Must-Have Documents for Selling Your House
The process of selling your home is complex and requires several documents. In this article, you will find a comprehensive list of the necessary documents for selling your home, information on where to request them, and additional tips to ensure the process is carried out as smoothly and efficiently as possible.
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Permanent Land Certificate
The Permanent Land Certificate, or Certificate of Content, is indispensable when selling your home, as it establishes the legal relationship between the seller and the property. This document provides a comprehensive history of the property, including information about past and present owners, any associated charges, and various characteristics of the property.
The certificate is valid for six months from the date of issuance. It can be obtained in person at a Land Registry Office for a fee of 20 euros, or online via the Land Registry online platform for a fee of 15 euros. This document is continuously updated and available for consultation online, ensuring you have the most current information during the selling process.
Habitation License
The Habitation/Housing License is a document that verifies whether the property in question complies with the legal conditions of habitability, specifically those related to gas, water and electricity.
This document is issued by the Municipal Council where the property is located, following an inspection to ensure compliance with the criteria defined by the General Regulation of Urban Buildings. Properties in buildings built before August 7, 1951 do not require the presentation of this document, unless there has been any type of alteration to the property.
The License will be valid until there is a change in its initial architectural design and its cost varies depending on the authority responsible for issuing it.
Bank cancellation
The Bank cancellation is an essential document for selling your home if you have a mortgage loan. This document serves as proof that the mortgage associated with the property has been fully paid off, signifying the end of the credit debt.
It is issued by the bank that provided the mortgage loan, and the cost varies depending on the bank, ranging between 0 and 200 euros.
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Energy Certificate
The Energy Performance Certificate evaluates the energy efficiency of the property, classifying it on a scale of eight levels, from F (very inefficient) to A+ (very efficient). It also provides information about the property’s construction characteristics and suggests measures to improve energy efficiency.
The document will be valid for 10 years after delivery and is issued by qualified and independent experts, accredited by the Energy Agency – ADENE. Its cost varies depending on the type of property and the compensation imposed by experts.
You can identify here which experts are accredited in your area of residence.
Housing Technical Sheet
The Housing Technical Sheet details the technical and functional characteristics of a property after construction, expansion or alteration work has been carried out.
This document is required when selling your home if the property was constructed, reconstructed, or expanded after March 30, 2004.
The Form can be requested from the National Civil Engineering Laboratory or the General Consumer Directorate and its cost varies, however, it is normally more than 100 euros.
Debt Declaration
Officially called the Declaration of Annual Charges and Possible Debts to the Condominium, this document is necessary if the property belongs to a condominium. It must include a statement of the current charges, detailing the nature of any debts, amounts, deadlines, and dates of constitution and maturity. Essentially, it outlines any condominium-related charges that may need to be paid after the sale, transferring this responsibility to the new owner.
This document is issued by the condominium administrator, and its cost is determined by the condominium administration.
Deed
Finally, the last document to have when selling your home is the Deed.
This is the document that establishes the transfer of the property from the seller to the buyer.
Conclusion
Selling your home involves gathering several crucial documents to ensure a smooth and efficient transaction. From the Permanent Land Certificate and Housing License to the Bank Cancellation Document and Energy Performance Certificate, each document serves a specific purpose in verifying the property’s legal status, condition, and compliance with regulations. Additional documents like the Housing Technical Sheet and the Declaration of Annual Charges and Possible Debts to the Condominium provide necessary information about the property’s technical characteristics and any outstanding financial obligations. By understanding and obtaining these documents, you can facilitate a successful home sale and ensure a transparent and seamless process for both you and the buyer.
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