Købsprocedure forklaret - 6 steps!

Når du har besluttet dig for en bolig og du er blevet enig om prisen med sælger, vil Lexington Realty hjælpe dig igennem disse 6 steps!

01

Indledende tjek af boligen

02

Finansiering af boligen

03

Reservations kontrakten

04

Praktiske ting

05

Realkreditlån

06

After sales

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01

Indledende tjek af boligen

Det såkaldte “Nota Simple” fra boligregistret vil dokumentere at boligen er fri for gæld, at den retslig tilhører sælger og at beskrivelsen matcher de informationer køber har fået angivet. Lexington Realty vil erhverve dette dokument før reservationskontrakten underskrives.

02

Finansiere boligen med realkreditlån

Hvis du skal købe en bolig i Spanien med realkreditlån, vil den spanske eller danske bank du vælger, bede om adskillige dokumenter. De som har at gøre med boligen, vil Lexington Realty sørger for. Banken vil derefter forhåndsgodkende dig og du kan derefter roligt underskrive reservationskontrakten og betale depositum.

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03

Reservationskontrakten

Until the public deed of purchase is ready is signed it is normal to sign a simple document with the seller in which the seller expresses their intent to transfer the property to the buyer, and the buyer expresses their intent to buy at the price and conditions agreed upon. A reservation deposit is paid ranging from 5 to10%. The typical agreement in Spain (called”contrato de arras) is if the buyer backs out of the contract, they lose the deposit; if the seller backs out, they have to pay double. As this is a private contrat, the buyer and seller may agree on anything g they find reasonable.

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04

A few pratical things
before the purchase

If you don not already have a the so-called NIE numbers (Spanish identification numbers) needed for opening a bank account and finally registering your property Lexington realty will help you get these numbers. Also, we will help you open a bank account for use of transferring the funds to purchase the property and afterward for connection the direct debit bills.

05

The actual mortgage

Once the bank has a copy of the pre-agreement, they will send an appraiser (tasador) to value the property. The bank requires an appraiser to ensure that their loan to you is safe. The bank will only give you a loan equal to a determined percentage of the appraised value of the house the costs are between 300-500 euros.

06

The closing

Lexington Realty after sales service (link), twill make sure that the taxes are paid, that the utility contracts are transferred into your name and connected to your bank account and finally that the property has been registered and the registry office. Read more about the taxes and cost s involved.