Photo: Pixabay Buying a house or apartment is the dream of most Brazilian renters, however the emotion of making this dream come true can be a risk factor and eventually lead to serious problems, from unexpected expenses to finally... fraud and major material damage and emotional.The main tip for not being disappointed during and after the purchasing process is to carry out the planning properly, regardless of whether you are buying a ready-made property or an off-plan apartment or house.
Below, see a little more about how to avoid complicated situations when buying a property:
Costs Associated with Buying a Property Although many people don't take this into consideration, there are a variety of costs involved in purchasing a property.
Some of them are:
acquisition expenses and consequent associated taxes and fees, such as negative certificates and registration of contracts at the Property Registry Office, property transfer tax (ITBI) and approval and preparation of real estate financing contracts; potential overdue and unpaid debts for condominiums, IPTUs, water, energy and gas usage or tariffs; the cost of moving or purchasing furniture for the home; the value of the mortgage installment (if the purchase is not made in cash); and reforms necessary or planned in the short and medium term. Normally taxes (which can cost around 5% of the value of the property), furniture or moving, end up being relegated to the background and subsequent problems arise that harm or significantly reduce the joy resulting from realizing the dream of owning your own home.
The main concern, which ends up being taken more seriously by buyers, concerns the price of installments and, often, interest is not even considered, financing is done in as many installments as possible, that is, in some cases, the property It costs twice as much.
Taking the above issues into consideration can greatly reduce the likelihood of having some headaches after purchasing any property, but they alone are not worthy of attention.
How to get a loan to buy a property As property values tend to be much higher than those for most personal loans, it is natural for banks and banking correspondents to ask for much more guarantees from those interested in obtaining real estate financing.
Interest rates may be higher or lower depending on the customer's profile, making the purchase more or less viable for those interested.
Sometimes it's worth trying to improve your profile before trying to get financing.
Trying to increase your score, being able to prove residence in your own name, having a home landline, providing a fixed reference contact for the bank, having a clean credit history and proof of income registered for more than two years are some of the options. criteria that... in terms of credit approval can help you.
Of course, the interested party's income is also required to cover the value of the intended installment, without exceeding the limit of 30% of income, that is: Finance Candidate who receives R$2,000 per month cannot commit more than R$600 of your salary.
Providing a down payment of at least 30% of the value of the property also helps a lot in approving your credit application, as the bank understands that you have no plans to stop paying the financing, as you have already paid part of it by paying for the property.
Less than 15 days ago, another fraudulent incident involving the sale of property was reported on G1 in Paraná.
In Zandaia Do Chul, a family bought a property and only arrived at the location with the moving truck to discover that they had been defrauded.
The buyers had already negotiated with people they believed to be the owners and paid three deposits.
The victims also said that they had a notarized purchase and sale contract and that the contracts were signed with two people.
The problem is that the scammer was not the owner of the house and the real owners did not receive any money.
In this case, a police report was registered and an investigation began, but the scammers were not arrested, especially because it was no longer possible to arrest them in the act.
Although few people know how an arrest is made in this act, it can be ordered by anyone, as long as the criminal act is caught in the act.
In the case of a crime committed by a scammer who sells without owning any property, the transaction action can only be detected if there is an arrest warrant during the negotiation, at the time of signing the contract at a notary's office or immediately after the decision.
As this was not the case in Paraná (and not the vast majority), an investigation is opened and the situation may never be resolved.
To avoid such scams, those interested in acquiring checks, in the neighborhood, who is the real owner of the house, it is very important to go to the registry office and City Hall to verify the authenticity of the documents.
It is important to remember that fraud is possible even if the seller is correctly named in the contract and in the seller's documents, as the seller's documents may be false, hence the importance of checking to the legal limit and carrying out the entire purchase process, preference CRECI legitimate With broker guidance.
