05.12.2023
Is it possible to rent an apartment before entering into inheritance
It is allowed to officially inherit no earlier than 6 months after the death of the owner of the property. It should be borne in mind that this period may be extended for another six months if property claims arise from the heirs of subsequent queues during the paperwork process.
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28.11.2023
Buying an apartment at an undervalued price risks and consequences
The seller offers to informally lower the cost of the apartment. Is it worth taking the risk? In fact, it does not matter why the seller wants to reduce the value of the property. Although, as a rule, this is a desire to save on personal income tax or hide income. The main thing is that the buyer should always take into account the risks and long-term consequences when making such a decision.
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21.11.2023
Who and how should pay property taxes in 2023
The tax on real estate is paid by the owner, that is, the person for whom the documents of ownership of real estate are issued. At the same time, payments are accrued regardless of whether the object is used or not.
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14.11.2023
Paternal capital is proposed to be introduced in all regions of the Russian Federation
Paternal capital is a new measure of support for large families, which will operate along with maternity capital. It is assumed that it will become available after the birth or adoption of the third and subsequent children.
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08.11.2023
Pros and cons as well as differences between joint and shared ownership
Joint ownership means that the owners of the property do not allocate separate shares in the apartment and dispose of it together. At the same time, all owners have equal rights to own housing. As a rule, this type of property prevails in married couples.
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31.10.2023
The Central Bank raised the key rate to 15 %
The Central Bank immediately raised the key rate from 13% to 15%. This is the fourth increase this year, while its size exceeded analysts' expectations. After all, experts assumed that the rate would correspond to 14%.
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01.11.2023
From November 1 VTB has new mortgage conditions
State support programs remain unchanged - the first installment is 20.1% 8% - state support 2020; 6% - family mortgage including refinancing; 5% - FROM mortgage 7.6% - IHS on its own with a down payment of 25.1% with income confirmation, from 30.1% without income confirmation
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24.10.2023
Is it possible to refuse mortgage insurance and is it reasonable
If you calculate the annual mortgage insurance payments, you get quite large sums. And then, quite naturally, the borrower has questions: "Why is this insurance needed at all? And is it possible to do without it?"
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17.10.2023
Do you know the cadastral value of your apartment
The tax is calculated according to the formula: Cadastral value × tax rate. The cadastral value is taken at the beginning of the year for which the tax is considered. 2023 is an exception. The tax will be calculated from the cadastral value, which was valid on January 1, 2022, if it is lower than on January 1, 2023. Personal income tax when selling an apartment. The tax is paid if the apartment is sold before the minimum period of ownership has passed.
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03.10.2023
Banks have resumed issuing rural mortgages
Due to the increase in the key rate to 12% in August, the work of the rural mortgage program was suspended. The government promised to restore access to it by the end of 2023. And at the moment, some banks have already started accepting applications for the program. At the same time, it is worth noting that the terms of lending have changed.
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14.09.2023
The initial payment on a preferential mortgage will increase from 15 to 20%
Participation in the state support program is possible, but there are certain requirements. - A 20% down payment is required, and it will take effect from September 20.
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05.09.2023
New opportunities under the preferential IT mortgage program
The IT mortgage program has been made more accessible to the young. Thus, specialists under the age of 35 inclusive may not provide data on the minimum level of their income. It is noteworthy that the other conditions have not changed.
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