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Purchase, sale and

Fifth Approval and signing of the mortgage Registration .

The last step is final approval of the loan by the bank and preparation before the Public Registry of the notarization of documents of sale and mortgage.

Prior to the date of signature, the bank will send the documentation to the Registrar of the locality where housing, mortgage document and data manager.

Day cited the firm for buyers and sellers.

For the protocols of the relevant documents must bring the following documents:

of sale and registration of mortgages:

• Document to your registry.
• Photocopy of Identity Card of the Grantors.
• Municipal Solvency Certificate.
• Hidrocapital Solvency certificate (only where the operator provides the service of water supply).
• If the amount of the sale exceed 3000 UT the owner must submit statement issued by the Principal Housing SENIAT or failing the Tax Payment Form Disposition (FORMA33) equivalent 0.5% of transaction amount duly awarded to a National Bank Funds receiver in conjunction with the RIF of the grantors. (Art. 89 Law on Income Tax).
• Cadastral Sheet original.
• tax stamps. UT 0.02 0.02 per sheet over UT for the note log.

When the register receives the documents, the purchaser must inform the institution of the date of signing the document.

According to the provisions of Article 68 of the Housing Services and Habitat, l as protocol and provision of the documents referred to in this article shall be recorded in a no later than five days working days from the date of its submission to the appropriate Register.

expenditure Registration Rights:

regard to expenses incurred for registration fees, taxes, fees and contributions, Article 68 of the Law on Housing Services and Habitat provides for exemption according to the following:

" are exempt from payment of registration fees and any other taxes, fees, tariffs, taxes or contributions registration and recording of the acts or legal transactions relating to registration of property transfer documents, loans or mortgages, condominium documents or any other instrument at the time of the acquisition, construction, formation and release of mortgage replacement refund, repair, remodeling, essential basic services, urban planning and livability of main house and unique, granted under the implementation of this Decree with Rank and Force of Law

The protocol and grant documents provided in this article must be registered no later than 5 working days from the date of its submission to the appropriate Register. "

Moreover, the Law of Public Registry and Notaries stable:

Article 100. are exempt from taxes, fees and other contributions raised by this Act, in addition to those laid down in special laws, the documents relating to:

• Minutes constitutive and statutes of the neighborhood associations and consumer associations, associations of educational communities and indigenous organizations, indigenous micro community character, as well as acts that change must postpone or cancel.

• The affidavit does not own their own homes.

• tax certifications required for credit with preferential interest through special laws, as well as from savings, social security funds to buy primary residence, at the request of the financial institution.

• The collective title of habitat and land of indigenous peoples and communities.

• acts arising from expropriation processes because of public and social. businessmen and entrepreneurs, workers in small, medium and large enterprises in the industrial sector, which has declared its willingness to adhere to the agreement expressed in macro-responsibility for industrial processing, and reached 'a certain commitments and signed specific agreements with the Government, shall be exempt from taxes and other contributions referred to in this Title.