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Exactly, in France when you're asking for a loan to buy a house, banks include the repair/whatever costs into the loan on top of the selling price.

If the buyer hides problems from me, I will still have to deal with it, and it won't be included in my loan, so it will be out of my pocket.

An advice from my father: Visit houses in winter and not in summer, you can't check the isolation in summer.

In my experience, honesty in any business works better than lies.