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Services and Assistance
To the seller
> We ask for a schedule concerning personal datas to be filled in and the authorization for promotion and advertisement of the object intended to be sold always and only at the real estate agency's expenses. Upon authorization we advertise the real estates in our selectioned trade channels such as web site, real estate portals, specialized magazines, display cases, through the newsletter to the members of our data bank with photos, plans, description and prize requested.
> No exclusive sale assignment is requested, except for a different agreement.
> We offer advice for a correct valuation of the real estate giving synthetic or analytic valuations of the property.
> We offer the acknowledgement documents with the names of those customers visiting the real estate.
> We offer our complete assistance until the final contract.
To the purchaser
> Once visiting a property for rental or up for sale, we make the customer sign a document of acknowledgement of which we give a copy.
> We offer our complete assistance until the final sale Deed.
> Before the stipulation of preliminary we make a mortgage and cadastral profile verifying the real estate was free of prejudicial bonds and cadastral differences assuring a safe purchase.
> If without any personal professional we put the customers in touch with our technicians comprehending well-known notary's offices, giving them the estimates in advance. In addition we can also offer renovation estimates from firms specialized in the restoration of Tuscan style real estates.
Our commission is decided in advance and payed at the compromise..
The Purchase Phases
The final purchase proposal.
The final purchase proposal is drawn up in the real estate and presented directly from the agent to the seller. It is a free document but it should contain indications useful for protecting the purchaser's rights.
It is the document with which the purchaser makes his offer to the seller in order to buy the property.
The final purchase proposal has to contain the following elements:
> The seller and purchaser datas;
> The house's address, description, cadastral datas and price;
> The final date for the seller to accept the proposal;
> Times of payment, date and place of the future Deed.
In case of a deposit cheque, it HAS ALWAYS TO be made out to the SELLER with non-negotiable clause.
When the purchase proposal is accepted.
The seller is free to refuse but if he accepts it, the buyer will be obliged to keep faith with his offer. If the seller does not answer within the final term, the purchaser does not have any more obligation.
In general, with the final proposal, a deposit has to be paid: it is a free choice since the commitment is taken on with the proposal, not with the paying of a certain sum of money.
The purchase preliminary agreement or compromise.
It is the act before the final deed and it is usually signed in the notary's office chosen by the purchaser.
With this agreement the selling has to be realized within the conditions made. Fundamental elements being contained in this agreement are:
1) Purchaser and seller complete datas.
2) The real estate price.
3) Means of payment (cheque, cash) and the expiry dates.
4) The house description (cadastral results, rooms, pertinences) and the other bordering houses, with all the datas.
5) The deed final date.
6) Precence of eventual bonds (such as mortgages or bondgages).
7) Regularity with respect of the building rules.
8) Eventual clauses, confirmatory or penitential deposit.
9) The possession title with the beginning and eventual limitations.
10) Specifying if the purchase is through a loan or not.
11) Date and contractors' signatures.
Once the agreement has been drawn up the real estate agency has to be paid.
The tax deposit according to the deposit already paid is given to the notary (providing the registration at the competent office).
In this phase it is important for the purchaser intending to purchase with a mortgage loan to go to his bank to begin the procedure given that distribution time varies from 20 to 60 days according to the banks.
The Purchase agreement.
The last agreement: the deed, the purchase agreement, which has to be drawn by a notary. In this document the agreements already written in the compromise are repeated with some additions, if necessary.
The notary has to check if there are any mortagages or any other bonds or building irregularities (if it has not been verified in person yet).
There must be the building compliance declaration with the safety rules (law 46/1990) concerning the electrical systems, the energy class given by specialized technicians.
If the house is already in order, the seller will include a declaration on the building conformity in the deed, with notarial deed value.
The seller will have to give all the documents requested by the notary. At the moment of deed the purchaser will have the necessary sum of money for the final payment. The loan documents have already been ready. Also VAT or stamp duty and the notary's fee have to be paid.
The most common means of payment are: cashier-s cheque (it is the favourite mean of payment because it is guaranteed by the bank having issued it), or the bank non-negotiable cheque.
Taxes to be paied for first or second home.
In case of a private purchase, an ordinary stamp duty of 7%, a mortgage duty of 2% and a cadastral duty of 1% ( a total of 10% of cadastral value) have to be paid directly to the notary during the deed. There are some reductions in case of first home purchase determining a stamp duty of 3%, a fixed mortgage duty of 168.00 Euro and a fixed cadastral duty of 168.00 Euro.
In case of a building firm the purchaser will have to pay a 10% VAT (on the total value), a fixed mortgage duty of 168.00 Euro and a fixed cadastral duty of 168.00 Euro. Even in this case there are some reductions for whom purchasing the first home (reduction of VAT from 10% to 4%).
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