Photo: Pixabay Buying a house or apartment is a dream for most Brazilian renters, however, the excitement of making this dream come true can be a risk and lead to serious problems, from unexpected expenses to the possibility of falling for fraud and incurring huge material losses and emotional toll.To avoid disappointment during and after the purchase process, a fundamental tip is to do adequate planning, whether buying a ready-made property or an apartment or house off-plan.
Below, see a little more about how to avoid complicated situations when buying a property:
Costs involved in purchasing a property Although many people do not consider this, there are different types of costs involved in purchasing a property.
Some of the main factors are:
Taxes and fees involved in the transaction and subsequent ones, such as negative certificates and registration of contracts at the property registry office, Property Transfer Tax (ITBI), and costs of approving and preparing real estate investment contracts; Potentially outstanding and outstanding loans for condominium, IPTU, public services or water, energy and gas bills; Cost of moving or purchasing furniture for the home; The values of the real estate financing installments (if the purchase is made in cash); and Necessary or expected reforms in the short and medium term. Generally, the issue of taxes (which can be around 5% of the value of the property), furniture or moving, ends up being forgotten and causes subsequent problems that harm or eliminate the immense joy that came from realizing the dream of losing your property. own home.
The main concern, which buyers end up taking more seriously, concerns the value of the installments, and often without taking the interest rate into account, with financing being done in as many installments as possible, which means that, in In some cases, the property costs twice as much.
Taking the above issues into consideration can significantly reduce the risk of headaches after purchasing any property, but they are not the only ones to be aware of.
How to get credit to buy a property As properties tend to cost more than most personal loans usually offer, it is natural for banks and banking correspondents to ask for more guarantees from those interested in obtaining real estate financing.
Depending on the customer's profile, the interest rate may be higher or lower, resulting in more or fewer purchases by interested parties.
Sometimes it's better to try to improve your profile before seeking financing.
Wanting to increase your Score Being able to prove residence in your own name Having a home telephone Offering fixed reference contacts with the bank Having a clean credit history and proof of income registered for more than two years are some of the criteria that can help when it comes to approval of loan.
Of course, it is also necessary that the interested party's income covers the value of the intended installments, not exceeding the limit of 30% of income, that is: a candidate for financing who receives R$2,000 per month cannot commit more than R$ 600 in salary installment.
Providing a down payment of at least 30% of the value of the property can also help to have your credit request approved, as the bank understands that you have no plans to stop paying the financing, as you have already paid part of the property fee.
Buying property in cash also requires care Less than 15 days ago, another fraud event related to the sale of property was reported to G1 in Paraná.
A family bought a property in Jandaia do Sul and discovered that they had been deceived when they stopped at a moving truck.
The buyers had already made three deposits after contacting who they believed to be the owner.
The victims also said that they had a notarized purchase and sale contract and that the deal was signed by two men.
The problem is that the scammers are not the owners of the house and the real owners did not receive the amount.
In this case, a police report was registered and an investigation was launched, but the fraudsters were not arrested, as they were no longer in prison for the crime.
Although many people do not know how an arrest works, it can be ordered by anyone, as long as the criminal act is detected at the time it is committed.
In the case of a crime committed by fraudsters who sold goods that did not belong to them, the act would only be discovered if a warrant was arrested during the negotiation, while the contract was signed at a notary's office or after the transaction was completed.
As this did not happen in the case of Paraná (and it does not happen in most cases), an investigation was opened and the situation may never be resolved.
To avoid being a victim of a scam like this, it is essential that anyone interested in buying a check, in the neighborhood, who are the real owners of the house, go to the notary's office and city hall to verify the authenticity of the documents presented by the seller and in no case If you make any payment before having access to all this information.
It should be noted that even if the sellers are correctly named in the contract and the seller's document, there is the possibility of fraud, as the seller's documents can be falsified, which is why it is essential to carry out checks within the limits of the law. and carry out the entire acquisition process, preferably under the guidance of a broker with a valid CRECI.