How to buy an apartment in Moscow? Buying an apartment: documents

The Moscow real estate market has been and remains the most dynamic and attractive. The high demand for housing in Moscow remains in all segments, but in terms of liquidity it is the apartments that occupy the first places. In this regard, the question of how to buy an apartment in Moscow without risks and at the most favorable terms is relevant. The answer can not be unambiguous, since an operation of this level requires consideration of many nuances affecting the format of the transaction, the procedure for signing the contract, the approach to choosing the object itself, and so on.

Preparatory Analysis

Before you sign the necessary documents and make a calculation with the owner of the apartment, you need to find out a number of facts, knowledge of which will make it possible to make sure of the purity of the transaction. First of all, this is the trustworthiness of the owner: his sanity and competence are the basic basis, according to which the apartment is purchased. Documents in this case can be the following:

• The contract of donation.
• Information about the psychoemotional state of the owner.
• Permits (from children, relatives, other real estate owners).
• Will.

At this stage, it is not so important to determine the correctness of the immediate legal rights to the apartment, how many to analyze the possible indirect factors that may in the future become an excuse for the termination of the transaction.

Checking an apartment

At this stage of preliminary preparation for the transaction, it is important to assess how pure the property itself is in legal and technical terms. It is known that large flows of changing owners in megacities complicate the "biography" of housing. Therefore, any realtor, explaining how to buy an apartment in Moscow, advises to carefully check information about repairs, redevelopment and the state of communication networks.

In addition, legal documents must be checked, including certificates from the passport desk and BTI. There are cases when sold apartments are pledged to credit institutions, so a thorough revision of the legal status of the property will be useful. The same applies to the technical condition of the object: it is important not only to know how to buy an apartment in Moscow without legal risks, but also to receive it in the form in which the seller claims. Often in the course of operation, serious defects in repair are found, therefore, comprehensive analysis is a prerequisite for preparing for the conclusion of a transaction.

Check on the unified state register

One of the main sources of reliable information, on the basis of which the buyer can independently verify the data on a particular object, is the state register (EGRP), which records the rights to real estate and operations with it. References are issued even without informing the owner, who is planning to purchase an apartment. Documents from the Unified State Register of Enterprises are official and contain information about the owner of the apartment. Also from the extract you can find out the legal grounds on which the seller became the owner of the housing.

Clearance of the transaction

The procedure from the point of view of registration of purchase documents can be divided into two parts: fixation of payment calculation and execution of the contract. Payment is recommended to be made in a non-cash format. In cases where housing is purchased from individuals, the calculations are confirmed by an act and a receipt that records all the data on the financial transaction, that is, who, to whom, and how much money it has transferred.

The second part of the majority of citizens is perceived as the registration of a contract with a notary. Unfortunately, this is not quite a correct understanding of how to buy an apartment in Moscow without the risk of legal problems in the future. In fact, the purchase transaction can be fixed in the usual written form, but it must be assured in the capital Rosreestr. And only then notarial certificates and an extract from the house book are presented except for the contract .

Secondary and new building: the features of the purchase

Both options involve certain risks when processing a transaction. If you plan to buy a secondary home, then special attention should be paid to the legal history of the facility. The older the house, the higher the likelihood that the property had a large number of owners, so the current status of housing should be analyzed in detail.

Not so simple and with apartments in new buildings. If you want to become an owner of real estate, having registered the rights of a participant in shared construction, you must first ascertain the reliability of the developer. A mandatory list of documents with which you need to familiarize the buyer includes a permit to conduct construction, ownership of the site, a project declaration. Despite all the disadvantages and risks of cooperation with developers who did not finish the construction at the time of the transaction, buying an apartment in a new building has two significant advantages: the price of such objects is on average 25% lower, and the history of housing maintenance is completely clean.

Purchase without seed capital

The first thing people think about that do not have enough money to buy housing are mortgage loans. Unfortunately, in pure form of loans without initial contributions today there. Most of the programs are focused on providing collateral in the form of mortgages of existing real estate, but here also their nuances. For example, buying an apartment in a mortgage is usually impossible without a stable income and a clean credit history.

In some cases, families can use maternity capital. Assistance from state banks is becoming a good and reliable help in improving housing conditions, but even the buyer of the apartment will have to invest up to 15% of the cost of the facility.

An alternative to a mortgage may be an installment plan. Today, this option of buying rather refers to tools marketers than to banking services, nevertheless in the Moscow real estate market it is quite realistic to get a six-month installments on terms of making 50% of the cost. Of course, buying an apartment in a mortgage involves significantly longer payment periods, but the package of documents for issuing a loan is broader.

If you compare programs at interest rates, installment will be less attractive. So, if the full payment period is provided for less than 10 years, the amount of additional investment may exceed 15%. In the case of mortgages, interest rates are much more profitable.