Coppola Immobiliare

Rent with option to buy , or preliminary reservation of ownership : the many faces of the rental with purchase option

Antonino Coppola — Fri, 16 May 2014 15:28:35 +0000

Rent with option to buy , or preliminary reservation of ownership : the many faces of the rental with purchase option

if you do not have the initial capital needed to buy a house , a good alternative is to choose the option to buy rent or lease with purchase option . it is an institution midway between the mortgage and the rent : the future buyer pays a monthly fee slightly higher than the market and has the option , after a number of years , to ” redeem ” the house to a sum already agreed upon, serving part of the fees already paid to the owner . but the world is partly unexplored , and not completely standardized , with redemption of the rent has multiple options

the characteristics of the rental with purchase option
it is a lease with the transition of property that provides advantages both buyer and seller. the latter has a chance to earn an income higher than that of a traditional lease (usually more than 14% share of the rent per month ) , plus an amount equal to the advance – 6/8 % of the value of the home

with regard to the buyer, immediately enjoys the usufruct of the house that is going to buy, do not pay property taxes that are the responsibility of the owner and has a number of years (usually 2-4 years ) to obtain the capital necessary to complete the purchase

the various options
those who buy home through the rent with redemption can choose between two different options

purchase with purchase option with the buyer is given the opportunity to transform at any time into a sale and lease fees are already paid an advance for the purchase . the buyer has the advantage of being able to choose whether or not to purchase the property. the disadvantage is that the latter can not claim repayment of the sums already paid , while the seller that it will be difficult to regain the availability of the property. terms of taxation, as taxes are initially leased and later as a purchase, while the property tax is paid by the seller

purchase with purchase with pre – hung presents the advantages and tax obligations of the rent with option , but you must specify that the contract is prelimare not to risk mortgages and transcripts for a preliminary ruling to the seller. alternative way to solve this situation is the transcript in the real estate records , but ” protection ” is limited to 3 years

purchase with automatic redemption : in the contract there is a clause that provides for the automatic transfer of ownership of the property by the seller / lessor to the buyer to reaching a certain number of canons

with reservation of ownership : There is a clause in the contract that the sale and subsequent transfer of ownership is in place only with the payment of the last installment

Rent insured

Antonino Coppola — Thu, 03 Apr 2014 20:47:34 +0000

INSURED FOR RENT is a special service offered by COPPOLA REAL ESTATE, born with the aim to protect the parties involved in the lease contract on exclusive terms .
Surety to guarantee 12 monthly
The ” surety to guarantee 12 month ” is precisely a guarantee issued by a company in favor of the owner to guarantee that the tenant pay on time the individual lease payments under the contract. It ‘ an additional warranty that certifies the creditworthiness of the tenant. If the tenant becomes the owner will have to start defaulting Semplicemte the procedure indicated in general terms in order to receive a refund of the monthly unpaid . The Company will compensate him up to the twelve month before then claim on the tenant for the amount reimbursed .
Security deposit 3 month
The ” Security deposit 3 month ” is a guarantee which ensures that the tenant leaves at the end of the lease , the property in good condition . This replaces the traditional security deposit paid in cash. The owner in this situation if it were to apply for a refund must simply prove the damages and attach a quote to restore dell’immobil . The Company will compensate him up to a maximum of three months before then claim on the tenant for the amount reimbursed .
Privacy Policy Legal
The ” Legal Protection Insurance ‘ is an insurance that covers legal costs to the owner , ie a lawyer, for extra-judicial or judicial practices such as evicting the tenant defaulting . The guarantee is given up to the maximum amount stated in board policy.
THE ADVANTAGE TO CHOOSE FOR RENT INSURED
For the owner
Certify the reliability of the tenant.
AffittoAssicurato is released only to tenants deemed reliable partner by the Companies .
• Eliminates the risk of default of the tenant .
In the case of tenant rent morosià Insured replaces the conductor in the payment of the fee, ensuring legal certainty lease payments and refunding any damage caused to the property.
• It ‘ s free!
In fact the surety to guarantee the timely payment of fees and the security deposit is paid by the tenant , while the legal protection insurance is donated by Rent Insured.
For the tenant
No immobilization of money
Rent Insured fact allows al’inquilino not anticipate and leave the immobilized three months , this is because the deposit is replaced by Rental Guarantee Insured , and then the surety to guarantee the timely payment of fees, if believed to be reliable , is granted to any of immobilization money.
• Investigation and outcome in a short time
The professionalism of our consultants and exclusive relationships with our partener allow us to give an answer within a few hours from the practice by the real estate agency .
• Certificate of Reliability
It allows you to overcome the distrust of the owner against you and so popping better economic conditions

Bare ownership

Antonino Coppola — Thu, 03 Apr 2014 20:25:03 +0000

What is the bare ownership ?
In 2012 there was an increase in the purchase of the bare ownership of properties by 40% over the previous year , and no wonder , since it is a mode that allows you to save and , in times of economic crisis , this is not a factor to be neglected . But what is the bare ownership of a property? It represents the fair market value , less the usufruct, that is the right to use the asset for life. In fact, in most cases, the usufruct is extinguished with the death of the usufructuary and the acquisition by the legal owner of the freehold , although there are cases of usufruct predetermined time . The usufructuary may then live , rent or even sell the usufruct of the property enjoyed by .
From the legislative point of view , the rights of usufruct and bare ownership are governed by articles of the Civil Code ranging 978-1020 .
The costs of maintenance are charged to the property owner of the nude , while ordinary maintenance of the usufructuary , who is required to keep it in good condition , without changing or damaging it.
However, the parties may agree otherwise in the contract .
Taxes such as income tax and the IMU are borne by the usufructuary , because the law stipulates that those who pay the availability of the property. This, too , therefore, may be a reason why it is convenient to purchase the bare ownership .
To calculate the selling price is the estimated value of the part and apply a reduction coefficient which varies depending on the age of the usufructuary .
These coefficients are periodically updated by the Ministry of Finance , based on the life expectancy in Italy , according to the statistics , and the legal interest rate .
Does the purchase of bare ownership ?
The purchase of the bare ownership can be a cost-effective solution for those who are not in a hurry to live in the home, but just want to make an affordable investment for the future, for example, a parent who wants to buy for his son .
It is worthwhile, however , consider 5 points :
1.Valutazione of the property : those who decide to sell your property with the formula of bare ownership can not avoid against relying on professionals in order to obtain a correct evaluation of the selling price .
2.Età seller: the value of a property in bare ownership changes as a function of life expectancy of the seller, as well as the future tenant , since this depends statistically the duration of the contract.
3 . Legal Statement : The sale of the bare ownership is legally recognized as sales negotiation and therefore subject to the legal regulations of the scope and are thus not possible private contracts or letters of intent while it is always necessary to rely on a notary for signing the contract of sale . A curiosity : since it is in effect a sale, this type of transaction can not be challenged by any heirs disagree.
4 . Real Estate Agency Fees : In the event you contact real estate agent , the commission to be paid to intermediaries is equivalent to that required for normal transactions of buying and selling real estate.
5 . Method of payment : the payment of the bare ownership can occur in two ways: the amount can be fully welded to the notarial deed , or , by agreement between the parties, the buyer can pay immediately on one side and the remainder may be rescheduled with monthly amounts until the balance of the entire value of the property . One mode , the latter, beneficial for both parties : the buyer , in fact, can avoid paying the full amount in a lump sum and the seller will have a monthly income of which use as a sort of supplementary

The reform of the land registry law is

Antonino Coppola — Sun, 23 Mar 2014 21:54:44 +0000

The proxy tax which contains the long-awaited reform of the cadastre has received final approval by the chamber. the proposed revision , for which full implementation will take five years , expected value and the category is not based more on the number of rooms, but on square meters. the final pension will also be determined by a mathematical formula that will link all the features of the property, the market value of the position

for years now we talk about reform of the cadastre , but the project became mired in the meshes of a policy to accelerate the project, already approved by the Senate in recent weeks , has been given in these hours by the new minister of economy Pier Carlo Padoan that indicated in the cadastral revision , one of the core objectives of economic recovery Padoan which has always proved more favorable taxation of assets that labor has said that we must ” ensure greater fairness in the determination of tax bases Surveying ”

the government will now have a year to adopt one or more legislative decrees for the complete overhaul of our tax system . but here are the cornerstones of the reform recently approved

– will be introduced a new system of classification in which the unit will no longer be room (the room ) but surface expressed in square meters

– the asset value will be calculated thanks to an algorithm (which will be multiplied by the square meters of the house ) . the starting point will be the market value per square meter , most likely found on the values of the Revenue omi , and consideranno a series of coefficients according to the characteristics of the property ( year of construction, maintenance , stairs, exposure , facing , central heating or central)

– the cadastral income will start from the annual rental values expressed per square meter , which will reduce the cost of routine maintenance , adjustments or the administration . the value will be multiplied by the area , thus obtaining the value of the new pension

– Taxpayers may request the correction of the new pensions , with the obligation to answer within 60 days

the reform of the cadastre will use the so-called ” federalism cadastral ” < / strong > or the involvement of Italian municipalities that the agency will provide revenue data that it is not able to find easily in the census commission calls validate statistical functions must participate expert indicated by the associations in the real estate sector, with maximum publicity and transparency of the statistical functions used

danger increases
reform must take place in the invariance of revenue, may not bring an economic burden for families and will have to take into account the socio-economic conditions and the extent and composition of the household , as reflected nell’isee it is a pivotal point , because the danger is now one of the possible price increases . at constant rates a cadastre based on the values of the Revenue would lead in fact to a sharp increase in taxes . solutions in order to preserve the invariance of revenue at this point could be two : revise the rates downward ( the most likely) or implemented as in other countries such as Spain, where the market value is felled for tax purposes.

Energy performance certificate

Antonino Coppola — Sun, 23 Mar 2014 21:24:06 +0000

The APE is a document that describes the energy of a building, a house or an apartment. It ‘an instrument of control that synthesizes a scale from A to G energy performance of buildings.

At the time of ‘purchase or lease of a building, as well as being mandatory, it is useful to provide information on energy consumption and increase the value of buildings with high energy savings.

The ‘Energy Performance Certificate (APE) should not be confused with the’ Certificate of Qualification Energy (AQE)