Initial checks.
Once the decision is made in regard to housing to be acquired, the first step before giving a signal, or signing a contract, is to verify the legal status and material condition of the house chosen.
Legal situation. Land Registry.
To verify legal status must contact the Land Registry and request a certified registry note (photocopy of the registry which contains the farm) in which to check whether the seller actually owns the dwelling and if it is free of charge, such as embargoes or mortgages.
The registry note carries a minimum cost. While it has a drawback: being a photocopy of the registry, does not include updates on the status of the estate and therefore there may be recent notes, pending registration, which has not yet listed. In order to ascertain the actual situation of the farm, you can ask the Registry a Certificate of Ownership and charges, in which the registrar certifies the date of the farm situation, including possible seats awaiting registration. This certificate carries a higher cost. (Mark each agency rates)
The charges contained in the Land Registry may be exclusively registry, ie, that being canceled economically, you have not registered this fact. (Mortgage fully paid or other official documents proving it). In this case it is the seller who is obliged to handle cancellations mentioned, prior to the sale.
Urban situation. First Occupation License.
To verify the legality of urban housing should request a copy of the First Occupation License good seller, either at City Hall where the property is located. In many cases you do not have the document, but the fact of having discharged all supplies, taxes, etc., makes it not imperative.
Economic situation. Property Tax and community fees from owners.
In order to verify that the home is aware of the financial obligations incumbent upon it, it is imperative to ask the seller the last receipt of Property Tax (IBI) and the last receipt of payment of the fee community owners.
This check is very important because, once the sales transaction, debts that may exist both for unpaid property tax and community ownership, will be borne by the new owner. If the debts are significant you can agree with the seller that they are subtracted from the purchase price.
Article 9 of the current Condominium Act provides that whoever acquires a flat or responds with own property acquired amounts due to the homeowners by previous owners for the maintenance of overhead premises. But its ceiling is set at the amount due in the year of purchase and the immediately preceding.
Also, the rules governing the Property Tax (IBI) provides that in cases of change of ownership, the property is affected to tax.