Mars
Guderian Writer Wednesday, December 26, 2008
Guderian Writer Wednesday, December 26, 2008
Before putting your house looking for Buying a Housing is a major economic effort, making it probably the biggest investment of our lives. It is therefore advisable not to rush and choose the house that best suits our needs and possibilities.
1 .- What are my needs? We refer to aspects such as location, quality of facilities, guidance, common services, noise, pollution and so many more that, although they may seem obvious, should not be chosen lightly as it may be that when we want to amend it's too late. For example, who has not heard expressions like "this is not what we wanted ... to go to buy bread you have to take the car ... no one sleeps with the window open ..." The second important point is whether we have chosen is within our means. We may have given con la casa de nuestros sueños, pero cuando nos pongamos a echar números nos demos cuenta que no podemos pagarlo. Por tanto, antes de lanzarnos a una búsqueda desenfrenada es fundamental realizar unos cuántos cálculos que nos pongan "los pies en el suelo", es decir, nos ayuden a acotar la búsqueda en base a nuestra situación financiera. 2.- ¿Que casa puedo permitirme? ¿Cuanto puedo gastarme? es una pregunta sencilla, con una respueta no tanto. Lo más peobable es que necesitemos pedir dinero al banco. Aunque hoy en día hay entidades financieras que nos pueden prestar hasta el 100% del valor de tasacion de la vivienda, lo habitual es que nos concedan un préstamo por el 80% del valor de tasación, así pues, en principio debemos contar con el 20% restante. Hay que tener en cuenta que el banco nos dará el prestamo tomando como referencia el valor de tasación y no el precio real. El banco determinará la cantidad que nos presta en función a dos variables principalmente:
A. El valor de tasación de la vivienda: No tiene por que coincidir con el precio que vamos a pagar por la vivienda. Para hallarlo, el banco enviará un tasador a visitar la casa y será éste el que lo calcule en base a unos determinados parámetros.
B. Nuestra capacidad de endeudamiento: Esto es un claculo que hacen las entidades financieras para saber cuanto pueden prestanos y en que plazo se lo podremos return. Approximately will be around 35 / 40% of our net revenues (unless we have other loans, car, etc.)..
It's time to start the search for housing SearchMember is hard work, so do not worry if you watch the time and not see the day you find the home you have in your mind. Even come a moment think it is impossible to find the home you want with the financial resources available. Do not worry, we've missed them all, but in the end you will definitely find the soon to be your home.
Internet today can initiate a first search without leaving your armchair su casa. A un solo click tiene a su disposición miles de pisos y casas incluso con fotos. Así que manos a la obra.
Periódicos y Revistas: Seguro que en su provincia existe al menos un periodico de anuncios clasificados. Normalmente estos periódicos traen una seccion, generalmente la mas voluminosa, dedicada a inmobiliaria con anuncios de compra-venta todo tipo de inmuebles: Pisos, casas, chalets, locales, etc.
Inmobiliarias: No dude en acudir a un profesional, ellos son quienes mejor le pueden asesorar a la hora de comprar su vivienda y en todos los trámites posteriores. Tenga en cuenta que es su trabajo diario y son los que mejor conocen las condiciones del mercado.
Visit your neighborhood: It is worth visiting and take a walk through or to neighborhoods where they want to live, many homes for sale put posters on the front announcing the sale and indicating a telephone number for contact.
Before Signing ContratoUna chosen instead found the house we want to buy and before giving any signal, we must take all necessary precautions in order to successfully purchase. Take into account the following points.
1 .- What we look?
Condition and age of the building, it would be useful to look at the condition of the structure (if it is reinforced rehabilitated, or if you need maintenance and periodic inspections). The appearance of cracks and moisture warn of defects in the structure or building foundation. See whether we need major reforms Facilities: Thermal insulation, water, gas (if butane, natural gas or town gas), plumbing, electrical and heating (if the system is electric, radiators, heat registers, if central individual or ...).
us know if the owners' plans to undertake any work of improvement or major repair because if we become new owners will have to meet these expenses. Two things can happen, rather paid the full amount of the work, or that monthly payment is made through "spillovers."
2 .- Checks before signing the contract or delivery Signal
Registration Verification or Certification: The consultation of the Land Registry to check through a Simple Note the existence of a condition (if the home seller is actually the owner, if there are charges, leases, etc.) on the housing. It is advisable to ensure you make your purchase free of any charges or, if possible, have perfect knowledge of their scope.
La Comprobación Urbanística: Es recomendable comprobar en el Ayuntamiento al que pertenece la vivienda si ésta se encuentra afectada de modo desfavorable por algún Plan Urbanístico proyectado, así como si cumple los Planes Urbanísticos en vigor. Básicamente se trata de comprobar que no compramos una parcela donde no se puede construir o una vivienda a punto de ser expropiada.
La escritura es el auténtico "Carnet de identidad" de una vivienda ya que es el título que asegura su propiedad. Debe estar siempre expedida por un Notario e inscrita en el Registro de la Propiedad y el vendedor debe presentar la escritura correspondiente de la vivienda que va a vender. Al efectuar la compra, the notary will issue a new deed of sale between buyer and seller which shall contain all terms and conditions have been agreed (price, payment, etc.).
urban contribution: You should check that the last bill the urban contribution is paid, appearing on behalf of the owner of the house.
momentoDesde came the great time we decided to buy the house at this point you may have spent several months is normal, and all we have made a big effort. However, we have a final step, which we must be very careful that the house is ours. 1 .- The formalization Shopping: After making the necessary checks and decided to purchase the property in question, it is common that those who choose to give housing a quantity of money to the seller as a deposit or signal. The signal or deposit is a deposit the remainder of the final price of the house and confirms the commitment of buying and selling. The contract you sign is free of editorial and substantive, but it is guided by a document type adapted to individual circumstances, especially if the transaction is between private parties. If you are selling or buying the flat through an estate agent, it should provide the standard model with the counting. There are two types of payment agreement, confirmatory and penitential. The confirmatory deposit, consisting in the delivery of an amount of money on account of the final price of housing by both buyer and seller confirm an intention to buy and other his intent to sell. From the time we signed the contract and delivery confirmatory deposit of money both parties are obliged to observe it, that is, the seller to sell the goods at the agreed price and the buyer to purchase according to the agreed price. The penitential deposit, are the ones that we normally mean when we speak of an earnest money contract without being more specific. Consist in the delivery of an amount of money (discounted from the final price) for a purchase option. Governed by Article 1454 of the Code Civil en este caso (a diferencia del anterior) las partes (comprador y/o vendedor) pueden retractarse, en cuyo caso, el comprador perdería la cantidad entregada si es él quien renuncia y el vendedor se vería obligado a devolver el doble del importe percibido si la operación no se lleva a cabo por culpa suya.
Suma Staff 
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