FINANCING CONDITIONS
Terms of Financing
Our clients can buy property, land and money from banks a longer period between 30 years but must be proved by the Bank that the money can be refunded Banks and proved that you have a stable job and good pay.Se can acquire property, lands and by paying directly with cash is an asset that the buyer can negotiate better with the seller to determine the selling price. A total of 30% of apartments and houses have been sold so far sold to customers who have received a bank loan through the First House. That's why we provide general information about the program, mentioning that you can provide accurate information only bank you decide if you ghet the lon.From experience we know that the differences between the conditions imposed by various banks are minor and mainly refers to the type income taken into consideration any additional documents that some banks ask for.In principle conditions which individuals must meet to qualify for this program are:
-Do not own a house owned individually or jointly with their husbands or others and may not be carrying out a mortgage. This requires a solemn declaration on authenticated by a notary, according to which the applicant has not owned a home, either individually or jointly with your spouse or someone else is carrying out a mortgage.
-Have a deposit of 5% of the purchase price of the house, if its price is less than or equal to 60,000 euros.
-People who wish to enter this program undertakes not to sell home purchased within 5 years from the date of acquisition and also commits to is in favor of the Romanian state, represented by the Ministry of Finance, a first rank mortgage on the house purchased.
-Individuals or families who meet the conditions imposed by the financier
-People who purchased through this program completed a home located in Romania, registered in the land, free of charges.
The first House-2 may be used to purchase a house in new neighborhoods -area in two ways:
-Ready house in the neighborhood
-House "in red", which is still under construction
-You have the possibility to contract a new house proiect.If same one phase that will build their own dwelling in the directing will not fit into the program, the law will not only finance homes that have signed an agreement with a company Construction.
-People who meet all conditions imposed by the HOUSE 2 HOME program can get a credit of up to 60,000 euros or the equivalent in lei, where old buildings, and 75,000 euros for new homes.
The documents that you want bank are:
Credit-Application completed and signed by all participants with incomes
-Identity documents (ID card, ID)
-Marriage certificate - if applicable, original and copy-book work - the copy that says, "According to the original
-Income statement from the company employing the format provided by the bank (original) - issued within 30 days prior to submitting the file
-Documents relating to the subject loan (property deeds, Land Registry, identity of the current owners of property to be purchased - children)
-Supporting documents for their contribution
Property-assessment report made under warranty, prepared by an appraiser approved by the bank
-Buyers should be aware that in addition, additional borrowing costs are notary fees, fees and VAT.
-For a house sold at the stage of gray, with a price of 81.000 EUR, with usable area of 120 sqm built surface of 154 sqm and 612 sqm in area, notary fees, incurred by the buyer that was 970 notary fee EUR and real estate advertising service tax was EUR 15.
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