NovOwnership, taxes and the deal mechanics
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When a company genuinely helps several investors or a rental business, and when it only adds accounting, tax filings and creditor exposure.
Owner power of attorneyPower of attorney for an owner
How to authorise lettings, taxes, voting or a sale without giving uncontrolled access to money, mortgage powers or self-dealing.
Apartment after owner deathOwner died, apartment still rented
Where the tenant should pay, who covers service charges and who may manage the apartment before the heirs are registered.
Selling a mortgaged apartmentSelling a mortgaged apartment
How to obtain a payoff letter, direct part of the price to the lender and discharge a registered hypothec before transfer.
Taxes on a saleTax on selling an apartment in 2026
Taxes and transaction costs on a sale, why the capital-gains rollout excludes immovable property, and how to calculate realistic net proceeds.
Transfer to a family memberTransferring to a spouse, child or parent
How a gift differs from a sale, when a family stamp-duty exemption may apply, and how to check the quota, mortgage and existing tenancy.
Project account and escrowEscrow, development and ordinary bank accounts
How three payment structures differ, who controls withdrawals and why a “project account” does not guarantee a refund.
Stalled constructionIf a developer stops construction
What happens to your payments, the SPA and invested funds when a project stalls or the company becomes insolvent.
Force majeure and handoverForce majeure and handover delays
When a developer may extend the deadline, which events do not excuse delay and what follows an excessive postponement.
Selling off-planSelling an off-plan apartment before title
How an SPA assignment works before completion, why developer consent is critical and which obligations pass to the buyer.
Changes after the SPADeveloper changes after the SPA
Which changes may be permitted, where reasonable flexibility ends and when you can seek a fix, discount or termination.
Keys before titleKeys before strata title
How handover, occupancy approval and title registration differ, and when a final payment should remain protected.