Posts Tagged ‘buy home’
There are many factors we take into account when choosing a home, but one of the primary, which incidentally do not usually consider is the possibility that in future there annoying noises that we do not allow adequate rest in our home. In this case, both the environment or neighborhood where the building is located, as the situation of the very elements of housing, may contain elements of risk we have to study acoustic calmly before launching into a transaction as binding as is the purchase of housing.
Noise
The first thing that always comes to mind when we talk about annoying noises are classic bars that stay open until the wee hours of the morning prevented our sleep, or the bars or restaurants that have terraces on the outside and remain under our windows. However, there are also businesses that we should run away and stop having them as neighbors. This applies to businesses that have old sliding doors, the bread bakeries often working in the early hours of the day, or businesses that require installation of hot / cold as butchers or fishmongers. And most recently, those premises are used as new Apostolic Churches and religions so given to ceremonies with singing. Of course, we must also avoid living in the vicinity of car parks by the continual entry and exit of vehicles, and therefore has to be borne noise.
But if this is the environment of the building, we must also look at the situation of our house and the items which may affect the silence inside the house.
Thus, it is often convenient to buy homes in the first floors to be more noisy than those of higher plants by the mere fact of being located, in most cases, commercial premises. The last plant, in turn, may encounter the problem of noise of the machinery of the building itself, such as the room elevators, so we must rely on the planes where they are elements. So is the water pressure groups that often raise the level of noise in the vicinity of its facilities, as well as the downspout pipe. Can you imagine the hassle that would mean that one of the downspouts go through the wall of one of the bedrooms? Can you imagine every time the upstairs neighbor pull the tank?
Another element to consider is the situation of the bedrooms, as this will be our special place of rest. Generally, it is best that the bedrooms do not give into the street, especially if it has a high traffic dde. In the case of housing estates it is best to look to the gardens, but on the other hand, we would caution people not to fall near the tennis court or pool, because children generally tend to raise much noise.
As you will see many details that must be taken into account when, not only to choose the neighborhood, but also housing within the building (ground and location), but given the price we pay, we must be sure that allow us to choose our rest. And if what it is to buy a resale property, no better proof than a few minutes shut yourselves up in one of the bedrooms and listen carefully to the different sounds. what you hear, multiplication day because if you are upset, imagine how can be at night.
Housing accounts are one of the most profitable banking products that we buy when we buy the security within a relatively short housing. Profitability not only due to its interest rate, but mainly to the possibility of tax deduction that we can apply the total amount contributed to it throughout the year.
Account Housing
The deduction reaches 15% of money put into the fiscal year to the housing account, in case they are diverted to buy the first home and with an annual limit of 9,015 euros. That is, the maximum amount that can be deducted each year from EUR 1352.28. But these accounts must meet housing two basic requirements to be considered as such:
- What are separate accounts and not linked to any other type of bank taxation.
- Not counted if part or the total amount contributed is dedicated to a different purpose than the acquisition of the main dwelling.
These accounts must appear explicitly in the statement of Finance, and is valid only one account per taxpayer. Also lose the right to deduct the following cases:
- In the event that the sums intended for a purpose other than that provided for housing accounts
- For 4 years have elapsed from the signing of the housing account. The total quantity must be entered before the deadline for the acquisition or rehabilitation of residence. Amounts not provided for in this period are not entitled to deduction, unless the housing is under construction.
- In the event that the home purchased is not used as main residence
- Failure to fully identify the account, indicating the number and the bank
How many times have we considered what happens if you stop paying the Community! Do the same rights as are acquainted? What process can continue against the defaulters? Most communities have some neighboring homeowners defaulting. The existence of these can cause serious damage throughout the Community and its left action could lead to paralyze or works that you can not close deals. In the Community’s interest that somehow the non-payment leads to a loss of the right to vote in the Neighborhood.
The payment procedure is a legal procedure which seeks to require the payment of dues owed. To this end, the residents themselves through a board must approve the settlement of money due and detail the defaults. The next step is the assessment notice in the home that once gave the defaulting owner. By law just a notice on the bulletin board of the residents for a period of three days. After those three days, the President of the Community can begin the process for payment, for what must go to District Court or lodge a complaint.
It is then followed a period of arguments for the defendant, and finally, the Judge decide. This process allows the delinquent payment has no vote at meetings of the Community, although it can have a voice.
It is also important that the buyer of any floor, before signing any papers, find out if the owner is selling debts to date with the Commonwealth of housing for sale, and that these debts should not be cleared before they are affected housing, so the new owner would become the debtor of previous defaults.
If you’re about to buy a second hand house, be careful and not pick at the bait of the seller. Here are some tips for getting the prices right.
Jump on now and do not hesitate
This is like the driving theory test, as you start to doubt you take it wrong. Do not think it’s best to wait until tomorrow to be cheaper, because that no one can know. And if you’ve bought a house, nor martirices you with that assumption that they had waited a couple of months.
Bargains, having Hayley
As the witches, the bargains are, but of course there are a number of factors such as luck and being in the right place at the right time. In any case the economic crisis has caused many people want to sell, almost get rid of some floor either because they can not afford it or because they have several and have no choice but to shed weight. They want to sell, many at any price because it is urgent, and you want to buy, so it piques the first hook.
The old craft of bargaining
Do not be ashamed because you think that the seller will have to put the price when looking for the greatest benefit? Do not grab at the official price that gives you, because then you will be the buyer that everyone wants to be ever docile and saying yes to the first thing offered. They want to sell NOW, so take advantage of this situation and offers at least 20% less than the initial amount, because you do not lose anything by trying and have much to gain. Do not let the deal in your hands.
Move a lot
If you already have designed the area in which you want to live, move in it and, even if you do not attract story, go to visit them and ask the price. So you have a solid reference the average price on the street or in that area and know whether the price they ask for the floor that you like is very inflated or not.
Price per square meter
Some websites of real estate ads now include this service for calculating the square meter in the area. What they do is compare and take the average price of all apartments that are offered on its website and applications from the same area or district. Knowing how much is more or less, the price per square meter, you will know if the price floor that you meet or not to reality.
Official agencies
Another way of getting the prices right is to go to any housing offices that depend on your municipality or your community autonomously since one of the characteristics of these official agencies is that they prevent the seller will pass “three people” with the selling price. And is that a requirement is to adjust the price as possible to reality. Furthermore, the community or town hall act as intermediaries in the deal, a way to avoid surprises later
Beware of mortgage
Do not be misled by the good momentum, the benchmark for most mortgage loans that are granted. For though the current situation is good, will not take long to change. So if the monthly fee to pay at present seems very fair and you get to it with difficulty, imagine how you will spend the time when interest rates go up again. So be careful when calculating the monthly mortgage, get in the worst case and Place it in an affordable amount.
As important as knowing how to negotiate a mortgage is to know all expenses that will affect the formulation of a purchase and sale, and although for practical purposes in most cases be the same bank that you will spend a minute of the manager in charge , it is worth that ye ye that ye may know in advance which are the same and, of course, consider whether you are interested in who you hire to do the necessary steps.
Expenditure
Valuation fees
Assessment is made of housing mortgages, as required by law to mark this assessment will be taken by the Bank as a reference when grant the amount requested. Generally, the amount granted to us will be between 80 and 100% of that valuation.
Insurance
It is normal to have to make a disability insurance or death, so if you happen one of these two cases would be the insurance that would take over the outstanding amount of debit. Also usually done, but not required, with home insurance to cover any eventuality that may happen to the mortgaged property.
Cost
These are the expenses incurred in connection with the handling of the sale of housing, its subrogation, mortgage cancellation, etc. Processing includes the Land Registry, the cost of completing the Transfer Tax in case of sale or of Stamp Duty in the case of mortgages.
Taxes
Apart from taking into account the VAT, or in the Canary Islands IGIC, we must also take into account the ITP for purchases of existing homes and new housing IAJD.
Land Registry
Is the public body responsible for keeping a record of all real estate in the country, whether rural or urban. He will have to go when looking for a home second-hand for a simple note to find out if it is free of charge or not.
Notary
Notary is legally certifies that the public document which notes the operation performed. It formalizes and subsequently a deed must be recorded in the Land Registry mentioned above.