So, you buy the house in Austria
Purchase of the real estate in Austria seems very seductive even for foreigners, and all thanks to very low interest rates. In most cases, leasing housing, you can cover payments for the credit to redeem the house.
But properly think before make up the mind to this step: if you purchase the real estate here, most likely, you will already not leave it. In Austria transaction costs for purchase and sale usually make 10% and more. So if you decide to purchase, for example, the apartment in other area, then it will be not so easy and can be costly.
Good news to residents of the EU: now it is far easier for foreigners to purchase the house in Austria, than it was earlier. Till rather recent time only the Austrians could purchase housing in this country without need to receive tons of special permissions. However the legislation of the EU of 2006 demands from member countries to grant to citizens of all states of the EU the identical rights now.
Bad news to those who have no passport of the EU: citizens of other countries shall get special permission from the area where you would like to lodge before you are able to purchase the real estate there. You should pass through labor-intensive process of consideration of your candidate by the special commission that will borrow from four to six months.
In the most part of Austria you can purchase the real estate as your second (not main) residence. However it does not belong to some border areas, like Burgenland and Forarlberg. Here you will need to be registered in local authorities, and the property shall become your main residence. It is made in order to avoid influx of cross-border inhabitants. Owners of secondary housing are exempted from the majority of municipal taxes.
Thus, the first step upon purchase of housing in Austria – the choice of the place as depends on it what rules and restrictions will be imposed.
As soon as you chose arrangement, you need to solve whether you will be engaged in purchase personally or through the real estate agent.
Following step: to organize financing. There is nothing worse, than to find the house of the dream and to lose it as you could not collect the necessary amount quickly enough. The Austrian banks can finance up to 70% of cost of purchase for foreigners; for the Austrians the amount increases to 90% under some conditions therefore here after all there is a discrimination at financial level.
Here be very careful: the Austrian bankers, as well as their colleagues in the majority of other countries, can not disclose you all significant information. They can carelessly promise you financing, and then cancel it as your arrangement shall be terminated for the reasons about which you for the first time hear. Besides, bankers can change at the last moment conditions (for example: 2% additional percent on a percentage savka, 50% of financing instead of 75% and so on).
In rules of crediting there is a set of holes which allow bankers to change conditions of your crediting on the whim.
Therefore be convinced that you have a written arrangement on financing. Bankers can resist it as they prefer to make offer depending on what property you purchase. Due to the whims of credit process, it is quite reasonable to have two offers from various financial institutions. If the first suddenly begins to fluctuate, you will be able always to resort to alternative option or even if you have rather strong nerves, to cope with both so that to benefit from this.
If you are engaged in purchase personally, you need to study well the market in that zone at which you aimed. For example, the apartment in Vienna will be to you far more expensive, than the apartment in any other Austrian city as in the capital of the price is three times higher, than in suburbs and even in the majority of the cities.
The good real estate agent can save to you a lot of time as he or she will excellently understand local market and will be aware of what objects were and appear in the market.
If you the busy person and at you are limited knowledge in German, then the real estate agent can become this rescue. Specialists of the AWAY REALTY company are ready to consult you by phone number +7 (495) 258-88-66 and to help you at each stage of the transaction, beginning from selection of an object, finishing with post-sale management.
The most serious problems about which, you should worry when choosing an object is latent defects in designs or local laws on reconstruction and zoning. If you break the adopted laws, then the tough system will oblige you to payment of huge penalties. If you purchase the historical house protected by the law, then you can forget about any renovation, expansion or about new panoramic windows at once.
And it results us in the following difficulty: renovations in this country excessively expensive, generally because of the high cost of manual work. You can purchase housing for €100.000 - €150.000, and then to find out that renovations (for example, installation of a modern heating system or isolation) can be more expensive, than property.
But, on the other hand, quality of construction in the country usually quite high, and the Austrian builders go in the first echelon of adherents of ecologically safe technologies of construction. Having carried out the renovation, you will be able to receive what was wanted, and you will have the best heating and isolation.
Considering high costs for renovation, you should find the builder or the architect before you purchase an object. It is desirable to find it according to the recommendations of the previous clients (but not because he is a brother of your friend, for example). Carefully check its projects. Each good builder or the architect will have the portfolio. Ask it to inspect property better to imagine a condition of an object.
Now, when you found housing which very much is pleasant to you, and your builder examined it, you are ready to make offer about purchase. You can bargain regarding the price. Do you want to see in detail how exactly mature ladies trakhat in their damp holes? That you knew on the future, from now on the Russian mature women are provided on our website. There are they here on zrelochka.com and are ready to humour you via the screen in only a few seconds after transition to the necessary video. A sound make the main thing louder because violently to trakhatsya with groans they still as are able. Objects with unfairly high price, as a rule, long remain in the market. During negotiations you shall make the thought-over list of what you would like that remained in property. If you do not stipulate all furniture and the equipment which was would like to be purchased with your house, you will purchase the house empty.
Prepare for turning all above-mentioned as soon as possible as good offers long are not delayed in the market. Therefore in advance organize the team of support in a type of the agent, the builder and the banker.
If your offer is accepted, time to visit the notary will come. You need the notary with good reputation who will be convinced that both parties of the transaction are protected.
You will have about 2-3 days on studying of the agreement. Even if you have a quite good level of German, order professional translation of documents better.
So, you should make efforts if you want to purchase successfully the real estate in Austria. The prices are generally lower here, than in the neighboring Switzerland and Bavaria, and charming beauty of landscapes in the country from one of the most successful steady economies of the world will convince you that, most likely, you. want to move anywhere any more
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