Your property expert
Need the expertise of a property professional? Immo-Kraainem.be works with a chartered property expert and a surveyor, giving you access to all property valuation and consultancy services in Kraainem and the surrounding area. Whether you’re looking for a bank valuation, an inventory of fixtures, a property valuation or help with the provisional or final acceptance of a property, we’re here to help. Whether you are a buyer or a seller, we are here to advise and coach you throughout the process of buying or selling your property.
Do you need banking expertise in Kraainem ?
From January 2022, lenders, i.e. banks, will be obliged to consider the estimated value of the home by means of a bank valuation rather than the purchase price before granting a mortgage loan for the purchase of a home.
This new rule has been imposed by the European Banking Authority (EBA), the European banking supervisory authority, which has published a directive making it compulsory to include an “objective valuation report” in all mortgage applications from 1 January 2022.
At Immo-Wezembeek.be, we use accredited independent experts to carry out these valuations.
There are many advantages to having a valuation carried out. As a buyer, you want to know exactly what you’re buying, how much you can borrow and have peace of mind when it comes to your mortgage. That’s why the valuation report is so important.
An independent valuation enables you to determine the exact value of a property, partially neutralising the emotions that can lead to an overestimation of the value of homes.
Opting for a bank valuation adds real value.
Before you buy a property or sign a compromis, it is essential that you systematically request a valuation via Expertiseimmobilière.be.
We offer you a professional valuation on the best possible terms, with the guarantee of receiving your report within 5 working days.
Let’s ask the right questions together:
What is the exact value of the property you want to buy?
How much are you going to invest?
How much equity do you need?
What is your income?
How much will the loan cost?
Are you making a good purchase?
We are approved by the main banking institutions:
ING banking expertise
Banking expertise BNP Paribas Fortis
KBC banking expertise – KBC Brussels – CBC
Make the choice of peace of mind and expertise by calling on our team of approved property experts.
Property valuation in Kraainem
Choose to have your property valued by an independent professional when buying or selling!
Estimating the value of a property is not something that can be improvised, nor can it be simply estimated online or on a classified ads website. On our website, we specialise in the Brussels region, its suburbs, Walloon Brabant, Namur, Hesbaye and Hainaut.
A property expert has the necessary know-how to accurately assess the value of a property as part of a sale, purchase or inheritance.
Avoid the pitfalls of online valuations and random comparisons. The golden rule for valuing a property is to know its area and surroundings inside out.
Location is everything: a sought-after area, proximity to amenities (shops, schools, transport, car parks, etc.) and any local nuisances are all essential factors in correctly valuing a property.
Our expertise goes beyond the property’s appearance and decoration. We analyse the property’s town-planning regularity, its general condition (no problems with damp, mould, etc.), technical aspects, the quality of finishes, and we take into account financial aspects such as charges, cadastral income, PEB, electrical compliance, etc.
We also take into account factors such as market demand, mortgage rates and tax benefits, because it is buyers who set property market prices.
Our property market is dynamic, with many buyers, which can increase the value of your property. On the other hand, in times of crisis, with hesitant buyers and a slow market, the value may be different.
In short, property valuation is a profession that requires specialised expertise. Contact a local property expert who is active in your area and has in-depth knowledge of the neighbourhood and the market to obtain a reliable valuation of your property. Rely on our team of competent and experienced property experts to help you with your property project.
Inventory of fixtures and fittings
Inventory of fixtures for property rentals
When the keys are handed over, usually when the lease is signed, an inventory of fixtures must be drawn up and attached to the lease contract. This document details the condition of the property and its equipment when the tenant takes possession. It is often accompanied by a photo report for better documentation.
Exit inventory of fixtures for property rentals
The exit inventory of fixtures is a detailed report on the condition of the property and its equipment rented to the tenant by the landlord. It is carried out when the tenant leaves, to check that the property and its equipment have been maintained in accordance with the contractual obligations of the landlord and tenant. It is also at this time that the surveyor assesses any damage to the property and determines any compensation payable.
Provisional or final acceptance at Kraainem
A professional to help you take delivery of a new property or one under construction
If you’re planning to buy a new property or one under construction and would like professional assistance, we’re here to help! The provisional or final acceptance of your property is of vital importance, particularly for the ten-year guarantee on new properties.
Provisional and final acceptance of a new-build property
If you are in the process of having a new house built or buying a new flat, there are two essential stages in the acceptance of your new property:
Provisional acceptance: This takes place once the building work has been fully completed. During this visit, you will be accompanied by the construction company (the builder), the architect and often your property expert, who will represent or assist you. During this visit, you can point out any visible defects, unfinished finishes or other problems.
A hidden defect (and therefore invisible at the time of provisional acceptance)? The law provides for a period of at least one year between provisional acceptance and final acceptance. During this period, you will be able to check whether there are any problems with the property in use. If you identify any apparent defects, faults or shortcomings, it is essential to record them in a report signed by you, the architect and the builder.
Your agreement to the work during provisional acceptance, whether with or without reservations, will formalise your status as the owner of the property, in addition to the signing of the deed of sale at the notary’s office.
Final acceptance: If you are buying a property under the Breyne Act, final acceptance is compulsory and can only take place a minimum of one year after provisional acceptance. During this first year of use, if you find any other shortcomings or defects, the builder or developer will be obliged to rectify them. At final acceptance, you will check the comments made at provisional acceptance and during the one-year period, and you will acknowledge that the work has been carried out correctly. At this stage, the construction company will be released from its liability for any apparent defects that you have not yet spotted.
Please note: If your new property or property under construction does not fall within the scope of the Breyne Act, final acceptance may be treated as provisional acceptance. Don’t hesitate to ask your surveyor or solicitor for more information.
Start of the ten-year guarantee: The agreement you give at the time of final or provisional acceptance (depending on the terms of the contract with the developer/builder) will mark the start of the ten-year guarantee. This guarantee covers any defects affecting the essential elements of the building or jeopardising its stability for a period of 10 years, even if they have not been identified at the time of final acceptance.