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Select one of the frequently asked questions below to learn more about buying, selling, and renting real estate. Also, begin to think about important things to consider when diving into your real estate search.

Question about selling

¿QUÉ ES UN TESTAMENTO?

Declaración voluntaria de una persona expresando lo que quiere que se haga con sus
bienes después de su fallecimiento; es un acto solemne sometido a ciertos requisitos de
forma y en el que necesariamente consta la institución de un heredero.

¿QUÉ ES UN CERTIFICADO DE DEFUNCIÓN?

This is really just a matter of preference, but both newer and older homes offer distinct advantages, depending upon your unique taste and lifestyle.

Older homes can generally cost less than new homes, however, there are many cases where new homes can also cost less then older homes. Most new homes will not have any backyard landscaping and some don»t include any front landscaping either. With an older home, the landscaping is normally already completed and could have 10»s of thousands of dollars in landscaping done, which is included in the purchase price.

Taxes on some older homes may also be lower. Some people are charmed by the elegance of an older home but shy away because they»re concerned about potential maintenance costs. Consider a home warranty to get the peace of mind you deserve. A good Home Warranty plan protects you against unexpected repairs on many home systems and appliances for a full year or more after you move in.

In a new house, you can pick your own color schemes, flooring, kitchen cabinets, appliances, custom wiring for TV»s, electrical, computers, phones and speakers, etc., as well as have more upgrade options. Modern features like media rooms, extra-large closets and extra-large bathrooms and tubs are also more attainable in ground-up construction. In a used home, you rely largely on the previous resident»s tastes and technological whims, unless you plan to farm thousands into a remodeling and rewiring.

New-home designers can use new building materials such as glazed Energy Star windows, thicker insulation and other technology that will lower future energy costs for the owner. Most states now have minimum energy-efficiency requirements for new construction. Kitchens and laundry areas in new homes are designed to house more efficient energy-saving appliances. Older homes, unless they have undergone an energy retrofit, usually cost much more per square foot to air-condition and heat.

El certificado de defunción es el documento oficial que acredita la muerte de la persona.
Es fundamental para solicitar la pensión del cónyuge o para acceder a la herencia.

¿QUÉ ES UN CERTIFICADO DE ÚLTIMAS VOLUNTADES ?

El certificado de últimas voluntades es un documento en el que queda acreditado que un determinado sujeto ha otorgado testamento y ante qué notario lo ha hecho.

¿QUÉ ES UNA DECLARACIÓN DE HERENCIA?

La declaración de herederos es un procedimiento mediante el cual se determina quiénes son los llamados a heredar los bienes del difunto …. En concreto, cuando nos encontra­mos ante esta situación y no existe testamento otorgado por el difunto hablamos de decla­ración de herederos abintestato.

¿QUÉ ES UNA PLUSVALÍA POST-MORTEM?

La plusvalía de una herencia es el nombre con el que, de forma general, se conoce el Impuesto del Valor de los Terrenos de Naturaleza Urbana. La base de esta tasa, de carácter municipal, es abonar el aumento de valor de una vivienda producido entre el momento en que ésta fue adquirida y el momento en que se recibe en herencia.

¿QUÉ ES EL IMPUESTO SOBRE SUCESIONES O DONACIONES?

El impuesto de sucesiones y donaciones es un impuesto directo que tiene que pagar la persona receptora de una herencia o donación en vida. Aunque surgen de dos situaciones diferentes, los impuestos de sucesiones y donaciones se recogen dentro de una misma figura jurídica.

¿QUÉ ES LA PLUSVALÍA INTERVIVOS?

Es un impuesto municipal sobre el incremento del valor de los terrenos de naturaleza urbana.
Este impuesto fija una revalorización teórica del piso, partiendo del valor catastral y en función de los años transcurridos entre la compra y la venta. También en referencia al aumento del valor del suelo a causa de acciones urbanísticas como obras publicas.

¿QUÉ ES EL INCREMENTO PATRIMONIAL?

Constituye una renta sometida a gravamen la obtención de una ganancia patrimonial como consecuencia de la venta de un inmueble. Esta renta se entiende devengada cuando se produce la alteración patrimonial. Con carácter general, la ganancia se determinará por diferencia entre los valores de transmisión y de adquisición.

¿QUÉ ES UN ARTÍCULO 28 DE LA LEY HIPOTECARIA?

Las inscripciones de fincas o derechos reales adquiridos por herencia o legado, no surtirán efecto en cuanto a tercero hasta transcurridos dos años desde la fecha de la muerte del causante. Exceptúanse las nscripciones por título de herencia testada o intes­tada, mejora o legado a favor de herederos forzosos.
Esta limitación supone que hasta que no transcurra el plazo de 2 años desde la fecha de la muerte del causante, la inscripción de la finca a nombre de los herederos (nuevos propietarios) no surtirá efecto frente a terceros, con la posibilidad de que durante este plazo se pudieran presentar más personas reclamando parte de su herencia al no ser herederos forzosos legales y no haber testamento, por lo que en ese caso el inmueble tendría que volverse a repartir entre los nuevos herederos

¿QUÉ ES UNA AUTORIZACIÓN DE VENTA JUDICIAL POR TUTELA ?

El tutor necesita autorización judicial para realizar una serie de actuaciones respecto a posible venta o alquiler de los bienes del menor o incapaz que vienen señaladas en el código civil.

¿QUÉ ES UN TUTOR LEGAL POR INCAPACIDAD O MENOR?

Un tutor legal es alguien designado por el juez para que ayude a una persona que no puede comparecer ante el tribunal ni puede proteger sus derechos. En el tribunal de viviendas, los tutores ayudan la persona que ellos representan para que resuelvan su caso judicial.

¿QUÉ ES UNA DESCALIFICACIÓN DE VIVIENDAS PROTEGIDAS?

Procedimiento de descalificación de viviendas de protección oficial de promoción priva­da que supone la extinción del régimen legal de protección, quedando sometidas las viviendas al régimen general establecido en la legislación común.

¿QUÉ ES LA RENUNCIA DEL DERECHO DE TANTEO Y RETRACTO DE IVIMA Y EMVS?

El código civil no contiene una regulación específica del derecho de tanteo. El derecho de retracto aparece regulado en el Art. 1521 , código civil, que establece que: «El retracto legal es el derecho de subrogarse, con las mismas condiciones estipuladas en el contrato, en lugar del que adquiere una cosa por compra o dacion en pago».

¿QUÉ ES EL PLAN 18.000 O DERECHO DE SUPERFICIE?

El Plan 18000 es un plan del Ayuntamiento de Madrid que permite la descalificacion del suelo protegido. Hay que tener en cuenta que cuando compramos una vivienda protegida o VPO, hay diferentes opciones para liberarla.

¿QUÉ ES EL CERTIFICADO DE EFICIENCIA ENERGÉTICA?

El certificado de eficiencia energética es un justificante requerido por el Ministerio de Industria, Energía y Turismo para todas las viviendas que vayan a ser alquiladas o compradas por otra persona. Esta medida quiere conseguir una mejora de energía en todos los países de la Unión Europea.

Question about renting

How is interest calculated on a mortgage loan?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

Can a home depreciate in value?

Generally, real property never depreciates in value, or more so, it is not very common for property to depreciate.  This is why it’s a great investment. Make sure you carefully consider location and community when choosing a home, it can effect the homes future value greatly.

If you are in a newly developed area, do some research on the construction of the surrounding areas being developed to determine if they may effect your homes value.

Is an older home as good a value as a new home?

This is really just a matter of preference, but both newer and older homes offer distinct advantages, depending upon your unique taste and lifestyle.

Older homes can generally cost less than new homes, however, there are many cases where new homes can also cost less then older homes. Most new homes will not have any backyard landscaping and some don»t include any front landscaping either. With an older home, the landscaping is normally already completed and could have 10»s of thousands of dollars in landscaping done, which is included in the purchase price.

Taxes on some older homes may also be lower. Some people are charmed by the elegance of an older home but shy away because they»re concerned about potential maintenance costs. Consider a home warranty to get the peace of mind you deserve. A good Home Warranty plan protects you against unexpected repairs on many home systems and appliances for a full year or more after you move in.

In a new house, you can pick your own color schemes, flooring, kitchen cabinets, appliances, custom wiring for TV»s, electrical, computers, phones and speakers, etc., as well as have more upgrade options. Modern features like media rooms, extra-large closets and extra-large bathrooms and tubs are also more attainable in ground-up construction. In a used home, you rely largely on the previous resident»s tastes and technological whims, unless you plan to farm thousands into a remodeling and rewiring.

New-home designers can use new building materials such as glazed Energy Star windows, thicker insulation and other technology that will lower future energy costs for the owner. Most states now have minimum energy-efficiency requirements for new construction. Kitchens and laundry areas in new homes are designed to house more efficient energy-saving appliances. Older homes, unless they have undergone an energy retrofit, usually cost much more per square foot to air-condition and heat.

Builders have to follow very strict guidelines in new-homes and additions, especially in the West and Northwest, where earthquake safety standards must be observed. In general, new homes are usually more fire-safe and better accommodating of new security and garage-door systems.

Older homes can be better judged for their quality and timeless beauty. New homes that now possess a smooth veneer might reveal the use of substandard building materials or shoddy workmanship over time.

As you can see there are advantages and dis-advantages to each, but it really comes down to what fits you and what you are looking for in a home.

What is a broker?

An agent who is authorized to open and run his/her own agency. All real estate offices have one principal broker.

What is the difference between being prequalified and preapproved for a loan?

If you’re prequalified it means that you POTENTIALLY could get a loan for the amount stated to you, assuming that all of the information you provide to the bank is accurate and true. This is not as strong as a preapproval.

If you’re preapproved, it means that you have undergone the extensive financial background check, which includes looking at your credit history, previous tax returns and verifying your employment – and the lender is willing to give you a loan, basically meaning you’re approved!

You will usually be provided an accurate figure which shows the maximum amount that you are approved for.  Most sellers prefer buyers that have been preapproved because they know that there will not be any problems with the purchase of their home.

What is title insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

Can I pay my own taxes and insurance?

When a loan is originated, the mortgage documents specify the escrow conditions. This has become a standard practice for all mortgages, including FHA, VA and conventional mortgages.  Occasionally on conventional loans, FRFCU waives the collection of escrow requirement at closing if the member has a minimum 20% equity position in the property.

Is there a minimum credit score?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.