Small steps to get your own home

Buying a home is a dream that most want to come true, but for many it seems difficult or impossible. However, with the right design, discipline and utilization of the right opportunities, it can be a reality. You do not have to hurry, with the right organization and the right moves, you can make your dream accessible without stressing or making it difficult for you as you first expected.

Gather the original capital

The first step to get your own home is to save a chapter to raise an amount that will be necessary to start the purchase process, give the deposit, and cover the first expenses. Take time to analyze your revenue and expenses and find opportunities to reduce unnecessary expenses. Even small daily changes, such as reducing coffee costs or food ordering, choosing more economical solutions for entertainment, changes in your consumer habits in terms of supermarkets, can offer you significant savings in the long run. Define a Realistic monthly savings target And keep him. A good idea is to use a separate bank account that will help you separate the money you want to save from other daily costs. This way, temptations become less for you and you can concentrate on your goal.

Evaluate your long -term needs

Before proceeding to search or buy a home, it is important to think of your future needs and goals. Calculate factors such as raising your family, your professional development and your daily habits. Also consider the importance of the location: Are they close to schools, workplaces or public transport that you may need in the future? Choosing a house that can adapted to changes which may occur in your life, you reduce the risk of you will need a new move soon.

Research the market and select the correct property

A proper market research will help you find a home that meets your needs, without exceeding your budget. Invest in the search for real estate by examining different areas and types of homes and analyzing the advantages and disadvantages they offer. It is important to find a balance between cost and qualitytaking into account the location of the property, the area’s infrastructure and the long -term prospects. Visit real estate that interests you so that you have a clear picture of their condition and assess whether repairs or renovations are needed, which may make you get out of your budget. Working with an experienced broker can also prove to be valuable, as it will guide you to choose the right home based on your needs.

Use subsidies, support programs and lower cost funding options

There are options available to make the cost of buying a home more manageable. Seek subsidies or support programs addressed to new buyers, families or people wishing to acquire their first home. In many cases, these programs provide financial assistance to advance payment or reduced interest rates on mortgages. Find out about the available programs that can provide you with access to opportunities you might not know. An important point in the process of acquiring a home is to choose the appropriate mortgage loan. Banks often offer special packages for new buyers, which may include reduced interest rates or programs that allow early repayment without additional charges. The help of a consultant may make it easy for you to make the decision, ensuring that you will benefit from the best possible funding conditions.

Find your own specialized consultant who personally deals with your mortgage loan, exclusively at Eurobank’s pioneering service “Central Unit of Mortgage Loan”. Personally assumes your case after financial pre-approval of your application until the loan is disbursed, guides you step by step, and makes the processes faster and the overall experience even better! Communicate directly with the executive on his mobile phone, Monday-Friday, 09: 00-16: 30 or by email, without visiting a store. And of course they are with you and for buying a home with the “My Home 2” program. The “Home 2” program of the Reconstruction Fund, managed by the Hellenic Development Bank-HDB, allows you to obtain a low-profile loan of up to € 190,000 and is targeted at individuals or pairs of 25-50 years for the purchase of a first home. For the acquisition of a mortgage through Eurobank’s “My Home II” program, legal and technical inspection is free for applications up to 30.04.2025.

A dream come true

The journey to acquire your first home may seem difficult, but every little step you take brings you closer to your goal. Consequently, properly designing and utilizing the right opportunities, your dream can come true. Your new home will soon become the point where you will create memories and build the life you want.