When buying a özellik we are always asked as to the difference between a freehold and a leasehold property. This is especially applicable to first time alıcılar. In this article we will look at the different types of konut properties you can invest in and potential issues that may arise.
Bir mülk serbest mülkiyetli ya da kira mülkiyetli olabilir.
Serbest Mülkiyet
Mülkiyet hakkı size mülkün ve üzerinde bulunduğu arazinin doğrudan mülkiyetini verir. Mülkün bakımını yapacak üçüncü bir taraf yoktur. Müstakil evler genellikle müstakildir. Bu tür mülkler genellikle üçüncü bir tarafla ilişkiye girilmemesi nedeniyle tercih edilir.
As freehold type properties are the oldest types usually there are old title deeds referred to in the register which refers to covenants that you must comply with i.e. right of ways granted to third parties over the land which your property is situated on. This can also be applicable to leasehold properties.
Özel Mülkiyet
A leasehold property allows ownership of the property for a fixed period of time i.e. 99 years or 125 years. Leasehold properties were introduced to get more people in the property ladder. Purchase of leasehold properties increased more and more in the construction of flats.
You will have an agreement with your landlord, usually known as the freeholder, called a “lease”. This document will tell you how many years you will own the property. The lease will also içerir rights and obligations which you must comply with. For example, in leasehold flats the freeholder will be responsible for maintaining the common parts of the building i.e. hallways, roof and walls.
There will also be restrictions on what sort of works you will be able to do in the property and prohibition on subletting or owning a pet. When the freeholder intends to carry out work to the Building it will issue you a notice of this and the cost of these works will be covered by you and the rest of the leaseholders through a Major Works statement, payable in instalments. You will be liable to pay for ground rent to the freeholder and service charge for the maintenance of the common areas of the building which the flat is situated in. Please take extra cautions when deciding to purchase leasehold property and make sure your Solicitor explains how ground rent and service charge will be payable as in the recent years we have seen onerous clauses. This can mean that if you are not careful you may be liable to pay ground rent which doubles every 5 to 10 years meaning that you are paying ground rent like rent. Once the ownership of the property comes to an end the property will need to be returned to the landlord. When the lease term is usually in the region of 90-70 years remaining a leaseholder will make an application to the landlord to extend their lease for a premium. In most circumstances, the property is not returned to the landlord and the lease term is extended.
Bazı mülklerin reklamı, mülk sahipliğinde pay olarak yapılmaktadır. Bunun size otomatik olarak Mülk üzerinde serbest mülkiyet hakkı verdiğini varsaymayın. Bu, kiraya verilen mülklerin sahiplerinin mülk sahibinden mülkiyet hakkını satın aldıkları ve hepsinin mülkiyette bir paya sahip oldukları anlamına gelir. Mülklerine leasehold olarak sahip olurlar ve binanın ve freehold üzerindeki arazinin bir payına sahip olurlar. Mülkiyet hakkı elde edildikten sonra kiracılar genellikle tüm kiracılara 999 yıllık bir kira sözleşmesi verirler. Genellikle binanın bakım ve onarımı lease sahipleri tarafından yapılır ve onarımlara kendileri karar verir ve bunları eşit paylarla öderler. Dolayısıyla, yönetim şirketine ödenecek herhangi bir yönetim ücreti yoktur.
Ayrıca, çatı, duvarlar, merdivenler, koridor gibi binanın ortak alanlarında da payınız olacak ve bu alanların bakımından diğer kiracılarla birlikte sorumlu olacaksınız. Bunun yanı sıra, dairenizi ve binanın ortak alanlarını sigortalamanız da gerekecektir.
You may also come across a property that is not registered. It will be compulsory for you to register the property on completion of the transaction. An unregistered property does not mean that there is a problem. It merely means that there has not been a transaction to trigger an application.
The complicated part with unregistered property is that you will need to produce the physical title deeds or if these are lost you will need to provide evidence to the Land Registry explaining why the deeds cannot be produced and the person claiming to be the owner is the true owner. These should not prevent you with purchasing an unregistered property if such opportunity interests you.
When buying a property along with the purchase price you should take into consideration the related costs and these include:
- Avukat ücretleri ve masrafları
- Stamp duty
- Tapu harçları
- İpotek ücretleri
- Çıkarılabilir maliyetler
- Estate agent fees (payable by the seller)
- Yenileme ve tadilat maliyetleri
- Mülkünüzü yönetmesi için bir mülk yöneticisi atamaya karar verirseniz mülk yönetim maliyetleri
Bu size karmaşık geliyorsa, deneyimli ve profesyonel bir Gayrimenkul Avukatının elindeyseniz, Birleşik Krallık'ta bir mülk satın alırken paniğe kapılmanıza veya tereddüt etmenize gerek olmadığından emin olabilirsiniz.
If wish to discuss the contents of this article or have any queries, please contact Real Estate solicitor Berivan Erdogan at B.Erdoğan@rfblegal.co.uk.
(Lütfen unutmayın: This article was originally published on our previous website and is provided for general information purposes only. While it reflects the legal position at the time of writing, the law may have changed since publication. For up-to-date advice tailored to your circumstances, please contact our team.)
