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Buying Property

Argentina - Buying Property

Argentina is one of the only South American countries that has few restrictions for buying property. Both Argentineans and migrants can acquire property in non-restricted areas. Here is a comprehensive guide to help you if you are thinking of buying property in Argentina.

Where To Invest In Land

Expats are allowed to buy land or real estate property in the cities as well as the outskirts of the country. However, migrants are not allowed to invest in property located in the coastal regions or close to the Argentinean borders. While exceptions to this rule can be made, there will be plenty of paperwork before you become approved.

Some areas in Argentina are cheaper to invest in, while others continue to be expensive. You can find low priced property in the northwest region of the country. Land close or within the city can go for as much as US$25,000 per hectare. In the rural areas, it is possible to lease land for as low as $15 per hectare.

Buying Land

Argentina has a streamlined procedure for buying land or real estate. Both Argentineans and foreign nationals have to obtain a tax number to be allowed to buy property. A tax number can be obtained in either of three ways.

The first of these is by applying for a single code of labor identification or Clave Unico de Identificación Laboral. Secondly, you could apply for a unique tax identification code or Clave Unica de Identification. Lastly, you can also get a tax number by applying for a personal identification key or Clave de Identification. Both Clave Unico de Identification and Clave Unico de Identification Laboral can be obtained online. Clave de identification is applied personally or through a lawyer at the Argentinean Federal Administration of Public Revenue.

Once you obtain a unique identification number, you can start searching for property to buy. You could do this through a personal search of relevant real estate websites in Argentina. Three good websites to kick off your search are argentina.realigro.com, internationalliving.com and realtor.com. You can get direct contacts to real estate agencies or property owners based in Argentina through these sites.

The second way to search for land in Argentina is by going directly to a local real estate agency. This is by far the fastest way to get the property you want to invest in. A local real estate agency will be in a better position to advise you on available property in Argentina. They can link you up directly to property owner and even help with organizing the paperwork required.

Once you identify property you want to invest in, the real estate agent takes it from there. They will notify the respective property owner to initiate the process of price negotiation. Note that property owners in Argentina have a tendency to quote a high price on property. This is done to give room for bargaining.

Once the seller accepts the offer quoted by the estate agent, the property buyer then leaves a security deposit with the realtor. This down payment is usually 30 percent of the price quoted. This is done to assure the seller you are committed to buying the property. The property will then be taken off the market as negotiations between seller and buyer continue. Note that you can also negotiate the security deposit from 30 percent to something lower.

Do not leave a deposit with your realtor until the seller fully accepts the offer. In addition, once a deposit is made, both seller and buyer are advised not to opt out of the negotiation process. Should the buyer opt out of the sales negotiations, they will lose their deposit, which is held with the notary. If the seller goes back on their word, the buyer is reimbursed the full deposit. They will also receive an additional sum, equivalent to the deposit, which is paid for by the seller.

Sales Agreement Contract

Before signing a sales contract, the property owner must present two documents: a domain report or informe de dominio, and an inhibition report or informe de inhibiciones. A domain report notifies you of the state of the property to be bought, the rightful owner, and if there are any issues concerning the property such as unpaid mortgage balances. An inhibition report shows the seller’s property tax arrears and whether they are legally allowed to sell the property.

If both documents are presented, and are in order, the buyer can proceed with the purchase. The estate will organize a purchase ticket or boleto de compreventa through a public notary. This purchase ticket becomes the official sales agreement once the notary has approved it.

The sales contract will have all the details of the purchase negotiation. It will have the names, nationalities, identification numbers, and addresses of both seller and buyer. It also lists the state and price of the property, whether the property is registered, and the mode of payment used in the negotiations. Other important details on a sales agreement include names and registration numbers of real estate agent and notary, the conflict resolution process should a dispute arise, and the seller’s tax status before handing over the property.

Financing Property Purchase In Argentina

Argentina is slowly recovering from the past economic recession. Getting mortgage loans is possible once a bank vets your status. Generally, any persons with a net income of AR$1500 (US$87) a month is eligible for mortgage loans. You should also be below the age of 75 years and have worked in Argentina for one year prior to applying for a loan.

Mortgages are offered to individuals wanting to purchase new or old property, renovate or expand property, or build new homes. Banks are willing to finance up to 80 percent of the selling price for new property. For used property, banks will finance 75 percent of the actual price. In both circumstances, the selling price must not exceed ARS$250,000 (US$14,500).

For property renovation, banks will finance 100 percent of the total cost of renovation. The only condition here is that the renovation cost should not exceed ARS$50,000 (US$2,941). If you are looking for a loan to complete a construction, banks will finance 65 percent of the total cost of completion.

Mortgages in Argentina are valued from five years to 20 years. Interest rates on loans not exceeding 10 years ranges between 7.5 percent and 11 percent. Loans valued beyond 10 years earn an interest rate of nine percent to 12 percent. However, these rates are constantly changing, subject to the Argentinean economy. Therefore, check the going interest rate as you seek a mortgage loan.

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