How can acquisition-related ancillary costs be reduced?

  • Erstellt am 2014-05-25 11:13:20

abraxa

2014-05-25 11:13:20
  • #1
Hello,

what options are there to reduce the ancillary purchase costs? Notary and property transfer tax quickly amount to 15-20 thousand euros when buying a little house.

Is it actually possible to buy a house without a priority notice of conveyance? Does the notary even do that?

In the property I want to buy, there are still several installations and a full oil tank included. I could buy these things from the seller in a "private written" contract, right?

I would be very grateful for any suggestions...
 

emer

2014-05-25 11:42:23
  • #2
In addition to the notary fees for the purchase, there are notary fees for the registration of the [Grundschuld] in the land register. Provided you have to pay for the house with money from a bank. The costs depend on the loan amount.

... To initially push your calculation further upwards :)

You cannot save anything in this case. Taxes are fixed. The notary has legal requirements for their fee. So there is no room for negotiation there.
These costs can only be reduced by higher equity.

What kind of fittings are those?
Furniture and such stuff do not directly belong to the house. If the seller has previously included these prices in the sale price of the house, he should quickly deduct them again and sell them separately from the house. However, you will have to pay for them from your equity, as the bank does not finance that.
 

klblb

2014-05-25 19:46:07
  • #3
Thought experiment: How many percent below market value could one sell without it looking like a gift or something similar?
 

Kisska86

2014-05-25 19:52:28
  • #4
If a land charge is already registered in the land register and you happen to finance with the same bank, then you can save yourself the new registration and take over the existing land charge. Depending on the amount, save a few hundred euros. Notaries don't like it so much and blame the banks.... ;) But it works!!!
 

ypg

2014-05-25 21:43:36
  • #5
When we bought, the kitchen could be deducted. It was only 2 years old, the invoice was high, so after depreciation over 10 years, about 8/10 (4/5) of the kitchen price was waived from the property acquisition tax.

When we sold, the kitchen was no longer acceptable for the buyer (too old), but nevertheless, awning, garden house, curtain rods, and "built-in cupboards" were listed by me and accordingly included in the purchase contract.

One should just not overdo it... then there will be an audit.
 

Similar topics
08.01.2015How is the amount of the land charge determined in the case of a new construction?14
16.02.2015Property purchased - Is financing/loan for house possible?13
11.06.2015Triple entry in the land register27
18.08.2015Land charge problem with partial areas for financing11
05.01.2017Notary costs too high? Notary fees, mortgage, property costs12
23.01.2017Questions about the calculation of equity / assessment of incidental purchase costs11
06.04.2017Building a house without equity?55
30.08.2017Land charge - Separate financing for land and house12
22.06.2018Register a land charge and increase/change it later?25
24.10.2018Decision aid: special repayment or saving equity for a single-family house?23
11.10.2020Financing land and house? Taking out a mortgage? Construction costs?151
18.04.2019Buy a second property - on existing mortgage25
02.12.2019Ground charge ordering - notary contract, ground charge...28
13.01.2020Notary fees, land registry, property purchase13
24.01.2020When to use equity?41
20.01.2020Transfer of old, non-assignable mortgage charge12
05.03.20201% repayment. Which banks? Requirements? Free land charge34
13.08.2020Land charge, how high is it?18
06.05.2024Financial planning for new construction with good income and little equity81

Oben