5 tips for home buyers

Buy an apartment - a major step in the life of every human being. It is therefore important to carefully and thoroughly address this issue. Purchase of housing is always fraught with the weight of nuances and subtleties of law, about which they know not all buyers. The experts of the company Penny Lane Realty-offer five tips on how to avoid mistakes when buying apartments in the secondary market. 1. Check the documents confirming the ownership of the apartment, as well as contract of purchase / sale. First, check the documents on which there was ownership of the seller. Such agreements may be, for example, sale, gift, certificate of inheritance, the court decision, which came into force. Secondly, you need to ask the seller to give you an extended extract from the Unified State Register of Rights to Real Estate (EGRP). Of this expanded statement will be visible "history" of the apartment, all transactions are committed to it. Third, check the identity of the seller, the authenticity of his passport, make sure that he is not registered in the mental and drug abuse clinic. Naturally, the maximum ought to be careful, if the sales contract on behalf of the owner signs a representative by proxy. You should make sure that the power of attorney is not faked and not withdrawn. The agreement itself must include details and details of the seller and the buyer (name, full passport details). It is advisable to make sure your passport is actually contracting, it can be done on the official website of the migration service (www.fms.gov). Check if the address of the apartment, her performance on the basis of BTI. Pay attention to price, payment schedule, delivery date apartment. Secure in the contract the seller's duty to give you an apartment free of any encumbrances and claims of third parties. It is highly advisable when drawing up the agreement need a lawyer specializing in real estate, or a notary public. 2. Make an appointment with the owner of the apartment. Pay attention to the situation where the seller does not own the apartment, and acts by proxy. "Most fraud is happening in real estate by providing forged documents from third parties, - says Alexander Zima, director of sales of real estate company Penny Lane Realty. - To protect yourself, assign a personal meeting with the owner. In order not to lose time, it is best to do it at the first show. So you can personally verify its intentions to sell the apartment. " Moreover, directly from the owner can find out important facts relating to housing: who is registered in the apartment, not a right to continue living in the apartment for these people after the sale is not violated if the rights of minors. 3. Pay attention to the condition of the apartment and the surrounding landscape. In the morning look at the view from the windows. In the evening you may not notice that a number is, for example, incinerator or other hazardous industry. In the daylight hours to see how the sun is located. In the future it will prove useful in determining the destination of each of the rooms, as well as the arrangement of furniture. Look, if serviceable wiring, plumbing, outlet, how to open all windows and doors. Even if you plan to buy an apartment in any state, and only then do they repair. "After purchasing you may find that electricity is closed, the tube - are rotting, and the floor - fail, - Alexander Zima. - Therefore, the repair can result in a much larger amount than the one you want to spend. " 4. Heed to the financial side. There are many ways to transfer money: cash in hand to hand over cash deposit box, bank transfer, non-cash through credit. However, not all of them are useful for real estate transactions. Conclusion and registration transactions requires time, money and transfer must be tough "in sync" with it. If the seller receives funds before it can withdraw from a transaction, the buyer will have to claim refund of the paid funds to the seller. In addition, he loses his apartment and a suitable time. One of the most reliable options for transferring cash - a cell in a bank depository. The cell is rented for a time exceeding the period of state. registration of the sale. In Moscow, it is typically 12 days. The lease of the cell indicate the conditions for access to it. The first day of access to the cell are seller and buyer - in order to put money there. Then access to the customer is blocked and resumed only in the last days of the total lease period of the cell (the parties free to determine the number of days for the buyer - usually 3-5 days) when the buyer can withdraw their money if the deal for some reason not take place. The seller can also get into the cell only after the presentation of a registered contract of purchase - sales - apartments. Thus, the buyer may be safe, save time and not lose money if the deal falls through suddenly. 5. Get a tax deduction. Do not forget that once you sign the deal, you can recover some money, so-called property deduction. Property deduction ceiling - 2 million rubles. This means that if you bought a property worth less than 2 million rubles., The state will refund the 13% of the purchase price. If the property is worth more than 2 million rubles., The state will give you the same 13%, but 2 million rubles, which amounts to 260 thousand rubles. Get this benefit in two ways. First - you can get money directly from the state by transfer into your checking account. To do this, submit documents to the tax office. Must apply at the end of the fiscal period, that is, if you bought an apartment in 2010, it is possible to apply from 1 January to 31 March 2011. If the documents are in order, the compensation is quite fast: usually, the amount credited to your account within one month, maximum three. The second way - you can use this benefit in order to avoid paying taxes on the job in the current period. In this case, no need to wait for the expiration of the tax period, and you can apply to the tax after the purchase. In order that the employer has provided you with this benefit, a person must go to the tax office to file the same documents and to be notified to the employer. This notice confirms the tax office that the person is entitled to a tax credit. Since then, the employer will not deduct from employee taxes on his salary and other benefits, such as premium. "Not all customers are aware of this possibility and thus lose a large sum, which can save you" - concludes Alexander Zima.