Up to 10 % of an additional tax
There are many reasons for choosing a leasing. For example, searching for stability, but avoiding falling into the obligations it requires Lowering mortgage. And why will it not be a good option? This option allows you to combine rent with The option to buy housing In the future, there is another way to push it in installments, although avoiding an input that is sometimes far from the reach of the tenant.
The procedure is simple, the people who agreed to this right to buy Part of the rental price as Flaab in favor When buying the home. In other words, it deducts this amount of the final price. With this option too They win the timeWhether to think about it, improve your financial situation and your credit date Mortgage request.
However, since almost everything, the rent with the purchase option has the “ugly” or “less convenient” cost of the costs and taxes specified for this alternative. This is divided into two parts: Rental associated with And those of Buying the property. In principle, the tenant must pay a premium or signal that usually ranges Between 5 and 10 % of the price for sale. Remember that the mortgage entrance represents about 20 % of the house.
Rent and tax expenses with the purchase option
In addition to the sign, the tenant must assume Common costs for rent: Bonds, additional deposits, monthly payments, supplies such as light, water, gas and the Internet. In addition, if the lessor is an individual, the tenant must pay Genetic transmission tax (ITP). According to the Fotocasa Gate, it corresponds to between 0.5 % and 10 % depending on the independent society. There are also other expenses such as:
- Housing price: This is the amount agreed in the contract. From this, you can deduct the amounts or shares arranged for purchase in paid rents.
- The notary expenses: Once the formal character adds, justice expenditures should be paid in the rent with the purchase option. This includes the sale instrument, which varies according to the price of the property, but it costs between 0.2 % and 0.5 % of the writing value.
- Registration spending: Real estate registration in the real estate record costs a percentage according to the price of the house. Usually between 0.1 % and 0.25 % on the housing price.
- administration: Many people decide to employ a manager to implement these procedures.
Who is compatible with payment of taxes?
As shown in Fotocasa, in purchase, the tenant and the receiver assumes Itp or VATAs well as other taxes associated Selling option. The owner, at the same time, is the person who announces that the income for rent, and for sale, pays the municipal surplus and the declared water gains in IRPF.
