-
<![endif]-->
What a Real Estate Seller Never Tells the Buyer
Buying an apartment on the plan can hide high expenses that will only be noticed months or years after signing the contract.
The script below is from a movie that is widely watched by real estate buyers. The consumer goes to the stand where a real estate project is being launched. There are plenty of free attractions: food and drink, a show with a famous artist and possibly even a helicopter flyover of the neighborhood. In the center of the ring, there is an apartment generously decorated by a famous architect that transforms into a reality the property that will only be ready for three years. The beautiful 45 square meter apartment costs 450,000 reais. The price scares a lot of people, but after a few minutes of talking with the broker, the dream doesn't seem impossible. The seller says that for the next three years the consumer will pay monthly installments of 2,000 reais.
Upon delivery of the keys, it will be necessary to pay another 28,000 reais. The prepayment, therefore, will total 100,000 reais – a sacrifice for many families, but advantageous in view of the realization of the dream of owning a home. The broker then remembers that, of the 350,000 reais that remain, 80,000 reais can be written off using the buyer's FGTS upon delivery of the deed and keys. The remaining 270,000 reais will be financed by a bank loan with an amortization period of 20 years and an effective interest rate of 11% per year according to the Price table. Each installment is estimated at 2,700 reais. The seller remembers that the amount of monthly installments is similar to what the buyer pays for rent. The deal looks really interesting. However, Marcelo Tapai, from Tapai Advogados, an office that specializes in lawsuits against developers, explains that this script is nothing but fiction. The buyer will soon discover that any resemblance to real life is purely coincidental.
The first shock will be given by the INCC, the civil construction sector inflation index, which serves to correct property purchase contracts in the plant. Each month, the INCC will focus on the buyer's entire outstanding balance. If the INCC is 1% in the first month, the debt will be increased by 4,500 reais. For those who think that the INCC estimate of 1% is too high, it is important to remember that only in the last month of May the indicator reached 2.94%. It is possible, therefore, that the payments of 2,000 reais a month are not enough even to offset the INCC and that, at the end of three years, the buyer's debt is higher than the initial debt. Still believing that he got a good deal because the properties are appreciating very fast, the client will pay all the installments provided. On the date stipulated in the contract for the delivery of the keys, however, the developer may not deliver it. The general shortage of equipment and labor has delayed the delivery of a large part of the projects launched in Rio de Janeiro and São Paulo. Aware of this, developers include in most contracts a clause that establishes that indemnity is not due to the client in case of delays of up to 180 days in the delivery of the property.
Sky Marketing strives to be Pakistan's biggest real estate developer ever, guaranteeing the highest international standards, prompt execution, and lifetime customer loyalty. For further detail visit nova city islamabad
During this period, the consumer will have his debt adjusted monthly by the INCC. In addition, even if it has not fulfilled its part of the agreement, the developer will charge the portion of the keys of 28,000 reais because the contract specifies that date. Another possible source of stress for the buyer will occur when the work obtains the certificate of occupancy permit, which attests that the project meets the requirements of municipal legislation. On that date, the developer may exchange the correction index of the INCC contract for the IGP-M. So far, there isn't much difference. The problem is that interest of 12% per year will also be charged on the outstanding balance – against the zero rate used so far. To transfer the debt to a bank and get more friendly interest, the buyer will need to have the keys and the deed in hand.
According to Tapai, however, there are cases in which the certificate comes a year before the delivery of the keys – to the dismay of the buyer. When you finally receive the keys and the deed and run to the bank to finance the property at an effective interest rate equivalent to 11% plus TR, a new surprise may occur. The property purchased for 450,000 reais may have appreciated in value within a period of three years. Apparently positive, the news has a perverse side. The FGTS can only be used to offset the debit balance of properties of up to 500,000 reais. If the bank assesses that the same apartment now costs 600,000 reais, for example, the 80,000 reais that are deposited in the buyer's account in the FGTS cannot be withdrawn. The debt, currently estimated at 500,000 reais, for example, will have, due to the value of the property, to be fully financed outside the SFH (Housing Financial System), which, in theory, offers a little cheaper interest. In order to be able to pay it, the buyer will have to increase the estimated period for repaying the loan from 20 to 30 years – thus bearing greater financial costs to acquire the same good.Justice According to Tapai, there are ways to prevent the purchase of property in the plant from turning into a horror movie.
It is important to know the rules and do the math very well before buying a property on the plan. Saving a lot of the money you need before buying the property also helps. Opting for a semi-new apartment instead of the property on the floor can be another solution. In the case of people who have already signed the purchase contract and feel financially impaired, it is possible to mitigate the damages in court. Many judges grant injunctions against the payment of the installment scheduled for the same date as the keys if the keys have not been delivered. There is also favorable jurisprudence in the STJ (Superior Court of Justice) so that the correction of the outstanding balance is only changed from INCC to IGP-M plus 12% per year at the time of delivery of the keys - and not on the date of granting the occupancy permit. In case of delay in the completion of the work, Justice usually understands that developers have the right to correct the debt balance. What can be questioned is only the correction indicator: INCC or IGP-M. If the buyer feels economically disadvantaged by the delay because he had to pay rent for another year, for example, he can file a lawsuit against the developer charging moral and material damages. To win this action, however, it is important to have documents, photos or witnesses that serve to prove that the promises made by the developer at the time of the property purchase were not subsequently fulfilled. may file a lawsuit against the developer charging moral and material damages. To win this action, however, it is important to have documents, photos or witnesses that serve to prove that the promises made by the developer at the time of the property purchase were not subsequently fulfilled. may file a lawsuit against the developer charging moral and material damages. To win this action, however, it is important to have documents, photos or witnesses that serve to prove that the promises made by the developer at the time of the property purchase were not subsequently fulfilled.
Source: Tajarat.com.pk
-
Ruby Love Coupon Code is the best way to avail discounts on Ruby Love Coupon store shopping, there are lots of items on which you can avail the discount, amazing offers so visit the store by clicking the button and Save your Pocket now!
-
How To Be Richer And Get A Better Online Game Experience: A blog about why you should subscribe to our site and how to get the most from it...Dot Snel
-
If you want to create some interesting student work, at first you have to find a right topic. For example, about Montenegro.
Montenegro Proving that a travel destination’s size isn’t important, tiny Montenegro boasts jagged mountains, fabulous beaches and an increasingly sophisticated nightlife, despite being the Balkan states’ smallest country. Although Montenegro wasn’t involved in the complicated 1990s war engulfing the Balkans, the country experienced a drop in visitors by association, a status which is now improving as a fully-fledged EU member. You can buy custom essay online about this period of time.
Montenegro’s compact-sized capital, Podgorica, is a laid-back city where visitors can sit and absorb the ambience while sipping an espresso or partying in one of the many booming nightclubs. Montenegro’s most appealing attraction is most likely its Adriatic coast. Kotor is a seaside town housing a protected area boasting sheer-faced cliffs and historical forts; a must-see along Montenegro’s coastline, known for its abundant picturesque islands and secret coves.
Founded in the Middle Ages by the Venetians, Budva is a rewarding destination as well. The town is home to one of the most popular beach resorts in the country and boasts a panoramic backdrop created by the coastal mountainous region. Once the capital of Montenegro, Cetinje is home to a monastery that was founded in 1448, and the State Museum, which is housed in the former palace. Nature lovers should visit Durmitor National Park, positioned close to the Bosnian border. This park’s awesome Tara Canyon is definitely worth the trip.
Today, Montenegro is one of the European elite’s members, so visitors can expect a diverse and wide range of hotel establishments right up to the most luxurious standards. But be aware that rates in the country aren’t on a par with those in the former USSR bloc. However, tourists on a budget can still find a reasonably priced guestroom to stay overnight, even along the coast and in Podgorica.
Podgorica International Airport, known by the locals as Golubovci Airport, is the principal aviation hub linking tiny Montenegro, the planet’s youngest nation, to other parts of the globe, although passengers from outside Europe will need to pass through Vienna, Rome, Paris or Frankfurt before landing here. Tivat Airport on the northern Adriatic coast receives a number of international flights as well.
-
Thiên Hạ Bet (thabet) is considered as the house that owns the largest and most diverse online game store. There are all forms of sports betting, attractive card games, etc. with high winning rates. Including prizes up to 5 billion VND. Please visit Thiên Hạ Bet to join
-
Is it Worth It to Buy Online Coursework?
If you are drawing in to meet cutoff times for essay writing service uk coursework, you might be thinking about whether it merits the effort to buy online coursework. It is certainly conceivable to find coursework for deal online and have it enveloped up by a specialist by a few days, yet you ought to be cautious before picking this course essay help London. This is on the grounds that not all services that offer coursework for deal are trustworthy. A large portion of them are essentially copycats who can't convey top notch work. Precisely when you buy online coursework, it is imperative to ensure that the service can use certainly the best specialists.
When it comes to selling your electronic things ukessays, you have to buy online coursework find a market that you can really target. You can't anticipate causing immense arrangements in the event that you to do not know where to search for your vested party. Besides, you might be rising to a tremendous market that as of now has numerous things. For this explanation, it is fitting notwithstanding a little vested party and consequently branch out to different business regions. You can then expand your arrangements strategy after some time as you secure information and trust in your field.
Moreover, you ought to ensure that you are charging a reasonable coursework help cost for your online course. Costs that are too low will not draw in expected buyers. Individuals ought to attempt to comprehend that the thing or service they are buying merits the effort. In any case, subtle courses do not ensure immediate buy. Along these lines, it is fundamental to market do my dissertation your things and services so much that grabs the eye of your objective market. Thusly, before picking a value, you ought to consider the total you will spend on your product.
If you do not really need to contribute energy studying dissertation help uk for your affirmation, you can buy online coursework from any school. Online coursework will permit you to get to and use it from any PC, and you can follow through with your courses at your own speed. For instance, if you truly need to fill in as a numerical educator in China, you can basically buy online coursework and utilize the same acknowledgment to teach there. The same thing applies to show English in China.
Regardless of whether you choose to sell write my dissertation an online course yourself, the raising framework is squeezing to its prosperity. Your course should be progressed fittingly. This is the most notable way to deal with making a relationship with expected customers and guaranteeing that your course will be overall welcomed by possible customers. As well as making an arrangements page, you ought to comparably make showing content for the course. To additional lift your virtual entertainment presence, you ought to join Facebook social events and draw in with existing entrepreneurs.
If you are making an online course for deal, you ought to consistently ensure that the creation respect is high. Remember, in the event that you charge cash for a class, your gathering expects ideal quality over a YouTube video blog. On the off chance that you are shooting yourself for online coursework accounts, you can put resources into an exceptional HD camera like the Canon VIXIA or Sony CX405 from Amazon. Besides, lighting rings are modest and are helpful in shooting your own records. If not, you can buy lighting units for around $100 on Amazon.
-
Edited by Hoffman Hoffman
Thanks for sharing such great information, the post you published have some great information which is quite beneficial for me. I highly appreciated with your work abilities. myLoyola Sign In
-
Edited by Parker foster
I should say you have composed an extraordinary article. The manner in which you have depicted everything is exceptional. c4yourself
-
The Venetians established Budva as a settlement in the middle ages, and today it is a thriving and rewarding destination. In addition to being home to one of the country's most well-known beach resorts penalty kick online, the town is renowned for the breathtaking scenery afforded by the surrounding mountainous coastal region. Cetinje, which was the capital of Montenegro at one point in time, is now home to both a monastery that was established in 1448 and the State Museum, which is located in the palace that was there previously. Those who have a passion for nature should go to Durmitor National Park, which is located not far from the Bosnian border. The incredible Tara Canyon in this park is unquestionably one of the top reasons to come here.
-
Don't stop brainstorming until you get an interesting angle, concept, point. Draw two columns, agree and disagree and write down everything you can think of. Don't over-complicate it by trying to be too specific, it can be broad such as “Many people agree with X for the following reasons.”
-
Edited by Victoria Harrison
I should say you have composed an extraordinary article. The manner in which you have depicted everything is exceptional. Caregiver Connect
-
I admire the valuable information you offer in your articles MyJohnDeere
-
This cutoff concentrates nicely for us, favor your heart! Going toward an essentially indistinguishable issue here. Help is respected. MyFlorida Access Login Account
-
I value the information and counsel you provided. If you could provide me more information, I'll attempt to understand it better, visit and play octordle with us.
-
If a student does not take into account pertinent opinion essay subjects that would meet an event or issue and make it acceptable to produce solid arguments, letter boxed choosing an opinion essay might be difficult.
-
You must stay alive in this horror/puzzle adventure. Try to survive the vengeful toys waiting for you in the abandoned toy factory. Use your GrabPack to hack electrical circuits or nab anything from afar. Explore the mysterious facility... and don't get caught. Poppy Playtime . was once the king of the toy manufacturing industry... until everybody inside of the factory one day disappeared into thin air. Now, years later, you must explore the abandoned factory and uncover the truth.
-
this is an informative post and it is very beneficial and knowledgeable. x trench run
-
يساعد السكر في جذب الصراصير ، كما يساعد حمض البوريك في قتلهم. لذا امزج المكونين معًا لإنشاء لقاح محلي الصنع يقتل الصراصير بشكل دائم ، ووزعها أينما كانت الحشرات. على الرغم من أن حمض البوريك ليس سامًا ، إلا أنه يشكل خطرًا على الإنسان والحيوان ويجب إبعاده عن المناطق المكشوفة أو التي يتم التعامل معها بشكل روتيني لتجنب ملامسة اليدين أو القدمين أو الملابس. يساعد عصير الليمون في تنظيف المناطق التي تتواجد فيها الصراصير ويمنعها من الدخول أكثر ، واشطف السطح ، ورش المناطق التي يحتمل أن تحتوي على صراصير لمنعها من الحركة. قم بإزالة بقايا الطعام وتنظيف الطعام المنسكب على الأرضيات والأسطح. يساعد في جمع الصراصير. صناديق الحبوب في الخزانة مغطاة بإحكام. لأنها البيئة المثالية للصراصير. لا تترك الأطباق المتسخة على المنضدة أو الحوض. تأكد من عدم تجمع الصراصير في أماكن مخفية في مطبخك. لا يتم تنظيف هذه المناطق بانتظام من قبل بعض الأشخاص ، لكنها مصدر جيد للغذاء ، ضع القمامة في وعاء مغلق يحتاج إلى التخلص منه بانتظام ، وقم بإزالة أي أوساخ متراكمة من داخل وخارج الحاوية. يزيد. تخلص من الورق أو قص الورق المقوى أو أعد تدويره. أغلق الشقوق والفتحات الصغيرة حيث يمكن للصراصير التسلل إلى منزلك. تحقق من أكياس التسوق والأثاث المستعمل قبل إحضارها إلى المنزل للتأكد من خلوها من الصراصير والبيض.
-
Thank you for sharing such informative information. I was wondering if you could assist me in writing an essay on the topic of vya bcbs prefix. Please let me know if that is possible.
-
I think your idea will be copied and utilized to inspire the creation of many more ideas because it is brilliant and original. wheel spinner
-
Wow, what a wonderful post. This was too much information for me. I was looking for something like this. I'd like to suggest that you keep sharing information like this age of war
-
Edited by Pamela Larsen
The original post is providing tips for selecting a topic for an opinion essay. They suggest brainstorming topic ideas, considering the opposite viewpoint, choosing an interesting topic, consulting with an educator, and seeking support from an essay writing service. They also provide a list of opinion essay topics for college and high school students, including topics on education, social issues, and current events. It is important to choose a topic that is engaging and relevant to the audience, and to present both sides of the argument in a fair and balanced manner. Additionally, the essay should be well-organized and clearly express KMFusa the writer's opinion. When selecting a topic, it is also important to consider the length and scope of the essay, as well as the writer's own interests and expertise. By following these tips and guidelines, writers can select a topic that will allow them to express their opinion effectively and engage their audience.
-
Make a list of your responses to these suika game questions. Fill in the blanks with whatever comes to mind.
-
Brainstorming essay topics requires staying informed, considering your interests, and narrowing down your choices. Research is crucial for supporting your arguments. If you need help, consider using best ghostwriting services.
-
The subject matter of your website is quite interesting to me. Extremely inventive and user-friendly in its design. Create a bookmark for this, and be sure you follow it every day. kia finance login
-
If you don’t have access to your email address, you can call KMFusa customer service at 1-855-331-3979. They will be able to help you recover your username so that you can login and make your car payment.
-
MyJDFAccount is a manufacturer of heavy equipment, gearboxes (gearboxes, axles, gearboxes) for lawn care equipment, construction machinery, and diesel engines for forestry and agriculture. Visit here MyJDFAccount
-
Students at schools that are signed up with EhallPass Login are given an EhallPass username and password.
-
This article is truly excellent! You presented the information in a clear and logical manner, helping me gain a deeper understanding of the topic. fnf
Please register or sign in to comment