Sell a property with charges in Málaga

SELL PROPERTIES WITH CHARGES

RELAX,
 VALORACASA TAKES CARE OF EVERYTHING.

VALORACASA

SELL PROPERTIES WITH CHARGES

Sell a property with charges

We help you sell your home with any type of charge. We'll handle both the sale of the home and the removal of its charges for you

Steps to sell your property with charges in Málaga

1. Contact us: get in touch with us by phone on 695033558 or drop into any of our oficinas.
2. Free Study: we'll give you a personalised study with all the information you need to sell your property with charges in Málaga on the best terms. We'll explain the whole process and costs and answer all your questions.
3. Sale at the highest price: with our free valuation of your home, we'll help you get the highest market price so you get the maximum profit.
4. Removal of charges: our paperwork agency will handle, free of charge, the whole process of cancelling and removing all existing charges on the property.

 

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What are charges on a property?

Charges on a property are the financial obligations that fall on the inmueble and are passed on to the comprador. So they are payments the seller takes on when acquiring a home. They can relate to various items, such as a mortgage instalment, an appliance bill or the community fee. To avoid surprises, it's important to check whether the flat is subject to charges.

You can do this by requesting a nota simple from the Land Registry, or by requesting the certificate of charges, which can be done online. Once you know this, let's look at the types of charges and what they involve.

Types of charges on a property

• Registry charges
• Mortgage loans
• Usufructs and easements
• Notice of seizure

• Insolvency proceedings
• Community charges
• Tax charges
• Restrictions

 Sell a property with a mortgage charge

Selling a property with a mortgage charge is possible and is done all the time at notaries' offices. It requires a series of formalities before and after signing the sale before the notary.

If you want to sell your property with a mortgage charge in Málaga, we'll take care of everything. We'll support you throughout the process and handle all the management.

How do you sell a property with a mortgage charge?

First, you need to request a certificate of the outstanding debt from the bank holding the mortgage charge. Once the debt has been paid to the bank, it must provide an official zero-balance certificate, donde acredite que se ha cancelado la carga. Con dicho certificado deberemos acudir a una notaría para que nos elabore una escritura de cancelación de carga hipotecaria que posteriormente deberemos llevar al registro de la propiedad para eliminar esa carga definitivamente. 

Sell a property with a registry charge

Selling a property with a registry charge is entirely normal and just requires a few steps to be done correctly. Our paperwork agency handles, free of charge, del the removal of the charge on the homes of all our selling clients who have entrusted us with the sale of their property. 

If you'd like to handle the process yourself, read on.

How do you sell a property with a registry charge?

We explain how to sell a property with a registry charge in 3 simple steps:

1. Payment and cancellation of the charge
2. Application to the registry to remove the charge
3. Payment of registry fees and end of the process

• Can you sell a property with a mortgage charge?

  Yes, as long as the debt is paid off and the mortgage charge is removed from the registry.

Yes, as long as the debt is paid off and the mortgage charge is removed from the registry.

• Can you sell a property with a registry charge?

  Yes, as long as the process is completed up to removal of the registry charge and the property is transferred free of charges.

Yes, as long as the process is completed up to removal of the registry charge and the property is transferred free of charges.

• Can you sell a property with charges?

  Yes, without any problem or restriction. You can even transfer the property with charges if the buyer agrees.

Yes, without any problem or restriction. You can even transfer the property with charges if the buyer agrees.

• How do you sell a property with charges?

  To sell a property with charges, the charge must be removed beforehand, or at the signing before the notary, so the property is transferred to the buyer free of charges.

  You need to request a nota simple before putting the property on the market to know what charges exist and the status of each, so you can request the documents needed to manage the sale properly.

To sell a property with charges, the charge must be removed beforehand, or at the signing before the notary, so the property is transferred to the buyer free of charges.

You need to request a nota simple before putting the property on the market to know what charges exist and the status of each, so you can request the documents needed to manage the sale properly.