Jak bezpiecznie kupić nieruchomość?

Weryfikacja sprzedającego i przedmiotu umowy to dwa najważniejsze zadania, jakie musimy wykonać przed kupnem mieszkania lub domu. By zwiększyć bezpieczeństwo transakcji, warto też skontrolować kilka innych kwestii.

Zakup mieszkania albo domu to dla wielu życiowa inwestycja, która w wielu przypadkach wiąże się też z poważnym, wieloletnim zobowiązaniem finansowym. Dlatego wymaga odpowiedniego przygotowania i dopilnowania każdego szczegółu. Chodzi o to, by maksymalnie zwiększyć bezpieczeństwo transakcji i zminimalizować ryzyko późniejszych problemów czy kosztów.

Weryfikacja sprzedającego i przedmiotu umowy to dwa najważniejsze zadania, jakie musimy wykonać przed kupnem mieszkania lub domu. By zwiększyć bezpieczeństwo transakcji, warto też skontrolować kilka innych kwestii.

Zakup mieszkania albo domu to dla wielu życiowa inwestycja, która w wielu przypadkach wiąże się też z poważnym, wieloletnim zobowiązaniem finansowym. Dlatego wymaga odpowiedniego przygotowania i dopilnowania każdego szczegółu. Chodzi o to, by maksymalnie zwiększyć bezpieczeństwo transakcji i zminimalizować ryzyko późniejszych problemów czy kosztów.

Co konkretnie trzeba sprawdzić? Dokładna lista spraw zależy od tego, jaką nieruchomość nabywamy i od kogo, ale niektóre kwestie wyglądają tak samo.

1. Sprzedający

Rynek pierwotny

Tego, czy deweloper rzeczywiście jest właścicielem oferowanego lokalu, dowiemy się z księgi wieczystej. Sprawdzimy ją w Internecie ( https://ekw.ms.gov.pl)  Wystarczy znać jej numer. Sprzedający musi go podać każdemu potencjalnemu nabywcy. Jeżeli lokal nie ma jeszcze księgi potrzebujemy nr księgi głównej, w której znajduje się sprzedawana nieruchomości oraz zaświadczenie o samodzielności lokalu oraz pozwolenie na użytkowanie.

Rynek wtórny

Musimy ustalić, czy osoba sprzedająca jest tą, za którą się podaje i czy ma prawo rozporządzać interesującą nas nieruchomością. Nasze obawy rozwieją: księga wieczysta, dwa dokumenty tożsamości oraz akt notarialny potwierdzający prawo własności, np. umowa sprzedaży, darowizny, sądowe potwierdzenie nabycia spadku.

W przypadku mieszkania spółdzielczego warto jeszcze poprosić o zaświadczenie o powierzchni i położeniu lokalu oraz o braku przeszkód w założeniu księgi wieczystej.

 

2. Księga wieczysta nieruchomości

Deweloper musi być właścicielem gruntu, na którym stawia blok. Dopuszczalne jest także użytkowanie wieczyste. Z tego rejestru dowiemy się też, kto jest właścicielem obiektu i czy lokal nie jest przedmiotem zabezpieczenia jakiejś wierzytelności.

W księdze wieczystej koniecznie sprawdźmy, czy nieruchomość nie jest obciążona jakimiś zobowiązaniami, np. służebnością, hipoteką, prawem dożywocia. Po co?

Z ewentualnych niedopatrzeń mogą wyniknąć trudności. Chodzi np. o nieoczekiwanych lokatorów, którzy nie będą chcieli – i w świetle prawa nie będą musieli – opuścić mieszkania po zawarciu umowy sprzedaży lub obniżające wartość nieruchomości prawa do przejazdu lub przejścia przez środek działki.

 

3. Ograniczenia korzystania

Przy zakupie mieszkania używanego należy dodatkowo zwrócić uwagę na to, czy w lokalu nikt nie jest zameldowany. Wystąpmy do sprzedającego o stosowne zaświadczenie wystawione przez urząd gminy właściwy ze względu na lokalizację nieruchomości (oraz spółdzielnię/wspólnotę – w przypadku lokalu spółdzielczego/wspólnotowego). Można co prawda potem dokonać wymeldowania niechcianego lokatora, lecz po co tracić na to czas?

Niezmiernie ważne jest również to, aby sprawdzić czy rzeczywiście nikt nie zamieszkuje w lokalu nawet bez tytułu prawnego (meldunku). Polskie prawo nakłada ograniczenia na wyeksmitowanie niechcianych lokatorów. W pewnych przypadkach może to być mocno utrudnione i czasochłonne.

Ponadto warto zadbać o to, by w umowie sprzedaży znalazło się:

  • oświadczenie właściciela, że obiekt nie jest obciążony prawem osób trzecich,
  • oświadczenie podmiotów posiadających prawa ograniczające swobodę dysponowania nieruchomością o zrzeczeniu się tych uprawnień,
  • zobowiązanie sprzedającego, że w dniu zawierania aktu notarialnego albo w innym ustalonym terminie mieszkanie będzie wolne od zameldowania i opróżnione z osób.

 

4. Zadłużenie mieszkania

Poza hipoteką np. na rzecz banku, na używanym mieszkaniu mogą ciążyć długi względem np. spółdzielni (czynsz), dostawców mediów (faktura za prąd, gaz, Internet) czy gminy (podatek od nieruchomości).

Wystąpmy do właściciela o stosowne zaświadczenie o braku zaległości lub dowody opłacenia ostatnich faktur. Inne rozwiązanie, które można zawrzeć w akcie notarialnym, to pomniejszenie ceny transakcyjnej o wielkość niespłaconych zobowiązań w przypadku posiadania wiedzy o ich wysokości lub pozostawienia drobnej kwoty do zapłaty po sprawdzeniu czy wszystko jest opłacone.

 

5. Umowa przeniesienia prawa własności nieruchomości

Musi mieć formę aktu notarialnego. Podstawowe dokumenty do zawarcia umowy to w przypadku lokalu z rynku pierwotnego to pozwolenie na użytkowanie nieruchomości oraz zaświadczenie o samodzielności lokalu. Na rynku wtórnym potrzeba księgi wieczystej oraz dokument, na podstawie którego obecny właściciel nabył własność.

Umowę sprzedaży należy zweryfikować pod kątem:

  • przedmiotu sprzedaży – co kupujemy,
  • ceny i sposoby jej opłacenia – ile i jak płacimy (gotówka, kredyt, inna forma),
  • termin i warunki wydania mieszkania – kiedy przejmujemy mieszkanie.

 

Uwaga! Jeżeli data przekazania kluczy do lokalu będzie inna niż data podpisania umowy końcowej, to w naszym interesie leży to, by sprzedający zobowiązał się na piśmie do poddania rygorowi egzekucji (art. 777 § 1 pkt 4).

Ważny jest też zapis, aby wszystkie koszty użytkowania przed przekazaniem lokalu obciążały sprzedającego.

 

6. Stan techniczny lokalu

Przed zawarciem umowy sprzedaży należy sprawdzić obiekt pod względem technicznym. Oględziny najlepiej przeprowadzić z pomocą doświadczonego fachowca, który będzie w stanie rzetelnie ocenić stan nieruchomości i porównać go z tym, o czym zapewniał sprzedający.

Trzeba pamiętać, że wszelkie ustne ustalenia w przypadku sporu będą bardzo trudne do ustalenia. Wszystkie uwagi należy dokładnie spisać (może to być też podstawa do ponownej negocjacji ceny) i sprawdzić czy nic się nie zmieniło w momencie wydawania lokalu.

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  64. Summertime in Phoenix sucks!! Let me tell you unless you have a pool your summers will be full of boredom! The house I grew up in had a older style pool. Wasnt the beautiful pools we see now but it was something. My name is Alexandra but I go by Alex Allie or Al. I was excited summer had finally come and I could stay home and relax. My best friend Kate comes over all of the time. On a hot Monday she came over so we could swim in my pool. At the time I remember I was a little jealous of Kate because she was super skinny had a nice body. Anyways we head upstairs to my room to put on our bathing suits. Kate and I have never been shy around each other. At least my boobs were bigger than hers. As we get undressed i glance over at Kate looking at her from head to toe. I never knew why my pussy was just a little slit and the only way I can describe hers was meaty. She had what looked like an overgrown clit hood.
    https://telegra.ph/Daddy-and-Me-06-04

  65. So there I was still shaking and standing between Johns legs with my hands on his knees and him sitting there with no pants on still catching our breath when we hear someone yell John and a flashlight comes our way. Im sure we looked like deer in the headlights when the flashlight hits us and didnt move. John! What the? Who is this? as his pace picked up and he got closer to us.Uhh, Steven umm uh John replied We send you for firewood and you get some action in. Lucky Bastard. Im Steven he said to me, not sure if we shake hands or what to do in a situation like this. Im still speechless and he says what are you wearing dude? Thats hot. I introduced myself and grabbed my beer and took a big long swig. Im Scott and yeah I come out here for privacy so I can crossdress. I guess I got caught… again. I stepped back out from between Johns legs and stepped back over the bench.
    https://telegra.ph/Cross-dressing-camper-Part-2-06-04

  66. She got fucked multiple times by Vijay kumarbut Again this time too the result was same ZERO.

    Her sister who is oldertoZeenatby one year (24)Salmadelivered a cute baby girl. Since They were staying inHyderabadit was difficult for her to manage workduring her pregnancy and thereafter the baby. So she called her to stay with her for 6 months.Her Husband salman also permitted her to stay there and told her when ever He will be in town he will too come there and stay with them.

    Although married herself, Zeenat was doing joband Shetooka 1 year break for her sister . Also, her husband keeps ontraveling as hefocussed more into increasing his business. So She had no worries about moving into her house for 6 months. In fact She was happy that She will get more time to spend with her sisterand her niece. So She packed her bags and moved to her place on a Saturday.
    https://telegra.ph/A-Simpleton-Becomes-Business-Women-6-06-04

  67. Sam, a senior marketing executive at a major bank, navigates through the crowded train platform.Sam is a 32 year old busty brunette with stunning green eyes and long, sensual lashes. Thanks to her assets, she pushes past hundreds of bodies to finally get onto her train and make her way home for the evening without much trouble.
    By the time everyone has shoved their way into the carriage, Sam is right in the centre of the throng, with barely any room to move.At this time of night, she knows shell be stuck in this spot for at least the next 30 minutes before her stop.
    https://telegra.ph/Three-Sluts-On-A-Train-06-04

  68. Ill always start by asking her to put her tongue inside me; I dont mind sucking on it. I love French kissing! Id suck gently of course. Its definitely important to a find a good kissing routine! Surprise her, do more then she could imagine when it comes to romance. Id work my tongue against her neck, licking it and gently kissing it! Everything above her waist can be pleasured while rubbingyour hand between her legs. While working her neck, Its nice to tease her and somewhat tempt her. If she had little cute breasts, Id want to suck on them, so Ill ask her really nicely! And kiss her body, slowly up and up, explore things you havent before. Usually, I spend quite some time working on her cleavage, before actually kissing the center.
    https://telegra.ph/Guide-to-the-pleasured-life-06-07

  69. When I met the person that I wanted to spend my life with I never expected that it would be before I left school, someone older, who was married and least of all a woman. When I left England with my mother at the age of 16 to live in Italy in an attempt to help me with the problems I acquired when my parents divorced. I never thought it would be the best decision of my life.
    https://telegra.ph/Nurse-Kate-pt2-06-07

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  71. My wife was going to get her annual complete physical. She had never seen this doctor before. We just found him in the local listings.
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    https://telegra.ph/My-wifes-physical-exam-06-07

  72. Takipçi Satın Alarak İşini Büyüt!

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  73. I first met Selena at a party one night. I was sitting on the back deck with some friends when she walked through the doorway. Her beautiful long blonde hair was the first thing that caught my attention from the corner of my eye. She was the most stunning woman I had seen. Her beautiful smile, petite body and perfect ass. She wore a white T-shirt and blue jeans.Our eyes immediately made contact first thing and she smiled at me. I just got this vibe come over me Ive never felt before or since. It was not really a sexual vibe but I was instantly hard when I first saw her and kept having to adjust myself discreetly while watching her.
    https://telegra.ph/First-time-Selena-and-Roxy-06-07

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  76. Well as I was checking out the bank lines and waiting for Mark to return I reflected on just what had happened.I would have never imagined the feelings I had at that moment.I didnt know if I was gay or what but I couldnt deny that what me and Mark had done was probably the greatest thing I have ever done in my short life.As I sat there nursing my beer I relived the feeling of Marks cock in my mouth, hard yet velvety at the same time.And then the way Mark took me in the ass for the first time of my life.What ever happened next I knew that this would always be a time that I would remember for the rest of my life.
    https://www.tumblr.com/blog/view/sloven5905115

  77. Now Open For Business
    When I went to work on Brendas garden one morning there was a strange car in the driveway. This was a car I had seen somewhere before. I put it out of my mind and went about my chores weeding a flowerbed.As usual I was wearing my special ‘gardeners uniform, a pair of cut off jeans, no shirt just the shorts. I wore no underwear either because that was the way my ‘client wanted me.
    https://www.tumblr.com/blog/view/guardiang1428563

  78. My name is Rudy and my homie Max has this banging sister, her names Sarah. Shes about 411 with big ol jugs for breast and and a decent sized ass. When she really started catching my attention was when I got expelled and had to go to a charter school. Her parents had agreed for me to be dropped off at theyre house in the mornings so I can walk to school from there I spent about 1 hour there every morning. But sometimes Sarah would open the door for me. And shed always be in her pajamas without a bra and some tight shorts that showed half her ass.
    https://www.tumblr.com/blog/view/blya21703259

  79. I am Mike, 16, I do the normal things a teenage guy does, video games, hanging out with friends, sports, no girl friend fanaticize about sex.And noI have not really been on a date yet. I guess you could classify me as a jock, just not the baseball, football or basketball type. I did like cross country and really liked the long distance runs we had to do.Most of the other guys on the team hated running anything over 6 or 8 miles. Me, I felt I was just getting started at 6. It didnt matter if it was spring or winter season. It was just great to be outside. So I was definitely in shape but not muscular.
    https://www.tumblr.com/blog/view/nemeanlion5123902

  80. Marcia and Ted were into their favorite bar on a Friday night, drinking and dancing to a local rock band.Two of their friends, Larry and Joan, walked in and joined them.The two couples drank well into the night and when the bar closed down, Marcia and Ted suggested that they continue the party at their house.
    Ted turned on more rock music at the house and asked if Larry and Joan would like to smoke some weed to keep the party going.The four of them sat around and got high and eventually, the topic of conversation turned to sex.
    https://www.tumblr.com/blog/view/richterscales9135307

  81. The next morning Ryan woke to the definite sensation of something warm, wet, and wrapped around his hard and throbbingcock. Peeking under the covers his curiosity was rewarded with the deliriously sexy sight of Patty sucking him while she was in a state of pleasure and happiness. Mind you, if hed taken the time to look, he could have figured it out by the up and down motion of the covers, or by the air movement that her bobbing created. But just that lustful sight was worth the effort of his exploration.
    https://www.tumblr.com/blog/view/peripteral5773988

  82. The air conditioner on my old Honda Prelude had died along with the radio, and now I was soaking in the last breaths of the cold air. Just before the temperature in that hot box became unbearable, a pale girl on a bicycle appeared, my salvation.
    Jesus Tabitha, you said youd be home 2 hours ago. Im gonna need a jump now, I complained as I slammed my car door. Well, the skinny red head started, locking her pink mountain bike to the rack, that is what youre here for isnt it? I gave only an amiable smile as the double entendre wouldnt dawn on me for another moment. Well where the heck have you been?
    https://www.tumblr.com/blog/view/tqmedius8963302

  83. This is my first story hoped you like reading it as much as I enjoyed writing it. I appreciate any compliments and/or tips. Tell me if you want me to continue this story. Thanks <3
    Every day was different when working at the police station, but Carol was still taken aback by what she discovered when she walked into work. She was surprised when she walked into the main area to be greeted by the chief inspector Stan, who was standing next to a woman of early 30s, wearing a red latex outfit that showed an ample amount of her cleavage, which Carol could only guess was DD.
    https://www.tumblr.com/blog/view/shadowhunter4015311

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  86. My 4 p.m. Timberlake spin class is about to start and all I can think about is the path my life has taken. I, Benjamin, a once bad-boy with a fetish for bees used to brothel hop and go to matinees alone to use only the most buttery of popcorn to relieve myself in times when my flesh light was stolen. It wasnt until I hit rock bottom half way through what I thought was flight of the bumblebees, when I realized I was masturbating to Akeelah and the Bee and tearing up along with Laurence Fishburne as Akeelah correctly spells logorrhea, when I decided to turn my life around. Trading matinees for daily spin classes, I have devoted my life to healthy eating, exercise and the LA lifestyle. Although my life is now back on track I cant help but have cravings for large breasts, dripping pussies, and holding my cock watching it blow with the force of one thousand fire hydrants – now thats some good shit.
    https://www.tumblr.com/blog/view/richterscales3652134

  87. Its hard to pinpoint exactly when it dawned upon me for the first time, but I think it was as I was relaxing in the hot tub room with Melia after I had fucked her for the first time. The realization hit me; I was essentially a god here in this primitive age of 2015. And, if I were to confine my time travels to the past from 2015, nothing could stop me from doing as I wanted. I had three beautiful women with me on board my all powerful craft, time was on my side- the technology given to me by the Jogany meant that I would not age for a couple of thousand years.
    https://www.tumblr.com/blog/view/bigdip2373236

  88. My dad and I had always been close in what some people would call an odd way. My mom passed away when I was 3 so dad basically raised me by himself. Growing up we did everything together. Cuddled (sometimes he would be naked) and watched sports, went to games, he would give me baths, and some other stuff. But as I got older I noticed how dad would start to look at me more and more and for longer amounts of time.
    https://www.tumblr.com/blog/view/hodgepodge509388

  89. Anya lay on her bed, staring at the ceiling of her moderately-sized dorm room. Her digital alarm clocks LCD display burned a crisp 4:05 AM in the darkness. In two hours and a half she would have to go to class. Her music player was still operating, singing out Pink Floyds later, more ambient sounds. In her head, she went over all the homework she had and every project due withing the next three weeks. Everything was according to schedule. She continued to stare, thinking about how she would make the most of the first weekend her roommate, Tara, was gone.
    https://www.tumblr.com/blog/view/arthur324017668

  90. I tried so hard to remember what had gotten me here.Could it have happened that first night in the movie theatre?Could it have been when he was fucking me?Could it have been in the theatre today?These are all questions that went through my head.
    The first night we went to the movies turned out to be a most memorable one.My Daddy wanted a blow job.He didnt care who was around, or if they saw, he only wanted to release and release he did.He unzipped his pants and pulled them down away from his cock then took his hand and wrapped it around the back of my neck.
    https://www.tumblr.com/blog/view/quidity5190842

  91. God I need a cigarette! I gasped as I collapsed, exhausted, at the top of the small mountain my team had just hiked up in the Lake District.
    Youre supposed to be setting us a good example. Khalid laughed as he flopped down next to me quickly followed by his two schoolmates.
    Fu…To Hell with that! I laughed, I deserve one after a walk like that.
    Still laughing at me puffing and panting the boys whispered something, then Khalid turned to me and asked nervously; Do you really want a smoke?
    https://www.tumblr.com/blog/view/siserary933043

  92. I just dont understand what happened? Jax spoke to Tyler as they rode in the front of the bus on their way back to gray rock. They continued the discussion as the boys complained about not getting to see the girls and such. The whole bus ride back was noisy. As the bus pulled into the parking lot and the cadets made their way back to the dorms Jax and Tyler made their way to the armory to check in their weapons. Jax spoke as they walked I know you dont agree with all the behind the scenes stuff he motioned with his fingers as if quoting. But I also have seen how you look and act around that cadet…whats his name…max.
    https://www.tumblr.com/blog/view/icnpiste7109297

  93. This is a story based off of one of my friends and I. He is my best friend in the entire world. I wouldnt trade what we have for anything.
    Adam is my best friend. He is about 63 and is kind of tan considering its always cold here. Hes skinny but has a lot of muscle. He is the star player on our schools basketball and baseball teams. He is so super nice to everyone and is very smart. Hes in a lot of my classes. Hes kind of shy and quiet too.
    https://www.tumblr.com/blog/view/somatognosis3987657

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