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12 essential steps to buy a home   Featured

The purchase of a home is the most important investment in the lives of most citizens, so we will show you the 12 steps you need to follow to perform successfully this operation. Between the recommendations provided by the general council of notaries are, to check if the home has charges or fees unpaid dragged by the owners.

Before, signing the deed of sale of the property, notaries remember that, usually, is prepared a private contract between the buyer and seller, it should consider important issues such as:

1.- Who signs on the selling part: when the seller is a promoter, who must sign is the administrator or agent of the company. If the seller part is an individual, all owners must sign and, if the property is Dower or family home, both spouses must sign.

2.- House’s load state: It is Essential to check if the property is free of charge, if there is a mortgage above it, if there are liens on it, or if there are any limitations in the statutes of the community of owners . You can apply directly at the property registration, for a note of information or make it through a notary. Sometimes you have to ask to the town hall a certificate of legality town planning, to check if there is any involvement not recorded in the land registry.

3.- Payments of community: Before buying, make sure that, the property is current of payments and expenses, because, in certain cases, the law requires to the buyer, to take over them.

4.- Price: It must be, clearly determined, the price and method of payment. Do not admit, fixing a price lower than the real, do not make any payments that are not documented. It is against the law, and you can be affected.

5.- Arras: when the private contract is signed, usually is made a payment as part of the total price, it is well known as "arras signal" this is binding on both parties . the most common are the penitential , allowing to withdraw from the contract before the signing of the deed . if it is the buyer who cancels the agreement , it will lose the amount paid , whereas, if it is done by the seller, it will have to repay twice received.

6.- A deed is irrefutable: the grantors of the sale declare before a notary his willingness to buy and sell and conditions of the sale. The public notary testifies or authenticity of these statements in writing, so that neither party can deny to the other what they have said. The deed is privileged evidence in court.

7.- The deed provides legal certainty: the notary is not limited to attest . their performance provides legal security by checking and verification that the issues addressed in the private document are in accordance with the law.

8.- In the act of signing the deed, the notary, among other things, 1) verifies the identity, capacity and legitimacy of the seller and buyer; 2) outlines the current burdens on housing; 3) confirms the payment of community fees, or 4) requests proof of payment of property tax (IBI. Finally it must be sure that it is current of the services of electricity and water.
- The steps to follow once you sign the deed of sale are:

9.- Supplies:do not forget to change into your name, the supplies affecting new housing.

10.- Documentation and invoices: retain all documents, receipts, warranties and original invoices on the acquisition.

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