It depends on the bank and your financial profile, but the most common down payment is between 10% and 20% of the property value. Before choosing a property, the most strategic thing to do is to know your actual purchasing power and your financing level.

In addition to the property value, you should usually consider: • Taxes and transfer fees • Legal/notary fees • Bank appraisal (if you are financing) • Closing costs and bank terms A clear budget avoids surprises and protects your decision.

The requirements vary depending on whether you're paying in cash or financing, but the following are commonly requested: • Identification • Proof of income • Employment or business activity certificates (for self-employed individuals) • Bank pre-qualification (if applicable) In addition, you should review the property's legal documentation before signing any agreement.

This is confirmed through a legal and registry review of the property, checking: • Property registration number and ownership • Mortgages, liens, or encumbrances • Restrictions or easements • Municipal status, when applicable A secure purchase begins with a thorough legal analysis, not with a simple "I was told everything is fine."

• Difficulty obtaining bank financing • Conflicts with neighbors or property lines • Complicated municipal procedures • Problems reselling Therefore, it is always recommended to verify the plan, measurements, and actual condition before proceeding.

Yes. Negotiation is part of the market, but it should be done judiciously. The best negotiation is based on real data: comparable properties, the condition of the property, its time on the market, and the seller's terms.

On average: • Cash purchase: between 2 and 4 weeks • Purchase with financing: between 4 and 8 weeks The time depends on the appraisal, documentation, banking processes, and legal coordination.

Land use and construction feasibility • Legal access to a public road • Availability of water and electricity • Topography and potential hazards • Plan, location, and actual dimensions A plot of land might look good, but if it's not viable, it's a costly problem.

It's determined through a Comparative Market Analysis (CMA), taking into account: • Similar properties in the area • Condition of the property • Location and current demand • Time on the market and competition Setting the right price from the start accelerates the process and protects the property's value.

There's no single answer. It depends on your plan and your financial situation: • Buy if you're looking for stability and equity • Rent if you need flexibility and liquidity