FAQ
FAQ
Negotiations
Sometimes the seller and buyer a number of less important matters, "movable property" for example, only to negotiate when they talk about the principal issues. In such a case, the court may provide that if the parties can not agree side issues, now they are on their own sometimes indicated as the principal, must continue to negotiate until a reasonable result is achieved on the side issues.
Purchase
In addition to income requirements, lenders also consider the 'market value' of the property. The lender determines what exactly constitutes this market value. It could be:
- The purchase price of the property
- The purchase/construction sum, potentially increased by land prices, construction costs, additional work, construction interest, and utility connections
- The appraised value, potentially after renovation
For an existing property, in 2014, you could borrow a maximum of 104% of the market value (potentially after renovation).
In 2018, the maximum mortgage cannot exceed the market value of the property (100%). Therefore, starting from 2013, the maximum mortgage is reduced in six equal steps of 1%. Consequently, in the future, you will have to cover more of the additional costs yourself.
"buyer's costs" (kk) means that the buyer pays the costs of the transfer of the property accounts for. The "buyers costs" is about 10% of the purchase price. Among th e buyers costs include the following costs:
- Transfer Tax;
- Notary fees for drafting the deed of transfer;
- Land Registry Fees for registration deed of transfer.
In addition to these costs, the buyer must also take account of:
- Notary fees for drafting the mortgage;
- Land Registry Fees for mortgage registration.
The costs are not the buyer brokerage fees. If a seller is an estate agent to sell his / her property then the seller will have to pay costs of this agent. If the buyer is an estate agent for the purchase of a property, the buyer will pay the costs of this agency must pay.
The reflection takes (at least) three days starting on the day following the day that the buyer (by both parties) signed certificate or a copy there of gets handed. The cooling-off period ends at midnight of the last day of the grace period. It is not important what time the buyer a copy of the document received
Sale
When buying a new house is such an option is common. When purchasing an existing home is often erroneously the term 'option' is used. Then it has the meaning of certain commitments that selling broker can do to an interested buyer during the negotiation. Such a commitment might mean that an interested buyer for a few days to think about getting a bid. The broker will in the meantime try not to another party to enter into negotiations. The interested buyer can use this time to a better understanding of mean funding or uses of the property.
An option can not demand, the seller and selling broker to decide whether a given negotiation commitments.
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