Buying an apartment: step by step instructions. How to buy and arrange an apartment in Moscow?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

On the Internet, there are many advertisements of agencies offering their assistance in buying real estate. At the same time, their services, regardless of a small percentage, with current housing prices, result in a large amount. How can you make this deal on your own? How to start buying an apartment? Step-by-step instructions will help you understand all aspects of this issue.

Looking for an apartment

Finding a place to live seems like a simple task. In fact, it is complicated by many criteria: binding to a specific area, the number of rooms, the total area, a certain amount of money, etc.

It should be noted that the cost of an apartment does not depend on the number of rooms in it, but is calculated relative to the price per square meter. A one-room apartment can have an area of 95 sq. m, and a two-room apartment - 62 sq. m. That is, in this case, the cost of a two-room apartment will be less than a one-room apartment. What else to pay attention to? How is the purchase of an apartment (step by step instructions)? In Moscow, as in other cities, the pricereal estate depends on many aspects. Among them are the attractiveness of the area, the type of house, its distance from the center.

How to approach buying an apartment: step by step instructions

After you have found a suitable option for you, you will need to contact the seller and clarify some questions. Namely: the relevance of the transaction and the cost. If there are no changes, please make an appointment to inspect the apartment.

At the appointed time, you should call the seller again, ask if the plans have changed, and clarify the time. If the sale is through a real estate agency, most likely the re altor in charge of the deal will offer to meet before the demonstration of the apartment in order to make sure your intentions are firm, and also in order to protect the seller from dubious persons. He may also ask you to sign an inspection sheet. This is done in order to exclude the sale and purchase transaction bypassing the agency.

How does buying an apartment work? The step-by-step instruction recommends paying special attention to "getting to know" the likely new home. It is worth paying close attention to the inspection process itself, so as not to bite your elbows in the future. First of all, pay attention to the entrance. It is for him that one should form an opinion about the neighbors and about the work of housing and communal services in the house. When buying an apartment on the first floor, carefully check the baseboards and wall joints, on the last floor - the walls for smudges. In the latter case, a large number of carpets and new wallpaper should make youdoubts and serve as a pretext for a more thorough examination. If the apartment is corner, pay attention to the quality of insulation.

Besides, check the plumbing and communications. Inspect the pipes, their condition, check the noise level, open the taps. Sometimes the smell of sewerage comes from the drain holes, and it appears periodically and at the time of the inspection it may be felt weakly. Therefore, do not be too lazy to chat with your neighbors and find out about possible hidden "surprises".

Don't settle right away! Bargain

And how is the purchase of an apartment going on? The step-by-step instruction recommends: if everything tripled for you, then you need to discuss the price. Arguing with the identified flaws, you can convince the seller to reduce the cost of the apartment. Thus, you can lower the price by 10-15%. But be careful. A discount of more than 15% should alert you. Usually the reason for such generosity is hidden flaws that can only be discovered during operation, or legal aspects that will give you a headache (at best).

Prepayment

Continuing our research on how to buy an apartment. The step-by-step instructions still help to understand this issue. With a general agreement on a transaction, a preliminary agreement must be concluded as a guarantee of its completion. It can be either a deposit agreement or an advance agreement. In the first case, he will restrain the seller in the further search for customers, since in the event of a change in the terms of the transaction, as well as in case of refusal to sell, the seller will be obliged topay the amount of the deposit in 200% size. A violation of the agreements by the buyer will lead to the loss of the amount paid. The receipt must clearly indicate that the money is being transferred as a deposit.

With the second type of contract, when the transaction is terminated (both on the part of the seller and the buyer), the money is returned in any case. The advance contract must indicate the amount of the amount paid, the total cost of the apartment and the term for entering the transaction. It is imperative to make a note that if any facts are found that impede or infringe on the right to use and dispose of the purchased property in the future, the advance payment belongs to the return of 100% of the volume.

Checking the legal purity of real estate

Legal cleanliness means the absence of any obstacles to the sale, restrictions on encumbrances and prohibitions on the ownership of the apartment, the absence of reasons to appeal the legitimacy of the transaction and invalidate it.

You can protect yourself by carefully checking the documents of the owners of housing and carefully studying the history of the resale of this property.

What does the procedure for buying an apartment (step by step instructions) include at this stage?

• First of all, you need to study the house book. It contains records about everyone who has ever lived in this territory, as well as information about the privatization of the apartment. An extract from the personal account in the housing office can only be takenthe owner of the apartment. Carefully keep track of all the owners and those registered on the living space, so that by accident or on purpose no one remains "forgotten" in the apartment that has changed the owner.
• The next step will be a visit to the agency for state registration and land cadastre. There, in a single register, information about all transactions, restrictions and encumbrances on an apartment is stored.

It is worth noting that the owner's ownership of housing is not the most important thing. The fact that he has the right to use it is important. The owner must be a capable citizen. If there is even a drop of doubt on this issue, it is best to protect yourself and ask for certificates from the narcological and psychoneurological dispensary.

Signing the contract of sale

After you are convinced of the security of the transaction, it is necessary to conclude a contract of sale. It must comply with all the conditions imposed on it by law. These requirements are governed by the Civil, Tax and Family Codes of the Russian Federation.

The following items must be indicated in the contract:

• Title of the agreement.
• The actual place of the transaction.
• Date of signing the contract.
• Introductory part. It should consist of a list of participants in the transaction, indicating the details of the identity card of each participant (passports - for adults, for the rest - birth certificates). If one of the participants islegal entity, the name and its detailed details must be indicated.
• Description of the property (area, on which floor of which house the apartment is located, how many rooms).
• Property address.
• Object cost.
• Term and order of payment.
• Information about registered residents and the deadline for their deregistration.
• Term and procedure for the transfer of the apartment to the buyer.
• Indication of the mandatory registration of the contract.
• Indicate the number of copies of the contract.
• Signatures of the parties.

The procedure for buying and registering an apartment (step-by-step instructions): registration

A real estate transaction cannot be completed without its state registration with Rosreestr. The review period should be no more than twenty days, although sometimes the procedure period takes up to one month.

During the state registration of a transaction, a legal examination of documents and verification of its legality is carried out. This procedure serves as legal evidence of the emergence, limitation, transfer or termination of rights to real estate. She is the only fact that proves the existence of such a privilege.

Transfer of the apartment and signing of the deed of transfer

So we have come to the final stage in the question of how the purchase of an apartment takes place (step by step instructions). The final document confirming that the transaction was made within the framework of the law is the deed of transfer. It states the fact of the transfer of the sellerownership of real estate, including the actual use and ownership, as well as the fact of its acceptance by the buyer.

The concluded contract of sale must contain a clause specifying the time during which the seller is obliged to vacate the apartment. Upon receipt of the documents, it is necessary to specify the exact date of transfer of the purchased property. Discuss again what should stay in the apartment (all information should be specified in the preliminary contract). At the specified time, the signing of the transfer act takes place. The agreement is concluded in two copies, one for each party to the transaction.

Before that, you should inspect the housing, pick up receipts confirming payment for an apartment and utility bills, a certificate of no debts and, most importantly, the keys. If everything is in order, sign the document.

In addition, you can ask the former owners to leave documents about previous transactions for the apartment.

From the moment the deed of transfer is signed, the buyer becomes the full owner of the property and can proceed with registration at the new place of residence.

Deal insurance

We have analyzed in detail how the purchase of an apartment takes place (step by step instructions). Registration of insurance of the contract of sale (or otherwise title insurance) is a voluntary process, and, unfortunately, does not have much popularity in our country. It protects the buyer in case of deprivation of his ownership of the apartment. Sum insuredpayable if the transaction is declared invalid.

It is recommended to take out insurance in the following cases:

• The seller is not the owner of the apartment. Cancellation of the contract can be recognized in the event that the owner refused to sell before the signing, and the trustee entered into the transaction anyway.
• An underage person is involved in the process. The contract will cease to be valid if the guardianship authorities prove that the child's housing situation has worsened after the sale of the property.
• Agreed value below the market value of the apartment.

Good luck with your trades!