Documents needed to buy a house
Buying a house is a vital step that many people dare to take without knowing what documents are necessary or the conditions required by banks. For this reason, from Grupo Mar de Casas we want to shed a little light on all your doubts and we explain what are the necessary documents to buy a house in the middle of 2020, read on and discover them.
Previous documents necessary to buy a house from an individual
The buyer of a home assumes, if any, the administrative and economic burdens derived from its acquisition, so we must be clear if this property is off-plan, new or second-hand and if it is transmitted by an individual or by a promoter.Anyone can put their home up for sale and, with this, must offer the property registration data with the property registration number and the property registry, attesting that the home is in the name of the owner of the sale. . Along with this documentation, we must know if you have any debt or mortgage burden, if it has been seized at any time … information obtained at the Land Registry of the Autonomous Community where you are going to proceed with the purchase by requesting what is known as a simple note.
When buying a home from an individual, he must guarantee us the fact of being up to date with the payments of the community fees by issuing a certificate of being up to date with the payment by the property administrator or the president of the Community of owners. This certificate joins another no less important, the energy efficiency certificate, mandatory since 2013 and which ensures that the property meets the necessary requirements for its habitability.
Other previous documents necessary to buy a house are the documents corresponding to municipal taxes such as the IBI (Real Estate Tax), the garbage rate or any other necessary according to the existing population in the municipality.
Previous documents needed to buy a new house from a real estate developer
Buying a new home requires an endless number of legal documents prior to construction that can (and should) be required by future owners such as the building license, the urban planning certificate (based on the General Urban Planning Plan, it exists in the town where the locates the house) and the certificate of the Property Registry, essential to begin construction.To these three documents we must add, when we buy a home off plan, the building license approved by the City Council, the certificate from the Commercial Registry where we make sure that the company is solvent and the most characteristic documents of the home such as the building plan and the private home, its detailed description and detailed description of the building, its common areas and services, the famous memory of qualities that will mark the materials with which it will be built, as well as all the documents necessary to make future payments of the living place.
