What you need to know when buying an apartment or car

The introduction of cash settlements in September this year up to 150 thousand hryvnias caused a real shock both among real estate and car buyers, and among sellers. Many immediately began to appear the question, but how can this rule be legally bypassed. Here are the comments of experts. The most common advice on bypassing cashless payments is the design of a joint ownership right, for example with his wife. But, as practice shows, the average cost of housing in Ukraine is 500-600 thousand hryvnias. In this case, co -owners need to be invited, except for the wife, also mother -in -law, kuma, son -in -law, matchmaker, etc. D. All this is good until the property begins to divide. Another option is installment. It is possible only when there is absolutely trusting relationship between the buyer and the seller, since it can come out so that the buyer paid the first fee, and then does not want. Many go to court and demand that for one reason or another they will be allowed to pay in cash. This is possible, but our judicial system, when proceeding, will require even more money than you can spend when applying for a non -cash transfer from one bank to another. So it is still unknown what is better. Experts say that there are other ways how to calm their nerves and avoid unnecessary communication with the bank. For example, you can make money as an advance payment to the seller’s current account without opening your account. If you do not trust the seller, then go to the bank with him and a notary and draw up all the documents there. There is such an option as transferring funds to a special notary deposit. In this case, the buyer transfer the money there, the notary registers the contract of sale, and then transfer the money to the seller’s account. You can also get a guarantee of payment from the bank itself. Then the letter of credit is used between two individuals. The bottom line is that the bank transfers the buyer’s funds to a special account, issues a payment document, and then transfer the money to the seller’s account after granting the document on fulfilling the obligations. Thus, there are compromise ways to solve the problem with non -cash calculations, you just need to figure out all this and find your own option.