| |
Get your home
The money achieved by institutions lend interest by home mortgages but higher than that paid the owner of the money rate. This means that banks buy money at a price and leave or pay with a higher value, so they pocket the difference.
It is important before signing the mortgage, be clear about the following:
- The information I have to make a safe purchase.
- The taxes on the sale of homes.
- Steps after signing the deed of sale.
- How to finance the sale without having the money needed cash.
- What is the minimum amount that must be saved before the sale.
- Who must be present to sign the contract.
- Check the status of the property you are buying is.
- Perform direct verification and physically assisted by a professional if possible, architect or surveyor.
However, there may be hidden problems, defects appear in the medium to long term in which case the seller must take responsibility (also affects the contractor) during the 10 years following construction if these damages provocasen ruin housing and construction defects were.
We also check the status of housing. Having the title certificate and loads the corresponding Property Registry . Here you must indicate whether the property is free of liens and limitations as well as the seller is really the owner of the house.
The certificate must be updated at the time of signing the contract , so we can apply for certification of Registered "continued" with which for a period of thirty calendar days forward the certificate of any changes in the housing situation ( new burdens , changes of ownership ... ) . So at the time of the sale we will have updated information. The notary to perform management also request information by fax to the registrar on the description , ownership and housing charges . This surveillance is to prevent fraud and allow double sales.
It should make a documentary check of the apartment with the receipt of the last payment of property tax " contribution " . Also the statement of expenditure of the community; certify that the seller is a day of community payments. If you are not up to date , you should catch up before sale or discount the cost of housing prices .
|
|
