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ORDER of PURCHASE of the real estate in the USA
In the USA razreshenna purchase of the real estate and the earth in the property non-residents. Citizens of Russia, Ukraine and the countries of the former CIS can get the real estate in the property without what or restrictions.
1. The buyer fills the form and answers questions on that, its what object interests Forma_zajavki_Pokupatelja
2. Realty-usa, on the basis of Forma_zajavki_Pokupatelja, gives some variants of apartments or houses according to inquiries.
3. The buyer gives documents depending on the payment form:
A) In case of purchase without credit use it is necessary podtverzhednie presence of the necessary sum on the account of the Buyer. The letter from bank SAMPLE ASSET VERIFICATION LETTER
B) B a purchase case c credit use are necessary cëåäóþùèå documents:
Cïðàâêà about incomes. Two variants one for the hired worker – is filled on work SAMPLE INCOME LETTER EMPLOYEE. The second – for the proprietor of business (if it not javljaetsja simultaneously the worker) – zapolnjaetsja any foreign bookkeeper or auditor company SAMPLE INCOME LETTER SELF-EMPLOYED.
The letter from bank c podtverzhedniem turns SAMPLE ASSET VERIFICATION LETTER
Letters of recommendation. 3-4 pieces SAMPLE REFERENCE LETTER
All forms should be on forms of the company with the seals and are filled in language. All sums should be in American dolarah, $US Dollars.
C) If the preliminary arrangement (the house and the price are pleasant) the purchase and sale contract is made and subscribes is reached, and the Buyer brings the deposit at a rate of 1 % on Escrow Account (the special account) which will return in case of cancellation of the contract of purchase and sale or will leave to the seller in case of transaction fulfilment.
4. After that the buyer by means of Realty-usa makes house examination (Physical inspection, termite inspection) and receives a credit assurance of receipt (if it is necessary), on it is given till 17 days. If the object is bought on tick on carrying out of all necessary inspections will set bank if cash – that this business of the owner. If there is an intention to get the real estate on credit, will be optimum schitatsja presence of the preliminary consent of bank about its granting (pre-approved letter).
5. Realty-usa prepares all necessary documents and gives to their Buyer for studying.
6. In communication, with the developed economic situation in the USA, exists three (3) forms of sale:
1. Direct sale from the owner,
2. Short Sale and
3. Foreclosure.
The additional information on various variants of registration of transactions of the purchase? Real estate sales can be found in the USA in “Various variants of registration of transactions of the purchase? Real estate sales in the USA”.
7. End of process of acquisition (Closing) – registration Settlement Statement - official closing of the transaction, is obligatory in the presence of the notary. There is a transfer of money and keys from habitation. The transaction should be registered this very day in special regional department of registration. The property right to habitation proves to be true the certificate on the property right (Title).
8. It is recommended to make not only house insurance, but also insurance of the rights of seizing (if it will appear that any documents are incorrect).
9. Duties and cost of services in registration of the transaction of purchase and sale, makes nearby 1 % from a project cost (services of the registrar, the help in registration of the credit and State Taxes for transaction registration here enter).
10. Object payment can be proizvedenna in two ways:
A) Without credit use. In case of full 100 % of payment, the sum is translated into the account of the lawyer company (a notary's office carrying out function), engaged in registration of the contract of purchase and sale. Money resources are on spets to the account (type akredetiva) before transfer of object to the Buyer (signings of certificates of reception-transfer, the contract of purchase and sale and transaction registration).
B) In case of hypothecary crediting, banks give to 80 % from a project cost, the remained sum is translated by the Buyer. Term of registration of the credit, after granting of necessary documents – till 20 days. At the moment the rate under bank credits fluctuates from 6 to 8 % annual for the term up to 30 years. When the purchase and sale contract is signed also advance payments are brought, the bank directs the appraiser for definition of validity of a sale price of object. If check has passed successfully, the Buyer receives from bank the document (Commitment Letter), confirming the consent to give out to it the concrete sum in the form of the hypothecary credit for concrete object of the real estate. It can occupy some time. The situation when the buyer has a preliminary arrangement with the bank, confirming readiness of bank to give out the hypothecary credit is optimum. After that all documents transfer to the lawyer who employs bank for transaction end. For credit reception are necessary sledujushie documents: (the List of documents for bank).
11. Realty-usa promotes in registration of the hypothecary credit, carries on negotiations with several banks and offers on a choice of the Client some variants.
12. Realty-usa promotes in arrival of the buyer for acquaintance with the real estate before purchase and on a transaction closing-time (invitations, visa support).
13. Realty-usa offers the services in professional service of the real estate (repair, leaving, rent, sale and t).
At purchase of the real estate the Buyer receives a package of the documents including on hands:
1. The certificate on seizing (Title), given out by the government of state of Florida.
2. The zaregistrirovanyj contract of purchase and sale (assured by the registering organisation).
3. The reception-assignation certificate, and other accompanying documents confirming the right of possession. And also entry in the registration book is made.
Transfer of the real estate to possession to the Buyer is made on transaction closing (Closing) after signing of necessary documents and payment.
The real estate maintenance (cost of service and taxes): Mid-annual cost of operation of the real estate skladyvaetsja from:
1. Payment for service (Maintenance), apartments in kondominiume or houses in komjuniti, makes from $10 for ì2 in a year. Payment for services is collected on-mesjachno (on the average from 300 to 1000 dollars a month).
2. In the USA the owner of the real estate pays the tax to property. The tax to the real estate is made by 1-2 % from estimated cost (the special state estimated companies do every year revaluation of the real estate taking into account a situation in the market). Are paid: every year to 1st Martha or can be broken into quarter payments with interest (bank percent).
3. Payments of the electric power, phone, the Internet - according to tariffs. Oïëàòà other expenses - water, cleaning teritory, dust export, protection are etc. included in services in service (Maintenance).
4. All expenses on service of the private house which are not entering in komuniti, completely lie on the owner, and are defined by it independently.
Additional possibilities for the client:
1. Reception of investment visas and grin cards in a current of 6 months, with the subsequent reception of residence permit and citizenship of the USA in 5 years is possible. Under this programu the buyers owning at least 3 objects of the inhabited real estate or the commercial real estate in cost more of 1 million dolarov the USA and creating workplaces, a minimum 5 approach.
2. Realty-usa gives the help in reception of the initial visa (the business invitation, a meeting and the device, acquaintance with the real estate and entertaining programs - by preliminary inquiry).
3. Company registration. Reception business of credits. Opening of bank accounts.
4. Management of the real estate. Selection of tenants. The control over a condition of the real estate and maintenance of timely receipt of rent payments. |
