You are looking for a notary in Lucerne who can perform a public notarization for you regarding the transfer of real property, the acquisition of real estate, the sale of a property.
When you buy or sell a property, a notary must publicly certify the purchase contract. In cantons with independent notaries, the buyer can choose the notary himself.
Buying a property
Whether it's a single-family home, a condominium unit or building land - the dream of owning your own home has many facets. If you want to make this dream a reality, you will soon realise that there are a number of things you need to consider. This website will give you an overview of some of the important points to consider when buying a property. For more specific questions as well as the planning of the concrete procedure for the purchase of a property, our team will be happy to advise you.
Property purchase contract
A contract for the purchase of a property must regulate a variety of issues, such as the purchase price and its repayment, the transfer of benefit and risk, or the warranty in the event of defects in the property. Therefore, such a contract cannot simply be concluded on a beer mat during an after-work beer or even just with a handshake. For the purchase to be valid, the contract must be officially notarised. This is referred to as a legal formal requirement. For real estate in the Canton of Lucerne, the Lucerne notaries are responsible for this.
Land charge contract / mortgage deed
As a rule, it is not possible to pay the entire purchase price from one's own savings at the time of buying a house. You are therefore dependent on the assistance of a bank or insurance company. However, in order for the bank or insurance company to be willing to grant a mortgage, it will require collateral for the financial resources provided. In concrete terms, this means that a mortgage lien must be registered in the land register on the property that is being purchased with the help of the mortgage. On the basis of this mortgage, the land registry issues a mortgage certificate (or - as is more common today - enters the mortgage certificate in the land register as a registered mortgage certificate). If the mortgage is not paid off as agreed, the borrower's note enables the bank to take action against the homeowner. In order for such a mortgage deed to be issued, the new owner must sign a mortgage agreement. As with the purchase contract, this must be publicly notarised by a notary. In practice, both contracts are usually notarised on the same date.
Entry in the land register
Once the purchase agreement and the mortgage agreement have been signed, the notary registers both transactions with the responsible land registry office. The land registry is obliged to enter the registration in the diary on the same day of delivery. The legal transfer of the property from the seller to the buyer is completed only with the final entry in the land register.Contact our notary office today