VIP1705: Apartment for Sale

Apartment for Sale in Los Gallardos, Almería

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This is a freehold two beds / two bath (one ensuite) ground floor apartment located in Los Olivios which is in Los Gallardos Huerta Nuevo development. In collaboration with the financing bank, you can have 100% mortgage and just pay the buying costs. The repayment is 468 euros per month and the package is available subject to qualification that a would-be purchaser can afford the repayments. Normal lending criteria applies. Please ask for a copy of the check list to see if you qualify. The property boasts a semi detached position close to the large community pool with two terraces surrounded by fantastic plantation. The property is fully fitted with all Mod Cons, radiators (Sky English T.V) and available from November 2010 for viewing. The property also has a large netted enclosure which is perfect for those summer evenings to entertain and eat. This is a very reluctant sale however if a person wished to have a rent to buy option this would be considered at a monthly rent of 350 euros per month. The cost in euros to buy this property for illustration purposes would be: Amount: 140,213 Term: 35 años Interest rate: Variable(3%) Annual Percentage Rate. This is the real interest for the loan, calculated according to the nominal interest rate, the charges and fees and the loan term. A.P.R.: 2.60% Charges and fees before arranging your mortgage provided for guidance purposes only Valuation fee. The amount paid for to cover the cost of valuing your property. The valuation is carried out by an independent surveyor, authorised by the Ministry of Economy and Treasury. Property valuation: 225.00 + 18% of IVA Registry entry fee. This fee covers the cost of confirming that the property does not have any debts or charges attached to it in the Land Registry. Registry entry: 16.26 Fees and charges for the sale of the property provided for guidance purposes only Notary fees. The amount paid to the notary public for authorising the public deed for the sale of the property. Notary Public: 470.00 Registry fee. The amount paid to register the sale of the property in the Land Registry. Registry: 278.00 Agency fees. The amount paid to the agency responsible for managing the official documents of the sale. Agency: 267.00 Taxes. The amount corresponding to tax paid for purchasing the property: VAT if you are buying new property and Stamp Duty (AJD) if you are buying previously-owned property. Taxes: 9,814.91 (Each autonomous community has special conditions for calculating taxes) Total: 10,829.91 Fees and charges for arranging your mortgage provided for guidance purposes only Arrangement fee: 1,402.13 Notary fees. The amount paid to the notary public for authorising the public deed for the sale of the property. Notary Public: 691.00 Registry fee. The amount paid to register the sale of the property in the Land Registry. Registry: 408.00 Agency fees. The amount paid to the agency responsible for managing the official documents of the sale. Agency: 267.00 Taxes. The amount corresponding to tax paid for purchasing the property: VAT if you are buying new property and Stamp Duty (AJD) if you are buying previously-owned property. Taxes: 2,068.14 (Each autonomous community has special conditions for calculating taxes) Home insurance (building only): 70.00 Total: 4,906.27 Total fees and charges: 15,736.18

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