Many people would like to buy an apartment in a new house. Modern buildings seduce a variety of architecture, a good location of spacious rooms and kitchens. But how correctly in a new building and, having paid for it the considerable sum, not to remain "with a nose"?
How to choose a new building1. Location and infrastructure. Important accessibility to the benefits of civilization (shopping and health care facilities, preschool and educational institutions). The area also affects the cost of housing: expensive houses are built in the center of the city, on the outskirts most often cheap real estate is offered.
2. Characteristics of housing. It is necessary to navigate in advance with the floor of its location, the number of rooms, the number of square meters of kitchen, combination or separate state of sanitary facilities.
Basic schemes for buying an apartment in a new buildingFor investment in primary real estate most often used such methods:
1. A Participation Agreement (DDU), signed on the basis of 214-FZ. This type of agreement is registered in the USRR, which protects the investor from the 2 nd sale of the apartment, and in case of bankruptcy of the developer guarantees the fulfillment of the shareholder’s claims.
3. The contract of savings in the housing cooperative. With this option, the HBC of the intended residents of the house.They subsequently buy their square meters by paying a share. This agreement is not subject to registration. A dwelling acquired through the HBC will be cheaper, but not all banks agree to give the go-ahead for its construction.
How to buy an apartment by assignmentUnder the contract of assignment of rights of claim (cession) signed by individuals. The co-seller is a seller in tandem who decides to sell the apartment being created before he has to join the rights to the apartment. Such an agreement can be signed with the indispensable notification of the developer about the conspiracy and the further state registration of the new agreement.
In case of such resale, the law does not oblige the seller to pay the full amount for the future apartment: the new owner will pay in addition. Along with this, in the contract of assignment of the right of claim it is prescribed what balance of debt he should pay, in what shares and at what intervals.
How to check the developer1. You need to know the real legal name of the developer. To get acquainted with the activities of the organization is easy for reviews on forums and social networks. Here they will tell you how many objects are in her account, what quality and if there were any complaints.
3. The same will clarify the portal of the Federal Bailiff Service.
Types of fraud when buying an apartment in a new buildingTo protect themselves from the occurrence of trouble, share holders should be aware of various unseemly actions of developers seeking to “cheat” their investors.
The list is leading unfinished. Deliberately delaying the construction of houses the company used to "scroll" money in the bank and extract considerable profits. And subsequently, such developers are forced co-investors to make an additional charge for the allegedly more expensive housing because of the increased prices for building materials.
"Additional agreements" also from the category of fraud, adopted by unscrupulous developers. This method allows you to adjust the price of housing and extend countless times the period of delivery of the building.
Another fraud scheme is carried out by the developer by concluding a sale and purchase agreement with the investor, but only if the consumer purchases additional services from the construction company.The list includes, for example, insurance of invented risks, obtaining a permit for registration of documentation by the company. And to pay for these "services" you need incomparably more than stated in the real estate market. Sometimes the price is 60% of the amount of payment for an apartment.