From offer to acceptance and compromise

The timetable works like this:

1. Make sure that you have a notaire/notaris.

2. Make an offer (subject to being able to obtain a suitable mortgage if that is necessary), making sure that the wording is agreed by your notaire.

3. Offer is accepted - both sides are now committed to the sale (although the acceptance is only provisional if your offer included a condition).

4. Obtain the mortgage if necessary.

5. Both sides sign the compromise de vente at the offices of the seller's notaire, you having paid a 10% deposit to your notaire beforehand.

6. Your notaire carries out all the legal checks.

7. Both sides sign the acte de vente at the offices of your notaire, you (or your mortgage company) having paid the balance including all fees and taxes due to your notaire beforehand. The property is yours.

Your physical presence is required for steps 5 and 7 but obviously the dates are set by mutual agreement. Note though that step 7 must take place within 4 months.

Note also that YOU must be satisfied with the condition of the property before you make an offer.

If you're 100% certain, make offer NOW.

In 3 weeks, it will have sold (at least if it's any good)

You have 4 months to complete once an offer has been accepted.

Personally, for the sake of one of the biggest financial decisions of your life, I'd delay the holiday for a week and sort it out first. Otherwise, you'll never relax with the stress.

J is right, good property at a fair price sells in days if not hours.

Get a notaire first thing in the morning, most notaires (notaris) that can speak Dutch speak English as well if that is a problem. Then, if you need a mortgage, and you haven't already done so, find out how much you can borrow, your bank is a good starting point because they know you. They may well be prepared to lend less than you think because that is how it works in Belgium, lenders are required to be cautious by law. Finally, don't forget that taxes and fees can easily add 20% or more to the agreed price, your notaire will explain but at least the fees and taxes are fixed (and linked to the price). Meet the agent and see the property again and then a get a written offer in. You could do all that tomorrow if you try. But remember, once that offer is accepted you are committed, in less than 4 months it will be yours.

J is right, good property at a fair price sells in days if not hours.

Get a notaire first thing in the morning, most notaires (notaris) that can speak Dutch speak English as well if that is a problem. Then, if you need a mortgage, and you haven't already done so, find out how much you can borrow, your bank is a good starting point because they know you. They may well be prepared to lend less than you think because that is how it works in Belgium, lenders are required to be cautious by law. Finally, don't forget that taxes and fees can easily add 20% or more to the agreed price, your notaire will explain but at least the fees and taxes are fixed (and linked to the price). Meet the agent and see the property again and then a get a written offer in. You could do all that tomorrow if you try. But remember, once that offer is accepted you are committed, in less than 4 months it will be yours.

J is right, good property at a fair price sells in days if not hours.

Get a notaire first thing in the morning, most notaires (notaris) that can speak Dutch speak English as well if that is a problem. Then, if you need a mortgage, and you haven't already done so, find out how much you can borrow, your bank is a good starting point because they know you. They may well be prepared to lend less than you think because that is how it works in Belgium, lenders are required to be cautious by law. Finally, don't forget that taxes and fees can easily add 20% or more to the agreed price, your notaire will explain but at least the fees and taxes are fixed (and linked to the price). Meet the agent and see the property again and then a get a written offer in. You could do all that tomorrow if you try. But remember, once that offer is accepted you are committed, in less than 4 months it will be yours.

Q - "How does it work?"
A - Get a notaire NOW!

Just go through this Q&A looking at the questions about buying and selling houses, and you will see a lot of pain and trauma from people who haven't taken proper legal advice. As J notes above, buying a house is "one of the biggest financial decisions of your life".

As it is, you don't even know what the process is, let alone all the potential pitfalls along the way - so you need to see a notaire. They are very easy to get, just look up a local one in the phone book, or online at www.notaire.be. They don't charge you anything until the actual transaction occurs, you will have to have one anyway eventually to write up your acte de vente, and their fees are fixed by law. But it makes A LOT of sense to get one before you do anything (including making your initial offer) so that they can advise you correctly. i.e. the wording of your initial offer (even before the compromis de vente) should include such things as a time limit, and various conditions that the offer depends on your getting finance etc. etc.

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