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Добре дошли във www.imoti-bulgaria.com arrow Въпроси и отговори

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Често Задавани Въпроси относно пазара на имотите в България


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Принтирай

Какви са стъпките при покупка на ново жилище или нов апартамент?

Все повече хора се насочват към закупуването на собствено жилище като алтернатива на живеенето под наем. В настоящата статия ще се спрем на стъпките, които трябва да направите по пътя до придобиването на собствен дом.

1. Първо трябва да си зададете въпроса дали можете да си го позволите. При условие, че ще купувате на кредит ви е нужна постоянна работа с приличен доход. Също така трябва да помислите дали: С настоящите си доходи ще успявате да се издържате и да плащате ипотека? Имате ли достатъчно пари за първоначалната вноска и всички дължими данъци и комисионни? Ще ви останат ли някакви средства за извънредни ситуации?

2. Ако решите да купувате, след като сте обмислили горните въпроси, следващото, върху което трябва да се спрете, е какво можете да си позволите. Тук определящи са вашите доходи. Можете да отидете в банка за консултация и информация за какъв размер кредит какви са месечните вноски. Няма универсална формула за съотношение между месечната вноска и доходите, като решението в крайна сметка е ваше и трябва да се съобразите с личните си нужди и тези на семейството ви.

3. След като сте преценили колко може да си позволите и съответно с какви средства разполагате, е време да потърсите какво можете да купите с тях на пазара. Можете да се ориентирате по обявите във вестниците, също и по специализираните сайтове, както и да се обърнете към агенции за имоти. Разбира се, техните услуги обикновено струват около 2-3% от крайната цена.

4. След като сте се запознали с пазарните цени и ги съпоставите с вашите средства, можете да се насочите към определени квартали. Обърнете внимание на транспортната осигуреност и близост до главни пътища. Ако имате деца или планирате такива, потърсете училище, важно е и кварталът да е относително сигурен.

5. Набелязвате конкретни жилища според желанията и възможностите си, като следва да направите оглед и инспекция за състояние на имота, както и на сградата. Ако купувате къща, е препоръчително да потърсете услугите на специалист.

6. След като веднъж сте се спрели на даден имот, преговаряйте за цената. Винаги ще намерите нещо, за което можете да се опитате да свалите от първоначалната оферта. А продавачите често поставят цена, от която биха могли да отстъпят, ако се наложи.


7. Осигуряване на ипотечен кредит – в момента конкуренцията при банките за ипотечни кредити е голяма, като има много предложения с различни отстъпки. Не се подвеждайте от рекламите, предлагащи ниска лихва за първата година или даже никаква. В крайна сметка може да се окаже, че плащате много повече за целия период. Винаги четете условията и договора до край, включително и дребния текст.

По въпроса за лихвите някои банки предлагат фиксирана лихва за период 1-3 години, но след това тя става променлива. Някои банки вече предлагат фиксирана лихва за целия период на кредита, обикновено в евро, като лихвата съответно е по-висока.

8. Отделете необходимото време да проверите имота относно собствеността, ипотеки, неуредени задължения за комунални услуги. В противен случай рискувате да имате сериозни проблеми след покупката.

9. След като сте намерили подходящото жилище за вас, споразумели сте се за цената, следва прехвърлянето на имота при нотариус, като таксата обикновено е в процент и варира.

10. След като платите сумата за имота, получавате ключовете и можете да се нанесете в новия си дом.

Доволени ли сте от отговора?   
 

Назад към Въпроси и Отговори

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  • Тема на съобщението
    : спад на цените на жилищата за 2010 г. спрямо 2009 - от
    : marinandreev

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  • Тема на съобщението
    : Климатичната техника не е стандартна битова техник - от
    : ross

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  • Тема на съобщението
    : Как се определя размера на обезщетението по ГО? - от
    : ross

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

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  • Тема на съобщението
    : Почистване на дограма - от
    : ross

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791
  • Тема на съобщението
    : Re
    :Парцел в Пазарджик - от
    : marinandreev

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

    Deprecated: Non-static method SimplePie_Misc::get_element() should not be called statically, assuming $this from incompatible context in /home/imotibu/public_html/modules/mod_jw_srfr/simplepie.inc on line 10791

Strict Standards: Non-static method modules_html::module2() should not be called statically in /home/imotibu/public_html/includes/frontend.php on line 166

Strict Standards: Non-static method modules_html::modoutput_xhtml() should not be called statically in /home/imotibu/public_html/includes/frontend.html.php on line 112

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