Rent your property
The advantages of using a real estate agency
Using a local professional estate agency offers numerous advantages.
From the very beginning of your search, we provide a selection of properties matching your criteria, thus allowing you to compare listings and gain a clear understanding of the local market.
Even before the first viewings, Agence du Lay verifies the property's compliance :
certificates, diagnostics, title deeds, any existing easements, etc. This process ensures the legal security of potential transactions.
Our advisors can also guide you through the financial aspects of your project, helping you estimate your overall budget or explore the financing options best suited to your needs.
Calculating the purchasing budget
From the very beginning of your search, we provide a selection of properties matching your criteria, thus allowing you to compare listings and gain a clear understanding of the local market.
Even before the first viewings, Agence du Lay verifies the property's compliance :
certificates, diagnostics, title deeds, any existing easements, etc. This process ensures the legal security of potential transactions.
Our advisors can also guide you through the financial aspects of your project, helping you estimate your overall budget or explore the financing options best suited to your needs.
ssess the total cost of the project.
Beyond the purchase price, don't forget to include:
- THE Notary fees (approximately 2.5% for a new property or 7.5% for an older property),
- THE Additional costs (potential renovations, furniture, fittings, etc.).
- Our advisors are available to help you accurately estimate your potential budget and avoid any unpleasant surprises.
Signing of the preliminary sales agreement
It specifies all the conditions of the transaction:
- the identity of the parties,
- the designation of the property,
- technical diagnostics ,
- the selling price,
- the completion time,
- prerequisite conditions (for example, obtaining a loan),
- The notaries handling the sale,
- Upon signing, the buyer pays a deposit (up to 10% of the property price but often 5%).
- They then have a 10-day cooling-off period to cancel the purchase.
- If financing is used, a prerequisite condition regarding loan approval is included. If the loan is refused on the specified basis within the noted timeframe, the buyer is released from all obligations and receives a full refund of their deposit.
- On average, three months elapse between signing the preliminary sales agreement and the final sale completion, allowing the notary time to gather all the necessary documents: civil status records, property titles, diagnostic reports, planning documents, etc.
Assembling the mortgage loan application
Once the preliminary sales agreement is signed, the buyer can finalise their financing application .
The bank reviews the application and issues a preliminary agreement subject to acceptance by the insurance company and, if applicable, the guarantor.
Upon receiving the loan offer , you have a statutory 10-day cooling-off period before you can sign it and return the documents to your bank.
The funds will then be transferred directly to the notary to finalise the transaction. Generally, the timeframe stipulated in the preliminary sales agreement for obtaining financing is 30 to 60 days from the date of signing.
Signing of the deed of sale
Once the notary has all the documents and the funds are released, it's time to sign the final deed of sale .
This document formalises the transfer of ownership and reiterates the terms of the preliminary agreement.
The keys to the property are handed over to the buyer at the appointment with the notaire, along with the ownership certificates while awaiting receipt of the official copy of the deed.
Congratulations, you are now the owner of your property in Les Contamines-Montjoie or Saint-Gervais !
Post-sale formalities
After signing, the notary sends the deed to the land registry for registration. Once registered, you will receive an official copy of the deed of sale.
This process can take several months (approximately 10 months in Haute-Savoie ). In the days following the purchase, remember to set up your new contracts (electricity, water, internet, home insurance, etc.).
Your advisor at Agence du Lay will assist you with these steps to facilitate your move.
Welcome to your new home
Your property purchase in Les Contamines-Montjoie is finally a reality!
Whether you chose Les Contamines-Montjoie or Saint-Gervais , you can now enjoy an exceptional living environment nestled between mountains, nature, and authentic charm.
Our team remains at your disposal to assist you with all your future property-related procedures and projects.