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That distinction is important. I would also map the accepted-offer process in writing: outstanding documents, person responsible, dependency and target date. It does not prevent delays, but it exposes a stalled handoff early. Moving plans should stay flexible until the lender and completion...

The final document week deserves its own reserve—not just money, but time. Lender timing, signatures and moving arrangements can all depend on one another. When you say the document process ran long, was there one unclear handoff that caused it, or was it simply several small delays?

For annual outgoings, ask for three distinct figures: property-related tax, building/common charges and anything billed through utilities or the municipality. Also ask how each is apportioned in the year of completion and whether the developer remains responsible for unsold units’ share of...