{"id":9234,"date":"2026-04-17T14:46:57","date_gmt":"2026-04-17T14:46:57","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=knowledge-base&p=9234"},"modified":"2026-04-20T09:49:52","modified_gmt":"2026-04-20T09:49:52","slug":"achat-de-nouvelles-constructions-ce-quil-faut-savoir","status":"publish","type":"knowledge-base","link":"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/achat-de-nouvelles-constructions-ce-quil-faut-savoir\/","title":{"rendered":"Achat d'une nouvelle construction - Ce qu'il faut savoir"},"content":{"rendered":"

L'achat d'une maison neuve pr\u00e9sente de nombreux avantages et attraits. Non seulement vous \u00e9vitez le drame fastidieux d'un vendeur avec une transaction li\u00e9e et une longue cha\u00eene, mais en g\u00e9n\u00e9ral, les propri\u00e9t\u00e9s neuves sont plus efficaces sur le plan \u00e9nerg\u00e9tique et n\u00e9cessitent moins d'entretien une fois que vous avez emm\u00e9nag\u00e9. Tous les \u00e9quipements et accessoires va<\/a> be brand new and essential white goods are also included, but may be subject to suppl\u00e9mentaires<\/a> charge. Moreover, developers can offer some attractive incentives such as Stamp Duty contributions, furniture packs and legal fee contributions.<\/p>\n\n\n\n

L'achat d'un bien immobilier bien avant qu'il ne soit achev\u00e9 peut sembler \u00e9trange et risqu\u00e9, mais il est possible que la valeur du bien augmente consid\u00e9rablement apr\u00e8s sa construction, car vous l'ach\u00e8terez au prix du march\u00e9 actuel au moment de l'\u00e9change des contrats et non \u00e0 la valeur du march\u00e9 une fois qu'il sera achev\u00e9. Par cons\u00e9quent, qu'il s'agisse d'un investissement ou d'une occupation personnelle, l'achat sur plan est souvent une option viable et attrayante.<\/p>\n\n\n\n

L'achat d'un bien immobilier neuf pr\u00e9sente de nombreuses diff\u00e9rences par rapport \u00e0 une transaction immobili\u00e8re \u201cclassique\u201d. Vous devrez vous assurer que l'avocat que vous chargez d'agir en votre nom conna\u00eet bien les transactions relatives aux nouvelles constructions et qu'il est en mesure de reconna\u00eetre les risques et les pi\u00e8ges inh\u00e9rents qui peuvent souvent se pr\u00e9senter et de vous guider dans leur r\u00e9solution.<\/p>\n\n\n\n

Frais de r\u00e9servation et d\u00e9lais d'\u00e9change<\/h4>\n\n\n\n

Usually before taking a property off the market the developers will require a reservation fee \u2013 generally around \u00a32,000 but may vary between developers. This reservation fee will be deducted from the deposit payable to the developer\u2019s solicitors upon exchange of contracts. As there is generally a high demand for off-plan properties the developers will also impose an exchange deadline \u2013 usually 21 or 28 days \u2013 this will be from the day your solicitor receives the contract pack from the developer\u2019s solicitors. Therefore it is imperative that your solicitor is able to act quickly to ensure that you can meet this deadline and avoid missing<\/a> the deadline and risk d\u00e9ch\u00e9ance<\/a> of the reservation fee.<\/p>\n\n\n\n

D\u00e9p\u00f4ts et primes de construction<\/h4>\n\n\n\n

Exchange of contracts is when the transaction becomes legally binding<\/a>. At this stage the developers will require 10% of the purchase price to be paid<\/a> to their solicitors. Certain developers may require further deposits or staged payments to assist with the construction of the development, this will be specified in the contract. Moreover, more often than not the contract will specify that these sums will be held as \u201cagent\u201d. This means that as soon as the developer\u2019s solicitors receive the monies they are able to release them to the developer<\/a>. As you will be entering into a legally binding transaction so far in advance of completion, a lot of things can happen in that period of time. For instance, the developers may become insolvent and go into liquidation. Therefore, it is important that your solicitor understands the risks and takes<\/a> steps to protect your position especially in relation to the deposit you have in essence advanced to the developers.<\/p>\n\n\n\n

Usually the New Build Garantie<\/a> Provider will act as a deposit guarantee should the developers fail to complete because they are in liquidation or by reason of fraud. However, the New Build Warranty Provider will only usually guarantee a maximum of 10% of the purchase price or \u00a3100,000 (whichever is lower). Therefore when agreeing to pay further deposits or construction sums, which are not protected, you should consider the size and reputation of the developer before agreeing to them.<\/p>\n\n\n\n

Missions<\/h4>\n\n\n\n

Some investors may wish to sell the benefit of the contract to someone else before the property has been completed. This can be an attractive option as you will be able to take away the profit made on the transaction and the original deposit (and any construction sums paid) up to that point. Moreover, you avoid paying Stamp Duty and HM Land Registry Fees. However, if this is your intention<\/a> it is important that the contract allows you to do so.<\/p>\n\n\n\n

As a seller in an assignment, it is important to note that just because the transaction has completed you do not fall out of the picture. Should your buyer fail to complete then the developers can look to you to complete the transaction and you will be responsible for any default<\/a> interest and notice fees. Practically speaking this may be unlikely as the developer will just retain the deposit paid and remarket the property. As a buyer, it is difficult to obtain mortgage financer<\/a> on an assignment and very few lenders offer on these transactions. Therefore, more often than not a buyer will usually be financing the purchase through cash, which of course also restricts the potential market the seller can sell to.<\/p>\n\n\n\n

Hypoth\u00e8ques<\/h4>\n\n\n\n

Il est assez fr\u00e9quent que l'acheteur proc\u00e8de \u00e0 l'\u00e9change sans b\u00e9n\u00e9ficier d'une offre de pr\u00eat hypoth\u00e9caire. Cela s'explique par le fait que la date d'ach\u00e8vement est tr\u00e8s \u00e9loign\u00e9e et que les offres de pr\u00eat hypoth\u00e9caire expirent g\u00e9n\u00e9ralement avant cette date. La plupart des pr\u00eateurs proposent des offres qui restent valables jusqu'\u00e0 6 mois, il serait donc prudent de commencer \u00e0 faire des demandes \u00e0 ce moment-l\u00e0. Le mieux est de vous adresser \u00e0 votre conseiller financier qui pourra vous conseiller davantage.<\/p>\n\n\n\n

Il y a un \u00e9l\u00e9ment de risque dans la mesure o\u00f9 vous vous \u00eates engag\u00e9 dans une transaction juridiquement contraignante sans aucune garantie que vous disposerez du financement \u00e0 la fin de l'achat. Bien entendu, la situation personnelle peut changer et il est important de s'adresser \u00e0 un conseiller financier ind\u00e9pendant qui pourra vous donner une id\u00e9e de la meilleure fa\u00e7on de financer l'achat.<\/p>\n\n\n\n

Une fois que le promoteur a signifi\u00e9 l'avis d'ach\u00e8vement, vous devez conclure l'achat et vous assurer que vous disposez d'une offre de pr\u00eat hypoth\u00e9caire valide au moment de l'ach\u00e8vement.<\/p>\n\n\n\n

Ach\u00e8vement sur pr\u00e9avis<\/h4>\n\n\n\n

Il s'agit de l'avis que l'avocat du promoteur signifiera \u00e0 votre avocat pour confirmer que le bien est pr\u00eat. En g\u00e9n\u00e9ral, le contrat stipule que vous disposez d'environ 10 jours ouvrables pour organiser vos affaires financi\u00e8res et pour permettre \u00e0 votre notaire d'effectuer les recherches n\u00e9cessaires avant l'ach\u00e8vement du projet.<\/p>\n\n\n\n

Upon completion you will need to provide the balance of the purchase price less any reservation fee, deposit and further deposits you have paid up to date. Included in these sums are usually any engrossment fees (a fee for the developers solicitors producing the final form lease<\/a> or transfer), a first contribution towards service charge and a proportion of ground rent attributable to your period of ownership.<\/p>\n\n\n\n

Dates d'arr\u00eat prolong\u00e9<\/h4>\n\n\n\n

This is a date in the contract built in to protect both the buyer and the developer. On the one hand, the developer cannot guarantee exactly when the property will be completed and at the offset can only give as estimated time scale (anticipated legal completion date) as to when they think the property will be ready. They will be relying on contractors who may not deliver and the weather in this country may also cause delays<\/a> in construction. Therefore the developers will want to include this date into the contract to protect them against any unforeseen delays. On the other hand, a buyer will not want to be left in limbo, bound to a contract with no deadline in which the developer must complete the build by. If the developers are adhering to the Consumer Code for Home Builders, the longstop date in the contract will usually be 12 months from the anticipated legal completion date. There will be little or no room to negotiate the longstop date in the contract for the reasons listed above, but should the developers not serve the completion notice by this date then you will have the option to cancel the contract and any deposits and further deposits paid will be returned to you.<\/p>\n\n\n\n

Should you have any questions about<\/a> this, or any question<\/a> in relation to new build property, please contact<\/a>\u00a0Berivan Erdogan at B.Erdogan@rfblegal.co.uk<\/a>.<\/p>\n\n\n\n

<\/p>\n\n\n\n

(A noter :<\/strong> This article was originally published on our previous website and is provided for general information purposes only. While it reflects the legal position at the time of writing, the law may have changed since publication. For up-to-date advice tailored to your circumstances, please contact our team<\/a>.)<\/em><\/p>\n\n\n\n

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