If you have decided to move house or are thinking about purchasing another must have needed to rush everything goes well. It is therefore advisable to use the services and advice of a real estate where they work honestly and seriously, and are able to understand that is a very important decision and substantial impact for your life. A real estate professional will analyze your needs and show you how homes really fit what you are looking for serving your location criteria, rooms, Features, etc.… and adjusted to our ()budget. A professional realtor will not confuse teaching you dozens of homes.
The main steps leading up to our visit to a real estate:
1. Be clear about our housing needs realistically, in location, Rooms, garaje of no, lift, etc.…
2. It is important to our “forces” economic. Much money we have and how we could get mortgage. This must be taken into account, that banks finance a maximum of 80% the real value of purchase, namely, have previously need to purchase the 20% the value of the home, plus an amount around 12% for expenditure.
3. Visit the homes proposed by the realtor. It is necessary to examine in detail the housing, assess the qualities, listen to explanations and clarifications professional, lose a minute “listen” Property, see if you can feel good living in it.
4. Analyze the homes offered. Worth carefully assess households visited without the presence of professional realtor. Always come to mind doubts and further questions about it. Once new doubts clarified, take a firm decision Cart.
5. The price. The price provided by the realtor is the one who provided the homeowner, price is normally set by owner listening to the advice of the realtor. While it is true that taking the current economic situation it is almost always possible a small trading.
6. Loads of housing. There is only one way to know if the home is providing guarantee for any debt or loan, is a simple note requesting registration of the property. The real estate agency will handle request and show that it is free. It is also important to verify that there are no tenants.
7. Contract deposits the signal. At this point the realtor write an earnest money contract between “seller and buyer” in order to formalize the sale. It is a document in which a signal towards the price of housing delivery mode “penitential arras” means that if the elapsed term of the contract the buyer has not made your purchase in notarial repent or lose the signal delivered. So like if the seller desist from selling lose twice the signal delivered by the buyer.
8. Finalize the details of the mortgage with the bank, Home appraisal for official valuer, prepare the amounts as agreed specification with the seller and notarial date set. The realtor will arrange signature and warn all the agents: seller, buyer, notary and banks.
9. Notary signing. Posted on “only” is the deed of sale. It's notarized signature is what gives us the title. Past 7 notary days will give us about writing.
10. Taxes and Registration. After removing the notarial deed must liquidate Transfer taxes for owned homes (if new VAT be paid along with the price at the notary). Subsequently lead to the Registry of the Property to finalize the formalities of purchase. If we have to purchase mortgage needed, will be an agency of the bank to process the script for our account.