What risks do buyers of apartments in houses “under renovation” risk?


The house has been completed as part of the renovation - moving ahead! But it’s impossible to simply pack your bags and go to the first apartment you come across. The move takes place according to a certain procedure and with the preparation of a special package of documents. The nuances of the move depend on the residents, their status, whether they have a mortgage, and whether they plan to move to housing of an appropriate size or purchase additional square meters. But first you need to decide whether the apartment in the Khrushchev building belongs to the displaced people on the right of ownership or under a social tenancy agreement. The step-by-step instructions below will help you understand the details.

If the apartment is owned

Privately owned housing means that the apartment is entirely owned by a specific individual or family. It may have one owner or several, but they are always ordinary citizens. As a rule, real estate is acquired by inheritance or gift, more often under a purchase and sale agreement or a mortgage. You can check that the apartment is owned using an extract from the Unified State Register of Real Estate or a certificate of ownership.

In these documents you need to find the line “Copyright Holder”, in which the owner of the property and his share in the right will be indicated. A share of the right of 1 or 100% means that the apartment belongs to one person entirely. If the shares are written as 1/2, 1/3, and so on, then the property is shared, and such an apartment has several owners.

Attention! If the apartment is owned, then after the move the new housing will also be registered as ownership.

Step 1. Receive a letter with an offer to move

The first step is to receive an official letter from the Department of Capital Property with a proposal to move. This letter will indicate the characteristics of the future apartment, namely:

  • Address of the new apartment.
  • Area (in square meters).
  • Number of rooms.
  • Procedure and period for inspection of the apartment.
  • Address where you can get the keys.

You will definitely need a letter; without it, you cannot start the moving process. The envelope will be delivered personally or placed in the mailbox. If the letter has not arrived, and, for example, the neighbors have already received their proposals, you need to contact the Public Information Center with your passport.

Step 2. Inspection of the apartment

After receiving the letter, you have 5 working days to inspect the new apartment, for which:

  1. You need to come with your passport and letter to the public information center.
  2. Inspect the offered apartment carefully.
  3. If you are satisfied with the housing, you need to sign a statement of consent to the exchange. The application must be signed by all homeowners registered at the previous address.

When inspecting, pay attention to the following points:

  1. reliability of entrance and interior doors, window openings, absence of gaps and cracks;
  2. quality of apartment finishing - the government promises every displaced person comfort-class housing;
  3. the presence of a sink, bathtub, toilet in the bathroom, stove and protective apron in the kitchen;
  4. condition of the floors - in common areas it is porcelain tiles, in bedrooms there is laminate;
  5. operability of engineering systems: water supply, sewerage, electricity and gas;
  6. Sockets and switches must be ready for use and installed securely.

In other words, the inspection of the apartment should resemble the acceptance of new housing from the developer. If you have any comments, feel free to insist on drawing up an appropriate report indicating the violations. Within 7-15 days they will be eliminated and the displaced persons will be invited for a new inspection.

Step 3. Documentation

The move is formalized by an agreement to exchange one apartment for another. On the basis of this agreement, state registration of property rights will take place, after which the new owner has entered into full rights of ownership, use and disposal of housing.

The procedure includes two stages:

  1. Collection of necessary documents. To draw up an exchange agreement, specialists from the city property department will need:
    DocumentA comment
    Passports of all owners and registered residents of the apartment over 14 years of ageNecessary in any case, regardless of family composition
    For minors - birth certificatesIf the child is between 14 and 18, one passport will not be enough. You must also provide a birth certificate.
    Permission from the guardianship authorities to dispose of the apartmentMandatory if one of the owners of the apartment is a child or an incapacitated adult.
    Document of authority and passport of the guardianIf there is an incapacitated person among the owners
    Certificate of ownership or extract from the Unified State Register for the apartmentIf there is a certificate, it is better to additionally obtain a fresh statement no older than 30 days. If there is no evidence, an extract will be sufficient.
    Mortgage agreementIf the apartment is pledged to the bank, you must submit all documents related to the loan.
    Notarial consent of the spouseMandatory if the apartment has one owner, but it was acquired during marriage. If both spouses are owners (for example, in shares), then consent is not required.
    Marriage contractIn the presence of. In addition, you need to carefully read it in the part concerning the registration of new real estate and follow its provisions.

    Based on the submitted documents, Department employees will draw up an exchange agreement and inform you about the date of its signing.

  2. On the appointed day, you need to come to sign documents: an exchange agreement, an acceptance certificate. After registration, the specialist will issue the keys and advise on registering rights in the Unified State Register of Real Estate. After registration at the information center, they will issue an exchange agreement and an extract with information about the new owners. It is the extract that will be the main document confirming the rights to the new property.

Attention! If the housing is pledged to the bank, you need to re-register the right of pledge for the new housing. Each bank has its own re-registration procedures, so at the stage of paperwork you should contact your loan specialist and clarify this point. As a result of all manipulations, the mortgage encumbrance will be imposed on the new apartment.

Step 4. Moving

You can organize the move yourself or with the help of city authorities. In the latter case, the transport company’s services will be paid for by the city from the local budget. The organization of assistance is different for each home, so to apply for assistance in moving you need to contact your information center.

If the apartment is in social rent

Housing in social rent means that the owner is the city - and residents have limited rights to use the apartment, they can live in it, make routine repairs, and use it for its intended purpose. Such apartments are also involved in renovation, but unlike those displaced from dilapidated housing, renovation participants received an alternative:

  • register a new apartment for social rent;
  • obtain new home ownership.

It turns out that the second option is essentially a simplified housing privatization scheme. How to decorate an apartment is up to the residents themselves to decide. For some, it is important to receive significant capital in property, while others do not want to deal with paying taxes and other issues that the owner of the property decides.

Step 1. Receive a letter with an offer to move

A letter about the move is sent to all participants in the renovation - both owners and tenants of the premises. The document states:

  • Address of the new apartment.
  • Area (in square meters).
  • Number of rooms.
  • Procedure and period for inspection of the apartment.
  • Address where you can get the keys.

At the first stage, the letter is the key document, without which it is impossible to move to a new home. The envelope is brought in person or dropped into the mailbox. You can get the letter yourself using your passport at the public information center.

By letter you can sign up for a tour of the new apartment. You must inspect it within 5 business days of receiving the letter.

Step 2. Inspection of the apartment

The inspection of the apartment takes place with the participation of an authorized specialist, and as a result, a report is drawn up. If there are no comments, a statement of consent for the apartment is drawn up, which is signed by all residents registered at the previous address.

The inspection of the apartment should be as thorough as possible. You need to evaluate not only the appearance of the finish, but also the condition of the windows, doors, and ceilings. Be sure to check the functionality of engineering systems: water supply, ventilation, electricity.

If there are any comments, a report is boldly drawn up indicating the violations, which must be corrected within a maximum of 15 days.

Step 3. Documentation

At this stage, one of two contracts is drawn up, which will be the basis for moving into a new home:

  • exchange agreement – ​​upon receipt of ownership of the apartment;
  • social rental agreement - when registering an apartment on the same terms.

To formalize the contract, residents must collect and bring the following documents to the information center:

DocumentA comment
Passports of all employers over 14 years of ageNecessary in any case, regardless of family composition
For minors - birth certificatesIf the child is between 14 and 18, one passport will not be enough. You must also provide a birth certificate
Permission from the guardianship authorities to dispose of the apartmentMandatory if one of the residents of the apartment is a child or an incapacitated adult
Document of authority and passport of the guardianIf there is an incapacitated person among the residents
Social tenancy agreementIf there is no agreement, you will need a copy of the move-in order

Based on the submitted documents, Department employees will draw up an agreement and notify you of the date of its signing. If social rent is chosen, then one tenant signs it, and in the case of transferring ownership of the apartment, the signatures of all new owners will be required.

Attention! The exchange agreement must be registered in the Unified State Register of Real Estate. An information center employee will advise you on the registration procedure. There is no need to register a social tenancy agreement anywhere.

Step 4. Moving

To transport things, you can use the help of the city - then the costs of the transport company can be reimbursed from the budget. To do this, you need to submit an application using a special form to your information center or online through mos.ru.

Veterans, pensioners, disabled people, families with many children and other beneficiaries will also be helped with furniture assembly.

Step 5. Closing a personal account in an old apartment

A mandatory step is the re-registration of personal accounts and the transfer of the old apartment to the management company. The procedure is simple. Interaction takes place with specialists of your management company:

  1. Record readings of electricity and water meters with the help of a representative of the management company. You won't be able to do this on your own. You can agree on the time of the visit with the management company employees. The recording of the testimony is documented in a special act of withdrawal, in which you need to sign.
  2. Give the keys to your apartment to a representative of the management company and get from him a certificate of handing over the keys or an acceptance certificate for the old apartment.
  3. Transfer meter readings to energy supply organizations and pay off the final debt.
  4. With the act of taking readings and a certificate of handing over the keys, you can close personal accounts. For housing and utility services, this can be done in the public services center of your district, and for electricity - in your personal account on the Mosenergosbyt website.

Where will the renovation houses be built?

Where will the renovation houses be built and how will we find out the location of the future apartments for the capital’s resettlers? New buildings began to appear in seven districts of Moscow. Their total area will be about 100 thousand square meters. meters. An official representative of the capital's construction department reported this on his website.

This is the area of ​​​​Mozhaisk, Tsaritsina, as well as on the streets of Baumanskaya, Staroalekseevskaya, Black Lake, Kerchenskaya, Kakhovka, Kaskadnaya Molodtsova and Kronstadt Boulevard. And this is not a complete list of houses for renovation in Moscow.

Nuances of obtaining individual documents

Registration of certain documents for moving traditionally raises many questions. Below we will look at some of the nuances.

Extract from the Unified State Register for an apartment


Sample extract from the Unified State Register
Today, it is the extract from the Unified State Register that is considered the main document confirming ownership of real estate. Unlike the Certificate, the extract contains all relevant information not only about copyright holders, but also about encumbrances and the main characteristics of the object. You can receive an extract electronically via the Internet or in paper form at the public services department. The legal force of these options is identical.

On the Rosreestr website there is a special form for obtaining information from the Unified State Register of Real Estate, thanks to which you can quickly receive an extract to your email. To complete the request, you will need the exact address or cadastral number of the apartment, as well as the applicant’s passport details.

The production time for the statement is from 3 working days, the cost is from 300 rubles. Online payment for services is available.

Permission from guardianship authorities

If one of the owners or tenants of the property is under 18 years of age, then their share in the apartment can be disposed of only with the consent of the guardianship authorities. This also applies to renovation relocations.

Permits are issued by social protection departments at the child’s place of residence within 15 working days from the date of submission of the application. To obtain a permit you will need:

  • application - it is better to fill out and sign directly at social security;
  • copies of passports of all apartment owners;
  • passport or birth certificate of the child, parents’ passports;
  • copies of documents for the apartment;
  • personal account;
  • consent to the transaction from the child.

In connection with the renovation, other documents may be needed. We recommend that you clarify the list of required certificates at an appointment with a specialist.

There is no state duty for issuing a permit.

Notarial consent of the spouse

If an apartment was purchased during marriage and the spouses did not enter into a marriage contract, then it is automatically considered the joint property of husband and wife. It does not matter which spouse is indicated as the owner in the certificate or extract. A couple should only manage such an apartment jointly.

Therefore, to transfer an apartment for renovation, you will need the notarized consent of the spouse who is not indicated in the certificate, by analogy with a sale or gift. You can obtain consent from any notary on the day of application. Documents needed:

  • passports of spouses;
  • an extract from the Unified State Register for the apartment or a certificate of ownership;
  • Marriage certificate.

The notary will independently draw up the text of the consent and print it out on a special form. The cost of registration varies greatly among different notaries, and can range from 1000 rubles and more.

Who builds houses for renovation

For new residents planning to move from a cramped apartment to a spacious and new one, it is important to know who is building renovation houses in Moscow?

The competition was won, which will act as a contractor. Also, active participation is given to design organizations. Also, the state-owned enterprise “Civil Construction Administration”, which commissioned the largest number of meters in operation in Moscow, will be engaged in the construction of houses for renovation.

Buy additional square meters when moving

Renovation rules allow those wishing to purchase additional living space for a fee. In this case, the total area of ​​purchased housing should not exceed 100 square meters.

The additional purchase procedure is as follows:

  1. Receive a letter with an offer of an equivalent apartment. This step is also required when purchasing additional housing.
  2. You need to come with the letter to the public information center to receive a contract for an equivalent apartment. You don't need to sign a contract, just pick it up. The center will begin work on the day the resettlement starts. To obtain a contract you will need:
      owners’ passports and children’s birth certificates;
  3. certificate of ownership or extract from the Unified State Register of Real Estate;
  4. permission from guardianship authorities;
  5. relocation letter;
  6. notarized consent of the spouse.
  7. You can choose an apartment for additional purchase on the website of the Renovation Fund. This must be done within 30 days from the date of receipt of the contract for an equivalent apartment.
  8. After choosing, submit an application for additional purchase to the Renovation Fund. You must first agree on submitting an application with an authorized employee by telephone.
  9. Further registration of the additional purchase will take place at the Renovation Fund at 13 Ilyinka Street.

Read in detail:

All about mortgages: Interest rates of different banks; Requirements for the borrower; Real estate requirements; and other nuances.

At the Renovation Fund

The additional purchase procedure is slightly different from the usual purchase and sale on the free market. If at least one more person applies for the selected apartment, the Foundation will hold an auction; if not, they will draw up an exchange agreement.

Foundation specialists will need:

DocumentA comment
Passports of all owners and registered residents of the apartment over 14 years of ageYou need to make copies of all pages.
For minors - birth certificatesIf the child is between 14 and 18, one passport will not be enough. You must also provide a birth certificate
Permission from the guardianship authorities to dispose of the apartmentMandatory if one of the owners of the apartment is a child or an incapacitated adult
Parental consent for minors to enter into a transactionThe form must be clarified with the Fund
Document of authority and passport of the guardianIf there is an incapacitated person among the owners
Certificate of ownership or extract from the Unified State Register for the apartmentIf there is a certificate, it is better to additionally obtain a fresh statement no older than 30 days. If there is no evidence, an extract will be sufficient
A document baseThe agreement on the basis of which the ownership of the apartment to be transferred upon renovation arose
Mortgage agreementIf the apartment is pledged to the bank, you must submit all documents related to the loan
Notarial consent of the spouseMandatory if the apartment has one owner, but it was acquired during marriage. If both spouses are owners (for example, in shares), then consent is not required
Marriage contractIn the presence of. In addition, you need to carefully read it in the part relating to the registration of new real estate and follow its provisions
Statement that a person is not marriedFor all adult citizens who are not married
Extract from the house registerOr a financial personal account, an accounting card - you can get it at the public services center in your area
Agreement for an equivalent apartmentBe sure to indicate the date of receipt!
Receipt for payment of the security deposit and bank account details for returnFor cases when an auction opens for an apartment. Security in the amount of 100,000 rubles must be paid before the start of bidding. Payment will be refunded if another bidder wins

After concluding an exchange agreement, the move continues in the same way as in other cases:

  • organize transportation of things;
  • close old personal accounts and open new ones;
  • register at your new place of residence.

Discount for additional purchase

All participants in the renovation program receive a guaranteed 10% discount on the additional payment amount. In addition, all possible benefits apply to payment: maternity capital, housing subsidies and certificates.

Attention! Renovation participants have the right to purchase additional square meters within two years after moving to equivalent housing. In this case, a 10% discount is also provided.

Popular questions

Below we will look at some of the most popular questions about moving as part of a renovation.

Is it possible to get money instead of an apartment?

Yes, this opportunity is available upon application, which must be submitted to the City Property Department. The form will be provided by the department.

How to exchange one apartment for several?

The possibility of exchange is not provided for by the renovation rules. For an apartment, only one equivalent apartment in a new building is provided or the opportunity to purchase additional space.

Information centers are open from 12:00 to 20:00 from Monday to Saturday, and in the first two days after opening - from 9 am to 9 pm. The opening of the center occurs on the day the relocation of a particular house begins. You can view the address of your information center using this link.

Explanation from Ksenia Paltseva.

Houses for renovation in Moscow. Main risks.

One of the main risks is the lack of social infrastructure near new houses built for renovation. Agree, you are buying an apartment, but there is no school, clinic, kindergarten or basic social facilities near the apartment. And in the coming years, it is unknown whether the authorities are going to eliminate the lack of amenities in new residential areas. When purchasing apartments in a renovation building, first of all pay attention to:

  • Availability of schools, kindergartens, shops
  • Availability of medical facilities and leisure centers
  • Transport interchange
  • Availability of parking
  • Ecological situation of the area
  • Presence near noisy and hazardous industrial areas

The demand for apartments in houses for renovation directly depends on these factors.

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