By obtaining a property, many buyers focus on the price and material properties of property, but the decisive factor is often neglected: the presence of debts associated with good. one Property with debts It may be financial problems that offer your sale, as well as a danger to those interested in buying them. In this scenario, it is important to know that How to determine these debts What cares to avoid unwanted surprises.
What is the property with debts?
one Property with debts It has a characteristic of financial or legal issues related to it. These suspended problems can be of different types and values, and can include municipal taxes (such as IPTU) Even housing units, bank debts, or even problems related to registration records. By obtaining a property with debts, the buyer can bear the responsibility of these outstanding issues, depending on the nature of the debt and the agreement between the parties involved in negotiation.
What are the most common types of debt in real estate?
The debts associated with property may be of a different nature. It includes some of the most common:
- IPTU (urban property and regional tax) in the delay: Failure to pay the property tax can generate fines and benefits, and the new owner may bear the responsibility of these suspended amounts after purchase.
- Disposplaces of unpaid buildings: If the property is in buildings, there may be debts related to the monthly buildings maintenance fees or common areas.
- Bank debt and unpaid financing: In some cases, the property may be linked to mortgage or funding that has not been fully paid yet. If the seller does not organize this commentator, the debt can be transferred to the buyer.
- Fines and judicial charges: In some cases, property can be linked to legal procedures, such as pledges, evacuation or debt implementation.
How to consult debt in a property?
Before closing any business, it is necessary to perform a Full consultation About property. This can be done through different sources:
Consultation with the Real Estate Registry Office: The notary is the place responsible for registering real estate property and can provide information about the legal pending, such as pledges, mortgages, and lawsuits that involve property.
Consulting to the city hall (IPTU): Property tax is municipal responsibility and can be consulted directly Finance Secretariat Or on the local city hall site. There you can check if there is a property related to property, such as the tax amount and potential fines.
Consult with the registration office for addresses and documents: To verify the presence of debts of housing units or other financial fees, it may be necessary to consult the registration registration office and documents, especially if the property is in buildings.
Request for a certificate of property: A negative certificate can be requested to verify that the property is regular with regard to taxes, records and debt. It can be requested in the notary or city hall.
Care when purchasing a property with debt
If you are considering buying a property with debts, it is necessary to care to ensure that the work is safe. First, check all outstanding problems before closing the contract, and make sure to consult all possible debt sources, such as IPTUand Building rates And records in the notary. This check is necessary to avoid surprises after buying.
Then negotiate the regulation of debts with the seller. If there is a suspended known, it is important that the seller request this debt before the sale or the debt is customized of the value of the property. In some cases, the buyer may bear the responsibility of the debts, but it must be clearly agreed.
In addition, the additional costs that may arise due to real estate debts should be considered, such as fines, interest rates and even costs related to legal procedures. Therefore, preparing these cases financially and taking into account the negotiation.
Another important point is to assess the possibility of transferring debts to the buyer. In some situations, debts may be transferred, but this must be properly documented and the formal character is adding with the help of a specialist lawyer, ensuring that both parties are legally protection.
