Clipping of news on Brazilian Culture, Law and Citizenship
10/04/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Buyer should be aware of details ranging from the choice of the property until the time of signing the contract
SAO PAULO - To prevent the realization of the dream of home ownership turn a nightmare, it is important to pay attention to some details, ranging from the choice of the property until the time of signing the contract.
Infrastructure surrounding the property, documentation and primarily, the financial situation of the family are crucial in the decision and implementation of home ownership. So, see 10 tips that can help avoid problems during the acquisition:
One. Finance: the first step for anyone who wants to buy a property's finances look better. Since this is a long-term financing, the buyer must evaluate how much you want and can spend;
2nd. Payment: Another important step is to assess whether the property will be paid in cash or whether to make a loan. If you opt for financing, the purchaser should research the available options, such as installments with the bank or directly with the builder. Moreover, it is ideal to consider whether the FGTS (Guarantee Fund for Time of Service) will be used to acquire the property. All these options should take into consideration the expenses that the family now has and may have in the future;
3rd. Costs: who opts for a property that is under construction should also take into consideration that the amounts paid during the construction period may be different parcels of funding. Moreover, the outstanding balance is adjusted monthly. Upon delivery of the keys, if the person does not repay the amount due and opt for financing, rates will vary by institution;
4th. Reserve: the buyer must also have a financial reserve to pay for the costs involving the documentation of the property. Moreover, you also need to pay the ITBI (Tax Transfer of Real Property) and rates of cartographic records.
5th. Region: the buyer should make sure the place is valued, whether it is stocked with transmission lines, if there is traffic, which is the footage of space and, in the case of purchase of apartment, condo and the value of the position that hits the fan which may be why its devaluation, besides knowing the infrastructure offered in the neighborhood: points of commerce, hospitals, school, supermarket, among others.
6th. Type: with the region chosen, the buyer must decide whether to live in a property used or new plant. Furthermore, it is necessary to decide whether to house or apartment, and in the latter case in which floor is preferably. In the apartments is also necessary to consider whether there is parking space, balcony, play area, among others;
7th. Used: when the property is used, the consumer can ask for help from a realtor to find the property. It is very important to the buyer to make sure that the broker has entered in the Regional Council. "Before closing the contract is essential to formalize the proposal with everything that was promised and spoken by the broker, such as price, delivery time, payment adjustments and so on." Advises the president Amspa (Association of Borrowers of São Paulo and adjacencies ), Marco Aurélio Luz.
8th. Commission: Luz warns that the buyer should not accept pay any separate value of the contract. "In most cases, the buyer ends up paying the broker's commission, which must be paid by the developer who hired the service," he says. Already used in buying real estate, the commission is paid by the seller of the property.
9th. Detective: when it comes to buying a property in the plant, the purchaser should research the history of the construction, if possible visit to a work already delivered by it. It is also important to ask the broker for the registration of the merger before signing the contract. Furthermore, the buyer must accompany each step of the work and charge the developer when needed.
10. Eye: when buying a used property, the buyer should be wary of those who accept bids well below the asking price, it may be a sign that something is wrong with the property. Finally, the buyer should make sure of what is or is not included in the value of the property and submit the documents of the property owner and a lawyer.
Source: Ig News
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This article was translated by an automatic translation system, and was therefore not reviewed by people.