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I would not treat the estimate as automatically worth a yen-for-yen credit. The seller may argue that some items are maintenance, while completed comparables could already reflect the villa’s condition. An appraisal gap could further complicate financing. More urgently, what does your...

What does “country home” include here? If there is substantial land, an outbuilding, private access or equipment serving the property, the maintenance picture may be different from that of a typical 1-bed home. I would also clarify exactly what the service charges cover, because paying a charge...