Buying a home is an exciting but often complex journey that requires preparation and awareness. Among the many challenges facing prospective buyers are two key documents: the cadastral plan and the mortgage view.
These two seemingly technical tools play a crucial role in the home-buying process and provide the compass needed to safely navigate the real estate environment.
Cadastral planimetry: discovering the house in detail
The cadastral plan is like a detailed map of the property. It is the result of a topographical survey that visually represents building features such as size, shape, room layout, and openings. This three-dimensional floor plan provides a complete overview of the real estate unit, revealing secrets that cannot be grasped at a glance.
For example, it gives insight into whether that wall can be knocked down to create an open-concept space or whether there is an opportunity to add an additional room.
Mortgage view: revealing the history of the property
The mortgage view is the legal diary of the property. This document reveals whether there are any mortgages, foreclosures or other liens that could affect the buying and selling process. It is a bit like an archaeological dig into the financial past of the property. The mortgage view ensures that you do not inherit unsuspected debts or legal issues when you become the new owner.
This is a key precaution to avoid unpleasant surprises and ensure a safe purchase.
What is the difference between cadastral view and cadastral plan?
In summary we can say that the cadastral view is like the identity card of the property, the cadastral plan is its detailed map.
Both documents are crucial when it comes to buying and selling real estate, but they serve to answer different questions: the view tells you “who” the property is from a legal and tax perspective, the floor plan shows you “what” it looks like.”
Beyond the lines: differences with cadastral maps
It is important to note the distinction between cadastral plans and cadastral maps. These represent property boundaries and land parcels, but do not go into detail about the structures present. Floor plans are specific to buildings, while maps provide a more general view of the spatial context.
Both documents are important, but they serve different purposes and are used at different stages of the real estate process.
Get your real estate guide: floor plans and viewings
To obtain cadastral plans and mortgage views, there are several options. Floor plans are available at cadastral offices or online through the Internal Revenue Service portal.
Mortgage viewings can be obtained from the Registrars of Real Estate or through specialized online services. It should be considered that this information may have a cost associated with it, but it is an investment to ensure that your dream home is also a safe and unobstructed choice.
How much does it cost to request them?
One of the most common questions when it comes to cadastral planimetry and mortgage view concerns the cost associated with requesting them. It is worth noting that costs may vary depending on the municipality and specific circumstances.
Generally, requesting a cadastral plan has a cost of between 10 and 50 euros, depending on the size of the property and the details required. As for the mortgage view, the price can be around 10-20 euros.
What happens if one does not have these documents?
But what if you find yourself in a situation where you don’t have access to the cadastral plan or mortgage view? In some cases, especially when dealing with older buildings, it may be difficult to find these documents.
However, it is important to note that not having them available should not completely stop the purchasing process. Many sellers and real estate agencies work to obtain these documents or provide reliable alternatives.
In the absence of a cadastral plan, you could rely on cadastral maps or technical documents issued by the municipality, if available. If you do not have access to a mortgage view, the real estate agency may be able to help you request one from the appropriate offices.
It is important to communicate openly with the seller or agency and ask for assistance in obtaining the necessary information. The goal is to ensure that every step of the purchase is done with the utmost clarity and transparency.
A fresh start: buy your home with confidence
The cadastral plan and mortgage view are indispensable tools for anyone who is preparing to buy a home. These documents provide a thorough analysis of the property and its circumstances, enabling buyers to make informed and informed decisions.
Navigating the real estate world may seem complicated, but armed with floor plans and viewings, you will be ready to embark on this journey with confidence and clarity.
And if you would like additional help in your search for a dream home, Ideas&Immobili is here for you. Our real estate agency offers not only support in the search for homes, but also comprehensive advice throughout the buying process.
With our expertise and dedication, we make the path to your new home smoother and more satisfying.