I bought an apartment, what to do next, Ukraine
Thus, all payments will now be transferred to you, and not to the previous owner of the apartment. It will also be useful to take an extract from your personal account - to know about the current status of your utility debt.
- The second step will be to visit the management company (or the HOA, if your house is part of one). This is where you enter into a service contract.
- Next, you need to contact the energy company, where a contract for the power supply of your apartment is concluded (or re-issued if the housing was purchased on the secondary market).
- We do the same in the city gas service if a gas stove or gas boiler is installed in the living room.
- If the apartment has water meters, then you also need to register them for yourself.
Opening an account: where to go?
According to the documents, the unregistered living space continues to be registered with the previous owner, and therefore the new owner will receive receipts for utility bills addressed to the seller. This also applies to demands to repay debts incurred due to the fault of the registered owner of the apartment.
Receiving an income tax deduction. The tax office will return you 13% of the maximum amount of 2 million rubles, which will amount to 260 thousand.
Previously, the FMS dealt with issues of registering citizens at their place of stay and residence. Now this service has been abolished, and its functions have been transferred to the Ministry of Internal Affairs. For ordinary citizens, this reform has changed little: documents can still be submitted through the housing and communal services passport service.
At the stage of registering the rights of the owner in Rosreestr, the paperwork associated with the purchase of housing does not end for the happy owner. This is only the beginning of a long journey through the authorities in order to re-register numerous contracts for the provision of utilities and other services.
To do this, you will need to sign a transfer and acceptance certificate with the developer and receive from him a technical plan for the apartment. Sometimes the technical plan needs to be drawn up independently (this depends on the agreement with the developer). You can order a technical plan from the Cadastral Chamber of Rosreestr or from a cadastral engineer.
When the building is put into operation, the apartments in it begin to be given to equity holders. This process is carried out by signing an act of acceptance and transfer of residential premises. Only after this the owner receives the keys to the home.
As part of this procedure, the transfer of ownership is also registered and the corresponding entry is made in the register (USRE).
If the MA refuses to open an account, remember whether you signed an agreement with her on the basis of the transfer deed for housing. The contract must specify the responsibilities of the management company for the preparation of personal accounts. If there is no such obligation, a meeting of the owners of the premises in the apartment building is convened and a decision is made to change the terms of the contract.
Registration of a tax deduction
Real estate buyers have the pleasant opportunity to return part of the money paid for housing.
The tax deduction is 13%.
That is, the buyer receives a refund equal to the income tax paid upon purchase.
Conditions for receiving a tax deduction:
- A citizen must have official income, from which income tax is withheld - 13%. This could be wages, profits from business activities, fees for work, etc.
- The deduction is limited. The maximum amount is 2 million rubles. If the apartment costs more, then the deduction is still withheld from two million.
- The deduction is multi-use. That is, the tax paid on several properties purchased at different times is returned.
- The deduction limit for interest (when applying for a mortgage) is 3 million rubles.
- The deduction is calculated not per object, but per owner. For example, when a spouse purchases an apartment for 4 million, each of them can independently exercise their right to a refund of the tax amount from 2 million rubles.
It should be noted that these rules are relevant for owners of property acquired since 2014.
Anyone who purchased real estate before 2014 does not have the right to receive a deduction multiple times (it is a one-time deduction) and the right to calculate the deduction for the owner (the amount is calculated in relation to the property).
The date of purchase of housing is the moment of receipt of the acceptance certificate in new buildings and registration of rights in secondary housing.
When is it impossible to get a deduction?
There is no benefit if:
- this right has already been exercised once in relation to real estate acquired before 2014;
- the citizen does not have official income from which tax is withheld.
How to apply?
There are two ways to resolve the issue:
- Through the tax office. The issue is resolved at the end of the year in which the transaction was made. The entire amount is transferred to the citizen’s account. You need to contact the tax office with an income declaration;
- Through the employer. In this case, part of the burden of paying the tax is removed from the citizen. The reduced amount of deductions is maintained until the deduction amount is reached.
Also in the next article you will find out where to get an extract from the Unified State Register.
Thus, after purchasing an apartment, you should complete a number of procedures to register or re-register documents related to the supply of utilities.
The issue can be partially resolved with the assistance of the Management Company or the Homeowners Association. A nice bonus from the state is the possibility of a refund of income tax paid upon purchase.
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Where are property rights registered?
Let's assume that the transaction for the purchase of housing has been completed. What to do next? After purchasing an apartment, as we have already said, you will have to register the property in your name. The sooner a person does this, the better.
Registration of property rights is carried out through:
- cadastral chambers;
- Rosreestry;
- multifunctional centers.
To become the full owner of an apartment, a citizen must not only buy it, but also register it. To do this, he and the seller must come to the branch of Rosreestr, MFC or call a specialist to his place. There are other ways to submit documents: by mail or via the Internet. The latter option assumes the presence of a strengthened digital signature.
At the same time, it’s worth understanding the Internet, choosing a provider that suits you and concluding an agreement with him. Since the exact list of all documents for registering an account changes periodically, it is important to clarify it before going through the authorities.
There is no need to de-register first; this can be done simultaneously with registration at a new place of residence. To do this, the citizen will be asked to fill out an application for deregistration, addressed to the relevant authority at the previous place of residence. The application is sent by letter, so you will additionally need to bring an envelope with stamps.
I bought an apartment, what should I do next with the documents?
03.04.2018
After checking all the documents and facts, you can agree on the amount and sign the purchase and sale document. Next, with your passport, contract, registration certificate for the apartment and a receipt for payment of the state duty, you need to contact the Registration Chamber and register ownership of the purchased housing.
Housing Consultant
- Leave your previous place of residence.
- Within 7 days, you must submit an application to the Federal Migration Service or the passport office with an application and documents confirming the legal status of ownership of the premises.
- After a quick check, the employee will take the documents and passport, issue a receipt for the document being seized and set a date for receipt.
- After 1-2 weeks, a passport with the stamp is issued.
What actions need to be taken after buying an apartment
After 30 days, a formalized certificate of ownership of the apartment, a transfer deed and an agreement are issued. Registration of an apartment after purchase is a troublesome task, but our specialists will be happy to do this part of the work for you, call: 8 (4132) 212-212
We recommend reading: Receipt for receipt of advance payment sample for an apartment
Actions after purchasing an apartment
delivery of drinking water.
The water flowing from water taps is heavily contaminated with various sediments, so for cooking and drinking it is better to order delivery. Read online reviews about suppliers and immediately sign a long-term cooperation agreement. This will be much cheaper than one-time orders.
Have you bought an apartment? Find out what to do next
The act is signed after the shareholder has inspected the apartment. And this procedure should be treated with maximum responsibility - after all, later, when your autograph is already on the document, claims against the construction organization will be unfounded (except for cases expressly provided for by Russian legislation).
6) the person who accepted from the developer (the person providing the construction of the apartment building) after the issuance of permission to put the apartment building into operation in the building under the transfer deed or other transfer document, from the moment of such transfer.”
What you need to do after buying an apartment
If you need a landline telephone, we contact the nearest office of the telephone operator (Rostelecom, MGTS, etc.) and arrange an access point. Connecting to the Internet is done in the same way. But if the apartment already has a telephone, take information about the former owner from the RCC and provide it to the operator for re-registration.
But there are certain actions that need to be taken after purchasing an apartment in a new building. Most often, the apartment is sold directly to the developer through a share participation agreement. In fact, the property can be considered yours when the contract is signed and all fees are paid.
Documents that remain with the buyer after the apartment purchase transaction
- submit an application to the RCC with a request to issue all accounts in a new name;
- conclude an agreement on housing maintenance in the HOA;
- contact the energy company and city gas;
- water meters are also re-registered in a new name;
- if Internet and telephone have already been installed in the living space, contracts with operators are also reissued.
What documents remain on hand after buying and selling an apartment?
The first is the signing of the Sales and Purchase Agreement
The second (but may also be the third, depending on the wording of the purchase and sale agreement) is the signing of the Apartment Acceptance and Transfer Certificate
The third (but may also be the second, depending on the wording of the purchase and sale agreement) is filing applications for registration of property rights in Rosreestr, and making a record of the transfer of rights from the seller and registration of rights to the buyer in the Unified State Register of Real Estate.
I bought an apartment, what to do next with the documents Link to the main publication
List of sources
- kvartirgid.ru
- sovetnik36.ru
- sud-inform.com
Re-registration of documents (personal accounts)
What should you do after buying an apartment? Typically, the procedure depends on how and what kind of housing people purchase.
Now the first steps after buying an apartment are clear. A little later we will consider the procedure for implementing the assigned tasks in a particular case. There shouldn't be any real difficulties.
But confirmation of the fact that all pipes, including water, heating, gas and sewer pipes are the property of the residents of the house, does not answer the question of who should change the risers in a privatized apartment? The same document talks about such a concept as repairs (current and major).
I’m not going to register there for my own reasons (I have temporary registration in another city) read the answers (1) Topic: Municipal apartment Re-registering a personal account. read the answers (2) Topic: Separate personal account My name is Svetlana. My question is this: my husband died 6 years ago. But I, as an heiress, use part of it. For ordinary citizens, this reform has changed little: documents can still be submitted through the housing and communal services passport service.
Apartment by inheritance
According to the current legislation (Article 1152 of the Civil Code), the right to inheritance arises from the moment the inheritance is opened, that is, from the date of death of the testator (Article 1114 of the Civil Code). Does not depend on his (right) registration with a government agency, which is specifically stated in the law.
In fact, this means that the citizen is the owner of an apartment received by inheritance, but can make transactions with it only after registration with Rosreestr. A fairly significant period may pass between the date of acquisition of property and the moment of registration. In the event of a subsequent sale of the apartment by the heir, it is important that the minimum period of ownership, after which the seller is exempt from paying sales tax, will be counted from the moment the inheritance is opened.
When an apartment becomes a property when purchased with a mortgage
But in the case of private citizens, it is important to take into account several requirements:
- the fact of legal ownership of the object (the apartment is legally owned personally);
- full legal capacity;
- coming of age.
In this case, be sure to follow 2 procedures:
- Sign the appropriate agreement (in most cases of sale and purchase).
- Register the right with a government agency (branch of Rosreestr).
Both the buyer and the seller of real estate are involved in both stages. Each party can send its representative, who acts on the basis of a notarized, current power of attorney. These two procedures are performed at different times, which creates certain risks for the buyer .
Cost of registration of ownership of a secondary market apartment
Naturally, registration of ownership requires the payment of some taxes. The first thing you need to pay when drawing up a purchase and sale agreement is the state duty. It is 1% of the transaction value. Plus payments to the pension fund are also 1% of the appraised value of the apartment. Plus the cost of notary services is about 4 thousand hryvnia. Without a receipt for payment of the fee, the notary will not certify the transaction.
In total, the approximate cost of re-registration of an average apartment on the secondary market will be about 500-600 USD. If you want to calculate accurately, then you need to calculate 2% of the actual cost of the apartment and add notary services, appraisal and bank transfers. The notary is approximately 4 thousand hryvnia, the estimate is about two thousand, and the bank is also a thousand to one and a half hryvnia.
As a result, re-registration of an apartment on the secondary market turns out to be 5 times more expensive than registering ownership of an apartment in a new building. There the price is only about 100 USD, and on the secondary market it is approximately 500 USD and above. Depends on how many years the apartment has been owned and on its value. If the apartment has been owned for less than 3 years, then another 6.5 percent of taxes will be added.
