Real estate news

Going to the notary to buy a house is the crowning achievement of a dream. After weeks, for many people - after months - since the search for a house to buy began, finally the fateful day of the notary arrived. Someone lives this day as an authentic event. Permission from work for all the formalities of the case, the party dress, half an hour in advance on the scheduled time not to make a bad impression with the notary. Their excited faces, the joy of young couples at the first purchase, the proud look of those who - after many years of rent - can finally exclaim of "having made it", represent the essence of the work of the mediator.

Unfortunately, not for all this day row smoothly running smoothly. It happens when the last unpleasant surprises are discovered, maybe just as long as you are there, sitting around the notary's desk. It happens when an important document is forgotten that day, and it's time to postpone everything. I'm honest: a few years ago it also happened within my real estate agencies. It is one of the reasons that led me to concentrate solely on a single agency, that of Monselice. Now for our customers, there is a reference figure that organizes from A to Z one of the most important days of their lives, which must run smoothly, avoiding bad surprises and lived without the fear of having forgotten something.

But what is there really to know when it comes to "going to the notary"? What are the tips to follow to live without stress such an important day? I have compiled a list of 5 suggestions, useful above all for those customers who "from the notary is the first time". Let's see what it is.

1) The notary, who chooses?

The choice of the notary is usually up to the purchaser. Unless otherwise agreed between the parties, it is in fact the buyer to pay all incidental expenses related to the notary practice for the heading of the property. This concept should not be confused with the costs of provision of any agency that has been the intermediary of the sale, which must be paid by both the seller and the buyer. Is a notary firm worth the other? Nì! Taking for granted the qualities of seriousness, impartiality and technical preparation of these professionals, we must pay attention to the quality of the service provided. Let me explain better, to avoid misunderstanding even among the many notaries who follow us. The quality of the service perceived is

determined by the client's subjective characteristics and predispositions. The notary pignolo, specify, formal that pleases me, you could instill a certain distrust, and vice versa.

The advice is to choose it based on its willingness to respond in advance to your doubts and perplexities, to do it in a clear manner, with simple terms and understandable even for a customer to the first experience in real estate. The only criterion on which I would never base my choice is the one concerning the price. Being within understandable limits, I would never choose the one from the lower cost or the one that promises me a discount for having me as a customer: are we sure that, besides the price, it has not cut any service, ergo, some control?

2) Methods of payment of the price

There are two payment systems for the price recommended at the time of the notarial deed: the bank draft or the bank transfer. The seller, the notary himself, could refuse to proceed with the purchase, if the buyer is presented with a simple bank check block. The check is not a secure payment, it is not for an act where the property of the property is permanently transferred.

I will not dwell on the why of the matter, and on the risks that the owner runs by receiving a simple bank check for the final sale of his property, but the very advice for the buyer is to go to the bank the day before with the exact amount of the circular allowance to be prepared, surname and name of the seller, so that it is prepared in advance. Better then the bank draft of the transfer? If the seller is absolutely indifferent, it is absolutely better for you. If the seller had to go crazy that day, and no longer sign the final sale, the balance of the price will still be in your hands, and not already anticipated the day before with the transfer made. You recover it, for heaven's sake, but you know what a trafila!

3) What documents to bring?

Valid identity document. It seems silly but I have already had to send customers in a hurry in the City to renew the identity card because expired. It can happen, for heaven's sake. But a control of the documents would be better always done a few days in advance.

Document attesting the marital status. Are you single, single, married, divorced? For the purposes of the sale changes a lot. This is why notaries require a verification of your marital status.

You will not have to check the opening hours of your municipal registry at the last minute! The rest of the documents will be formality of the seller or agency that is following you. But a phone call to the notary the day before to find out if it's all right, I would do it anyway. Remember that the seller will have to provide you with an original copy of the energy performance certificate and, if it is a condominium, the certification of the administrator on the balance of the condominium expenses. 4) The keys The delivery of the keys, even more than the signature of the notarial deed, symbolizes the successful transfer of the property from the seller to the new owner. There is no rule that determines how many copies of keys the buyer should receive. Common sense would say that all the locks of the building must be delivered (including the mailbox). The rule of common sense sometimes clashes with the reality of events, where, for one reason or another, something is missing or not sure that those received are all copies made over the years. Advice? An immediate investment to change all locks, one copy for each family member of all keys, one hidden somewhere in an emergency, and a reminder listing all the house keys! Be careful when the seller asks you a few days to clear the last things from the building. No worries, it is a rather common practice. It is sufficient to determine it in advance, and to insert within the deed a clause concerning the deferred possession of the property: beyond the agreed date, an economic penalty will be issued for the seller, for each day of delay in delivery. 5) At the end ... After the sale, you are finally "publicly" owner of your new home. The last task will be to pay the notary's bill. If the estimate has been made "documents in hand" you will not have any surprise (for this reason the advice is not to go around the notaries at the beginning, without a shred of documents of the house to buy). The notary will hand you a document certifying "the successful conclusion". It is an official document that you can use, for example, for the transfer of domestic users. It is not the original copy of the act, for that you will have to wait about a couple of months, the time needed by the notary to register it and write it down. Then ... a ride to the bar to toast, a quick ride home for the first souvenir photo from the house, the celebrations for a dream come true!