What needs to be done after buying an apartment in 2021?

Check the condition of the apartment, communications

By signing the deed of transfer of the apartment, the new owner accepts responsibility for all the shortcomings with which he received the property.

Buyers of new buildings have a guaranteed DDU and the law sets a deadline for eliminating identified deficiencies.
Buyers of secondary housing will have to solve all problems on their own.

When inspecting an apartment before purchasing, it is not always possible to find shortcomings; many may be hidden, while others will not be accessible.

A careful inspection of the apartment will allow you to:

Identify critical wear of water supply or sewerage pipes, hazardous electrical wiring sections, serious defects in transferred plumbing equipment, etc.
If shortcomings are discovered that entail significant financial expenses (how much does it cost to repair an apartment), resolve the issue with the former owners before signing the apartment acceptance certificate (this can only be done if you were not notified in advance about the presence of these problems with the transferred housing, communications, equipment).
Outline a plan for contacting authorities that can professionally and quickly eliminate the identified deficiencies.

How to make changes to housing and communal services receipts?

The procedure for re-registration of details in receipts takes place only when purchasing an apartment on the secondary market. And the list of authorities that need to be visited depends on the type of services provided.

This will definitely include water supply, electricity and heat (with central heating). Old houses have gas. A separate contract for the removal of solid waste can also be concluded.

The new owner, with a certificate of ownership (extract from the Unified State Register of Real Estate) and a passport, submits an application to the management company with a request to re-register the personal account in his name. After re-registration, you need to obtain an extract from the financial and personal account at the place of request. All that remains is to visit all resource supply organizations.

Important! When re-registering the details in receipts, do not forget to take with you an extract from the Unified State Register for the new apartment, a passport and a copy of your personal account.

The new owner can, if desired, transfer such services as an intercom, a landline telephone point and an Internet provider to himself or refuse service altogether.

Register

If you do not have permanent registration, register. To do this, within 7 days from the date of check-in, you can choose to contact:

any convenient MFC;
passport office of the Criminal Code (if there is one);
passport department of the Ministry of Internal Affairs;
on the State Services website.

For staying without registration for more than the period allowed by law, violators face a fine of 2,000 rubles.

Also, with a new registration it will be easier to apply to the nearest state authorities. institutions.

Where should you go after buying an apartment?

After purchasing an apartment, the new owner must contact the following organizations:

management company or HOA;
resource supply organizations (electricity suppliers, water supply organizations, gas service and others);
division of the Main Department of Migration Affairs of the Ministry of Internal Affairs (passport office).

But perhaps not all departments will have to be bypassed. All transactions are individual. It also depends on the type of apartment purchased.

Important! The acquirer has the right to use and dispose of the apartment only after entering information about the new owner into the Unified State Register of Real Estate.

Renewal of contracts with resource supply organizations

The following organizations also need to be notified of the change of ownership to avoid confusion.

Energosbyt
Vodokanal
City gas service
Re-register the telephone number installed in the apartment or disconnect it.
Re-arrange the services of your Internet provider.
If you don’t use TV or radio, turn off.
Apartment security services, if available.

At the same time, look at the meter verification period; if it’s running out, it’s worth updating. Now it’s much more expensive to pay for utilities without them.

If it turns out that the previous owner did not pay the utilities and now they are trying to collect his debts from you.

The Housing Code has Article 153 and it says the following:

“the obligation to pay for residential premises and utilities in relation to owned housing arises with the owner of the residential premises from the moment the right of ownership to the residential premises arises”

You don’t have to do anything, but it’s better to resolve this issue, even if you have to go to court. Why do you need surprises, for example, before going on vacation?

What should you do after you have bought real estate on the secondary market?

The necessary actions after purchasing real estate on the secondary market have a certain sequence of implementation.

Where to go to legalize property ownership?

First you need to register ownership of the purchased apartment . To do this, you need to contact the local branch of the Federal Registration Service, which collects and stores information about the rights to all real estate in a particular region.

You will need to collect the following documents:

Passports of each participant in the purchase and sale transaction.
The sales contract itself.
Receipt of payment of the state fee for registration of rights.
Power of attorney (in the case where a proxy is involved).
Technical passport for the apartment.
Completed application for registration of property rights.

Sometimes the registrar may require additional documents to confirm some information. It is best to find out this during preparation to avoid problems. The following additional documents may be required:

If the apartment was common property, then consent from the seller’s spouse will be required.
If a minor or incapacitated citizen participates in the transaction, permission from the guardianship and trusteeship authorities will be required.
If the apartment is mortgaged or encumbered with rent, then consent from the mortgagee or rent recipient will be required accordingly.

Typically, a certificate of title is prepared within one calendar month. And after that, the purchased apartment becomes the property of the new owner.

When and how can I register?

Registration is also an important step after purchasing an apartment. Unless, of course, it was bought for the new owner to live in, and not, say, for rent by other residents.

How long does it take to register for a new home? From the moment you receive the certificate of ownership, you must obtain a residence permit within one week . Otherwise, the new buyer may be fined up to two and a half thousand rubles.

Receive registration:

at the passport office;
in the MFC;
It is possible to submit an application through the state portal. services online.

Algorithm of actions:

To begin with, you should check out from your previous place of residence. In general, this is not necessary if the registration is in the same city - the person will be immediately discharged when applying for a new registration. But at the same time, the whole procedure may take a long time, and some passport offices may unlawfully require you to sign out yourself. Therefore, it is advisable to check out in advance to avoid such problems.
What to do next? You must submit a completed and signed application on Form No. 6. For minor children under 14 years of age, this is done by parents or legal guardians.
The following documents must be submitted along with the application:
When registering children, provide their birth certificate.
Document on ownership of the apartment.
Foundation agreement.
Departure sheet, in case of independent discharge from the previous place of registration.
After this, a day will be set for receiving the passport with the new registration.

Reference! If you are discharged prematurely, you can be registered in a new apartment even a day before. And after receiving your passport, it will already have a stamp indicating registration of the purchased apartment.

How to re-register personal accounts in the RCC?

Another need will be to contact the cash settlement center. There you need to re-register personal accounts in the name of the new owner of the apartment. For this you will also need a certificate of ownership of the apartment and a passport. You must submit an application to the RCC to re-register your personal account using the details of the new owner .

After re-registration, it will be advisable to take an extract from your personal account. And in the future, if erroneous payments occur, the owner will be able to easily prove that there are no outstanding payments.

Re-registration of utilities to yourself

After registering a personal account with the RCC, it is advisable to immediately address issues regarding utilities.

First, you need to contact the management company or homeowners association, where you need to draw up a service agreement.
Now you need to contact each of the utility supply companies. First, you should contact the energy organization and re-issue the energy supply contract to the new owner of the apartment. If gas is supplied to the apartment for use with a stove or water heater, then the same should be done at the city gas service.
Next, you should contact the water utility and re-register them. In addition, it is worth finding out the date of their last inspection, and if more than 3 years have passed since the last one, then it is advisable to authorize an unscheduled inspection. This will allow you to forget about it for the next few years.
If you have a landline telephone in your apartment and want to leave it, you need to contact the Rostelecom branch at your place of residence. You can also connect a telephone line there if you don’t have one. The same applies to television/Internet, but you need to contact the appropriate provider.

Contacting the Federal Tax Service to declare purchased housing

The tax return gives access to a property deduction for the apartment - 13% of its value. This money can be spent on many important purposes related to real estate and such an opportunity should not be neglected.

You need to submit the declaration along with other documents to the tax authority itself. When can this be done? There are no time limits for filing 3-NDFL in this regard; you can submit it on any convenient day and there will be no refusal.

When buying with a mortgage

Another nuance is residential real estate that was purchased with a mortgage.
Even if the owner lives there and is registered, he will not be able to obtain state registration of his property rights until he fully fulfills his obligations to the bank. Until this moment, the apartment will be pledged to him. When the loan is paid off, you need to contact Rosreestr, but in addition to the standard list of documents, you will also need to submit a mortgage agreement, as well as a certificate from the bank, which confirms that the entire amount and interest have been paid. The information will be checked in Rosreestr, after which, if there are no comments, the encumbrance will be removed by entering a corresponding note into the unified database. This takes about three days.

A request made through the official website of Rosreestr will allow the home owner to independently check whether the encumbrance has been removed and whether his rights have been registered. However, it is worth considering that information is not entered into the network immediately, but after some time, so it is best to make a request directly to the territorial department. In addition, it is important to check that all data has been entered correctly. The slightest mistake can cause big troubles.

Housing deduction

What should you do after buying an apartment? Property owners who officially pay 13% personal income tax can request a tax deduction. When purchasing housing without a loan, the maximum payment reaches 260,000 rubles, and in the case of a mortgage - 390,000.

First you will have to cope with all the previously listed tasks. Next, the citizen must contact the local tax authority. You will have to have with you:

income certificates;
passports of all home owners (and their birth certificates);
application for a deduction;
contract of sale or mortgage;
statements about the transfer of money for the operation;
marriage contract and marriage certificate (if available);
details of the account to which you would like to receive money;
tax return in form 3-NDFL.

This should be enough. An application for a tax deduction is usually processed within 2 months. About 60 more days are allotted for the transfer of money for the transaction.

Important: the Federal Tax Service may refuse the deduction on legal grounds. The refusal is provided in writing with justification for a particular decision.

New buildings

What to do after buying an apartment? The answer directly depends on what kind of property we are talking about.

First, let's find out what to do after purchasing housing in a new building. Such transactions are becoming more common. Citizens will need:

register housing in your name;
conclude an agreement with the housing office and energy sales;
open a personal account for the apartment;
carry out communications to the house (Internet, gas, etc.) if necessary.

As a rule, the listed operations do not take much time if you act promptly. And therefore, further advice will be given to speed up the provision of relevant services.

Service cost

Some people are interested in how much they will have to spend on re-registration of a home after purchasing it. Unfortunately, there is no way to answer this question unambiguously.

Reproduction of the USRN extract will cost 350 rubles. Additionally, citizens will have to spend money on concluding a purchase and sale agreement - 2,000 rubles and on an agreement on the allocation of shares - about 1.5-2 thousand rubles.

In general, after purchasing a home, there are no major obligatory expenses. Moreover, under certain circumstances, citizens can reimburse themselves for part of the costs of the transaction. We'll talk about this later.

Help for the Registry

What actions need to be taken after purchasing an apartment? As already noted, a citizen must re-register the property in his name. Only after this can you conclude apartment service agreements with suppliers and management companies.

What certificates are useful in Rosreestr? Usually this:

purchase and sale agreement (or mortgage);
applicants' personal identifiers;
application for re-registration of an apartment;
statements about the transfer of money to the real estate seller;
marriage and birth certificates;
receipt with paid duty;
USRN extracts;
agreement on the allocation of shares.

In some cases, a person will find it useful:

acts on putting the house into operation;
mortgage repayment schedule.

Income certificates and other civil documents are not needed. In fact, re-registration of an apartment to a new owner is the simplest task. It is much more difficult to renegotiate housing maintenance contracts.

The final stage of the transaction

After concluding a transaction, receiving a real estate property, making payment (unless other conditions have been agreed), the new owner of the property must immediately submit an application with documents to Rosreestr in order to formalize state registration of his acquired rights. Under no circumstances should this procedure be postponed, since as long as it hangs in the air, the seller officially remains the owner, and these are huge risks for the buyer.

There are several options for applying to Rosreestr and registering property rights; you can choose any one, the only difference is in convenience and timing. The following are currently available:

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Appearing at the territorial office of the registration authority in person is inconvenient except for the time it takes, the queue and dependence on the work schedule;
Applying through your local Multifunctional Center;
Sending a request and notarized copies of documents by mail (only registered mail, with a list of enclosed papers and notification of receipt);
Filling out an application electronically through the Rosreestr website is the most convenient option, but you will still need to come to the territorial office in person to get the completed papers;
Order a paid on-site service.