Buying a house is the dream of many Italians but pay attention to this information if you don’t want it to turn into a nightmare
When you find the perfect house for your needs and above all at a price that suits your pocket, you might have the instinct to act quickly. However, before signing any agreement or deed, it is important to make sure that everything is in order regarding the house to be purchased.
In fact, there are essential checks that concern the effectiveness ownership of the building and other tax and economic practices to take into consideration. There is a lot of information that you absolutely must have before buying a house if you don’t want to run into serious trouble.
What are the checks to do before buying a house
Once you have found the property you intend to purchase, it is best to contact professionals in the sector, other than the sellers or the real estate agency you have relied on.
There is a lot of information to take before purchasing a home but it can save your finances from a bad deal.
Understand who the real owner or owners are. It may seem pointless to ask who owns the house as it is usually the one who sells it. In reality it is necessary to verify that this is really the case. There they could be heirs That they had no notification of their property in succession as they reside abroad or are distant due to family disagreements. These they have 10 years to request the good to which they are entitled, then you could see ownership of the house taken from the rightful heir and owner. A condition that protects the buyer of the building is that in which the seller of the property is the legitimate owner and usufructuary for at least 20 consecutive years. In this case, even if there were other heirs, the property passes to the seller through adverse possession.
Presence of pending on the property. Before buying a house, make sure there are no: mortgages, foreclosures, seizures. These checks are carried out by the notary who will draw up the deed. He requests these checks and checks that everything is correct.
Urban status of the house. Check that everything is in order regarding building permits. Request the urban planning regularity certificate with relative declaration of conformity of the building And deposit in public registers. So check that it is not an illegal property before buying a house and that the registered cadastral plan is the real one. Residential building permits must always be requested, as must the amnesties carried out, if any, and the certification of usability. This can all be done via a cadastral survey.
Request balance of condominium expenses. If you want to buy an apartment, you have to ask the owner for the balance of condominium expenses. You can also contact the condominium administrator to verify that there are no pending expenses that would fall on you once you purchase the house. Also ask if they are there planned renovation workssuch as, for example, the renovation of the roof or facades. This way you know what expenses you will incur.
Energy rating. Before buying a house it must be provided to you the classification of the energy class of the property. This is mandatory but also important for you in view of the energy efficiency regulations of the coming years.
