We suggest the importance of keeping all essential homeowner documents in an organized and easily accessible place. This will allow you to be prepared for any eventuality and will simplify future transactions related to your home.
8 essential documents that are important to have prepared if you are a homeowner
1- The deed of the home
The home deed is a legal document signed by a notary that states who owns a home. This contract is the one that, after being signed by the buying and selling parties, must be registered in the Property Registry.
It will be essential to have a copy well kept at home, since this document will be vital to put the property up for sale, request housing assistance or prove that we are the owners of the property to carry out any procedure.
2- The simple note
The simple note will help you if you sell the property, since it is a document issued by the Property Registry that buyers usually request that certifies who is the owner of the property and the pending charges or debts that fall on it.
3- The mortgage contract and amortization table
If you have financed the home with a mortgage, it is advisable to have the loan contract located, either in digital or printed format. This document indicates all the information about the term, the interest rate you signed, the type of mortgage (variable, fixed or mixed), the monthly installments and the details of the amortization table.
The latter will be essential to track payments and calculate the outstanding balance of your mortgage.
4- The statutes of the community of owners
If you live in a single-family home, you will not have this document, but if you live in a collective housing building, you will most likely have the statutes of your community of neighbors, a document in which the rules of community coexistence.
Keep the statutes safe so you can review them at any time or learn how the community decision-making processes work.
5- The last IBI receipt
The IBI is the Real Estate Tax, a municipal tax that is paid each year to the City Council of the city where the home is located. You will be interested in having it located as proof that you are up to date with the tax obligations related to your apartment.
Additionally, this document shows the cadastral value of the property, that is, the value of the property according to the Ministry of Finance.
6- The habitability certificate
The certificate of habitability of a property is a certificate that certifies that the home meets the minimum requirements required to be inhabited. This is a necessary document to rent or sell your home, so if you are thinking of managing one of these procedures in a short period of time, keep in mind that this document may take up to 45 business days to be issued.
If you plan to sell or rent your home in the short term, consider processing and leaving this mandatory document ready.
7- The energy efficiency certificate
The same happens with the energy efficiency certificate. The CEE is a document that reports on the energy consumption and CO2 emissions generated by a property and is mandatory to sell or rent a property.
8- The home insurance policy contract
And, finally, the home insurance policy contract, a document that details all the information on the coverage contracted for unforeseen events: fires, theft or damage to the home... Having this document on hand will be very helpful. It helps in this type of situation, since you will have the contact information of your insurer located: telephone number, email and your policy number.
Source: Fotocasa.es