run from the date of receipt of the reservation contract by registered letter with acknowledgment of receipt. Once this deadline has expired, it is the notary that will take place the next signature: that which will appear on the authentic deed.
8 – Visit the site regularly
Without pointing the tip of your nose every day, it is strongly recommended to visit the site regularly to check that the schedule is well respected. A picture worth a thousand words provide you, if necessary, with a camera. If you are a single-family builder, you can theoretically visit your future home only before each call for funds. FYI, the latter corresponds to a stage of construction.
And if you feel that the work is not progressing, do you say that not only the contract you signed protects you (penalties of not less than 1/3 000 of the price per day of delay would then be due by the builder) but also that in the case that a very (too?) quickly completed site, the work could be botched. As they say, Rome was not made in a day.
9 – Become an owner
That’s it, you’re the owner! And the moment is (finally!) Come to verify that the house that the manufacturer has delivered to you is at all points in conformity with what was planned. If that were not the case, then it would be up to you to make reservations. A holdback of 5% of the price could apply until the reserves issued are lifted.
Know that you have the opportunity to have an expert assist you to find any imperfections that you would not notice during your visits to the site. In the absence of an expert, you will have a period of eight days to issue your reservations.
10 – Make your house
In addition to the “damage-work” guarantee that any individual who has his new build homes built must subscribe and that makes it possible to speed up the repair of damages that you may be the victim of, three essential guarantees for the protection of the owner are provided for in the CCMI.