Buying an apartment: a step-by-step instruction. How to buy and place an apartment in Moscow?

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

We are looking for an apartment

The search for housing only seems like a simple occupation. In fact, it is complicated by many criteria: a binding to a specific locality, a number of rooms, a total area, a certain amount of money, and so on.

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 for one square meter. One bedroom apartment can have an area of 95 square meters. M, and two-bedroom - 62 square meters. M. That is, in this case, the cost of a two-room apartment will be less than one -room apartment . What else to pay attention to? How is the apartment purchased (step by step instruction)? In Moscow, as in other cities, the price of real estate depends on many aspects. Among them - the attractiveness of the area, the type of house, its distance from the center.

How to approach an apartment: turn-by-turn instructions

After you find 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, it is necessary to arrange a meeting 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 carried out through a real estate agency, most likely the realtor in charge of the transaction will offer to meet before the demonstration of the apartment in order to make sure of the firmness of your intentions, and also to protect the seller from dubious persons. He may also ask you to sign a survey sheet. This is done in order to exclude the sale and sale transaction bypassing the agency.

How does the apartment buy? The step-by-step instruction recommends that special attention be given to "getting to know" the likely new housing. It is worth to carefully consider the process of inspection, in order not to bite your elbows in the future. First of all pay attention to the entrance. It is for him to form an opinion on the neighbors and on the work of the housing and communal services in the house. When buying an apartment on the first floor, carefully check the skirting boards and the joints of the walls, on the last one - walls on the absence of streaks. In the latter case, a large number of carpets and new wallpaper should cause you doubts and serve as a reason for more thorough testing. If the apartment is angular, pay attention to the quality of insulation.

In addition, check the plumbing and communications. Inspect pipes, their condition, check the noise level, open the taps. Sometimes the drainage holes emit the smell of sewerage, and it appears periodically and at the time of inspection can be felt weakly. Therefore, do not be lazy to talk with your neighbors and find out about possible hidden "surprises".

Do not agree at once! Bargain!

And how do you buy an apartment? A step-by-step instruction recommends: if you are all tripled, then you need to discuss the price. Argumenting the identified defects, you can convince the seller to reduce the cost of the apartment. Thus, you can omit 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 be detected only during exploitation, or legal aspects that will give you a headache (at best).

Prepayment

We continue our study of how to buy an apartment. Step-by-step instruction still helps to understand this issue. With a general agreement on the transaction as a guarantee of its completion, it is necessary to conclude a preliminary contract. This can be either a deposit agreement or an advance contract. In the first case, he will keep the seller in the future search for customers, as in the event of a change in the terms of the transaction, as well as in the event of a refusal of sale, the seller will be obliged to pay the deposit amount in 200% of the amount. A breach of agreements on the part of the buyer will lead to loss of the amount paid. On receipt it should be clearly stated that money is transferred as a deposit.

Under the second type of contract, when the transaction is broken (both from the seller and the buyer), money is returned in any case. The advance agreement must specify the amount of the amount paid, the total cost of the apartment and the time limit for entering into the transaction. It is necessary to make a note that in the event that any facts that prevent or further infringe the right to use and dispose of the acquired real estate are discovered, the advance belongs to a 100% return.

Checking the legal purity of real estate

The legal purity means the absence of any obstacles to the sale, restrictions on encumbrances and prohibitions on the ownership of the apartment, the absence of reasons for appealing the validity of the transaction and invalidating it.

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

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

• First of all, it is necessary to study the house book. It records records of all who have ever lived in the territory, as well as information about the privatization of the apartment. Extract from the personal account in the housing department can only be taken by the apartment owner. Closely monitor all owners and registered in the living space, so that accidentally or intentionally no one is left "forgotten" in the apartment, changed the owner.
• The next step will be a visit to the state registration agency and the land cadastre. There, in a single register, information is kept about all transactions, restrictions and encumbrances on the apartment.

It is worth noting that ownership of the owner's dwelling is not the most important thing. It is important that he has the right to use it. The proprietor 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 information from the narcological and psycho-neurological dispensary.

Signing of the contract of sale

After you make sure of the security of the transaction, you need 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 clearly stated in the contract:

• The name of the contract.
• The actual place of transaction.
• Date of signing the contract.
• Introduction. It should consist of a list of participants in the transaction indicating the identity of each participant (passport - for adults, for others - birth certificates). If one of the participants is a legal entity, the name and its detailed requisites must be indicated.
• Description of the property (the area on which floor of which house is the apartment, how many rooms).
• Address of real estate.
• The cost of the object.
• Term and procedure of calculation.
• Information about registered residents and the period of their removal from the registration.
• Term and procedure for the transfer of the apartment to the buyer.
• An indication of the mandatory registration of the contract.
• Specifying the number of copies of the contract.
• Signatures of the parties.

The procedure for buying and decorating an apartment (step-by-step instruction): registration

A deal with real estate can not be completed without its state registration in Rosreestr. The review period should not be more than twenty days, although sometimes the procedure period takes up to one month.

At the state registration of the transaction, a legal examination of documents and verification of its legality is carried out. This procedure serves as legal evidence of the origin, restriction, transfer or completion of real estate rights. It is the only fact proving the existence of such a privilege.

Transfer of the apartment and signing of the deed of transfer

So we came to the final stage in the question of how the apartment is purchased (step-by-step instruction). The last document confirming that the transaction is committed within the framework of the law is a deed of transfer. It prescribes the fact of the transfer of the seller of real estate to the property, including the actual use and possession, as well as the fact of its acceptance by the buyer.

In the concluded contract of sale and purchase there should be a clause in which the time during which the seller is obliged to vacate the apartment is stipulated. When receiving documents, it is necessary to specify the exact date of transfer of the purchased property. Once again, discuss what should remain in the apartment (all information should be specified in the preliminary contract). At the specified time, the transfer act is signed. The contract 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 the apartment and utility payments, a certificate of absence of debts and, most importantly, the keys. If everything is in order, sign the document.

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

From the moment of the signing of the transfer certificate, the buyer becomes a full owner of the real estate and can proceed to registration of a residence permit at the new place of residence.

Insurance of the transaction

We have in detail disassembled, as there is an apartment purchase (the step-by-step instruction). Registration of insurance of the contract of purchase and sale (or otherwise of title insurance) is a voluntary process, and, unfortunately, is not very popular in our country. He protects the buyer in case of depriving him of the right of ownership of the apartment. The insurance amount is paid if the transaction is declared void.

It is recommended to arrange insurance in the following cases:

• The seller is not the owner of the apartment. The cancellation of the contract can be recognized if the owner, before signing, refused to sell, and the trustee still concluded the transaction.
• In the process, a minor is involved. The contract will become invalid if the guardianship authorities prove that after the sale of real estate the housing situation of the child has worsened.
• The contract value is lower than the market value of the apartment.

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