You will need
- - housing certificate;
- - target account at the savings Bank;
- - agreement of purchase and sale;
- - registration of the contract of purchase and sale of Federal registration service;
- - a certificate of unencumbered housing
Having received the housing certificate, first open a trust account in the savings Bank for the implementation of HUD (the state housing certificate). Do it for two months (it is a valid term). The Bank will receive a contract for further operations.
Decide the way of implementation of the housing certificate. It can be used in three ways – for the full repayment of the purchase price to Supplement their own funds when buying and as the initial payment in the mortgage loan.
Select the property. Can use the services of real estate agencies who work with the housing certificates.
Agree on a price. Usually, to Finance the deal, Sberbank requested the preliminary contract of sale flats with stating price. Note that if you are going to repay the cost of an apartment using a housing certificate, the transaction will go with the usual encumbrance. In the case where you are adding your own or borrowed funds, it is considered a mortgage and requires an assessment of market value of the apartment.
Sign a contract of sale in establishing the FRS, which employees within 5 days after signing the contract, must issue a certificate of state registration of the agreement. With this report, please contact the Bank and give a written order to transfer money to the seller of the apartment or house.
After transferring the funds meet with the seller and get from him a receipt of receiving of funds from you in full and sign the act of acceptance-transfer of the apartment.
To attach a receipt to the seller to your business in FRS and will get a new certificate with the inscription "the apartment is not encumbered". Then you become a full owner of the property.
Advice 2: How to implement housing certificate
Housing certificate is the document confirming the right to free housing. However, there are several programs that help to obtain and implement the certificate.
First you have to open an account in savings Bank of the Russian Federation. It is on the account, opened in SBRF, and will be transferred funds upon receipt of the state housing certificate. The number of the invoice will notify the structure which will issue a certificate. These actions should be a maximum of two months before receiving it.
Contact the real estate Agency, which works with housing certificates. First you have to find the list. This can be done either online, or upon receipt of the document. Moreover, the certificate can serve for a full or partial repayment of the value of the property or for a down payment. Each area has a separate Agency. When applying please present the original housing certificate.
Choose the one you like and is available under the terms of the housing certificate housing. Definitely negotiate the price. Try to avoid making their own funds, if the certificate requires payment of the full cost.
Be sure to make a contract of purchase and sale of real estate. This contract must be certified in the service of the state registration of real estate transactions. Within five working days you will receive a certificate of state registration of the contract.
Take the registered agreement and contact the office of the savings Bank, which received funds for the implementation of the housing certificate. Write a statement in which specify details of the contract, details of the parties, the place of conclusion of the transaction and require the transfer of funds to the seller of real estate.
Will definitely receive from the seller a receipt that acknowledges the receipt of money. Then sign the act of acceptance-transfer of the apartment.
With the act, a contract of sale and receipt of funds the seller will contact the office of property registration. They should issue you a certificate of ownership of the apartment.
Let the number of the certificate, other details in the service that issued you a housing certificate. Form of reporting may be different. Find out about it on the spot.