Purchase of owner-occupied condominium - financing process

  • Erstellt am 2021-09-23 11:48:11

Tinterho

2021-09-23 18:45:04
  • #1


I have to check the minutes of the owners' meetings for that. I suspect there is a maintenance reserve, but I’m not sure. If it exists, would I have to 'trigger it' as well, meaning buy it proportionally?



I summarized it a bit in the initial post: The current owner used to have a construction company and built the house himself. Over the years, he sold some of the other apartments bit by bit. These are owner-occupied. Of the 8 units, only two apartments are still rented out - mine and one other. Both are supposed to be sold in December.



Ok, I will discuss that with him. I assume the garage and the parking space need to be taxed as well? Presumably, you cannot exclude them from the taxable base?



What would such proof be? Would a bank statement, for example, suffice, or do I need a certificate directly from the tax office?

Thanks and best regards,
Tinterho
 

User0815

2021-09-23 19:16:14
  • #2


After you have paid, the tax office sends the so-called certificate of no objection directly to the notary, who must also forward this certificate to the land registry office.
 

ypg

2021-09-23 22:51:27
  • #3
That may be convenient that the seller has his own notary, but you have the right to choose the notary freely. This right has its reasons! What is the advisor supposed to advise on? How about a building surveyor. Good tip! All “land” must be taxed. Everything you can loosen with screws and shake out upside down from the apartment can be deducted (no fittings ;), rather furniture)
 

DaSch17

2021-09-23 23:21:39
  • #4
The certificate of no objection must be applied for at the tax office, right? It is easier to send proof of payment (e.g., from online banking) directly to the notary. They then obtain the certificate of no objection from the tax office. Only then can the ownership transfer be recorded at the land registry office. But it’s best to ask your notary about this!
 

DaSch17

2021-09-23 23:28:51
  • #5


No. The maintenance reserve is usually included in the purchase price. At least, that is the common practice.

There must even be an asset statement of the owners' association showing the amount of the maintenance reserve. In that context, I would definitely also ask for the service charge statements of the last 3 years and the current budget. :)



Word.
 

User0815

2021-09-23 23:32:41
  • #6


The tax office receives a copy of the purchase contract from the notary with a request to issue the certificate of no objections, calculates the real estate transfer tax based on the purchase price stated there, and invoices it to the buyer. After payment is received by the tax office, the tax office sends the certificate of no objections to the notarizing notary.
 

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