How to build your house properly?
When considering building your home, it is essential to follow certain rules and above all not to skip any steps. Here are the 10 fundamental stages explained by Rémi Fromaget, president of the INCA group, manufacturer of individual houses, and Cécile Hervé, director of sales of the company.
In most areas, it is possible to own a new and comfortable detached house for the price of rent. There are many parameters that enter into the budget evaluation. First there is the location of the construction, which will impact it. When it comes to the house itself, you will have to take into account everything that revolves around your family’s life (number of rooms, bathrooms, need for an office, size of the land, etc.). Once these elements have been determined, we can assess the necessary budget and compare it with the income you have, in order to make certain arbitrations and make the project financially viable.
The ideal terrain is one that corresponds to your desires. In his research, you will be able to check, for example, the proximity of services (transport, shops, schools, etc.). Another determining factor is the orientation of the terrain, which will condition the establishment of your home. This will allow you to have maximum sunshine.
More generally, environmental constraints must be taken into account to ensure the best comfort of life. Thus, one must be attentive to the quality of the soil, the nature of which determines the type of foundations. This is particularly the case for clay soils which can generate additional costs. Finally, it is important not to focus on geographic distance which can also provide a better quality of life. This is all the more true since the internet broadband network is expanding rapidly, thus promoting the coveted work at home. At the same time, transport networks are becoming more efficient and shared transport solutions are structured quickly: they allow easy entry to large cities.
You have the option of building your home yourself, calling directly on businesses or entrusting the construction to a manufacturer. In this last case, how to choose the right one ? To find the right manufacturer, you must first look at the history of companies, make sure of their seriousness and their values. It is also important to check whether the professional holds the NF Habitat certification and his MF Habitat HQE variant. Indeed, the manufacturers who hold it must comply with a very strict benchmark. This will guarantee the customer, quality of construction and services. It is also good to consult customer opinions, especially if they are certified by an independent third party who guarantees their veracity. Finally, any serious manufacturer will give the possibility to its potential customers to visit the work in progress or the houses already delivered, in order to discuss directly with previous customers. Another way to measure the manufacturer’s quality is to verify that he has teams internally. It is true that it is increasingly rare. But it can make a difference, especially in the context of the shortage of skilled labor that we are currently experiencing.
During this fundamental phase, it is essential that you define your expectations precisely so that the plan corresponds to you. So, before any draft, the manufacturer will need to speak at length with you, to know your lifestyles, your habits, your preferences, your budget…. Once all this information has been integrated, the manufacturer will offer you a personalized plan. Thanks to the new graphic creation tools (3D …), you will be able to benefit from a very realistic overview of your future place of life. The plan is produced free of charge by most manufacturers. Once established, it will be encrypted and accompanied by a description. This will form the basis of your project which, if appropriate, will then be contracted.
It is important to properly design the financing plan, from the start of your project, to avoid unpleasant surprises. It is essential to plan all expenses. For example, by accurately anticipating the price of energy connections, by correctly evaluating the entire part concerning interior design… On the banking side, it is necessary to put different organizations into competition. It should not be forgotten that there are different forms of subsidized loans (at zero rate, employer loans, etc.) from which we can benefit. It is also advisable to take care of his borrowing profile by obliging to keep his bank accounts well before applying for a loan. Having a contribution will be likely to reassure the banker and make you benefit from more attractive rates. You should know that the debt ratio should generally not exceed 33%. If incomes are high, however, there is the possibility of exceeding this rate. In all cases, the rest of the family will be assessed. Finally, it is advisable to take care to subscribe a loan offer neutralizing the interlayer interest. Generally, the majority of banks offer it elsewhere.
The contract for the construction of individual houses (CCMI) is governed by the law of 1990. It was designed to protect construction candidates. It imposes essential guarantees and information such as the reimbursement guarantee, the delivery guarantee at agreed prices and deadlines. The latter assures you that in the event of a manufacturer’s failure, a guarantor (insurer or bank) will take over to carry out the construction of your house. The CCMI describes precisely all the services provided for in the contract. It contains mandatory documents guaranteeing you the best understanding (descriptive notes, plans, prices, lead times, etc.). It imposes the description and the quantification of all the services not included, but essential to the habitability of the building (like the work of connections) and presents a regulated schedule of the sums to be paid according to the progress of the works. Before signing, the client will also have every interest in verifying possible “subricacies” in the presentation of projects: is the damage insurance included in the contract price ? Is the price discountable ? Isn’t the deadline for carrying out the work too long ?
The CCMI being signed, the manufacturer accompanies you at each stage of your project. Thus, He will in particular analyze the urban planning rules, constitute your request file for Permits de Build, carry out all the necessary technical studies, assist you in your administrative procedures (request for connections, notary, bank, declaration of commencement of works) . He will also accompany you in the customization options of your home, guide you in carrying out the electrical plan according to your wishes and in compliance with standard NF-C 15100. He will carry out a complete review of the contract and the plans, making it possible to bring the contract into conformity with the last technical options selected and finalize the final execution plans, once the demarcation of the land has been completed. It takes 2 to 3 months to obtain the building permit and between 5 and 7 months for the opening of the site.
During the duration of the work, the manufacturer is your privileged contact. He coordinates all the work, regularly performs quality controls on your site. At each stage, an appointment is organized to keep you informed of the progress of your construction. In general, the work driver writes a site meeting report which he gives you. These meetings allow you in particular to note the progress, before any settlement of a call for funds. After 8 to 10 months of work on average, the reception of the works consists in the transfer of ownership and responsibility of the work which passes from the manufacturer to the contracting authority. A reception report is established contradictorily. This is the starting point for all guarantees. Damage insurance covers your home against all disorders that would make it unsuitable for its destination for a period of 10 years and without seeking responsibility. The guarantee of perfect completion will cover your home against all the invisible disorders at the reception, which would appear the first year. Finally, the biennial guarantee concerns the proper functioning of all the equipment in your home (ventilation, locks, etc.).
The keys are given, you have to finish fitting out the house. Depending on the desired level of finish, the house is delivered either turnkey and all that remains is to move in, or ready to decorate and, in general, there is work on wall coverings, floor in certain rooms. We must think of the exterior fittings: fence, portal and of course the green spaces. Most manufacturers have a network of partners who will be able to provide you with the services you expect. At the same time, and before handing over the keys, you must have purchased multi-risk home insurance, choose your energy suppliers. Again, your manufacturer will be able to assist you in these procedures.
It is important to check that the manufacturer has an efficient after-sales service, capable of being able to accompany you once the delivery of the house has been made.