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Home > Dom i Ogród > Mieszkanie od dewelopera – ile wynoszą opłaty?

Mieszkanie od dewelopera – ile wynoszą opłaty?

Zakup nieruchomości wiąże się z szeregiem dodatkowych opłat niewliczonych w cenę mieszkania. Wrocław rynek pierwotny i wtórny to setki ofert, które warto dokładnie przeanalizować pod kątem dodatkowych kosztów transakcyjnych. Poza wkładem własnym mogą one wynieść nawet kilkanaście tysięcy złotych, z których część ponosi się jeszcze przed zaciągnięciem kredytu. O jakich opłatach warto pamiętać?

Wkład własny

Zwiększający się z roku na rok wkład własny to duże utrudnienie dla osób, które starają się o kredyt na zakup własnej nieruchomości. Minimalny wkład, jaki jest wymagany od stycznia 2017 roku, wynosi 20% wartości mieszkania. Wrocław rynek pierwotny i lokal o powierzchni 55 mkw. to średnio koszty rzędu 70 tys. złotych.

Umowa deweloperska

Umowa deweloperska musi być sporządzona w formie aktu notarialnego. Jej integralną część stanowi prospekt informacyjny, który przedstawia sytuację prawno-finansową inwestora, dane przedsięwzięcia oraz poprzednie inwestycje. Koszty podpisania umowy deweloperskiej ponoszą po połowie nabywca oraz deweloper. Zawierają one wynagrodzenie notariusza, opłatę za wypisy oraz koszty sądowe. Warto podkreślić, że nie są to małe kwoty, gdyż akt notarialny to około 80 stron, a koszt wypisu jednej strony wynosi 5-6 złotych plus VAT. Dodatkowo potrzebne są zazwyczaj trzy wypisy — dla kupującego, inwestora oraz sądu wieczystoksięgowego.

Umowa sprzedaży

Zgodnie z obowiązującym prawem umowa sprzedaży nieruchomości również musi być zawarta w formie aktu notarialnego. W związku z jej zawarciem należy opłacić tak jak poprzednio wynagrodzenie notariusza oraz wypisy z aktu notarialnego. Wartość taksy obliczana jest na postawie rozporządzenia Ministra Sprawiedliwości z dnia 28 czerwca 2004 roku i jest zależna od ceny nieruchomości. Poza sporządzeniem aktu notarialnego niezbędne są również jego wypisy. Maksymalny koszt jednej strony wypisu to 6 zł. Do powyższych stawek doliczany jest podatek VAT wynoszący 23%. Opłaty poniesione w związku z zawarciem umowy sprzedaży pokrywa kupujący.

Podatek VAT

Koszty transakcyjnej zakupu nieruchomości z drugiej ręki są wyższe niż w przypadku nowego mieszkania (Wrocław). Rynek pierwotny zwalnia nabywcę z zapłaty podatku od czynności cywilno–prawnych, którego stawka wynosi 2% wartości nieruchomości. Deweloper jest bowiem płatnikiem VAT, a ustalona przez niego cena jest ceną brutto, a więc uwzględnia już podatek. Jeśli jednak nabywca zakupi mieszkanie na kredyt, będzie musiał zapłacić 19 zł podatku od ustanowienia hipoteki.

Dodatkowo warto podkreślić, że przy zakupie mieszkania od dewelopera nie trzeba płacić za pośrednika, którego pomoc może wynieść aż 3% wartości całej nieruchomości plus podatek VAT.

Opłaty sądowe

Kolejną opłatą, o której trzeba pamiętać, są koszty sądowe za założenie księgi wieczystej oraz wpis prawa własności. Wylicza je notariusz, na podstawie ustawy z dnia 28 lipca 2005 roku o kosztach sądowych w sprawach cywilnych, przy sporządzaniu umowy deweloperskiej oraz umowy sprzedaży. Założenie księgi wieczystej kosztuje 60 zł, a wpis prawa własności 200 zł. Co więcej, jeśli mieszkanie kupowane jest od dewelopera, obowiązuje także 150 zł opłaty za wpis do księgi roszczenia z umowy deweloperskiej i połowę tej kwoty za jego skreślenie po podpisaniu umowy sprzedaży. W przypadku nabywania udziału w nieruchomości dokonuje się kolejnej opłaty proporcjonalnej do wielkości udziału — jej wartość nie może być jednak mniejsza niż 100 zł.

Więcej na temat mieszkań z rynku pierwotnego znajdziesz na: http://www.mojdom.com.pl/mieszkania-wroclaw-rynek-pierwotny.

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