List of possible expenses
All costs that arise when registering housing ownership are divided into several types:
- Expenses that cannot be avoided (for example, state fees for registering a transaction);
- Costs for preparation and certification of documents by a notary;
- Payment for the services of a lawyer and real estate agents;
- Costs for obtaining the necessary extracts and certificates.
Thus, the price of the procedure will depend on whether transaction support is required, whether a professional assessment of the object is needed, and what extracts will have to be applied for. Each service has its own tariffs, which you need to familiarize yourself with before purchasing.
Re-registration of an apartment - step-by-step instructions
- Consent to inheritance. The heirs must contact a notary within six months and write a consent or refusal to receive the property. If a citizen does not do this, then after 6 months from the date of opening of the inheritance/will, the person loses the right to re-register the property.
- Collection of documents necessary for the inheritance procedure. More on them a little later.
- Registration of the transaction with a notary.
- Applying to Rosreestr to obtain a certificate of rights to an apartment.
- a will (usually the notary already has it);
- death certificate of a citizen;
- written consent to enter into inheritance;
- real estate cadastral passport;
- an extract from the Unified State Register (not always, but it’s better to bring it);
- heir's passport;
- documents of relationship with the deceased (if available);
- papers indicating the deceased's ownership of real estate.
We recommend reading: Group 3 working disability
Registration of the agreement in Rosreestr
Expert opinion
Stanislav Ershov
Qualified lawyer. Ready to answer any of your questions! Ask them right now!
Write to an expert
After concluding a purchase and sale transaction, it must be certified by the Registration Chamber. The cost of state duty for individuals is 2,000 rubles. With the shared option of purchasing housing, the fee is paid by each shareholder.
You can submit the package of documents required for registration directly to Rosreestr or to the MFC. Almost all services of multifunctional centers are provided free of charge, so there will be no additional expenses.
Rent
- details of the seller, buyer;
- information about the apartment: address, location in the house, area, number of rooms;
- transaction price;
- payment method (cash, non-cash);
- payment method (one-time payment, installments);
- conditions for re-registration of ownership (after payment of the entire amount, after the first installment);
- rights, obligations of the parties to the contract;
- liability for breach of contract;
- additional conditions.
For an apartment owner re-registering rights under a purchase and sale or exchange agreement, it is important to remember about mandatory payments to the state budget. Income tax is 13% on the amount received. However, this rule does not apply if:
What services does a notary provide?
It is not always necessary to turn to the services of a notary. In accordance with Russian legislation, notarization of an agreement is required in the following cases:
- When selling living space, which is common shared property.
- If the owner is an incapacitated or minor citizen.
In other situations, there is no need to visit a notary's office. But many buyers who want to ensure the safety of the procedure still go to a notary . The range of his powers and responsibilities is quite wide. Thus, in relation to housing transactions, notaries perform the following functions:
- They study the documents of the buyer and seller. Particular attention is paid to verifying their authenticity;
- Participate in the preparation of the texts of the preliminary contract and the main agreement;
- Confirm the legality of what is happening;
- Draw up powers of attorney for representatives of the parties;
- Certify the consent of the husband or wife to conduct the transaction;
- Confirm the fact of the sanity of the parties to the transaction;
- They work with extracts that contain information about all registered persons.
Prices for the services of notary offices are established in Article 333.24 of the Tax Code . Thus, certification of a real estate purchase and sale agreement will cost half a percent (0.5%) of the transaction amount. In this case, the duty cannot be less than 300 rubles. and more than 20,000 rubles.
For drawing up the text of the contract, the notary will charge about 2,000 rubles. A power of attorney, depending on its type (one-time, general, special) will cost from 600 to 2,000 rubles. If you need to use a notary's deposit, you will have to pay 0.5% of the amount deposited on it.
In some cases, citizens are entitled to benefits. For example, disabled people of groups I and II pay only 50% of the cost of notary services (Article 333.38 of the Tax Code of the Russian Federation).
What should you consider when calculating the price?
- 1% of the transaction value for non-cash bank transfer.
- From 2,000 to 15,000 rubles when opening a letter of credit account. The exact amount depends on bank rates.
- From 2,000 rubles for using a safe deposit box.
- The notary's office deposit is 0.5% of the amount, but not less than 1000 rubles.
Costs of settlements with the buyer
- Drawing up a draft agreement - from 4,000 to 11,000 rubles. Each region has its own prices. For example, residents of St. Petersburg will need to pay from 6 to 8 thousand rubles.
- Transaction certificate . The amount of expenses is determined by paragraph 1 of Article 22.1 of the “Fundamentals of the Legislation of the Russian Federation on Notaries” dated February 11, 1993 No. 4462-1. The size of the payment depends on the relationship between the buyer and seller, as well as the total cost of the property.
Real estate agencies and private realtors are primarily involved in finding buyers and sellers for various properties. In addition, their specialists often accompany the transaction, cutting off outright scammers. They cannot completely replace an experienced lawyer, but in any case they do some part of the work. With the help of a real estate agency or realtor, you can seriously speed up the transaction and make it less risky.
In addition, if payment is made by bank transfer, it is quite possible that the bank will take some kind of commission for transferring money. It’s small, but it’s still worth considering this possibility. It is impossible to indicate specific figures in this case, since everything depends on the chosen financial institution.
Bank expenses
The second cost item is notary services. Nowadays, mandatory certification of an apartment purchase and sale agreement is no longer required, but this point quite seriously increases the reliability of the transaction and reduces possible risks to a minimum. In addition, despite the abundance of sample contracts, many clients prefer to order a sales contract from a notary, which also makes sense, so as not to accidentally forget or violate anything.
A significant advantage of a gift agreement is the absence of taxes , but there are a number of disadvantages that do not allow this method to be called ideal. A gift agreement is a gratuitous transaction. According to the law, the receiving party does not in any way compensate the opposite party for property received as a gift. This threatens to make it much easier for such agreements to be invalidated and the deal to be annulled.
You may be interested ==> Maternity payments in 2021 for 3 children amount
In most transactions, people prefer to entrust the paperwork to specialized agencies and realtors. They usually take some percentage of a successful transaction. It may vary depending on the complexity of the transaction and the timing of the procedure. The average price on the Russian market is 2 percent of a successful service. In other words - material benefits for the client.
Re-registration of an apartment: types of transactions, cost
Re-registration of an apartment to another owner is a complex procedure that takes a lot of time and requires deep involvement in the subject. Nowadays, it is very easy to become a victim of deceivers when dealing with any real estate transaction. Without basic knowledge in this area, it is better not to start the process, otherwise your property will be at risk.
- heir's passport;
- testator's passport;
- original will;
- certificate of ownership in the name of the testator;
- extract from the Unified State Register of Real Estate.
- Presents documents to the notary.
Real estate transactions require special attention, since such property has a fairly high cost. Also an exciting issue for the recipient of housing is the correspondence of the apartment. Today we will talk about how and when an apartment is re-registered to another owner.
Grounds for re-registration of property
For an apartment owner re-registering rights under a purchase and sale or exchange agreement, it is important to remember about mandatory payments to the state budget. Income tax is 13% on the amount received. However, this rule does not apply if:
To transfer an apartment to another person, a citizen must be its legal owner. The right of ownership is defined at the legislative level, allowing citizens of the Russian Federation not only to own property, but also to dispose of it. As an owner, a person can sell an object, donate it, exchange it, or bequeath it. That is, property can be transferred to any person (individual or legal) in any convenient way.
Possible costs for realtors
Another cost issue is the services of real estate companies. The client can order only a document verification from the real estate agency or entrust the realtors with the entire process of purchasing an apartment. The last option is chosen by people who do not have time to act on their own. It is believed that specialists will find a suitable apartment much faster.
The costs of realtor services in Moscow, St. Petersburg and other Russian regions can vary greatly, because they largely depend on the cost of housing. Some realtors charge a fixed amount for their services, which starts from 20,000 rubles. But more often the amount of remuneration is determined as a percentage.
On average, you have to pay from 1 to 3% for the help of a professional, and these costs fall on the buyer: the price is simply included in the cost of the home.
Approximately how much will it cost to refurbish an apartment?
Recently, transactions using safe deposit boxes have become especially popular. This greatly increases the reliability of agreements and eliminates most of the problems associated with deceiving each other. A safe deposit box for a month costs about 2-3 thousand rubles.
- How much does it cost to re-register documents for an apartment?
- How much does it cost to re-register an apartment with a notary?
- How much does it cost to register an apartment with a notary?
At the same time, of all the directions, this is the most expensive. On average, a real estate agency (real estate agency) or a private realtor charges from 2 to 5% of the cost of the apartment for their services.
Banking expenses (read more...)
Purchasing housing with a mortgage
Those who purchase an apartment with borrowed funds will also have to spend money. First of all, an assessment of the object will be required. The services of professional appraisers cost 2,000-3,000 rubles, and if the apartment is located in a remote area, the price can rise to 6,000 rubles.
Insurance of purchased property costs from RUB 3,000. in year. The price is affected by the mortgage amount and the characteristics of the property. For example, when purchasing a property under construction from a developer, the cost increases.
Life and health insurance is considered voluntary. But since having such a policy helps reduce the interest rate, many people prefer to take out insurance. For this service you will have to pay from 2,500 rubles. in year.
The director of the secondary real estate office of Est-a-Tet, Yulia Dymova, answers:
Your parents can give you this apartment. In this case, you do not need to pay tax, because you are the donee and a close relative. In case of sale, the apartment can be re-registered only for the amount for which it was purchased; otherwise you will have to pay tax. Tax deductions (income tax refunds) are not provided for transactions between related parties.
Can a non-working pensioner receive a tax deduction?
Is it possible to register in an apartment owned by a foreigner?
Costs when purchasing a new building
Expert opinion
Stanislav Ershov
Qualified lawyer. Ready to answer any of your questions! Ask them right now!
Write to an expert
Buyers looking to move into a new home may have other costs to pay. For example, after commissioning a house, it turns out that the actual area of the apartment differs from the previously stated design area. If it turns out to be less, the builders return the overpaid money to the client. If excess living space is discovered, the buyer makes an additional payment for each square meter.
Prepayment for utilities may also be required. Sometimes in contracts there is a condition that the client must pay a certain amount for housing and communal services even before moving in. This is done so that before the residents move in, the management company does not have debts to resource suppliers.
But providing the facility free from the obligations of third parties is the responsibility of the construction company, and not its right. Therefore, the developer cannot demand money for checking the legal purity of the transaction.
other expenses
When planning your budget, you need to provide a certain amount for other expenses that arise during the purchasing process. For example, money may be needed in the following cases:
- Costs of settlements with the seller . Some people transfer funds in cash to save money. But if you want to play it safe, it’s better to rent a safe deposit box at a bank. This service costs from 2,000 to 5,000 rubles. depending on the institution and the period of storage of money. Another reliable way is to open a bank letter of credit. You will have to pay from 0.1 to 0.2% for the service.
- Payment for the services of organizations providing extracts and certificates. Thus, an archival extract from the house register, which allows you to verify that there are no registered residents, costs from 1,000 to 3,000 rubles. Certificates from narcology and a mental health clinic confirming the legal capacity of the participant in the transaction will cost 1,000-3,500 rubles.
- Often there is a need to obtain a cadastral passport. Its price starts from 2,000 rubles.
- The most important stage when buying an apartment is checking it for legal purity. You can order the service either from a real estate agency or from a law office. The price depends on the complexity and volume of work: an inspection can cost either 5,000 rubles or 15,000 rubles.
Thus, the cost of registration when buying an apartment depends on various factors. If you do not resort to the services of intermediaries, it can be significantly reduced. But purchasing a home is a process fraught with serious risks, and you shouldn’t skimp on safety.
[author_bq]
Who pays?
Note: in addition, the seller needs to obtain a certificate of absence of debts for housing and communal services from the management company or homeowners association. The costs will be about 200 rubles. An extract from the house register is also prepared there to confirm the absence of registered citizens in the apartment being sold.
Additional expenses
If the purchase and sale agreement (hereinafter referred to as the PSA) does not need to be certified by a notary, and the payment is made in cash or by bank transfer, there is only one expense - payment of the state fee for registering the transfer of ownership. 2,000 rub. The buyer is an individual, 22,000 is paid by an organization.
The MFC service for registering a transaction with residential premises is free, but this does not mean that in this way it will be possible to avoid expenses. The cost of drawing up a purchase and sale agreement depends on what expenses are required for certain actions (ordering documents, paying for the services of specialists and organizations).
Therefore, when the parties to a transaction draw up an agreement, they must be very careful and be sure to take into account the norms of current legislation. There is no unified form of the document, but certain requirements are imposed on its content. The contract must reflect:
You might be interested ==> What do they give for 3 children in 2021 in Volzhsky
Registration of real estate purchase and sale agreement
The deadlines for registering an apartment purchase and sale agreement are determined by Federal Law No. 218-FZ dated July 13, 2015, which regulates the state registration of real estate. How long a transaction is registered depends on where the documents were filed and what the nature of the registration actions is.
Important! In 2013, the preparation of the privatization protocol was cancelled. Previously, both parties contributed an equal amount to pay the tax. In 2021, from February 1, a tax for registering a purchase and sale agreement will apply.