Tip 1: How to buy an apartment in Ufa
Tip 1: How to buy an apartment in Ufa
Buying your own apartment is one of theimportant and long-awaited events in the life of each person. Many think that the acquisition of housing consists only of processing documents and collecting money, but in every case there are nuances. If someone himself comprehends new peaks, studying legal and market niceties, then someone trusts their business with experienced "sharks" in the sphere of sale and purchase of real estate.
You will need
- - passport;
- - money to buy an apartment or an approved mortgage;
- - money to pay for the services of a real estate agency;
- - newspapers with ads on the sale of an apartment;
- - computer with Internet access.
Instructions
1
If you use the services of housingagency, you should learn about the reputation and experience of the organization in the city of Ufa. The more good reviews and length of service, the agency is more reliable. In addition to agencies, private realtors offer their services in buying apartments. The best among them should also be selected from the reviews of friends and acquaintances, necessarily with extensive work experience and quality work. Agents will help you choose the right apartment with the desired price and location. Check the apartment for "cleanliness" and collect the necessary package of documents. The realtor is obliged to always be in touch, advise on questions of interest and accompany them when inspecting the apartments.
2
Independent search and purchase of an apartment givesgreat savings in money, but a huge waste of time. Start looking for an apartment is worth it with ads in newspapers, themed sites on the Internet, in ad units on television, in stands on the street, etc. Among the newspapers in Ufa are popular "From hand to hand Ufa", "Bulletin of real estate", "All real estate." Hundreds of ads on the sale of housing are on such sites as ufa.irr.ru, avito.ru/ufa, v-nedv.ru.
3
When inspecting the apartment, you should pay attention togeneral condition of housing - plumbing, electrical wiring, heating systems, repair. It should be clarified about the presence of minors, incapacitated, in the army service or in imprisonment of equity holders. In the case of a positive response, you must require an appropriate resolution with a sales permit from the guardianship and trusteeship authorities or a power of attorney in the name of the seller from other adult co-owners to sell the apartment. Also, people who are married should have a notarized permission to sell the apartment from the spouse (s). It is advisable to monitor prices. The cost of apartments differ depending on what area of Ufa is housing.
4
Already from the owners of the apartment they likedshould be asked to show all documents for the apartment - a certificate of ownership, a copy of the cadastral passport, an extract of the cadastral plan and the house book, paid receipts for taxes, utility payments. Also, it should be clarified who bears the costs of the transaction, the amount of the deposit, the time for discharge from the registration record and the full release of the apartment.
5
In the event that the documents are not yet ready, the buyershould leave a deposit. A mortgage is a guarantee that the seller will not sell the apartment to another. The deadline for the collection of necessary documents and the day of the transaction are discussed.
6
The transaction is made in the registration chamber of the city of Ufa, located at: ul. 50 years of the USSR, 30/5.
Tip 2: How to buy land in Ufa
Today the city of Ufa is actively growing anddevelops. New large industrial facilities and residential complexes are being built on its territory. As a rule, all this is preceded by the process of acquiring land plots.
Instructions
1
Get the cadastral passport in the Technical Bureauinventory (addresses of offices can be found here http://www.vsebti.ru/). If you are acquiring a site for individual housing construction (IZHS), prepare a document that confirms the right to allocate this plot to you. This may be an agreement on the right of perpetual land use, an act on lifelong inheritance of a land plot, a building agreement or the allocation of a land plot. One of these documents and the cadastral passport give the right to undergo a simplified procedure for obtaining a land plot in ownership.
2
Leave to the administration of Ufa (pr.October, 120) a statement of intention to purchase a site in the property. Attach to it a cadastral passport and a document confirming the right to use the land, a passport of a citizen of Bashkortostan and copies of all documents. The application is considered no more than 1 month. After making a positive decision, you need to buy out the land plot, paying its value, which is calculated based on the cadastral value. The price of the plot taken for use in the period from 1.07. 1990. As of 31.10.2001, it is set at 2.5% of the cadastral value of the land plot. In other cases, the cost is 17 times the value of land tax (cadastral value * land tax rate 0.05%).
3
In the case of registration in the property of the site fornon-residential buildings (garages, warehouses, etc.) find out the origin of this structure in order to find out which authority you need to file an application. If the property was built by the owner, then you should apply to the administration of Ufa. Privatization of the building gives an occasion to apply to the Ministry of Property and Land Relations (13 Tsyurupy St.). For individual entrepreneurs and legal entities, the value of the land plot is 2.5% of the cadastral value. For individuals, the rate of land tax is determined by the decision of the city council when considering an application for the purchase of land in ownership.
Tip 3: How to get a loan in Ufa
The credit became quite commonbank product. With its help, you get both home appliances and housing. And with an abundance of proposals in the banking services market, you need to be able to choose the most profitable. Its specificity is also in obtaining loans in various cities, for example, in Ufa.
You will need
- - passport;
- - certificate of income;
- - A copy of the work book.
Instructions
1
Select the loan product that is mostyou will do. If you want to spend money on something specific, for example, on an apartment or car, then choose a targeted loan - you will have limited freedom in spending money, but you will receive money at a more favorable rate. If you want to spend money for several different purposes, then opt for an inappropriate loan in cash.
2
Find the bank with the most attractive for youconditions. This can be done through various reference sites. For example, to find the coordinates of financial organizations that have major offices or branches in this city can be using the site Banki.ru.
3
Prepare documents for filing a loan application. Usually banks require documents from the future borrowers to prove their income. It can be a certificate from the accounting organization of the employer in the form of 2NDFL or in the form of a bank. Also in some cases, usually for large loans, you may need a copy of the work book. She must be certified by a human resources specialist and have on each page a copy of "Copy is true", the date of registration, the name, initials and signature of the responsible officer, as well as the organization's stamp. Keep in mind that these certificates are valid only for a month from the date of registration. In addition to these documents, you can additionally present a certificate of ownership of an apartment or car - this will help the bank to make sure of your solvency.
4
Come to the chosen financial institution with all the documents. Fill out the loan application yourself or with the help of an organization employee. Check all the data, then sign the document.
5
Wait for the bank's response upon your request. It can come on the same day if it comes to a small consumer loan, or in a few days. In case of a positive decision, come to the bank branch again to sign the contract and receive money. In case of refusal, you can in some cases return your income statement to try to get a loan elsewhere.
