Foreign natural and legal persons in Slovakia are authorized to acquire private property in the following property:
- Residential (apartments, houses);
- Commercial Real Estate;
- Plots of land with building permit.
According to the law to foreign natural persons is prohibited
buy land in agricultural use hozyaytsvennogo and forests, but
for legal entities registered in Slovakia (and in fact
The case of, if the gene. director and the founder are not residents)
allowed to purchase all types of real estate.
Your purchase and sale
includes a contract between the seller and the owner and
registration of the transaction at the notary. Registration and check-in
inventory of real estate is 14 (or more) days.
Payment method
- At the discretion and mutual agreement of the parties, recorded in
contract. Typically, the bank opened a special account under
sales contract with the agreed investment amount. When
presentation of documents to transfer ownership by
razblokuruetsya to the seller. Supporting document is an extract from the cadastre of real estate. Before signing the contract
signed an agreement on the contract and the buyer makes a deposit of 10%
value of the property.
 Additional expenses related to registration payable:
Fee, which is about 250 euros and 350 euros
banking service charge.
Property Taxes in Slovakia low, in the 100-200 euros per year.
Cost kommunalnh services - around 100 euros per month.
Banks. Credits. This area today is working at the level of world standards. In 1999. the first government of Mikulas Dzyurindu has updated the banking sector. The banks were cleared of unprofitable for them to credit enhanced capital and sold to foreign banks to investors. The move paid off at 100% .0 Today, for the people, for business development banks offer advantageous loans and borrowings. The most popular now is a mortgage lending
Foreign nationals purchasing property in Slovakia have the opportunity to get a mortgage. Credit may be distributed for the purchase, construction, repair nedvizhimosti.Nuzhno noted that banking products are constantly changing. There are more and better opportunities of crediting the purchase, construction or real estate. Slovak banks now offer loans rozlichnye both residents and nonresidents, there are possibilities of funding and up to 100% of the value of real estate, but basically, when buying new developments such as the mortgage covers 90% of the price of real estate. At the secondary housing mortgage, until recently, covered only 70% of property value.During the construction through banks can be financed without any problems 100% of the price of the project.
At the moment, there are many different mortgages such as:
- SPOROhypo-úver - a mortgage that offers the largest Slovak Slovenian SPORITELNYA kommertsionny Bank, the 2001 main investor is the Austrian bank Erste Bank der oesterreichischen Sparkassen AG
The term of crediting one 4 to 30 years
Minimum credit 200 000 Sk (6,000 euros)
You can get a loan of up to 100% of the estimated value of the investment
Ensuring the right to property hostage tries. Slovakia
Credit can get individuals, as citizens of Slovakia, and citizens of other states
To open a credit in a Slovak bank must submit the following documents:
completed and signed application client, and in the presence of her husband (oops)
passport
income statement and the contract with the employer (in English or certified translation)
account statement for last 3 months, which receives the declared income (in English or certified translation)
paper on the assessment of property (property appraisal must be conducted by a licensed appraiser, who are entitled to judicial appraisal).
Statements by the bank is considering a period of two weeks, the period of consideration is different depending on the bank and the amount.
It should be noted that the conditions for obtaining the mortgage settlement legislation in Slovakia clearly. Demand and competition among the banks are doing their work in improving the financing from the bank. Very common in recent American mortgages, which offer a number of banks in Slovakia. In this case, you want to grant only the passport. Credit is made under a pledge of property. The loan amount can be up to 100% of the appraised value of the property. Mortgage example of the type of American mortgage lending showed progression in Slovakia and what you can expect continuous improvement of financial systems. It should be noted that an alien who has a residence permit, can easily use almost any lending of banks in Slovakia.
Typically, the minimum loan term of 4 years (there is 1 year) as you may receive credit for up to 30 years. The interest rate on the loan is 3,5-6% depending on bank lending period, the age of the applicant and the like.
There are bank certificates that are issued to clients after filing an application for a mortgage loan without specifying a particular property. Certificates are like your bank's estimate of solvency, which describes the terms, amount and interest rate future credit. Valid Certificate of 4 months old. |
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Buying property - Slovakia