Buying with a mortgage in Sulcis: checks before making an offer
Found a home and considering a mortgage? Bring your property plans and financing together before agreeing a price and deadlines. Prepare these questions for the bank, agency and notary.
What to prepare
- Available savings and expected purchase expenses.
- Personal, income and property documents requested by the bank.
- PIES documents to compare and questions about excluded costs.
- Timing for valuation, lending decision and release of funds.
Plan the full purchase cost
Separate the house price from taxes, notary and agency fees, possible work and other expenses. Write down the funds you can use now and the amount you would ask the bank to lend. Have each cost checked before setting your budget.
Prepare documents and compare offers
The bank assesses income, financial commitments and property documents. Ask for the list for your case. Compare PIES, the personalised mortgage information sheets: review TAEG, the annual percentage rate of charge, term, instalments and total repayment. Ask about excluded expenses such as notary fees.
Coordinate the offer and mortgage timing
The bank’s valuation may differ from the agreed purchase price. Ask which steps remain before a lending decision and when funds can be released. Before signing, clarify your commitments with the notary and what to provide for if financing is delayed. Work with the agency on property documents and the purchase timetable.
Frequently asked questions
Does an instalment simulation confirm approval?
No. It is an indicative calculation; lending depends on the bank’s assessment.
Does the bank’s valuation always equal the price?
No. It assesses the property as security for the lender and may differ from the agreed price.
How does Immobiliare Mattesu help?
We support purchase preparation, property documents and coordination with the parties involved. Credit decisions and mortgage terms remain with the lender.
