Photo: Pixabay Buying a house or apartment is a dream for most Brazilians who rent, but the ability to make that dream come true can be daunting and it can be difficult to reveal that it's just a matter of time before it's too late. fraud and suffer significant emotional harm.To avoid disappointment during and after the purchasing process, the main secret is to do the right planning, regardless of whether you are buying a ready-made apartment, or an apartment or an off-plan house.
Below, a little more about how to deal with difficult situations when buying a house:
Costs Involved in Buying a Home Although many people may not realize this, there are different types of expenses involved in buying a home.
Some of the main features are:
Taxes and fees levied at the time of purchase and subsequently, such as certificate of validity and registration of the contract at the property registry office, Property Transfer Tax (ITBI) and expenses with execution and preparation of the contract's domestic finances; Pending and unpaid debts for condominium, IPTU, utilities or water, electricity and gas; Costs for moving or purchasing property equipment; Values of financial interests in real estate (if the purchase is not made in cash); and Reforms proposed or planned in the short and medium term. Generally, the issue of transportation (which costs around 5% of the value), furniture or moving ends up being limited to the event and causes subsequent problems that lead to less efficient production of the raw material than the raw material. your own home.
The main concern, which is entitled to be taken seriously by buyers, is related to the value of the search, and often reverse search is not considered taken into account, and money is made as far as possible, which is that, in many cases, a house is worth twice as much.
Given these details, the risk of buyer concerns after purchasing a product is reduced, but they are not the only ones that deserve consideration.
How to get credit to purchase property As houses generally cost much more than most personal loans offer, it is natural that banks and banking correspondents require much more guarantees from those who wish to take out real estate money.
It seems the reason for this is that there is a lot of activity in the area.
Sometimes it makes sense to update your profile before applying for financing.
Try to increase your Score, so that you can prove that you are living in your own name, that you have a landline at home, that you can make reliable correspondence with the bank, that you have easy credit and that you can prove that you have lived for more than two years, some of the criteria are They can help when getting a loan.
Of course, it is also necessary that the victim's income covers the allowed amount, without exceeding the limit of 30% of income, in other words: a candidate for financing who receives R$2,000 per month will not be able to commit. more than R$600 of your salary in installments.
If you have to borrow at least 30% of the value of your property, it also helps to obtain your credit application, after all, banks understand that you plan to stop the money, because you spent part of it.
Buying the property in cash also helps Less than 15 days ago, another fraud related to sales was reported on G1 in Paraná.
A family bought a house in Jandaia do Sul and only realized that they had been evicted when they arrived at the location with the moving truck.
The buyers made three deposits after negotiating with who they believed to be the owners.
The tenants stated that they signed a notarized purchase and sale contract and that the contract was signed by two people.
The problem is that the scammers were not the owners and the real items received no attention.
In this case, a case was registered with the police and an investigation was opened, but the scammers were not arrested, especially because it was not possible to report any shortly before the end of the day.
Although many people may not know how a criminal arrest works, it can be ordered by anyone as long as the criminal charges are defined during the process.
In the case of a transaction made by scammers who sold an asset without owning it, the transaction could only be traced if there was an arrest warrant at the time of the transaction, at the time of the transaction or settled at a notary's office after the agreement. the love.
As this did not happen in Paraná (and did not happen in general), an investigation was opened and the situation will probably be resolved.
To avoid falling victim to a scam like this, it is very important that anyone who wants to buy a check, in the neighborhood, owner of the property, goes to the notary's office and city hall to ensure the authenticity of the documents. demonstrated by the seller and Under any circumstances, you must make any payment before entering all of the following information.
It's worth remembering that even if the sellers' names appear on the contract and owners' letter, there is still the possibility of fraud as the authorities' books are limited, so it's important to carry out checks to the limit. of the law and conduct the entire purchase process, preferably with the advice of a broker with careful CRECI.