Are you in the process of purchasing an apartment? Do you have any questions on which you can not find the answer? Below you will find the top 7 questions that buyers face to face when buying a home.
How much does an apartment cost?
How much does an apartment cost? It’s the most popular question who want to buy an apartment. Various factors affect the price of apartments, such as: sector, new or secondary house, number of rooms, renovated or in white version, meter, floor, floor plan, as well as the socio-economic situation in the country as a whole.
What are the methods of payment?
An apartment can be purchased both with 100% cash and through a mortgage loan.
To get a mortgage, you need an official employment contract (an employment contract in the country of residence or if you are abroad) and an official stable income, as well as a down payment of 30% (down payment).
There is also the Program Prima Casa, for people who are employed in the Republic of Moldova. The basic conditions for granting a loan Program Prima Casa being: the credit applicant does not have any real estate during the last year, the first installment only 10%, the monthly salary is double compared to the monthly rate, and the cost of an apartment does not exceeding 50,000 euro, etc.
What kind of additional taxes exists?
According to the legislation, following the sale-purchase transaction, the buyer is obliged to pay the state tax of 0.5% as well as the notary's fee, which can vary from 0.1% to 0.8% of the total value of the contract.
What documents I need to buy an apartment?
When purchasing an apartment with cash money, you need the identity the passport and the declaration regarding the origin of the money. When you purchase a building by mortgage loan, the following documents are required: the employment contract, salary certificate (confirmatory document regarding the monthly salary), the evaluation of the real estate (executed by an evaluation company).
How long is the purchase process?
If we exclude the search and appreciation time regarding the asset we want to buy, an ordinary transaction (cash payment) takes place within 3-5 business days, and a mortgage loan transaction can take 5-10 business days.
What risks may arise?
There are certain risks that may arise in the process of buying an apartment. The most common are debts to utilities, hidden defects, an invalid receipt of intent to acquire and loss of the amount paid as a deposit, non-compliance with the conditions for the release of the building (release date, furniture and household appliances that must remain in the house) after the sale by the owner, etc. d.
How could I find the apartment of my dreams easier?
To find the best apartment with the best price-quality ratio, you need to daily monitor sites with real estate ads such as 999.md or makler.md, call dozens of construction companies, etc. All these actions consume time and energy, and the search process can become confusing.
The best choice is to call a professional real estate specialist within the company Acces Imobil. Real Estate Company can help you to buy the apartment of your dreams in a very short time and without headaches. And the great news is that its services are absolutely free!
Stop wasting your time, call right now: 078 888 900.
Acces Imobil - with us you make the right choice!
