How to buy an apartment without a realtor: step by step instructions, nuances and features

There is an opinion that without a realtor it is impossibleto buy accommodation. In fact, this is not such a difficult task, which everyone can cope with. Yes, the real estate agent saves the client's time, but it is absolutely not a guarantee that in the future the buyer will not have problems with the purchased object. In addition, the services of the intermediary are paid and can reach 10% of the value of the transaction, which at current prices for real estate will result in a tidy sum.

Knowing several rules and adhering to the step-by-step instruction "How to buy an apartment without a realtor," you can buy a house in a relatively short time.

Preparatory stage

First of all, we need to properly assess ourfinancial opportunities. This issue is very important, even if the person who is looking for housing is sufficiently secured. The price of an apartment reflects even the cost of a notary's services, the amount of tax that in the future will have to be paid.

Factors affecting the price:

• the location of the building;
• material from which the house is built (for example, panel objects are less valued than brick ones);
• availability of infrastructure;
• the size and layout of housing, although if it is a question of a new building, then this issue, as a rule, does not arise;
• availability of repair;
• the number of floors in the whole house and the floor on which the house is sold;
• type of heating. In conditions of high tariffs, this factor has become very important.

There are more tips when buying an apartment allowingdo not get into trouble. Be sure to analyze the supply and demand for a similar property. It's no secret that within the boundaries of a large city the price of housing is many times higher than its cost price. Therefore, there is a certain "run-up" of prices, and if they offer too cheap housing, then surely there are some problems with it. This may be a large debt on utility bills, a poor state of intra-house communications or problems with title documents. If it is not possible to determine the cause, then you can turn to an independent expert and evaluate the accommodation you like.

Secondary or primary housing?

The primary market is real estate withoutlegal history, no one has ever received ownership of it. The purchase is made directly from the builder. In most cases, this option is much more profitable, of course, if you buy an apartment in a house that is put into operation. It is in this situation, there should not be a question how to buy an apartment in a new building without a realtor. It will only be necessary to check the developer, and if everything is normal, then it's safe to buy housing.

But if you buy already ready housing, then savewill not work. The object that is still being built is cheaper. That is, the contract of equity participation is signed with the developer, and the future owner waits until the entire building is built and put into operation. Construction can drag on for years, so if housing is required urgently, you will have to stop at the secondary real estate market.

Secondary housing - this is real estate, which is alreadywas and is in someone's possession. Acquiring such residential square meters, you should carefully analyze the title documents, so that in the future you will not face the problem of the appearance of some relatives or children of the former owner.

Selection of options

Fortunately, when the Internet appeared, there were more opportunities to search for any goods. How to buy an apartment without a realtor? In step-by-step instructions, the next step is to select suitable options.

Start with the selection of the area where the buyerwants to live. The future place of residence must meet all the requirements of the buyer, there must be a suitable infrastructure, a transport interchange. Picking up a few options, you can start calling. Ads, both on the Internet and in newspapers, will be from the owners and from realtors.

Look inside

Agree on viewing for the daytime,even if it's a day off. This event is not worth going to alone. First of all, the objective information is perceived if there is someone nearby. When a person, he is more emotional and can take a hasty and wrong decision.

Be sure to evaluate not only the apartment inside,but also the entrance. The house itself should not have cracks. If possible, talk to your neighbors. Walk around the area, see how close the school or preschool, how much time it will take to get to the transport.

When you come to see a second-home apartment, never bring money with you.

If you look around the apartment on the top floor,then notice if there are any streaks on the ceiling and walls. A large number of carpets, especially on the walls, should lead to certain thoughts. The same is true for corner apartments. It is desirable that the house was completely insulated, in extreme cases only the apartment that is purchased. In the apartment on the first floor there should be no smell from the basement.

Inspect the utility rooms, the pipes should be in good condition, the water pressure - strong. Ideally, the house should not be more than 10 years old.

Confirmation of consent to purchase

This step of the step-by-step instruction "How to buy an apartment without a realtor" consists of two actions:

• verification of documents;
• transfer of advance or deposit.

Verification of documents

Verification of title documents shouldbegin with the reconciliation of passport data and information specified in the documents for housing. You can also check legal purity by applying to the local office of Rosreestr. For this, an extract from the register is requested, where information about the owner, current at the date of issue, will be visible. It is recommended to contact the operating organization and ask them also for information on whether there are any debts for public services. If there are any, the larger, then it will significantly reduce the cost of the purchase.

What documents should I request from the owner:

• an extract from the register or a certificate;
• passport;
• a certificate that is prepared before the sale;
• extract from the house book, extended.

Be sure to talk with the owner so that at the time of sale from the dwelling were all written out.

Deposit

The deposit and advance payment are taken into account in calculations forapartment. The size is established by agreement of the parties, depending on the cost of housing. But at the time of transfer of the deposit between the parties, an agreement must already be reached, for what price will be the alienation. From the seller you can get a receipt, conclude a deposit agreement or a preliminary contract of sale, in which to fix the moment of transfer of money and the full value of the transaction.

Contract on deposit when buying secondary apartments is better concluded with full compliance with all the requirements of the Civil Code, namely provide:

• if the seller, after receiving the money, continues to attempt to sell housing, he undertakes to return the deposit in a two-fold amount;
• If the buyer refuses the transaction, the deposit is not refundable.

It will not be superfluous to apply to a notary to confirm the seriousness of the parties' intentions. In a notary office, you can assure a preliminary contract or an agreement on a deposit, or both.

Preparing for the transaction

How to buy an apartment without a realtor? In the step-by-step guide the next stage is the solution of the issue with payment: when it will be conducted, before registration of the transfer of ownership or after. For the buyer, it is more profitable to pay afterregistration of housing rights in Rosreestr; it eliminates the risks associated with the loss of money. The seller wants to receive funds before applying to the registration service, so as not to lose money and housing at the same time. To solve this problem is quite simple - the conclusion of an agreement with the bank on the lease of a banking cell. Naturally, the service is paid, but each side has an additional guarantee, and expenses can be divided in half.

Transaction and transfer of rights

To date, notary completionsuch transactions are not necessary. It is necessary to register in the property rights register the transfer of ownership from the seller to the buyer. Still, it is recommended to use the services of a notary office, especially if the buyer did not previously have such experience. In comparison with real estate prices, the cost of notary services will not seem high. This specialist has a legal background and relevant experience. He can competently draw up a contract, provide for risks, if necessary, confirm the transfer of funds and the legal capacity of individuals who are parties to the transaction.

Registration of the purchase of an apartment by signing a contract is notis limited. Now we have to go to the registration service. For the registration of the right of possession, the presence of both parties is mandatory. It is necessary to submit the following documents:

• documents confirming the identity of both parties to the transaction;
• contract of sale;
• cadastral passport for housing;
• if the seller has children, then a document from the guardianship authorities will be required;
• if the seller and the buyer have a wife, thenneed notarized consent to sell from him, respectively, and to purchase, if housing is not acquired in the common share ownership;
• receipt of payment of state duty.

Before going to the registration department it is better to clarify the full list of documents for buying an apartment.

Transfer of real estate and full settlement

Once the registration of the transfer of ownership has been registered, the seller receives all the money from the banking cell.

The final stage - the transfer of the apartment to the newowner. By the way, the terms of the transfer of the apartment and the terms must necessarily be stipulated in the contract. Often, the contract itself indicates the list of transferred property, it can be furniture, built-in appliances. If the list is large, an act is necessarily drawn up. This document is important for both the buyer and seller. The buyer clearly understands that he will be transferred along with the walls, and the seller - that he will no longer require anything, especially since it is useless. The main thing is not to forget to write down that the parties have no claims to each other.

Registration

In the secondary housing (apartment or house) you can register at the place of arrival immediately after obtaining the ownership.

What to watch out for

Because of the high cost of real estate onthis market a huge number of scammers and unscrupulous sellers who illegally obtain documents for housing, forge them and try to sell the square meters as quickly as possible. Therefore, all documents, both the law establishing and confirming the identity, must be carefully checked. Do not "rush" at a too low price, even -10% of the average market value should be alerted. Perhaps this is not an urgent sale in connection with leaving the country, but simply the seller hides some facts that may affect the transaction.

More nuances and features of buying an apartment:

• To prevent loss of deposit, conclude with the seller a preliminary contract, not allowing him to look for new customers after receiving advance payment.
• Discard the transaction if, instead of the ownerthe authorized person acts, even if the power of attorney is made by all rules. It may be that the person who issued the power of attorney has already "left this light", then the transaction can be easily recognized as invalid.
• Remember that a person staying in places of deprivationfreedom, has the right to share in an apartment, so the house book must be carefully studied, interviewed by neighbors, so that in a few years not to meet on the threshold of his apartment a recidivist who left the prison and has nowhere to live.

In principle, the answer to the question is how selfbuy an apartment, should not arise. Most realtors themselves do not know how to deal with certain situations. This craft can only be learned in practice, but you do not want to be a "guinea pig", and even pay for it. Therefore, if something is not clear, it is better to consult a lawyer. It's necessary to be vigilant and careful when checking documents and making a decision.