Rationalize the biggest purchase of a person's life. This is the maxim of a personal shopper real estate, a fairly unknown professional profile that has a single objective: to defend the interests of the buyer. One of them, Jordi Clotet, co-founder of Nexitum and author of The 7 doors to buying your home and getting it right, written after having visited more than 15,000 apartments throughout his career and having participated in 6,000 sales. Here's some of the advice he gives.

A great success. The government allows people up to 35 years old to use 20% of the down payment on the purchase of their primary residence in a loan that they won't have to repay until the mortgage is paid off, at a 0% interest rate. In return, the home will become officially protected (VPO) and will have a price cap forever.

This week we learned that the Euribor has dropped again and is now very close to 2%. For those thinking about getting a mortgage, this is no small detail. It is, in fact, one of those moments that demand perspective. Therefore, my recommendation, which is not infallible—because no one has a crystal ball—responds to a way of understanding personal finances with common sense and some experience.

The data is grim. According to the financial association Asufin, only 14% of mortgages granted are for a primary residence, and 56% are used as an investment. Furthermore, nearly half of all purchases are made without any type of loan. As mortgage payers, what can we expect in the coming months?