Apartments for sale: resale and new builds from owners

The property rights register extract, the ownership basis, a certificate of registered residents and no utility debts. Compare the layout with the technical passport: an unapproved remodel becomes your problem.

Roughly 3–5% of the price: 1% state duty, 1% pension fund fee, notary services, valuation. Who pays is negotiable — usually split, or the buyer covers it.

Through a bank: a letter of credit or a deposit box the seller can access only after title registration. Cash hand-to-hand at the signing is an unjustified risk.

Resale is housing here and now: move in and live, with infrastructure proven over years. A new build offers fresh utilities and layouts, but add renovation costs (from 10–15 thousand hryvnias per m²) and completion risk. At the foundation-pit stage the discount is big — and so is the risk.

With arguments, not emotions: real sold prices of comparable units in the building, the cost of fixing defects (old wiring, windows), the seller's urgency. Typical resale negotiation is 3–7% off the listed price. Readiness to close fast is the strongest argument.

The buyer pays 1% state duty and 1% pension fund fee. The seller pays 5% income tax plus 1.5% military levy if they've owned under 3 years or it's their second sale that year; otherwise 0%. Notary and valuation are split by agreement.