it is  the new home  where love and complicity will be shared. However, this is a task that requires a lot of attention and whose success will depend on good planning to buy an apartment.

In addition to considering the goals and financial commitments, it is necessary to develop smart strategies to win the keys to the new residence.

Want to qualify for the acquisition of the dream property and start a new family? Continue reading this post and learn essential tips to achieve this goal.

Know the importance of financial planning

Taking impulse decisions to "see what will happen", especially when buying a property, can cause several setbacks and a crisis in personal finances. Therefore, the recommendation is to plan.

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Good planning, even if simple, is essential to outline your goals and achieve your goal. It is as if it were a road map signaling speed, alternative routes and stopping points, if a pause in the route is necessary.

And when  buying your apartment it is essential to do financial planning. With it, doubts about the operation are easier to be solved. Issues related to value, financing, payment capacity, legal aspects and entry need to be well clarified so that you do not rush or fail to close a good deal.

Check out 7 planning tips to buy an apartment

If you are still not sure how to start financial planning to make a great apartment purchase, we have listed important tips for preparing your plan that can make this task much easier. Check out!

1. Assess your budget

With financial planning, you know the capacity to purchase and pay for the property. So the first step is to check how your budget is doing.

The tip is to create a spreadsheet to record all your income and expenses: monthly remuneration, extras, investments, expenses with transportation, telephone, food, education, health and other fixed and essential expenses.

Then, subtracting what you spend from what you earn, the result of the transaction is the amount that will be used to start saving.

2. Cut expenses

Zero or negative is a result that needs to be reversed to get out of a delicate financial situation that will make it difficult to fulfill your desire. For that, it is certainly necessary to cut expenses.

Have the willpower and dedicate yourself to eliminating what is unnecessary first. Then it's time to evaluate the reduction or cut in other expenses: reduce happy hour and going out with friends, opt for less costly or free leisure activities, make more use of urban transport, among others.

3. Save money

After the revenue / expense ratio is balanced with a positive balance at the end of each month, the suggestion is to bet on safe and profitable investments. This money can be used to register the assets. If possible, save 1/3 of your entire recipe.

Another tip is to always negotiate discounts. They help a lot to save and, consequently, bring you closer to your goal.

4. Settle your debts

If you are in arrears, do what you can to get rid of this situation: cut expenses, look for extra income, sell belongings that you no longer need, etc. If your name is on the list of defaulters, try to remove it as soon as possible, as it is not possible to finance with the name "dirty".

If debts are too high, negotiate with creditors. There is a chance of payment in installments or a discount for the full payment of the outstanding balance.

5. Find the ideal property

Knowing your budgetary reality, the available real estate credit lines and even the possibility of using your FGTS, you are in a good position to define and search for the property you want. To do this, note some factors that can influence your decision:

• buy new, used or on the floor: apartment on the floor may offer advantages in terms of payment, but it is necessary to wait for the completion of the work; the new apartment means to move immediately, but with a higher market value; the used one, despite its lower cost and immediate change, requires verification of the property's conservation and the cost of possible renovations, in addition to paying close attention to the legal situation;
• built area: depending on your life project (having children, for example), be very careful with the  construction area  and the number of rooms available to ensure the comfort of the residents. One-bedroom properties can be too small and three-bedroom properties too large. For the first purchase, the suggestion is a two bedroom apartment;
• location: this is a factor that directly influences your routine. Observe if the residence is close to a pharmacy, supermarket and school; check the traffic conditions, the ease of access to public transport, the distance from your place of work or study and if the neighborhood is safe.

6. Consider the infrastructure of a condominium

Buying the property is an investment of the money you have set aside. Therefore, anything that adds value to the heritage is welcome. Condominiums of construction companies attentive to the demands of the market offer a lot of convenience to residents: gourmet space, complete leisure area, party room, gym, 24-hour concierge, internal circuit monitoring and much more.

7. Check the builder and the property documentation

Regardless of whether an apartment is on the floor, new or used, be sure to make sure the builder's credibility. Look for information with buyers, search the internet, visit other properties and make sure that the patrimony situation is regular before the municipality, the state and the Union. and within the law.

Now that you have checked the main planning tips for buying an apartment, do yours and start the journey in search of the realization of one of your big dreams. And don't forget to count on  the support of an  experienced real estate agent to help you achieve that goal.