5 problems, because of which you will be a very long time to sell the apartment
Tips A Life / / December 19, 2019
Outwardly sale apartment looks simple task. Only need to make beautiful pictures, lay them out on the Internet, to find a buyer, and draw up the documents to get money. But the reality is not quite so. Sale of property can complicate a variety of circumstances. We understand how to quickly and safely carry out the transaction, if the apartment has a "history".
1. several owners
If an apartment is more than one owner, it is more difficult to sell. An arm can only under certain conditions.
For example, if the apartment is in joint ownershipCivil Code, Article 244. The concept and the reasons of occurrence of common ownership without determining the share, any action only with the written consent of all the owners can spend time with her. Typically, this happens with privatization of housing and the joint purchase of apartments in marriage. From the sale of each of the participants will receive an equal amount of money.
When shared ownership housing, you also need the consent of all owners. If one of them against the only solution to the problem - buy it before the sale of the.
Total revenue from the transaction partitioned proportion to each owner. For example, the apartment is worth 10 million rubles. She three Property: in the first fraction - 60%, while the second and third - 20%. Accordingly, from the sale of the first property will receive 6 million, and the second and third - for $ 2 million.
2. Outstanding mortgages
If you have not paid off the mortgage for the apartment, it is possible to dispose only with consent of the bank. Therefore, you need to go back to the statement that you want to sell housing. The Bank may approve the deal or block it.
In the first case you need to provide a statement on the early repayment of the mortgage and the sales contract. On the day of the transaction you come to the bank together with the buyer, he leaves the money for an apartment in a cell or transfers to the account. Of this amount goes to pay the debt on the mortgage, and the rest - to the seller.
If the bank has not approved the deal, you have to look for a buyer who has agreed to pay part of the money as a deposit for the repayment of the debt on the mortgage. In search of such a volunteer takes time, so quick to sell the apartment is unlikely to succeed.
Separate conversation - military mortgage. To sell an apartment, bought on these terms, you must remove all encumbrances. That is, you need to fully repay the debt on the loan and then the sale will be possible.
Learn how to sell an apartment quickly
3. Children among owners
If you are buying a property you have used from the parent capital money, your child also hasArticle 10. The direction of the mother (family) capital in the improvement of living conditions share the apartment. This can cause difficulties in the sale of housing, because the employees of the guardianship monitor such transactions. They may prohibit the implementation, if they consider that infringed the rights of the minor. For example, when the conditions in the new apartment is worse than sold, or when moving from the city to the countryside.
Even if you are sure that the child's rights will be respected, you need to pre-assemble the necessary paperwork. IN lawCivil Code, Article 37. Disposal of property of the ward there is no exact list of documents that must be granted to the guardianship. The list is better to clarify in particular institution. To conduct a transaction, you can only after get written permission for sale.
4. illegal redevelopment
If you do redevelop the apartment and did not record it, such changes will not be marked in terms of the BTI (Bureau of Technical Inventory). Legalize them only through the courtsHousing Code, Article 29. The consequences of unauthorized reconstruction and (or) the unauthorized redevelopment of premises in an apartment house.
Re-planning does not prevent the sale of the apartment directly, but involves some complexity. For example, may discourage potential buyers because they consider such housing unsafe. In addition, you will likely have to reduce the cost of apartments with illegal modifications sold cheaper than the market average.
5. Debts for utility services
There are situations where the payment of utility services debts reach hundreds of thousands of rubles. There are several ways to get rid of them during the sale of housing. For example, you can negotiate with the buyer, the money from the deposit went to debt payments.
An alternative option - to transfer the debt to the buyer and at the same time reduce the cost of the apartment. according to the lawCivil Code, Article 391. Conditions and form of transfer of the debt, obligations of the parties to repay the debt is necessary to register the sale in a contract.
For example, the cost of apartments is 10 million rubles, and the debt for utility services - 200 thousand. Then, in the contract specifies the price of housing - 9.8 million, separately prescribed amount of debt and the period during which it must be repaid.
Difficulties queues in banks and other hassle can be avoided by referring to experts of the company "PIK-Broker». You will be able to profitably sell the property for a fixed period of time and at the same time not to worry about the legal purity of the transaction. And with the trade-in program, you can get a discount of 3% to a new apartment in one of the proposed residential complexes.
Learn how to sell an apartment profitable
see also🧐
- 8 serious mistakes in the sale of apartments, because of which you will lose money
- Trade-in real estate: how things work and why is it Really Profitable