Purchase
Compromise
Notary
Deed
Taxes
Deduction
PURCHASE
If we need time when we chose our house for properly assessing what we are doing, after the required information has been collected, purchase procedures are to be started. We need to be absolutely certain on some specific aspects:
The price
The area
The type of building
The size
The aspects involved in the negotiation are: house delivery time, payment procedure, the possibility to obtain a mortgage, how condominium management costs are split during the period between the preliminary agreement and the final purchase contract.
The price
The area
The type of building
The size
The aspects involved in the negotiation are: house delivery time, payment procedure, the possibility to obtain a mortgage, how condominium management costs are split during the period between the preliminary agreement and the final purchase contract.
COMPROMISE
The preliminary purchase agreement indicates all details, which are formalized in the final purchase contract. The preliminary purchase agreement is, therefore, the most important and crucial part of the negotiation (a preliminary purchase agreement should always be entered into, unless the transaction is between people who totally trust each orther). To start wrting a preliminary purchase agreement, the following items must be clear:
Price of the estate
Payment procedure
Date of the final purchase contract
Date of delivery
Price of the estate
Payment procedure
Date of the final purchase contract
Date of delivery
NOTARY
The contract through which estate offiacially changes its owner should always be signed by a Notary Public, unless the estate is bought from a judiciary auction. The ownership transfer may be operated in two ways:
simple agreement
public document
The Notary Public is always in charge of paying registration, mortgage and cadastra taxes, which are charged to the buyer, and register the document to the keeper's office.
simple agreement
public document
The Notary Public is always in charge of paying registration, mortgage and cadastra taxes, which are charged to the buyer, and register the document to the keeper's office.
DEED
The Notary document is the final purchase contract. Two important points need to be stressed:
The first is that in the case of joint ownership, the document must be jointly signed by all owners to be valid, before a Notary public, or the owners may represented by a proxy.
The second point is that - upon signature of the final purchase contract - the estate must be absolutely free from aniy mortgages, obligations and encumbrances. If the buyer accepts to undertake a mortgage, the calculation of residual debt (the capital to be refunded) must be very accurate.
The first is that in the case of joint ownership, the document must be jointly signed by all owners to be valid, before a Notary public, or the owners may represented by a proxy.
The second point is that - upon signature of the final purchase contract - the estate must be absolutely free from aniy mortgages, obligations and encumbrances. If the buyer accepts to undertake a mortgage, the calculation of residual debt (the capital to be refunded) must be very accurate.
TAXES
ALL THE TAXES
All current taxes charged to the buyer, and are calculated based on the estate value declared in the final purchase contract.
INSURANCE COMPANIES
The D'Andrea & D'Andrea preferred Companies
www.winterthur.it
www.realemutua.it
eale Mutua Assicurazioni offre la formula "Casamia".
www.ras.it
Ras Assicurazioni offre la formula "Full Casa"
www.ania.it
All current taxes charged to the buyer, and are calculated based on the estate value declared in the final purchase contract.
INSURANCE COMPANIES
The D'Andrea & D'Andrea preferred Companies
www.winterthur.it
www.realemutua.it
eale Mutua Assicurazioni offre la formula "Casamia".
www.ras.it
Ras Assicurazioni offre la formula "Full Casa"
www.ania.it
DEDUCTIONS
To obtain the opportunities granted by the Laws for deductions, specific conditions must be complied with, in accordance with the DPR 26 April 1986, No. 131.
LE IMPOSTE
Istituti di credito
Ma quanto mi costa?
Decidere ci comprare una casa è un passo importante nella vita di una persona perchè comporta un investimento economico non indifferente. Spesso accade che le risorse economiche non siano sufficienti e che si debba ricorrere ad un finanziamento che può durare molti anni.
Attraverso i mutui, la banche offorno la possibilità di finanziare l'acquisto di una casa: occorre prestare attenzione al tasso di interesse applicato che può essere variabile, fisso, bilanciato o misto. La durata del mutuo può estendersi da 5 a 30 anni.
Il gruppo D'Andrea & D'Andrea è in grado di seguirti in questa fase delicata, proponendoti le soluzioni migliori e le opportunità più vantaggiose presenti sul mercato, oltre a garantirti servizi personalizzati e rapidità nella soluzione delle pratiche.
Ma quanto mi costa?
Decidere ci comprare una casa è un passo importante nella vita di una persona perchè comporta un investimento economico non indifferente. Spesso accade che le risorse economiche non siano sufficienti e che si debba ricorrere ad un finanziamento che può durare molti anni.
Attraverso i mutui, la banche offorno la possibilità di finanziare l'acquisto di una casa: occorre prestare attenzione al tasso di interesse applicato che può essere variabile, fisso, bilanciato o misto. La durata del mutuo può estendersi da 5 a 30 anni.
Il gruppo D'Andrea & D'Andrea è in grado di seguirti in questa fase delicata, proponendoti le soluzioni migliori e le opportunità più vantaggiose presenti sul mercato, oltre a garantirti servizi personalizzati e rapidità nella soluzione delle pratiche.
[continua...]
LE IMPOSTE
Un aiuto per il cliente
www.telemutuo.it
Istituti convenzionati:
www.bancadelladriatico.it
www.mps.it
www.caripe.com
www.bpls.it
www.unicreditbanca.it
www.telemutuo.it
Istituti convenzionati:
www.bancadelladriatico.it
www.mps.it
www.caripe.com
www.bpls.it
www.unicreditbanca.it
