More and more often it becomes so that buying a house abroad is much easier and cheaper than in modern Russia. One of these countries includes Finland. Real estate in Finland will allow you not only to enjoy the dimension of European life, to plunge into the world of beautiful nature and unforgettable landscapes, but also will give the opportunity to receive a multiple Schengen visa. And the small distance between the two countries will allow owners of housing to get from one place of residence to another with any type of transport.
1
To buy housing in Finland, contact the real estate agency that has a special license. Enclose an agreement with the Agency, in which we write all the basic requirements for the transaction object. In the real estate market of Finland, the purchase of a new apartment is different from the process of acquiring secondary housing.
2
Require the seller of the new apartment full information not only about the apartment itself, but also about all the services provided in the area. The seller of the apartment in the old house should provide you with complete information about flaws in its equipment, equipping and condition of the apartment. Be sure to carefully inspect the object of the upcoming transaction before the conclusion of the contract for the purchase.
3
To prevent the sale opportunity to sell at home to another buyer - give the seller a deposit. The amount of the deposit in Finland is set up in the amount of 4% of the total cost of purchased housing. If you decide to abandon the transaction, this amount will not return to your account. Almost all monetary operations in this country are carried out through the bank. To open an account in a local bank office convenient for you, provide a passport bank employee and write the appropriate statement. After opening an account, follow its condition. In case of education on it, a minus balance you can get a fine.
4
If your personal funds are enough for the purchase of housing - make out the contract. Sign this agreement only in the presence of a notary. For providing this service, notary will take a fee of about 100 euros. For the design of the entire transaction will take about two weeks. After this period, pay the land tax and take all documents to the Geodesy Institute and Cartography, which will finally register your transaction.
5
If your personal money is missing for the purchase of a house - make a mortgage. To arrange it, provide a certificate of income to the bank, a preliminary contract for the acquisition of housing and passport. A prerequisite for making mortgages in Finland is the size of your earnings - it should exceed the amount of payment in two-time. Mortgage can be issued for an amount not exceeding 70% of the total cost of the house, the remaining 30% should be in your bank account. The term of mortgage lending from 15 to 30 years, the annual percentage is 4-8%.
Following these simple rules, you can quickly and without any problems to acquire a charming house in Finland and get real pleasure from accommodation in one of the most picturesque places in Europe.
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