Overview cost home purchase: price house, real estate, taxes and charges, notary, restructuring
Home purchase costs
Buying a home is the most important expenditure in the life of a person. In case of wrong decisions is difficult to remedy, and the consequences can be dramatic. This premise should lead one to consider its decision at least ten times before confirming the purchase. Once you have found the perfect home you should verify that it is an accessible shopping to your portfolio. The first rule of thumb is not to be mislead by the list price of the home. In addition to the purchase price of the house is joined by other charges and costs very important. Do not take them into account can expose you to nasty surprises at the time of the deed. Let's see what are the added expense of purchasing a home.
Real estate agency
If you have turned to a real estate agent you will have to take into account the agency's fee. It is generally a percentage of the value of the home, so the more you are buying a property value, the higher will be the reward for the real estate agency. Another common mistake is to do little attention if the fee specified in the contract is VAT included or excluded. In the latter case for the actual expense you will have to increase the fee for the agency by twenty percent.
The cost for the notary
The transfer of ownership of the property is a deed. Whoever buys the property must also take into account the fee of the notary. From 2000 euro up.
Taxes and duties
The sale of a property is subject to taxation. You will need to take into account also the taxes on the property purchase.
Maintenance work
Every building needs maintenance before being habitable. Even if the property seems in good condition you will have to take into account at least 2-3 thousand euro of expenditure (painting, lighting, boiler control, etc.). The cost increases considerably if the property is to be restored.
Removals
And 'the last spending' hidden 'to consider. With the help of some friends and the daily rental of a van you can make yourself the removal of the furniture in the new house without spending too much. But not always have the time available to make many trips and the ability to carry bulky furniture. It should therefore be put into account the expense of 1-2 thousand euro to a firm that specializes in the removal and transport. Once packed everything in 24 hours the carrier shall transport your furniture from the old house to the new.
In conclusion, considering all the costs and burdens described above, the list price of the home must be added at least a 10% increase in spending. Many families find themselves in trouble especially for not well calculated the burden of purchase. Know before these costs can also help in deciding the amount of the loan to be turned on to cover all the expenses.
20/12/2008
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Translated via software
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Source:
Italian version of CercaGeometra.it