BUYING AN APARTMENT How we bought our first home with no deductible

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Published on Sep 6, 2020

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Our story about how in 2019 we bought our first own home with BGN 0 savings, no other collateral, no guarantors. Video content: 00:00 Intro 00:25 Background 01:27 The right moment 02:52 Preliminary research 03:34 Credit consultants 04:07 Brokers 05:58 The apartment 10:44 First consumer loan 12:03 The bank - income 14:09 Preliminary contract 15:37 Market valuation of the property 16:30 Lending 17:51 Our mortgage loan 19:21 Notary transaction 20:20 Acquisition fees, taxes, etc. 20:59 Notary deed 21:25 Entry into possession 22:10 Change of lots 22:32 Renovation *I am not a financier or real estate and lending expert, this is personal experience not intended to give advice or guidance on what to do in your case. **The bank from which all three of our loans - consumer for down payment/deductible, mortgage loan and consumer loan for repairs - is Allianz Bank Bulgaria. The interest rates and terms are currently different from those we used to draw. When buying a property with a bank loan and a collateral mortgage on the purchased property, you have a certain advantage of double checking for encumbrances and obligations - the bank also has an interest in the transaction being in order. What we would have done differently would have been to have the property inspected by a lawyer before we even went to pre-contract (between that and the deal we also had a consultation with a real estate lawyer). Kitchen from Ikea - Is it worth it? - • Kitchen from IKEA Is it worth it? We moved - • Video MORE FROM AGLEU: -Keto diet for beginners: https://agleu.eu/ketogenic-dieta/keto/ -Keto sweeteners: https://agleu.eu/ketogenic-dieta/keto... - Why I'm not ZERO WASTE (and I won't be): https://agleu.eu/za-zhivota/ne-sam-zer... - Comedogenic indexes - what clogs pores: https://agleu.eu/sostavki/ cosmetics/k... Alcohol in cosmetics - necessary or dangerous? https://agleu.eu/составки/алкохол-в-к... - What is EPIKOR and how does it help: https://agleu.eu/здраве/epikor/ - Benefits of collagen: https://agleu.eu /health/collagen/ ---------------------------------------------------- -------------------------------------------------- ----------------------- NOTE: +The advice in this channel is my own, subjective and based on my personal experience and is the same that I would give you and face to face. +I only partner with companies for products I like. +Indicate in the description when the video is a joint project with a person, channel or company. Subscribe to new, diverse and interesting videos here: https://goo.gl/kg67tP Instagram: / agleu.mama Facebook: / agleu BLOG: https://agleu.eu/ ---------- -------------------------------------------------- --------------------------------- MUSIC CREDIT: Music kindly provided by IKSON: / ikson Glitch by Audionautix is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/...) Artist: http://audionautix.com/

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