How to protect yourself when buying an apartment

Buying an apartment - expensive goods - a risky event. When it comes to large sums of money, the risk of colling with fraud. Responsible and legally "tarted" buyer has great chances of a successful deal.

Buying an apartment in a new building, choose the company-seller, already well proven yourself. Such a firm cooperates with the developer and has the authority for the sale of new buildings. The reputation of the organization can be judged by customer reviews in the media, in particular - on the Internet. Involimally, the presence of an informative site. Turning to an unknown company, you can be deceived by buying a non-existent apartment or the one that has already been sold to other buyers.

When buying an apartment in the secondary housing market of difficulties, it arises more. First of all, you need to make sure that the seller of the apartment is its owner. If this is an intermediary, then it must have a notarized power of attorney on the transaction with the apartment. Important: If the apartment is sold by proxy after the death of the owner, then such a transaction is invalid.

Typically, the design of the sale of purchase and sale begins with the conclusion of an advance agreement. The buyer pays for the seller of the apartment the agreed amount - an advance. Such a contract is a kind of guarantee for the seller, that the buyer does not change his mind, and the seller can proceed to the collection of documents for the transaction. For the buyer, this is, in turn, the guarantee that the apartment will be sold to him. Although fraud is found at this stage, when the seller managed to get a few advance payments from different buyers. There are "black lists" identified fraudsters.

Then the stage begins when the seller prepares documents for sale. The buyer at this time should check the legal "cleanliness" of the apartment, to find out if there was no reason to recognize the purchase and sale of an apartment in invalid as a result of infringement of owners' rights. The most common cases are the infringement of the rights of minors when selling apartments or privatization, the sale of an apartment, when one of the owners is in military service or in places of imprisonment.

The next difficult stage is the signing of the contract of sale and money transfer to the seller. A reliable way to lose both the apartment and the money at the same time - renting a bank cell for payment. At the time of signing the contract, the buyer in the presence of a bank employee lays money into a cell. The key is stored in the bank. After registering the ownership of the new buyer, the Seller can pick up money from the cell.

It is also necessary to receive documents from the seller, confirming the statement of all previously living in the apartment and the lack of debt on utility payments.

A good way to minimize the departments to buy a minimum is to contact the real estate agency, whose employees will fulfill all the necessary checks and will help make a deal. However, this does not eliminate the buyer from independent verification of all documents.