Author: jproi

Homes with basements: Weighing the pros and cons

Falling in love with a house that lacks a basement can leave potential homeowners in a dilemma. Is purchasing a home without a cellar a concern? Immovlan breaks down the advantages and disadvantages of having a basement in your residence.

The benefits of a home with a basement

Often referred to as the underbelly of a house, a basement can offer a plethora of advantages:

– Storage solution: One of the primary benefits of a basement is the ample storage space it provides. Whether it’s old furniture, seasonal decorations, or rarely used items, a basement can house them all, freeing up space in the main living areas.

– Utility room: Basements can serve as an excellent location for technical equipment such as water heaters, boilers, and other utilities. By situating these essential systems in the basement, homeowners can ensure that the main living spaces remain uncluttered.

– Easy access to pipework: If the plumbing runs through the basement, it becomes significantly easier to access, maintain, and modify when necessary.

– Wine enthusiasts’ paradise: For wine aficionados, a basement is a treasure trove. The naturally cool and consistent temperature in basements is ideal for preserving the quality and taste of wines.

The drawbacks of a home with a basement

While basements offer numerous benefits, they come with their set of challenges:

– Construction challenges: Building a basement requires extensive excavation work, which can be both time-consuming and costly.

– Potential moisture issues: Basements are prone to dampness, and any construction flaws can exacerbate moisture problems, leading to mold growth and structural damage.

– Flood risks: In areas susceptible to flooding, basements are the first to get affected. Proper waterproofing and drainage systems are essential to mitigate such risks.

Conclusion: To basement or not to basement?

Deciding whether to opt for a home with a basement boils down to individual preferences and needs. While the additional space and utility benefits are undeniable, potential homeowners must also consider the challenges and maintenance that come with it. It’s essential to weigh the pros and cons, assess the property’s location, and determine the potential risks before making a decision. After all, a home is a long-term investment, and every aspect, including the presence or absence of a basement, plays a crucial role in its value and functionality.

22/10/2023
5 tips to renovate your bathroom under €5,000

Renovating a bathroom doesn’t always mean spending a fortune. With some creativity and smart choices, you can achieve a stunning transformation without emptying your pockets. Here are five cost-effective tips to breathe new life into your bathroom for under €5,000.

1. Refresh the flooring

The floor plays a significant role in defining the overall look of a room, and the bathroom is no exception. Instead of replacing the entire tile flooring, consider overlaying it with a new material. For wet areas like bathrooms, PVC is an excellent choice. It’s moisture-resistant, dries quickly, and offers a non-slip surface. Plus, walking on PVC feels comfortable underfoot. The market offers a plethora of colors and patterns, ensuring you find something that matches your taste.

2. Embrace recycling

Due to the constant moisture in bathrooms, furniture tends to deteriorate faster. Rusty hinges and warped wooden pieces can be an eyesore. Instead of buying new furniture, why not repurpose solid wood pieces like tables, workbenches, or dressers? A bit of sanding, painting, varnishing, and fitting a sink can transform these pieces into chic bathroom fixtures, adding a touch of elegance to the space.

3. Say goodbye to the bathtub

With rising water costs and the convenience of showers, many households are ditching their bathtubs. Replacing them with walk-in showers or Italian-style showers can modernize the bathroom. These showers are not only stylish but also space-saving. Installing the base and necessary connections is straightforward, making it a cost-effective renovation option.

4. Paint over tiles

If your tiles look outdated but are still in good condition, consider painting them. Special tile paint, made of epoxy resin, is moisture-resistant, durable, and easy to maintain. This paint can be applied directly to tiles after cleaning, degreasing, and light sanding. Available in various colors and finishes (matte, satin, or glossy), it’s a quick way to revamp the bathroom’s appearance.

5. Upgrade your faucets

Quality fixtures in the bathroom (and kitchen) are essential. It’s frustrating to replace equipment shortly after installation. However, quality doesn’t always mean expensive. Today, you can find robust and reliable bathroom accessories at affordable prices, thanks to private sales or promotions by renowned brands. Changing faucets can dramatically alter the look of your bathroom, making it feel more modern and luxurious.

Conclusion

Renovating a bathroom on a budget is entirely feasible with some ingenuity and careful planning. By following these tips, you can achieve a beautiful transformation that not only enhances the aesthetics of your bathroom but also adds value to your home. Remember, it’s not about how much you spend, but how wisely you spend it.

22/10/2023
Top 4 bedroom plants for a restful sleep: Greenery for dreamy nights

The current trend is all about infusing your living space with plants. But when it comes to your bedroom, which plants should you choose for a rejuvenating sleep? Here are four top picks:

devon janse van rensburg

1. Valerian

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Many recognize Valerian as a natural sleep aid in supplement form. However, you don’t necessarily need to ingest it to reap its calming benefits! Having a Valerian plant in your bedroom can be a game-changer. Its pleasant scent can make drifting off to sleep a breeze. For maximum effect, place it close to your bed’s headboard.

2. Eucalyptus

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Wellness centers often incorporate eucalyptus for its soothing properties. Some experts believe this plant brings a sense of peace and tranquility. Dry a few branches and hang them near your bed or pillow. It might just be the aromatic touch you need for a deeper sleep.

3. Monstera

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With its deep green leaves, Monstera has become a bedroom favorite. Often dubbed the ‘bedroom plant queen,’ this beauty is believed to encourage pleasant dreams and ensure a sound sleep. Plus, its aesthetic appeal has made it a social media sensation.

4. Moonflower (Fleur de lune)

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If you’re on the hunt for purified air, this stunning plant with its white blossoms is a top contender. Moonflower is said to have a positive impact on the lungs, enhancing your breathing. It’s the ideal plant to boost your health as you sleep.

21/10/2023
Wood stoves: Is chimney lining always necessary?

When considering the installation of a wood or pellet stove, many homeowners ponder the feasibility of utilizing an existing chimney. Is it suitable for the type of stove you plan to install? While this question might seem daunting, there’s a straightforward solution that can address these concerns.

The basic principle of chimney lining

The concept is quite simple: instead of allowing the smoke to rise through a bare chimney, whose overall condition might be unknown, an independent stainless steel lining is introduced inside the chimney. This lining connects the stove at one end and extends to the chimney’s exit at the roof on the other. This method not only enhances the stove’s draft but also bolsters the safety of your installation, ensuring its longevity.

Caution with old chimney conduits

Traditional chimney conduits are typically masonry-built and may no longer be suitable for venting the smoke produced by modern stoves. These conduits are often too wide, lack proper sealing, and can pose risks due to poor draft, condensation, or inadequate resistance to the temperature of the smoke. These issues can increase fire hazards and negatively impact the operation and efficiency of your stove.

The ideal solution: Chimney lining

Lining the chimney emerges as the optimal solution, regardless of whether the conduit is straight or deviated. This is achieved using flexible stainless steel tubes, which typically feature a double layer with a perfectly smooth inner wall. For straight conduits, a rigid stainless steel tube is more appropriate. This round and smooth conduit, tailored to the stove’s diameter, significantly enhances its performance.

Benefits of chimney lining

1. Enhanced safety: Lining the chimney reduces the risk of chimney fires caused by creosote buildup or other obstructions.
2. Improved efficiency: A lined chimney ensures better draft, which in turn allows the stove to burn more efficiently, producing more heat with less fuel.
3. Extended lifespan: A lined chimney is less susceptible to the corrosive effects of flue gases, ensuring a longer lifespan for both the chimney and the stove.
4. Versatility: Whether you have a straight or deviated chimney, there’s a lining solution available to suit your needs.

Seeking expert advice

If you have questions or need guidance regarding chimney lining or wood stoves in general, it’s always a good idea to consult a chimney expert. Alternatively, you can initially approach a chimney sweeping company for insights. They can provide valuable information on the condition of your chimney and recommend whether lining is necessary for your specific situation.

Conclusion

While the charm of a wood stove is undeniable, ensuring its safe and efficient operation is paramount. By understanding the importance of chimney lining and seeking expert advice, homeowners can enjoy the warmth and ambiance of their wood stove with peace of mind.

20/10/2023
Navigating the “family loan” for first-time homebuyers in Belgium

In today’s challenging real estate market, many young individuals dream of owning their first home but often face financial barriers. Banks might perceive their capital as insufficient, making the home-buying journey even more daunting. However, various solutions can assist these young buyers in bolstering their loan applications. One such innovative solution is the “family loan.”

The Struggle of Young Households

An increasing number of young households find it challenging to navigate the process of acquiring their first property. For most first-time buyers, finding a house or even an apartment within their budget seems like an insurmountable task. Often, even couples with dual incomes find themselves reliant on external financial assistance to make a purchase. In such scenarios, parents typically come to the rescue.

Several strategies can be employed to assist these young buyers. Parents might consider:
– Making a financial donation, often viewed as an advance on inheritance.
– Gifting real estate assets, which might involve donation rights.
– Covering renovation costs.
– Acting as a guarantor for the loan.

For those lacking adequate personal funds, other options include total loans, mortgage assignments, investor groups, online co-investments, third-party assistance, and the pivotal “family loan,” which we’ll delve into further.

A Timely Financial Boost

Since 2020, the National Bank of Belgium has mandated that banks should not grant a mortgage loan exceeding 90% of the property’s value. Additionally, incorporating notary fees into the loan has become increasingly challenging. Given these constraints, familial support becomes crucial for young individuals aiming to purchase their first home. However, not all assisting parents are willing or able to dip into their savings to help their children.

In such situations, considering a mortgage loan simulation can be beneficial. Introduced by several banking institutions since September 2020, this allows individuals to borrow, in the form of an installment loan, an amount ranging from 10,000 to 50,000 €, primarily to cover notary fees. This can be a significant relief for young buyers on a tight budget. Moreover, depending on the parents’ situation, they can also mortgage their property. Specifically, once the child’s property equity reaches 90% of the remaining balance value, the mortgage guarantee can be transferred to their property. However, it’s essential to note that this loan should not exceed 50% of the parents’ total loan debt ratio.

Benefits of the “Family loan”

The “family loan” offers a plethora of advantages:
– It provides a financial cushion for first-time buyers, enabling them to navigate the property market more confidently.
– Parents can support their children without depleting their savings.
– It fosters a sense of financial responsibility and planning among young buyers.
– The flexibility of the “family loan” ensures that the loan aligns with the buyer’s financial situation and the property’s value.

Conclusion

The Belgian real estate market, like many others globally, poses challenges for first-time buyers. However, with innovative solutions like the “family loan,” young individuals can realize their dream of homeownership. By leveraging familial support and understanding the various financial tools at their disposal, the path to buying that dream home becomes clearer and more achievable.

If you’re intrigued by this innovative loan formula and wish to explore it further, consider reaching out to our partner, Mes-Finances.be, for more insights and guidance.

20/10/2023
Navigating construction contracts: Clauses to reconsider before signing

Embarking on a construction project is a significant commitment, both financially and emotionally. One of the most crucial steps in this journey is selecting a contractor and agreeing on the terms of engagement. Often, the contractor will present you with a construction contract or a specification sheet filled with numerous contractual clauses. While these documents are standard in the industry, it’s essential to approach them with a discerning eye. Some clauses, often buried in the fine print, might be more beneficial to the contractor than to you, the client.

Gabriekke Henderson

Understanding the contractor’s perspective

When disputes arise between homeowners and contractors, the latter often turns to their general terms and conditions to tip the balance in their favor. These conditions are frequently drafted unilaterally, heavily favoring the contractor. Therefore, it’s paramount to scrutinize the contract and its general conditions before putting pen to paper. Remember, the more eager the contractor is to start the project, the more likely they are to agree to remove certain clauses.

Price adjustments

If you’ve agreed on a fixed price with your contractor, be wary of clauses in the initial contract that allow them to hike the construction cost. Such increases might be attributed to rising material costs or labor hours. While it’s understandable that unforeseen circumstances can affect project costs, it’s wise to eliminate such open-ended clauses. Instead, opt for clear terms that specify any conditions under which price adjustments can be made.

Advance payments and interim billings

Check if the contractor demands an upfront payment or plans to send interim invoices. It’s advisable to steer clear of paying an advance. If your contractor goes bankrupt before or during the construction, you stand a chance of losing your money. Also, ensure that if the contractor bills in installments, the amount they’re charging aligns with the value of the work already completed.

Limiting liability

Another critical area to inspect is clauses that limit the contractor’s liability. Assess whether you’re comfortable with these limitations. For instance, remove any clause suggesting that by moving into the house, you’re implicitly accepting the work done. Also, check if the contractor sets a cap on the compensation you might claim from them.

Seeking legal counsel

While it’s essential to be proactive and informed, it’s equally crucial to seek expert advice. Engaging a lawyer who specializes in real estate or construction can provide invaluable insights. They can guide you through the contract, highlighting potential pitfalls and suggesting amendments to ensure your interests are protected.

Conclusion

A construction contract is more than just a piece of paper; it’s a binding agreement that outlines the expectations and responsibilities of both parties. By understanding and negotiating its terms, you can embark on your construction journey with confidence, knowing that your interests are safeguarded. Remember, a fair contract lays the foundation for a successful project and a lasting relationship with your contractor.

19/10/2023
4 alternative heating solutions for Belgian homes

With the soaring gas prices, many families are on the hunt for alternative heating solutions. It’s a timely quest, given the plethora of options available today. Historically, gas has been the predominant heating method in Belgium, primarily due to its affordability and abundance. However, the recent geopolitical tensions in Ukraine have caused gas prices to skyrocket, prompting many households to explore cost-saving alternatives.

Arthur Lambillotte

What are the Alternatives to Gas Heating?

Gas isn’t the only way to keep your home warm. There are several other fuels and systems available, and transitioning from a traditional boiler is easier than you might think. Let’s delve into four promising alternatives:

1. Biomass Boilers

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Functioning similarly to gas boilers, biomass boilers use different fuels, primarily wood or wood residues. You can choose from log boilers, pellet boilers, or even wood chip boilers. These are not only cost-effective but also produce entirely renewable energy. Their efficiency makes them a viable solution for homes. Options range from decentralized systems like pellet stoves, starting at 1,000 euros, to systems that can be integrated with central heating. For the latter, prices start at 5,000 euros for basic setups, with more advanced solutions costing significantly more.

2. Heat Pumps

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Replacing a traditional gas system with a heat pump is a sustainable choice. It’s one of the greenest options currently available. Depending on the model, heat pumps extract warmth from ambient air or the ground (geothermal heat pumps). While they offer excellent efficiency, the initial purchase and installation costs are generally higher than traditional boilers. Prices start at 2,500 euros for limited capacity air-to-air systems, from 7,500 euros for air-to-water pumps, and at least 10,000 euros for geothermal systems with horizontal capture networks. Interior and exterior finishing to integrate the system can also influence the final cost.

3. Wood or Pellet Stoves

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While a wood stove might not provide enough warmth for an entire house, it’s still a noteworthy alternative. These stoves operate using logs or pellets, which are low-polluting and fully renewable fuels. Some stoves come with a heat recovery and redistribution system, allowing multiple rooms to be heated. Prices vary widely based on technology, efficiency, and design.

4. Combined Solar Systems

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Harnessing the sun’s energy, this technology heats water using solar collectors. The heated water is stored in a buffer tank. While it’s perfect for water heating, it might not suffice for heating an entire house, necessitating a supplementary heat pump. Such combinations can be pricey. Additionally, its efficiency drops during winter when sunlight is scarce but heating needs are high. For a standalone solar water heater, prices start at 2,500 euros for a 150-liter tank.

Financial Support for Transitioning

Depending on the region in Belgium, significant financial aids are available to support households in their transition to alternative heating methods. It’s advisable to contact your network manager to gather more information and make an informed decision.

Conclusion: Embracing the Future of Heating

The shift from traditional gas heating to alternative methods is not just a response to rising costs but also a step towards a sustainable future. With the variety of options available, homeowners can find a solution that aligns with their budget, home size, and environmental values. As the world moves towards greener solutions, making the switch now can offer long-term benefits, both financially and ecologically.

19/10/2023
West vs. South: Rethinking the best orientation for solar panels

Solar panels have become a beacon of hope in our fight against climate change, promising a future powered by clean energy. But as technology and research advance, some long-held beliefs are being challenged. One such belief is the optimal orientation for solar panels. While the south has traditionally been the favored direction, new studies suggest that looking westward might be the way forward.

Bill Mead

The Traditional Belief: Why South?

From the inception of solar energy utilization, the southward orientation for solar panels was the unanimous choice. The rationale was straightforward: the south receives the most consistent sunlight throughout the day, translating to efficient electricity production. Moreover, the sun’s angle of incidence is more direct when facing south, allowing the panels to absorb solar rays more effectively.

The Westward Shift: A New Perspective

However, a paradigm shift is on the horizon. A recent study by the Pecan Street Research Institute has brought to light that west-facing solar panels might have an edge. Their findings indicate that panels oriented to the west generate, on average, 2% more electricity throughout the day compared to their south-facing counterparts. While 2% might seem minuscule, it can significantly impact the overall performance and efficiency of a solar energy system.

Peak Hours: The Game Changer

A compelling reason behind the westward tilt is the electricity production during peak hours in the late afternoon and early evening. It’s during these hours that electricity demand spikes, making it pricier. Thus, generating more electricity during these high-demand periods can lead to substantial savings on energy bills, making the westward orientation more economically appealing.

Practical Considerations for Solar Panel Orientation

While the westward shift is promising, it’s essential to understand that the best orientation for solar panels isn’t a one-size-fits-all solution. Factors like local shading can influence the optimal direction. Additionally, the tilt or inclination of the panels plays a pivotal role in maximizing electricity production, sometimes even more than the orientation itself.

Seeking Expertise: Given the nuances involved in determining the best setup for solar panels, consulting with a professional is paramount. They can assess the specific conditions of your location and provide guidance on the ideal orientation and tilt for your solar installation.

Conclusion

The world of solar energy is dynamic, with new research continually reshaping our understanding. While the south has been the traditional favorite, the west is emerging as a strong contender in the race for optimal solar panel orientation. As homeowners and businesses look to harness the sun’s power more efficiently, it’s clear that staying informed and adaptable is the key to a brighter, more sustainable future.

18/10/2023
Understanding liability in household accidents: A guide for Belgians

Imagine this scenario: While cleaning your windows, your housekeeper accidentally knocks over a flower pot, which lands on a passerby’s head. It’s a situation many insurers encounter, and the immediate question that arises is, “Who’s responsible?” The answer might surprise you: it’s you, the homeowner. When you hire someone, you assume responsibility for any damages they might inadvertently cause while performing their duties.

The Role of Family Liability Insurance

This is where the importance of having Family Liability Insurance, commonly known as RC familiale in Belgium, comes into play. This insurance is designed to cover damages caused by someone you’ve employed, especially when the injured party isn’t a member of your household or covered by your policy.

For instance, in the scenario mentioned earlier, your Family Liability Insurance would step in to compensate the injured passerby for the damages caused by the falling flower pot. It ensures that third parties affected by accidents related to your household activities receive the necessary compensation.

Exceptions to the Rule

While the RC familiale is comprehensive, there are specific situations where it doesn’t apply. If, for example, your housekeeper accidentally drops a marble bust on her foot and gets injured, your Family Liability Insurance won’t cover her medical expenses. Instead, another type of insurance comes into play: the Work Accident/Household Staff Insurance (Assurance Accidents du travail/Gens de maison).

Work Accident/Household Staff Insurance: This insurance is mandatory for anyone employing staff in Belgium, be it a gardener, babysitter, or housekeeper. It covers any injuries sustained by your employee while they’re working for you. This obligation holds even if the employment is occasional or, notably, even if it’s undeclared.

Special Consideration for Service Vouchers (Titres-Services)

There’s a unique provision in Belgium for services rendered under the Service Voucher system. If you’ve hired someone through this system, you don’t need to worry about additional insurance for work-related accidents. The coverage for any potential accidents or damages is already included in the agreement you’ve made with your intermediary. This built-in provision simplifies the process and offers peace of mind to homeowners using the Titres-Services system.

Conclusion

Navigating the intricacies of insurance and liability in the context of household accidents can be daunting. However, understanding the basics can save homeowners in Belgium a lot of potential stress and financial strain. By ensuring you have the right insurance in place, you not only protect yourself but also ensure the well-being of those you employ and those who might inadvertently be affected by household-related accidents. Always consult with your insurance provider to ensure you have the necessary coverage tailored to your specific needs. In the world of insurance, it’s always better to be safe than sorry.

18/10/2023
Mastering the art of hedge planting: Tips and legal guidelines

Planting a hedge can be a rewarding experience, both aesthetically and functionally. A well-maintained hedge can provide privacy, act as a windbreak, and enhance the beauty of your property. However, before you start digging, it’s essential to be aware of the rules and best practices surrounding hedge planting in Belgium.

Understanding the legal height of a hedge

The height of a hedge can be a contentious issue, especially if it obstructs a neighbor’s view or sunlight. Here are the national guidelines you should be aware of:

– For hedges located near a road intersection, the height cannot exceed one meter.
– If the hedge is planted less than 2 meters from your neighbor’s property, it should not surpass 2 meters in height.
– Hedges planted more than 2 meters away from the boundary are not restricted in height.

However, these are national rules, and local municipalities might have their own regulations. It’s always a good idea to check with your local council before planting.

Where can you plant a hedge?

If you and your neighbor mutually decide to plant a hedge between your properties, you can place it right on the boundary line. This hedge then becomes a joint property, and both parties share the responsibility of its maintenance. While the legal height should be adhered to, beyond that, each neighbor has the freedom to manage their side of the hedge. It’s essential to have clear communication and agreement to maintain harmony.

On the other hand, if you wish to plant a hedge independently, there are additional rules to consider. For instance, you cannot plant it less than 50 cm from the property boundary.

Planting a hedge against a fence or wall

Planting a hedge adjacent to a fence or wall is permissible. However, the hedge’s height should not exceed that of the fence. It’s crucial to discuss this with your neighbors and get their consent. Documenting the agreement can be beneficial in case of future disputes. Remember, new neighbors might have different views, so it’s always good to revisit and reaffirm agreements.

Steps to plant a hedge

A natural hedge is typically planted using bare-root plants. It’s advisable to use plants that are approximately 80 cm tall for best results.

The ideal time to plant a hedge is from early November to late March. This period is when plants are dormant, ensuring better growth and survival rates. Here are some steps to guide you:

1. Preparation: Once you’ve purchased your plants, plant them as soon as possible to prevent the roots from drying out or freezing.
2. Digging: Create a trench about 40 cm wide and deep. Loosen the soil well to facilitate root growth.
3. Soil enrichment: Adding compost and bone meal can significantly boost the hedge’s growth and health.
4. Planting: Typically, planting four plants per meter will yield a dense and lush hedge.
5. Watering: After planting, ensure the hedge receives adequate water, especially if rainfall is scarce.

Conclusion

Planting a hedge is more than just a gardening activity; it’s an investment in the beauty and functionality of your property. By following the tips and adhering to the legal guidelines, you can ensure that your hedge not only thrives but also coexists harmoniously with neighbors and the environment.

17/10/2023