What to know before buying a prefabricated house: models, price, type of mortgage, licences, VAT…

Prefabricated houses and industrialized construction have positioned themselves as a quick and sometimes cheaper alternative to having a single-family home in an area far from the big cities. However, it is a booming sector where you can find many types of houses and prices.

Types of prefabricated houses

The prefabricated house sector is very heterogeneous and you can find options of all types, prices and utilities. However, it proposes drawing two types of classifications: according to the form of installation and according to the construction material.

1. Prefabricated houses according to type of installation

– Mobile prefabricated houses: they do not need to be founded on the ground and can be moved and installed in different places. They usually have a size of 30 square meters, they are completely built in the factory. To get an idea, it is typical of campsites, but today it is a sector that has evolved a lot.

– Fixed prefabricated houses: they need foundations to be permanently anchored to the ground. Most of the construction is also done in the factory, but assembly is in the field and can take several days.

2. Prefabricated houses according to the type of materials:

– Prefabricated concrete houses: they are built from independent concrete modules, which are assembled on the ground. They support a wide variety of designs and provide insulation and durability.

– Prefabricated wooden houses: this material is one of the most iconic in the sector, however, wood is positioning itself as a material that offers good natural insulation and, above all, is sustainable with the environment. Thus, it is a highly valued option for buyers concerned about caring for the environment.

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– Prefabricated steel houses: Housage explains that these constructions are characterized by being very resistant, having great insulation and being able to be easily transported. In addition, it allows housing models to be designed with great aesthetic possibilities and customization with the client.

How much does a prefabricated house cost?

Blanca del Escobal, head of marketing and communication for the company Grupo Eurocasa, explained to this medium that her company offers a very wide range of prices since they manufacture with different construction finishes in order to adapt to the needs of each client. Thus, they make from small mobile homes, which can be around 25,000 euros fully finished, to modular concrete houses intended to be the first home that can exceed 190,000 euros. However, Spanish companies such as Atlántida Homes or Inhaus have properties worth more than 300,000 euros.

How long does it take to build a prefab house?

The construction time of a prefabricated house varies according to the size and type. Thus, the mobile prefabricated houses will be the ones that need less construction time and, in addition, in one day they are installed on the desired land. Regarding the largest prefabricated concrete and steel houses, Fernando Agudo, architect general director of the Spanish company Atlántida Homes, explained to this medium that the construction time of an industrialized prefabricated house can be reduced by around 70%. production time in relation to traditional construction.

What building license and VAT does a prefabricated house have

Blanca Escobal explained that it is necessary to differentiate very well between what mobile homes are, which will mainly be installed in campsites, do not need a license and have a VAT of 21%; and modular houses made of concrete or steel, which are anchored to the ground, need a municipal license and construction project, and the VAT that would be applied would be 10%.

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What mortgage or loan to request to acquire a prefabricated house

The type of credit necessary to acquire a prefabricated house varies depending on the price. Thus, mobile prefabricated houses or small concrete houses, which have prices between 30,000 and 50,000 euros, can be solved with savings or personal loans.

However, the largest prefabricated options, such as industrialized construction modular homes, require another type of credit, the same one that is needed to build a single-family home from scratch and that More specifically, the prefabricated houses that will be able to opt for this Mortgage will be those that are consistently anchored to the ground and, like a traditional house, need an execution project endorsed by the College of Architects and have a building license.

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