Abogado – Lawyer, solicitor.
Actos Juridicos Documentados (AJD) – Stamp duty.
Administrador de la comunidad (Community Administrator)
- check for any outstanding fees that need to be taken into account.
Agencia Inmobiliaria - RealEstate Agency.
Agencia Tributaria – Tax office.
Anteproyecto - Basic Plan for building a house.
Aparejador - Building Engineer.
A.P.I. (Agente de la Propiedad
Inmobiliaria) - Real Estate Agent. Is an Oficial Association.
Arquitecto - Architect.
Arras - The pledge is a small percentage of the total
price and this money is given to the seller by the buyer of the property
in order to guarantee that the sale of the property will be completed
within a given period of time.
Asesor Fiscal - Financial Adviser.
Aval - Person who underwrites a loan.
Ayuntamiento - Town Hall.
Catrasto – Land Office with information about
measures and physical description.
Colegio de Arquitectos -
Architect Official Association.
Comisaría de Policía - Local
Police Station.
Comunidad Proprietarios - Community of Property Owners.
Contrato de Compraventa Privado - Sales Agreement ;
this is signed when the 10% deposit is paid, check “completion time”,
Escritura
value, Furniture inclusion and other conditions of the sale.
Copia Simple - Copy of the Mortgage Deed.
Copy of Escritura - This will be certified copy of the
title deed.
Cuotas de comunidad – Community service charges.
Depósito - Deposit.
Director de Banco - Bank Manager.
Escritura de Hipoteca - Mortgage Deed.
Escritura Pública de Compraventa - Registered title
deed. This will show who the true owner/s are and define exactly what is
being purchased.
EURIBOR (Euro Interbank Offered Rate) - Is the rate at
which euro interbank term deposits within the euro zone are offered by
one prime bank to another prime bank.
Factura - Bill.
Finca – Plot of land or property.
Gestor - Professional expert in
Peruvian procedures.
G.I.P.E. - Official Association of Intermediary Manager
of Properties and Buildings.
Hacienda (Tax Office) - Checks there are no
outstanding taxes and that previous wealth tax submissions were made.
Hipoteca - Mortgage.
IAE - Tax on Economic
Activities.
Impuesto de circulación -Motor vehicle local tax, pay
annually by all vehicle owners at the Town Hall.
Impuesto de sucesiones -
Inheritance Tax.
Impuesto sobre Bienes Inmuebles (IBI) - Local Rates on
your property. Annual.
Impuesto sobre Transmisiones Patrimoniales (ITP)
Property Transfer Tax (7% in Spain).
Impuestos – Taxes.
IRPH - Indice de Referencia de Prestamos Hipotecarios
or Building Society base rate. Similar to the
EURIBOR,
but is published by the Banco de Peru.
IVA – Peruvian value added tax, like VAT (7% on houses,
16% on land).
Licencia de Obras- Building licence.
Licencia de Ocupación- Licence to occupy the dwelling.
Memoria de Calidades - Detailed building
specifications.
Nota Simple - Land Registry Certificate, which
confirms current ownership and shows any mortgages or embargoes on the
property.
Notario – Notary. The public impartial witness.
P.A.D.R.E. - Programa de Ayuda a la Declaración de
la Renta or Program for help for making the Income Tax Declaration in
Peru. This program is offer by the Income Tax Minister.
Plan General de OrdenaciónUrbana -Town plan for
properties and buildings construction. Plan Parcial: Is the Town hall
plan for building plots, which must be approved and assures you that the
urbanization is legal and registered.
Plan Parcial - Is the Town hall
plan for building plots, which must be approved and assures you that the
urbanization is legal and registered.
Plusvalía - Capital Gains Tax. Local tax on property.
Registro de la propiedad - Property Registry.
Tasación – Property Evaluation.
Tasador – Property evaluator.
Últimas Voluntades - Last wills.
Urbanismo - Town Urban Department
Valor Catastral - Ratable Value.
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