Even before the start of official formalities, it is worth taking care of the practical aspects of taking over the apartment. If you buy a flat from the primary market, think about carrying out a professional technical pickup.
The technical acceptance of the property should take place in the presence of a trusted specialist who will assess the condition of the premises. During this inspection, it is crucial to identify all defects, from errors in electrical or hydraulic installations, through moisture problems, to the lack of tightness of windows and doors.
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In the case of apartments from the secondary market, technical pickup will not be so important, although many people prefer to hire a specialist also in the case of buying a used apartment. Here, special attention should be paid to the state of left equipment and readings of media meters. These latter data will be necessary when rewriting contracts with energy, gas and water suppliers.
A copy from the land and mortgage register – document for the future
A copy from the land and mortgage register is an officially confirmed document containing complete information on the legal status of real estate, including data on the owner, possible mortgage loads, debts or established easements. However, getting it immediately after buying a flat does not make sense.
The entry of the new owner in the land and mortgage register takes place only after the court considered the application, which lasts on average from several weeks to several months or even longer (e.g. in the case of Warsaw). Therefore, the copy downloaded immediately after the purchase will continue to contain the data of the previous owner. It makes sense to obtain this document only after receiving the notification of the entry by the court. Then It will be necessary in dealing with banks, offices and when dealing with various formalities related to ownership. Earlier, you should use a purchase and sale agreement in the form of a notarial deed.
Entry in the land and mortgage register and notification with the Office
Although a notarial deed is a legal proof of acquisition of real estate, official confirmation of ownership requires submitting an application for entry in the land and mortgage register. Often, a notary public offers this formalities on behalf of the buyer, which is the most convenient solution. If the purchased apartment is not yet listed in the land and mortgage register register, the owner may set up a new book in the land and mortgage register department of the District Court.
It is also necessary to register the purchase in the relevant commune or city office. This procedure is used to update data on the owner and property tax payer. The legislator appointed only 14 days from the date of signing the notarial deedand failure to meet this period may result in the imposition of financial penalties.
Contact with the Housing Community and the manager
The new owner must also make contact with the building management community or housing cooperative. During this application You should introduce yourself as a current owner, transfer contact details and declare the number of people living in the premises. This last information has a direct impact on the amount of some fees, especially for garbage disposal.
A new resident will receive detailed information on the dates and amount of monthly rent and operational fees from the manager, as well as about the principles of the community.
Tax obligations of the new owner
The purchase of an apartment is associated with two basic tax obligations. The first is a tax on civil law transactions (PCC), which when purchasing real estate from the secondary market is 2 percent. its values. However, the buyer does not have to worry about this tax – The notary public automatically calculates him and pays on behalf of the buyer when preparing a notarial deed.
The second tax is a property tax, paid annually to the Commune or City Office. The amount of this tax depends on the area of the apartment and the rates set by the local administration. The tax obligation arises on the first day of the month following the purchase, so when purchasing in July, the first payment must be regulated in August.
Rewriting media contracts
After dealing with legal formalities, time comes for practical issues, but equally important. Prescription of contracts with media suppliers in the name of the new owner requires the presentation of a contract for the purchase of an apartment and a delivery and acceptance protocol. Readers of the meter from the date of transfer of the premises are the basis for calculating the first electricity, gas and water bills.
It is also worth remembering about cable television or internet suppliers if the new owner plans to continue these services.
Additional steps for full comfort
After completing all compulsory formalities, it is worth taking care of the details that increase comfort and safety. The exchange of castles in the apartment is the basis of a sense of security, and real estate insurance protects against the effects of unforeseen random events.
Getting to know the rules of the housing community, including regulations and renovation plans, and getting acquainted with the immediate area will help in a quick settling in a new place.
The material was created in cooperation with The Morizon Gratka group.
