A former housing is not worth the same price if in good condition and only requires a simple and repainting work or s it requires major work. You know, but never forget that the seller always adds an emotional dimension to the unit it has occupied and has a tendency to outbid the price. Do not soften.
See studies by the ADIL and other agencies to get an idea of just price. To help you get an idea of prices in your city or in your area, consult the studies by the Observatories of Housing, the agency for information about accommodation (ADIL), notaries, banks ... Do not leave no stone unturned: tour the estate agents, janitors.
Do not get brainwashed by the soaring prices. From these data, you'll have an idea of prices in which the property is coveted. you add the "plus" (high floor, no vis-à-vis, a good orientation, a condition satisfactory) and you subtract the "minus" (ground floor dark view of the courtyard just light, noise , heavy duty, easements passage ...). You will receive a blended price that nothing prevents you from attempting to negotiate.
Finally, do not let yourself be brainwashed by a possible "price spike" that exists now and which can only help to reinvigorate the appetite of sellers. No panic, no rush: to make a good buy, do not be hurry to buy and especially do not show it.
Other elements of cost of purchase. The cost of housing is not limited solely to the purchase price. There are also many ancillary costs charged by the state bank, the notary and some professionals it is advisable to surround to make a good buy. Some are paid on the date of signing other in the year, but it is better to include in your budget.
The notary's fees corresponding to the drafting of the deed of sale which are priced by a decree of 1978 to 5% for purchases less than € 3,048.98, 3.3% for a purchase between 3048.98 and € 6097.96 1.65% between 6097 and 16 € 769.39 0.825% and beyond. (+ VAT at 19.60%).
rights record : Taxes collected by the notary on behalf of the State and local government, called the registration fee. These amount to 4.80%
in the former and only around 1% in the nine, taking the purchase price already includes VAT.
costs associated with administering : The costs and expenses corresponding to the representations made to the services and administration (registry, mortgage statement, application for planning permission, is serving the right of preemption of common rights stamp ...)
If credit: When using credit, various taxes (land registration, pay the registrar of mortgages) are levied by the lending institution on which to add the fees of the notary.
Total : A total of 76 acquisitions for € 224.5 all these transfer costs will amount to about 3.45% in the ninth while in the former, it will amount to 7.6%.
EXPERT
The law Carrez yes ... but : By acquiring a former apartment, you are now covered by law Carrez (December 1996) which requires every vendor to ensure the surface and take bear the fees of the specialist. But if you buy a house or apartment oldest, no obligation. To not pay meters square ghosts, it is best to use an expert. for less than 457.35 euros (3000 F), it will make you a meter of your future home.
An expert not to pay a price above the market
Also, if you think the proposed housing, apartment or house is sold at a price seems exorbitant, please contact an expert. Depending on the surface but also the environment, floor, direction and comparative method with properties as similar as possible recently sold in the same area, you will have the true price of your future home for a rate of between 457.35 and 304.90 euros Euro (2000 and 3000 F) (excluding VAT). Significant expenditures in a budget that you avoid overpaying for your home, however, especially in the current period of rising prices.
condominium fees
expenses incurred by the buyer of an apartment : When you buy a building, you are liable for payment of charges. Do you specify the amount of annual charges to include in your budget.
Beware of big jobs already passed by the general meeting of owners : Ask whether the trustee for large jobs (Cleaning, replacement of a boiler, repair of the common ...) were recently voted in a general meeting or will shortly be presented to the agenda. Again, you should anticipate these expenses.
LAND TAX
How is it calculated? The amount is calculated on the basis of the rateable value of properties built, minus an allowance of 50% and then multiplied by the tax rate voted by local authorities.
These rates can vary from 1 to 10 between the towns, from 1 to 5 between the departments of 1 to 3 between the regions. This explains the great disparity of that tax for the same surface in a different city. Find out how much you'll pay in order to integrate it into your expenses. The note can be very painful and returns each year.
The existing exemptions : Various exemptions are provided in specific cases. Moreover, exemptions apply to two-year new construction or renovation if they are assigned to the primary residence.
Caution: This exemption is not granted automatically, but depends on the willingness of the municipality.
If you buy an old property : In the case of buying an old property, this tax is usually shared between seller and buyer in proportion to time, that is to say according to the number occupied by each month.
When should it be paid? later than October 15 of each year.
THE HOUSING TAX
The amount is calculated on the basis of rental values which apply to register a tax rate voted by the municipal councils. These rates vary widely from one municipality to another, which again explains a great disparity between two homes Similar located in two different municipalities.
existing exemptions: Other reliefs and allowances are made within the resources and expenses for families of taxpayers. Some total or partial exemptions exist in specific cases.
When should it be paid? between November 15 and December 15 of each year.
For purchase of land: uses a chartered surveyor. Finally, if you want to build a house on land, do not hesitate to call an expert surveyor who will conduct a boundary defining your property and you ensure the meter of ground. Again, no need to pay square meters that do not exist.
(sources Paruvendu.fr)
See studies by the ADIL and other agencies to get an idea of just price. To help you get an idea of prices in your city or in your area, consult the studies by the Observatories of Housing, the agency for information about accommodation (ADIL), notaries, banks ... Do not leave no stone unturned: tour the estate agents, janitors.
Do not get brainwashed by the soaring prices. From these data, you'll have an idea of prices in which the property is coveted. you add the "plus" (high floor, no vis-à-vis, a good orientation, a condition satisfactory) and you subtract the "minus" (ground floor dark view of the courtyard just light, noise , heavy duty, easements passage ...). You will receive a blended price that nothing prevents you from attempting to negotiate.
Finally, do not let yourself be brainwashed by a possible "price spike" that exists now and which can only help to reinvigorate the appetite of sellers. No panic, no rush: to make a good buy, do not be hurry to buy and especially do not show it.
Other elements of cost of purchase. The cost of housing is not limited solely to the purchase price. There are also many ancillary costs charged by the state bank, the notary and some professionals it is advisable to surround to make a good buy. Some are paid on the date of signing other in the year, but it is better to include in your budget.
The notary's fees corresponding to the drafting of the deed of sale which are priced by a decree of 1978 to 5% for purchases less than € 3,048.98, 3.3% for a purchase between 3048.98 and € 6097.96 1.65% between 6097 and 16 € 769.39 0.825% and beyond. (+ VAT at 19.60%).
rights record : Taxes collected by the notary on behalf of the State and local government, called the registration fee. These amount to 4.80%
in the former and only around 1% in the nine, taking the purchase price already includes VAT.
costs associated with administering : The costs and expenses corresponding to the representations made to the services and administration (registry, mortgage statement, application for planning permission, is serving the right of preemption of common rights stamp ...)
If credit: When using credit, various taxes (land registration, pay the registrar of mortgages) are levied by the lending institution on which to add the fees of the notary.
Total : A total of 76 acquisitions for € 224.5 all these transfer costs will amount to about 3.45% in the ninth while in the former, it will amount to 7.6%.
EXPERT
The law Carrez yes ... but : By acquiring a former apartment, you are now covered by law Carrez (December 1996) which requires every vendor to ensure the surface and take bear the fees of the specialist. But if you buy a house or apartment oldest, no obligation. To not pay meters square ghosts, it is best to use an expert. for less than 457.35 euros (3000 F), it will make you a meter of your future home.
An expert not to pay a price above the market
Also, if you think the proposed housing, apartment or house is sold at a price seems exorbitant, please contact an expert. Depending on the surface but also the environment, floor, direction and comparative method with properties as similar as possible recently sold in the same area, you will have the true price of your future home for a rate of between 457.35 and 304.90 euros Euro (2000 and 3000 F) (excluding VAT). Significant expenditures in a budget that you avoid overpaying for your home, however, especially in the current period of rising prices.
condominium fees
expenses incurred by the buyer of an apartment : When you buy a building, you are liable for payment of charges. Do you specify the amount of annual charges to include in your budget.
Beware of big jobs already passed by the general meeting of owners : Ask whether the trustee for large jobs (Cleaning, replacement of a boiler, repair of the common ...) were recently voted in a general meeting or will shortly be presented to the agenda. Again, you should anticipate these expenses.
LAND TAX
How is it calculated? The amount is calculated on the basis of the rateable value of properties built, minus an allowance of 50% and then multiplied by the tax rate voted by local authorities.
These rates can vary from 1 to 10 between the towns, from 1 to 5 between the departments of 1 to 3 between the regions. This explains the great disparity of that tax for the same surface in a different city. Find out how much you'll pay in order to integrate it into your expenses. The note can be very painful and returns each year.
The existing exemptions : Various exemptions are provided in specific cases. Moreover, exemptions apply to two-year new construction or renovation if they are assigned to the primary residence.
Caution: This exemption is not granted automatically, but depends on the willingness of the municipality.
If you buy an old property : In the case of buying an old property, this tax is usually shared between seller and buyer in proportion to time, that is to say according to the number occupied by each month.
When should it be paid? later than October 15 of each year.
THE HOUSING TAX
The amount is calculated on the basis of rental values which apply to register a tax rate voted by the municipal councils. These rates vary widely from one municipality to another, which again explains a great disparity between two homes Similar located in two different municipalities.
existing exemptions: Other reliefs and allowances are made within the resources and expenses for families of taxpayers. Some total or partial exemptions exist in specific cases.
When should it be paid? between November 15 and December 15 of each year.
For purchase of land: uses a chartered surveyor. Finally, if you want to build a house on land, do not hesitate to call an expert surveyor who will conduct a boundary defining your property and you ensure the meter of ground. Again, no need to pay square meters that do not exist.
(sources Paruvendu.fr)
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