Checkout house with land

With sharply increased demand for suburban real estate, family, wishing to buy a house in the village, faced with the question as to issue buy a house with land.

right buying process should begin with a selection of options.Decide in which a private house you want to live - in the city or in the countryside.

If you plan to use the land for private farming, or garden, then, of course, preferable to a house in the village.

Study the following points - whether in the village of gas, a condition of access roads, transport links, whether you can buy a house for maternity capital, whether really at your declared income arrange a mortgage or you will acquire for their own savings, a pledge at registration asto issue a deposit.

If you buy a house with land for cash is easiest to make, then draw a house, purchased for maternity capital, or to issue a mortgage, it is much more difficult.

How to make a preliminary contract?

Both the buyer and seller want to be sure that the deal is so often the seller will require a deposit.

deposit (also known as a deposit) is usually from 1 to 5% of the value of the house, in the city can be a little higher, and in the village below.No legal requirements for the amount, which must be made bail.

When it is necessary to arrange the transfer of the documents confirming the receipt of funds by the seller.

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receipt, made in the form of the Civil Code, is legally binding, but it return the deposit, if the deal was canceled not your fault, but the seller is not the desire to compensate for the collateral, will be possible only through the courts.

course, you can execute the contract of deposit, but it has no legal meaning.According to him, after being made a pledge, you must go to the house, the price is proportional to this pledge.

This situation, of course, any of the parties is not satisfied.The correct version - the conclusion of a preliminary contract of sale of your home.

According to it the parties having the following obligations:

• the seller - to take the pledge to prepare documents and make a deal with the transfer of ownership;
• the buyer - to make a deposit and be able to pay for the transaction in the ownership of the entry.

important to understand that this contract is executed by the parties' intentions.

It is necessary to provide clear answers to the questions, and that the parties should do if the seller refused, refused the buyer, the transaction can not take place due to external, documented reasons.

The seller, of course, has the right to change your mind and withdraw from the transaction.

In this case, the buyer would like to have the guarantee of the return of collateral in the double size.

If the buyer refuses, the security deposit will remain with the seller.This is a condition of the preliminary contract, but sometimes the parties prescribe conditions under which the deposit is fully refundable, but in a single size.

How to buy maternity capital?

In 2015-2016, the amount laid a maternity capital for the second child, is just over 450 thousand.

course, to deposit cash and buy one will not give at home, so this sequence:

• need to issue a certificate for maternity capital in the Pension Fund;
• apply to a bank that works with certificates and open an account there;
• when you take out a contract with the seller on the purchase, applying it for registration in the State Register.Parties are important to understand that the transaction has already taken place, but the right of ownership pass to the buyer at the time of receipt of money on account of the seller;
• buyer submits an application to the Pension Fund on the use of maternity capital, which is necessary to specify the bank account of the seller;
• in transfers of funds within 60 days of the Pension Fund in this regard.

It should be noted, not all vendors agree to the transaction in which the payment is the parent capital - do not want or are not able to wait.

In addition, the parent capital often does not cover all costs in the purchase of real estate.

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preferred to use, introducing as a first contribution to the housing under construction.

Some developers can also arrange payment of the combined system, taking maternity capital, cash and a mortgage.

How to arrange a mortgage?

If you have a high "white" income, it is possible to arrange a mortgage.

Unambiguous provide step by step instructions is not possible - in each bank their own terms and conditions, so what documents need to provide you tell the bank specialist.

scheme is as follows: Bank loans to your transaction, the seller immediately receives the full amount, and the buyer within a specified time each month brings to the bank a certain amount of the contract (repays the mortgage).

Ownership of housing purchased in the mortgage transferred to the buyer, but as long as he pays the mortgage, the house is pledged.

If for some reason the buyer can not pay the mortgage, the bank has the right to leave the house by myself.

important to understand if you can not pay the mortgage is temporary, it is necessary to turn to the bank statement, in which he outlined the circumstances.

may extend the mortgage, but, of course, at the same time to repay its costs increase.

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conveniently acquire a mortgage on a new home builder, for example, in the cottage - in the construction phase the price is low, and further, paying a mortgage, you are living there, be spared from paying for rent.

If you are not sure whether you can regularly pay a substantial amount for the accommodation, it is better to postpone the purchase of a home.

sales transaction

In fact, buying a house with land does not differ from the purchase of another property.The seller must have documents proving ownership.

is important to understand whether the land is owned by the seller or he is entitled to long-term use.

In the first case, the transaction price will be, of course, is much higher, but you are free from the hassle associated with registration of property rights to land.

If the seller acquired the house in 1998 or later, it must have a certificate of state registration of property rights.

Look at this document before, How to make a deposit or collateral.It lists all the owners and all you need notarized consent to the deal.

If one of the owners have died, for the proper execution of purchase and sale of house seller should alter testimony or submit documents for entry into inheritance.

example, if a house and a plot of land owned in equal parts to two adults and a child, one of equal adults died, the remaining family members inherit part half (unless otherwise provided by the will) and have already ½ of the house.

If ownership is decorated by the court, then in the future you may experience problems if it turns out that there is a party wishing to appeal or an appeal at the time the transaction has actually considered by the court.

When you are sure that all documents are in order, you can make a purchase.The deal to buy the house is made by a notary.

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usually in the preliminary contract the parties indicate who bears the notary costs.

What documents offered at the time of the transaction the seller and the buyer, you will inform the notary.

Real estate transactions are usually made by appointment.

study of all the subtleties of design houses in the village, the cottage or in the city will give you the opportunity to feel confident during the transaction.