Buyer's expenses when buying an apartment: lists of payments

The great schemer Ostap Bender knew about 400 relatively honest ways of taking money from the population. Realtors know only one thing - hidden commission, but a great many methods and schemes for extracting it from dishonest real estate agents have been invented.

In appearance, everything may look decorous and noble, but the owner of the apartment until the last moment, or even never at all, will be able to suspect anything and find out that realtors have earned a double profit on his apartment.

I read in detail the materials posted on the Internet on the topic of hidden commissions and realized that in reality few people know about this. And I decided to present my vision of the problem of hidden commissions, so to speak, from the inside. I am sure that my opinion of a practicing metropolitan realtor with extensive experience in real sales, as a professional market participant in the segment of secondary real estate, about the hidden commission will be very interesting and certainly useful to many sellers and buyers of secondary real estate.

Hidden commission in the secondary real estate market is usually understood to mean the amount of money that was received by a realtor for his services without the knowledge and consent of the owner of the property being sold; this is the difference between how much the property was actually sold for and how much the client received during the sale transaction. Realtors resort to various methods and frauds in order to earn money in addition to the remuneration specified in the official contract. Hidden commission, and in professional real estate jargon this is a hidden commission, appears in many apartment purchase and sale transactions, but hardly any of the owners and buyers are aware of its presence.

Hidden commission at the top

One of the most common methods of extracting a hidden commission: when contacting an advertisement for the sale of an apartment, you, as a potential client, are told that the price is currently higher, exactly as much as the current appetite of your agent, the numbers are usually taken from the ceiling - both 50 and 100 , and 250 thousand. The most interesting thing begins at the transaction, because the realtor needs to cash out the gain - a hidden commission can be placed in a separate safe deposit box, under the pretext of a voluntary remuneration from the opposite party, the buyer, to your realtor; a double sum can be given by the buyer to the realtor before the transaction in hand. It often happens that the seller sees a discrepancy between the amount of money in the contract and the amount that actually appears in the transaction, this is all calculated by cunning agents, because the owner realizes the maneuver on the part of the trustee too late and, often, cannot do anything about it , the temptation is too great to successfully complete the transaction and get your money. Unscrupulous realtors, like all scammers, are very subtle psychologists.

What is included in the agent minimum?

The standard range of services to support real estate transactions includes:

• selection of possible offers based on client databases and other sources of information;
• preparation for review of possible proposals, direct participation in it;
• conducting a preliminary analysis of documents on the property, the ability to accept the landlord’s conditions,
• contractual obligations of the parties, their development in these conditions,
• organization of payment, preliminary work on concluding an agreement, draft agreement on the client’s terms.

Responsibility for the services provided lies with the realtor only if an agreement is concluded. Separate clauses of the contractual obligations define the range of his responsibilities. At this moment you need to decide what to pay the realtor for. ,

accompanying the transaction.

Hidden commission, scheme - big jackpot

The rates are rising, I’ll tell you about another popular way to receive a hidden commission. In the process of selling an apartment, the realtor informs you that there is no demand for the property, there are no calls on the ad at all, and offers you to reduce the price. He will make proposals to reduce the price of the apartment repeatedly, until the property on the market becomes super liquid - sweet and tempting, which can be sold with your eyes closed. There is a queue of customers. In this case, the agent does not have to do anything; he patiently waits for one of the potential clients to offer him a bonus in the form of a hidden commission, if only the apartment remains his. With this scheme for receiving double commissions from a sale, the realtor tries to get it in hand in advance, so that the owner of the transaction cannot suspect anything and does not ask unnecessary awkward questions, such as - what is this half a million and where did it come from?

With such a development of the plot, the owner may suffer much more, because in this case the fat is not taken from above, but is cut directly from his piece of the pie. In this case, the realtor receives a double hidden commission: both from the principal - his client and from the buyer of the apartment.

Will you hide a secret in the deal?

Bury money in a deal, in other words in realtor slang, a hypothetical opportunity to receive a hidden commission - this kind of offer from a counterparty can often be received when you sell your property. In fact, they are offering to enter into a criminal conspiracy and commit forgery. How do they hide the hidden commission in a transaction with this scheme? Unclean realtors put up a fake advertisement for the sale of an apartment; they use this trick to catch an unlucky potential client, take him into circulation, and begin to dance around him, sketching out all sorts of apartment options. But all this lace is needed for the most part only as a distraction, to lull vigilance and to strengthen the connection with the client. In the meantime, the main objective of the fraudulent scheme is being realized - a search is underway for a rotten agent who is colluding with the real property, who will follow their lead and collude with them, and not the property itself. Having agreed with realtors, the agent changes the price of the apartment in the ad for several days, taking into account the hidden commission and shows it to the client. Next, the client is led by all kinds of persuasion to purchase this particular apartment; to achieve the intended goal, the entire real estate arsenal is brought to bear - eloquence, contrast, horror stories, etc.

Working for clients are pure intermediaries in the market; they have nothing but a language and a telephone number. They do not sell anything, do not advertise themselves, are not actively searching for clients, and do not incur any financial costs at all. They look for a client for a duck, find out his needs, and look for a rotten realtor with a real apartment for him, and pack him up. They hang out in the market like shit in an ice hole, sticking to one bank and then to the other.

Realtor commission: how much does his work cost and what does it include?

The psychology of a real estate market client is the same at all times - no one likes to pay intermediaries. The crisis also encourages saving: citizens do not have extra money, and with the development of electronic services, agency clients tend to do a lot on their own, sharing their work with specialists. But real estate agencies do not remain indifferent to the situation: they provide discounts and reduce the cost of real estate services.

Realtor commission: lower and upper limits

How much do real estate agencies charge today? Experts interviewed by an observer of the portal “Real Estate Market Indicators IRN.RU” named a fairly wide range - from 2% to 6% of the transaction amount. The percentage depends on the agency’s practice, the complexity of the operation, the market situation and specific agreements.

Commentators' data varies slightly . General Director of the Teremok real estate agency (Pushkino) Konstantin Manchenko reports that the realtor's remuneration ranges from 2% to 5%. According to Mikhail Kulikov, director of the secondary market department at INCOM-Real Estate, from 4% to 6%. Kulikov clarifies that if the deal is difficult, for example, you have to resettle the capricious inhabitants of a communal apartment, the amount of remuneration may increase. Or - decrease to 3% if the realtor is only engaged in the sale of a vacant apartment.

But nowadays realtors prefer not to be angry. According to the observations of Maria Litinetskaya, managing partner of Metrium Group, the average realtor's remuneration is 2% of the contract amount. This figure decreases to 1-1.5% if the property is expensive, and in the mass housing market realtors are paid 2-2.5%. So, due to the crisis in the industry and high competition among agencies, realtor services have become cheaper. “In 2013-2014. the broker’s commission on the secondary market was on average 3%, and now it’s actually one and a half to two times lower,” concludes Maria Litinetskaya.

There are companies that use a tariff payment system. So, according to the acting Head of the city real estate department of the North-Eastern branch Elena Mishchenko, in transactions with apartments worth up to 6 million rubles. the commission is 150 thousand rubles. Over 6 million rubles. – 2.5% of the cost of the object. For alternative transactions (when one apartment is sold at the same time and another is bought immediately), discounts apply on purchases - 100 thousand rubles. for each selected object.

“In general, the size of the commission in the capital is 150-200 thousand rubles. for a simple transaction and 250-350 thousand rubles. on a complex, associated alternative,” says Nikita Orlov, General Director of the LIANA Academy of Sciences, Moscow, partner of the Megapolis-Service Kyrgyz Republic. In the Moscow region, fees are more modest: according to an expert, the commission in some cities in the region is 50-100 thousand rubles.

The services of private realtors working in the Moscow region are estimated at 90-120 thousand rubles for a “simple” transaction and 180-200 thousand for an “alternative”.

Who pays - the seller or the buyer?

In the real estate market, those who need the help of a realtor the most pay. As Konstantin Manchenko (Teremok, Pushkino) recalls, at the beginning of the 2000s, when the market was going uphill, buyers paid commissions to realtors. They needed the services of professionals more than sellers: apartments were being snapped up at that time, and they had to find the right option. Today it’s the other way around, so it’s mostly sellers who “reward” realtors.

If the transaction is alternative, and the client is both the seller and the buyer, then he, naturally, pays for everything.

What do we pay for on the secondary market?

Now “give me the details” - what kind of services do they charge us for? In fact, realtors have many responsibilities, and they are stipulated in the contract concluded with the agency. This includes assessing the state of the market, analyzing the price situation in a particular area, and selecting options, comments Oksana Vrazhnova, chairman of the board of the group. The realtor helps the buyer obtain a mortgage, organizes viewings, and the company’s lawyers analyze documents and check the legal purity of the property. The realtor negotiates with the sellers, ensures mutual settlements (including prepayments), and prepares a draft purchase and sale agreement. The range of his services includes signing and submitting a purchase and sale agreement for state registration, organizing the transfer of an apartment to the new owner according to the transfer and acceptance certificate, etc.

When selling, the realtor also evaluates the market, organizes an advertising campaign, showings, and negotiates the terms of purchasing an apartment; accepts prepayment on behalf of the client, collects documents, prepares an agreement, organizes mutual settlements and signing of an agreement, submits documents for state registration, transfers housing to the buyer.

New buildings market: commission is lower than on the secondary market

In the market of new buildings you cannot do without a realtor - it is impossible to buy an apartment from a foreman at a construction site. So the developer either creates his own housing sales unit or negotiates with a real estate agency. As Nikita Orlov (AN LIANA, Megapolis-Service) explains, when selling new buildings in Moscow, a standard scheme applies, when the realtor’s remuneration is paid by the developer, not the client. The commission for the sale of an apartment in a new business class building is 1%, and in the economy and comfort segments – 2-3%. If the new building is located in the Moscow region, then the commission amount can be up to 5%.

For example, in Orekhovo-Zuevo near Moscow, according to Elena Tanaeva, general director of AN Megapolis-Service LLC (Orekhovo-Zuevo), commissions of about 2-3% are practiced, and one of the city’s developers generally pays realtors a fixed commission of 25 thousand rubles.

The buyer, for his part, also pays the agents to support the transaction and register the property. According to Maria Litinetskaya (Metrium Group), this is 1-1.5% (usually 1%) of the contract value. The amount can be 70 - 150 thousand rubles, says Marina Piatrovich, head of the secondary housing sales department.

Each project has its own rules for paying for real estate services, explains Litinetskaya. For some, 1% also includes the amount for booking an apartment, which is then included in its price. Someone offers a fixed price for transaction support, regardless of the purchase budget.

Often, buyers of new buildings perceive a realtor as an intermediary and expect additional monetary costs, notes Oksana Vrazhnova (“MIEL”). But this is not true: the cost of meters is the same for both developers and realtors. Sometimes clients think that it is easier to get a discount from the developer or increase its size, but this is also a misconception. When a developer provides a discount, both the broker's clients and the developer's clients receive it. Sometimes a realtor can have a larger discount - due to part of the commission that the developer pays him.

The services of a realtor, for which the buyer of a new building pays, are described in detail in the press service. Usually the client is provided with a personal manager who helps him find an option and choose a convenient payment method. If we are talking about a loan, the bank will advise you on suitable conditions. But the main thing at the initial stage is to conclude a reservation agreement, guaranteeing that the chosen apartment will not be bought by someone else.

Then, an equity participation agreement (EPA) is concluded between the client and the developer. The manager organizes the signing, prepares documents for registration of the child-care center in Rosreestr, conducts their legal examination (there may be shortcomings or discrepancies in the documents), and represents the client’s interests in the body that carries out state registration. Finally, the registered contract is transferred to the buyer.

After the house is delivered, the realtor helps you register ownership. In all cases, he acts on behalf of the client on the basis of an agreement for the provision of paid services and a notarized power of attorney.

Rent: they also began to charge less

And the rental market does not remain aloof from general trends: the cost of hiring, the amount of the deposit and commissions are decreasing. Let us remember that in the “fat” years in Moscow the tenant had to pay triple the price, but today this is no longer the case. According to Konstantin Manchenko (Teremok Academy of Sciences, Pushkino), realtors take 30-60% of the cost of monthly accommodation, less often - 60-100%. Maria Litinetskaya (Metrium Group) believes that commissions average from 20% to 80% of the monthly payment.

“The passing percentage in the capital’s rental market today is no more than 50%. There are, of course, advertisements in which the commission amount is indicated as 100%, but I can’t imagine who in our economically difficult times would pay such an amount,” Nikita Orlov (LIANA Academy of Sciences) expresses his point of view. Security deposits (collaterals) have also decreased, often amounting to half the monthly payment. In the Moscow region, rent is cheaper, and accordingly, the services of a realtor cost less, and, by the way, they may not take a deposit at all.

According to Konstantin Manchenko (“Teremok”), who works in Pushkino near Moscow, previously the commission was paid by the tenant, but today, with a large number of offers and high competition, it is the landlord. In some cases, the parties pay equally. Elena Tanaeva (Megapolis-Service, Orekhovo-Zuevo) claims that the employer is still paying for the realtor’s services.

In Moscow, in most cases, the commission is paid by the tenant. The lessor undertakes settlements with the intermediary in expensive projects when, according to Nikita Orlov (LIANA AN), the monthly amount of rental payments ranges from 60 to 100 thousand rubles or more.

The service to the tenant consists of the fact that the realtor is looking for a rented apartment - he selects options, calls, finds out the owner’s conditions, organizes viewings, and draws up an agreement. The realtor, accordingly, helps the landlord find a tenant, places advertisements, and also warns of possible risks - an unexpected move, “renting” meters to other tenants (subletting), using the housing for some other purpose. All these points are specified in the contract.

As Oksana Polyakova, deputy director of the apartment rental department at INCOM-Real Estate, adds, in the company, cooperation with clients continues even after the conclusion of the transaction - homeowners receive a “Guarantee”, and, according to this document, the agency supports clients throughout the entire rental period, helps resolve disputes. It is provided to landlords free of charge: the company is interested in ensuring that its database is constantly updated. “Warranty obligations” apply to tenant clients; they are included in the range of services with standard payment.

The services of private realtors in the rental sector cost about the same, but we must keep in mind that some private owners sin by not initially declaring the full amount, and then the client has to pay extra.

Why the Internet does not replace a realtor

Theoretically, if you stick your neck out, you can do without a realtor, but you need to understand that resolving the housing issue takes a lot of time and effort. “The illusion - “I can do everything myself” arises due to massive advertising in the media of real estate databases, where supposedly the owners’ apartments are located and everything is quite simple, like in the movies: I saw an ad - chick - met the owner - chick - I’m moving to a new apartment “,” Marina Piatrovich (“Azbuka Zhilya”) sneers. “Many of the potential clients believe that they can sell the apartment themselves, but after trying to do this and being “idle” on the market, they return to us,” agrees Elena Tanaeva (Megapolis-Service).

However, you can take on some of the realtor's worries and thus try to reduce the amount of commissions. Thus, due to some humanization of the relationship between “presences” and visitors, and the development of Internet services, it is not difficult to collect a package of documents for an apartment yourself. You can also submit an ad and choose an option - there are a lot of databases available on the Internet; to be sure, you can also acquire the WinNER realtor database for a couple of months. But the legal support of the transaction should be entrusted to the legal departments of real estate companies or third-party law firms specializing in the real estate market. According to some experts, such savings do not make much sense, however, for example, they have a service called “Transaction Support” and, according to Elena Mishchenko, it costs 100 thousand rubles.

What is the value of a professional “live” realtor and why won’t Internet services completely replace his services? Realtors, for example, form complex chains of buyers and sellers that arise during alternative transactions, and in our country, as Mikhail Kulikov, director of the secondary market department at INCOM-Real Estate, reminds us, there are now about 80-90% of them on the secondary market.

In “chains” people get nervous and can throw out some kind of trick, even abandoning the deal on the eve of the important day. A good psychologist, who is a real realtor, can calm them down, Mikhail Kulikov emphasizes, he knows how to find a compromise in almost any situation. “And online databases have not yet been improved to such an extent that they can also cope with the human factor - this is hardly possible at all,” the expert comments.

A special issue is checking the legal cleanliness of an apartment on the secondary market. To be honest, no one will give a 100% guarantee that no further troubles will happen to your apartment, but the agency’s legal service will help to significantly reduce the risks. “Sellers may hide important facts about the property. For example, registered citizens remain in the apartment or nuances arise related to title documents, as well as issues with inheritance, expired or forged documents, debts for housing and communal services,” lists Marina Piatrovich (“Azbuka Zhilya”).

One cannot discount the ability to bargain, which, as Piatrovich notes, saves the client money. And sometimes the commission will be much less than the discount negotiated by the realtor.

The above applies to the housing purchase and sale market. As for the rental segment, it has felt the influence of the World Wide Web to a greater extent, states Oksana Vrazhnova (MIEL). Citizens often look for housing or tenants without the participation of a realtor - through social networks, or try to deal with friends. “But this is more typical for economy class apartments and rooms. Tenants and owners of the more expensive segment still prefer to contact companies with a good reputation,” the expert notes.

Summary

Whether or not it is worth contacting realtors, whether to trust him with the transaction entirely or to take on some of the tasks is up to the consumer to decide. If a person is going to turn to professionals, then the main thing is to find a good specialist and agree on everything “on the shore”. Realtors understand that no one today will just spend money.

Current projects of the Inteko company (December 2021)

TableMap

Data source: Real estate database IRN.RU

Hidden commission - ambiguous professional opinion of realtors

In the professional environment of realtors, there are three main opinions regarding the admissibility of concealment: something like - for, against and abstained:

• Hidden fees are not acceptable under any circumstances.
• In some cases, double earnings are still acceptable
• There is no way to work without a hidden commission

In short, the ratio of supporters and opponents of the hidden commission is approximately equal, 1:1. And this is easily explained; many people come into the profession precisely because of the possibility of large earnings that are not taken into account anywhere.

Personally, I am against hidden commissions, and not because this answer is popular and beneficial to me, and puts me in a better light, far from it. I am for open, trusting official relationships with clients, which in practice I secure in an agreement for real estate services with a fixed commission rate, which in turn does not change under any circumstances and is paid only after the transaction is fully completed. Everything is transparent. As a self-sufficient person who values ​​his business reputation, and most importantly his time, I will directly and frankly tell the potential client from the beginning how much the services of a realtor will cost in his particular case, how much I want to earn from it. And I won’t wag my tail in an attempt to fool him - first to lure him with the cheapness of services, and then, as the play progresses, to raise him according to the size of the agent’s remuneration.

Additional possible costs

At any stage, additional difficulties are possible due to the identification of certain obstacles on the way to completing the procedure. For example, the owner of an apartment turns out to be married, and the apartment belongs to joint property, which entails the need to obtain written consent of the legal half for the alienation of property.

The amount of additional fees and charges should be examined in advance and included in the final cost estimate.

Notary

The legislation does not establish requirements for the mandatory participation of a notary, but in some circumstances his participation is necessary.

The amount of payment depends on the purpose of the appeal:

• drawing up legally significant documents (agreement, written consent);
• certification of the legality of the document;
• execution of powers of attorney for attorneys on each of the parties to the transaction.

Realtor job

Payment for the services of a realtor is not included in the mandatory list, however, in practice, selling an apartment involved in a chain of transactions, or if there are disagreeing parties, applicants for housing, or ownership of property by minors, cannot be done without the professional help of a real estate specialist.

The realtor works under a separate contract, and payment depends on the purchase price. Even a small percentage of the transaction amount promises a good income for this employee.

It is recommended to agree in advance on the procedure for settlements with the specialist - payment equally (by the seller and the buyer), including the price of the service in the total cost of the apartment.

Hiring a realtor is often associated with a person’s inability to independently collect papers and coordinate future re-registration with various authorities and the other party.

List of related expenses

It is impossible to fully foresee all costs. Sometimes, during the re-registration process, claims from a third party arise, which entails litigation and legal fees. Ignoring the seriousness of the consequences of a claim challenging a transaction risks leading to the loss of real estate, payment of legal costs, or, at a minimum, a registration ban on re-registration. The seriousness of the consequences will be reduced by the work of a hired professional - a lawyer specializing in real estate issues.

Hidden commission from a legal point of view

From a legal point of view, a hidden commission qualifies as the taking of property; interpretations and opinions of lawyers differ in details, but in one thing they are similar - this is pure deception of the client.

In most cases, the actions of realtors fall under Article 159 of the Criminal Code Fraud, that is, the theft of someone else’s property or the acquisition of rights to someone else’s property through deception and abuse of trust.

As a rule, real estate fraudulent schemes do not shine with sophistication, and are mostly simple-minded, known to many, and are not particularly difficult to investigate. However, only isolated episodes, and even the most egregious ones, for example, during which serious material damage was caused or real estate was completely and irrevocably stolen, receive wide publicity and go to trial.

Basically, realtors, if they realize that their cunning plan has been discovered, try not to wash dirty linen in public and not bring the matter to court. They make every effort to compensate the client for damages and make amends to him before the trial, solve the problem quietly and part ways amicably.

Who trades in stealth?

It is generally accepted that mostly fly-by-night companies are trying to push through hidden commissions in transactions for the purchase and sale of secondary real estate. However, large metropolitan offices are also guilty of this and often indulge in this. And indeed, the chance of running into a fraudster in an unknown office is much higher than in a real estate agency with a big, respectable name. But greedy realtors, who are driven only by the thirst for instant profit, who live one day at a time, do not care about business reputation, and who have no business education, and completely lack any signs of moral principles, exist both here and here.

Hidden commission - where the legs come from

The secondary real estate market is an unplowed field of activity for all kinds of scammers. It was the favorable conditions created in the market for its professional participants that gave birth to such an ugly child as the hidden agent commission. For the most part, the owners themselves are to blame for this, due to their illiteracy, greed and arrogance. An agent must know all the subtleties of human nature - psychological issues by heart; a dishonest realtor may be a lousy salesman, but he must be an excellent psychologist.

In the dashing 90s, in general, darkness reigned on the market; at that time, a huge number of shady characters rose in real estate. With the transformation of the market, many semi-criminal elements were washed out of real estate in a natural way - they were no longer so interested in grazing here, but this relic has not yet been completely eradicated.

Hidden commission - the work of a drowning man

But even at the moment there is a high probability of falling into the hands of an unscrupulous, dishonest realtor or a real estate agency with a dubious reputation. It is in real estate agencies that most fraudulent schemes are generated to extract hidden commissions from transactions. There is intense competition in the market for the provision of real estate services - neck and neck, the services of large metropolitan real estate offices are inferior in all respects, for example, to the services of private realtors. Therefore, every day new intricate and sophisticated schemes for maximum earnings are being invented. In attempts to justify their presence in the market, like the death throes of a drowning man, dark thoughts and not entirely legal methods of earning money are born in agencies.

What to do if the seller still has debts on utility bills

If the owner of the property being sold still has utility debts, he will not be given a personal account and a certificate (permission to carry out the transaction). This is not scary, since these papers are not required to register the transaction, but they are important to the buyer.

In this case, the buyer makes a deposit to the seller in the amount of the debt and covers the debt. After this, they enter into a contract for the sale of housing. But you can sign the document immediately if the seller deducts the debt from the total amount. After which the new owner will be able to pay utility bills.

Hidden commission when renting a home

The desire to earn money, and more, arises among professional participants in the real estate market in all its segments. Renting a home is no exception. How a double hidden commission is extracted from the pockets of gullible clients when renting apartments.

Everything is very simple. The market currently faces a difficult competitive situation where supply far exceeds demand. The ratio is 1:15 - about 15 apartments per client. Market conditions force owners to either look for tenants for the apartment themselves, or pay a commission to the realtor themselves in order to sell their property on the market as quickly as possible, implying that the realtor’s commission for the client will be zero. However, in practice, cunning agents, of course, act completely differently; they take money from both the apartment owner and the tenants for moving in and signing a rental agreement for residential premises.

Nuances when purchasing housing on the secondary market

When purchasing property on the secondary market, it is worth considering some nuances. The most important thing is that the buyer has to order a check of the legal purity of the purchased apartment. This is important in order to exclude a situation where, after purchasing a home, third parties begin to lay claim to it.

This is not a required service, but desirable. It is better to entrust this issue to a specialist. You can, of course, find out everything yourself: request certificates from Rosreestr, carefully study the documents on the right to own housing, find out if there are any encumbrances, whether the apartment was inherited or purchased.

If you contact a lawyer, the cost of the inspection, depending on the complexity of the procedure and the parameters of the living space, will be at least 5 thousand rubles.

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Double commission is not always hidden

I don’t care how much you sell my apartment for, as long as I get what’s mine - a very common phrase in the market that can often be heard from unlucky apartment owners. For a cunning realtor, these words can only mean one thing - Fas! The client is not picky in his connections, gives carte blanche for the sale, and you can make good money on this - remove a double commission from both him and the buyer of the apartment.

They earned me a million, or even two!

This kind of statement addressed to the realtor voices the feeling of resentment that is bubbling in the home seller long after the transaction. But as you know, people don’t wave their fists after a fight. But the feeling that they got their hands on him so much will haunt the former owner of the property for a long time.

Why are you moaning like a victim, you yourself give the agents a free hand, and then accuse them of hidden commissions, and in general of all mortal sins.

And indeed, in most cases, apartment owners themselves are to blame for the fact that they are defrauded on the market - some are too arrogant, others enter the market completely unprepared.

What you have to pay for when buying a home with a mortgage

The main payment costs fall on the seller, since it is he who must prepare the living space for sale. The list of documentation depends on the conditions of the bank, the requirements of Rosreestr and various nuances identified by lawyers.

What does the buyer pay when purchasing a home with a mortgage:

1. Technical passport of the real estate (minimum cost 2,200 rubles, price varies in each region). A BTI employee takes measurements and generates a technical passport for the property. All costs are borne by the seller.
2. If the former owner did not legalize the redevelopment, then the buyer must carry out the appropriate procedure, but all costs are borne by the seller, making discounts. Or you can agree with the former owner so that he eliminates the redevelopment before the transaction.
3. Appraising an apartment is not the responsibility of the current owner, so the buyer pays for the services of an appraiser (the cost varies from 5 to 8 thousand rubles).
4. If the purchaser has found a seller who has entered into an agreement with a realtor, then it is the purchaser of the living space who pays for the services of the intermediary (approximate cost of 10-25 thousand rubles).
5. State fees for the transfer of rights are paid by 2 parties to the transaction, dividing the amount into equal parts.
6. Also, the seller and the buyer pay equally for drawing up the purchase and sale agreement.