Independent registration of new building ownership. New building: registration of ownership of the apartment Acceptance of the apartment and documents for it from the developer

It is important to register ownership of an apartment in a new building as soon as possible. The presence of issued keys does not constitute proof of ownership. The only confirmation of ownership is registration in Rosreestr.

Today, cadastral registration and property registration are combined into the Unified State Register of Real Estate. All information from the cadastre and register of rights is entered into it.

In addition, a certificate of ownership is no longer provided. Instead, you can receive an extract from the Unified State Register of Real Estate. It confirms that you are the official owner of the property. And on the owner’s copy a mark indicating the registration of the property is affixed.

You can submit documents at any government agency of Rosreestr or MFC. You can choose the location address that is most convenient for you.

Normative base

Registration of property rights is regulated by the Civil Code of the Russian Federation and Federal Law of the Russian Federation No. 218 of July 13, 2015 “On State Registration of Real Estate.” Despite the date of adoption, the law only came into force in 2018.

Ownership of real estate is maintained in the Unified Register. Now it can only be challenged in court. The new law introduced amendments to the registration of property in the already existing registration procedure. An innovation is the ability to submit an application for registration through any branch of Rosreestr. To do this, you do not need to contact the district department at the location of the apartment.

Conditions of registration

An apartment can be registered if a number of conditions are met. To do this, the developer performs the following actions:

1. Draws up a protocol for the distribution of residential and commercial premises.
2. Receives a technical passport.
3. Signs a transfer deed with the owners.
4. Carries out cadastral registration of the entire house.
5. Submits documents for assignment of a postal address.

Before registering ownership of an apartment in a new building, you need to make sure that you have a sufficient package of documents. You can get them from a construction company specialist.

Required documents

The entire procedure is divided into two main stages - preparatory and direct registration with the registration authority.

First you need to collect documents, including the following:

• Transfer deed. To obtain it, you need to submit an application to the developer. Along with it you will be given the keys to the apartment.
• Permission from the guardianship authorities. It is provided if one of the owners is a minor.
• Cadastral passport with apartment plan.
• Loan agreement. It is provided in case of a mortgage. If for some reason you do not have an agreement, contact your bank branch.
• Agreement for the purchase of an apartment with the developer, including additional agreements.
• Passports of all adult owners. Birth certificates for children under 14 years of age. Passports are provided for children over 14 years of age. Additionally, copies of all pages are provided.
• A proxy's passport and power of attorney if you are unable to submit documents in person.

You should collect the most complete package of documents in advance so that registration is not suspended in the future. After the documents have been collected, you must contact the registration authority. You can submit an application in person to the MFC or Rosreestr.

A representative of the developer is involved in the registration process. To do this, you need to contact the developer and agree on a date for submitting documents.

Registration of ownership of an apartment in a new building requires compliance with a specific sequence of actions. First of all, an application of the established form is filled out. It contains information about the registered object and passport data. The application shall indicate the entire list of documents provided. Then you need to check that the information is filled out correctly and sign.

During the registration process, the state fee is paid, and a copy of the receipt is attached to the package of documents. Without this, documents will not be considered. You can pay the receipt at any bank branch. The state duty can also be paid at the terminal located in Rosreestr or the MFC.

The specialist will check the submitted documents and the owners for their presence. He will check the power of attorney of the developer's representative. After this, you will receive a receipt indicating the documents submitted and the date they were received. You can pick up your documents and an extract from the Unified State Register within the specified period. You need to have a receipt and passport with you.

Registration period and cost

In accordance with current legislation, the registration period is counted from the moment the application and package of documents are submitted. According to Part 1. Art. 16 Federal Law No. 218 dated July 13, 2015, property registration is carried out within 12 working days. It all depends on the specifics of the transaction and specific circumstances. If you submit documents through government services or the MFC, the period may increase by several days. When submitting documents directly to the registration authority, the registration period will be minimal.

The cost of the state duty is 2000 rubles. Moreover, the amount does not depend on the number of owners.

Nuances

When requesting documents from a construction company, pay attention to their condition. Their appearance must meet established requirements. According to Art. 18 of Federal Law No. 122 Rosreestr cannot accept for consideration documents with corrections, blots or strikeouts. This may be misinterpreted. In addition, it is impossible to determine exactly who amended the document.

If the developer does not fulfill his obligations and refuses to issue the required documents, he will have to go to the district court. And with a court decision you can apply to register the property. Otherwise, the process of registering real estate in a new building is no different.

If the apartment was purchased using bank borrowings, additional documents will be required. For a mortgage, a loan agreement is additionally submitted to Rosreestr. In this case, the real estate becomes collateral to the bank until the funds borrowed for its purchase are fully returned. The apartment becomes collateral.

Documents are drawn up in the general manner. The only exception is encumbrance. It is imposed by the registration authority. Once the loan is repaid, it can be withdrawn. Until this moment, the owner will have to obtain permission from the bank to carry out any actions and transactions.

The owner will have to obtain permission from the bank not only to sell the apartment, but also in case of renting it out for long-term rent.

Features of registration under an equity participation agreement

After completion of construction work, the developer provides the opportunity to those who bought apartments during the construction process to register ownership. To do this, the following steps are taken:

1. a protocol for the distribution of apartments and commercial space is drawn up;
2. a technical passport is issued;
3. signs the transfer deed;
4. the house is registered with Rosreestr;
5. the address of the house is assigned.

When shareholders enter into rights, there are two possible scenarios for the development of events. In the first case, the developer helps to collect the necessary documents and register the right. In the second case, the company may prevent registration. If in the first case the procedure is no different from the standard one, in the second case you will have to apply to the district court with a statement of claim.

As soon as the house is put into operation, the construction company transfers the apartments to the buyers. The process involves inspecting the apartment, checking communications and drawing up a transfer deed. If there are deficiencies, a report is drawn up and a deadline for elimination is set. If everything is in order, the owners are provided with the keys.

Since January 2013, the developer is required to register the entire house with all premises, including residential premises, on the cadastral register. For this reason, shareholders do not need to separately request a cadastral passport. If the developer delays the process of obtaining a cadastral passport, the owner will first have to order a technical plan of the residential premises from the BTI. Only after this can you contact Rosreestr to prepare documents and obtain a cadastral passport.

In accordance with paragraph 11 of Art. 48 Federal Law No. 218 of July 13, 2015, to register property under the DDU, the following is required:

• passports of citizens who took part in shared construction;
• equity participation agreement;
• transfer deed for residential premises;
• permission to put the house into operation;
• receipt of payment of state duty;
• birth certificates for minor owners;
• a loan agreement in the case of obtaining a mortgage for the purchase of an apartment.

If the contract is concluded by only one spouse, written consent is required from the second. It must be certified by a notary.

The registration process itself is no different from the usual procedure. But in this case, it is not necessary to register in person. Sometimes registration is carried out by development companies.

Thus, registration of rights to an apartment in a new building depends on many factors. To do this, you need to collect documents and submit for registration to Rosreestr. After this, you will become a full-fledged owner of the residential premises.

The completion date of the construction process specified in the contract determines the completion date of the construction work. Putting the building into operation is possible after obtaining permission.

The process of putting a building into operation consists of several stages:

1. At the time of commissioning, all construction work must be completed and communications laid.
2. Technicians come to the site and measure the areas of apartments and the entire building, in particular, to draw up technical plans.
3. The selection committee holds a meeting, following which permission is issued. It indicates the compliance of the building with the urban planning and general plan.
4. Then the design and inventory bureau issues a technical passport.
5. The authorities that issued the technical conditions for construction accept the finished building.

Depending on the complexity of the object, the issuance of permission for commissioning may occur 3–6 months after completion of construction. Only after this the owners of apartments in the new building can receive their keys and register ownership of their housing.

Acceptance of the apartment and documents for it from the developer

During the apartment acceptance process, two documents are drawn up:

• inspection sheet if any deficiencies are found.

Acceptance of apartments by shareholders occurs after a week from the date of commissioning of the house.

Violation of the deadlines for both the acceptance of the apartment and the commissioning of the building threatens the developer with the payment of penalties if the share participation is formalized in accordance with all the rules in accordance with the norms of Law No. 214-FZ.

Apartment acceptance procedure:

1. Study the documents that the developer will issue.
2. Look around the room. Describe in detail any deficiencies found during the inspection on the inspection sheet.
3. Sign the acceptance certificate only if no deficiencies are found or they have already been eliminated. After signing this document, the obligations of the developer company are considered fulfilled, and the residents will have to eliminate the shortcomings.

You can “deal with” the defects found in the apartment in several ways:

• the developer will fix everything himself;
• the owner will eliminate the deficiencies, and the developer will compensate for the costs of repairs;
• the cost of housing can be reduced by the amount needed for repairs.

The owner must have the document in his hands, signed by the developer’s representative. One copy remains with the developer. However, it is not always possible to accept an apartment the first time.

Where to go to register property rights?

When the apartment is inspected, the defects are eliminated, it is necessary to register the ownership of housing and receive a certificate. Only from this moment does the shareholder become the full owner of the apartment.

Possible subject to:

The procedure for registering ownership of an apartment in a new building is carried out by the Federal Registration Chamber.

Package of documents for registration

The following documents will be required from the equity holder:

List of documents for registration not exhaustive.

In some regions of the Russian Federation, additional documents may be required, so it is better to check this with the territorial office of the Cadastral Chamber in advance.

Procedure and terms for registration of property rights

Takes up the registration process about a month, but can last longer. You can register the right yourself, through a law firm, or use the paid services of the same developer.

An apartment in a new building looks like this:

During registration, not only all owners must participate, but also developer representative.

If one of the owners is a minor, a parent or legal representative signs the documents on his behalf.

Possible difficulties during registration

The period for registering property rights can be very delayed for several reasons.

• transfer and acceptance certificate signed by the developer;
• if the property right is registered for a minor child, you must obtain permission from the guardianship authorities;
• cadastral passport for the apartment (explication), registration and issuance of which occurs after the new building is registered with Rosreestr;
• bank agreement, if the apartment was purchased on credit or with a mortgage;
• passports of all future owners and birth certificates of children;
• power of attorney, if registration is carried out by a representative of the shareholder;
• receipt of payment of state duty;
• share participation agreement.

Registration of new building ownership

How can participants in shared construction or buyers of housing in new buildings file a claim for recognition of property rights if they first need to collect the very missing documents that do not yet exist or the developer refuses to issue papers?

The procedure for registering the received property as a property

Many people do not know how to register ownership of an apartment. Moreover, this applies to residential premises in new buildings, because checking the legal purity of such apartments is much easier than when purchasing housing on the secondary market. Every person who needs to register an apartment in their own name, must know where the registration process begins and how ownership is acquired.

The procedure and features of registering ownership of an apartment in a new building

To register ownership of housing in new buildings, the buyer needs to wait not only for the completion of construction, but also for the completion of the procedure for the developer to complete all legal documentation. At the same time, in practice, finishing work and preparation of legal documentation are not always completed at the same time.

Conditions and procedure for registering ownership of an apartment in a new building

Many people mistakenly think that they are the owners of an apartment in a new building, having the keys in their hands and even living in it. Remember - Only after registering ownership of an apartment can one be considered its full owner. This article lists the conditions and step-by-step procedure for registering ownership of an apartment in a new building.

Registration of ownership of an apartment in a new building: terms, documents

Transactions related to various real estate operations are subject to mandatory entry into the unified state register. However, many developers believe that the purchase agreement is the title document. However, they are in no hurry to issue the appropriate certificate. Such developers, after receiving money, avoid submitting an application to Rosreestr. Therefore, the buyer does not have the opportunity to register ownership of the property according to the generally accepted procedure. If the construction company avoids submitting an application to the registration service, the ownership may be registered in court.

Registration of ownership of an apartment in a new building

All this delays the preparation of the transfer acceptance certificate, without which registration of ownership of an apartment in a new building is impossible. This kind of red tape is one of the reasons why many people prefer to make real estate transactions on the secondary market. You can read an article on this topic on our website.

Registration of ownership of a new building

• Permission to put the house into operation,
• Registration certificate for the house ( results of BTI measurements of actual areas),
• Area Allocation Protocol ( which apartments go to whom in the end?),
• Act of implementation of the investment contract ( closing obligations to local authorities),
• Acts of acceptance and transfer of apartments in the building ( closing obligations to shareholders/co-investors).

Registration of ownership of an apartment in a new building, documents, step-by-step instructions

• Pre-trial resolution of the dispute - at the beginning, a correctly completed claim (private or collective - by one or more shareholders) is sent to the developer. After receiving a refusal, you can go directly to the court.
• Appeal to court - the reasons for the impossibility of registering property due to the guilt of the developer are indicated. Basically, the court takes the side of the shareholders and, as a rule, developers are not at all against resolving the problem in this way.

New building: registration of apartment ownership

The next serious drawback of the delayed registration of property rights is the increase in the period for paying income tax when selling an apartment. According to the Tax Code, the seller of an apartment is exempt from income tax after three years of ownership of the property. This period is calculated after registration of rights.

How to properly register ownership of a new building

For those who are counting money, the option of obtaining a certificate of ownership on their own is suitable. Cheap doesn't mean fast. Get ready to stand in line and collect stacks of documents and their copies. You can start the paperwork after the developer has registered ownership of the first apartment in the house. This fact will mean that the address is open, that is, for officials the new object begins to formally exist. To obtain a package of documents, the buyer will have to contact the developer. Moreover, you need to be prepared for the fact that the company will refuse this matter or require you to pay extra for preparing the papers. In some cases, developers provide documents, but not the complete set, and the buyer has to obtain the remaining documents for a long time. After everything necessary is in hand, the person needs to submit the documents to the Federal Reserve System and wait for them to be processed.

Nuances of registering ownership of apartments from the developer in new buildings

However, even at this stage, difficulties may arise that delay the registration process. As a rule, this is due to the developer’s delay in completing and approving all documents for the house and the official commissioning of the property. This procedure is not easy and often takes a lot of time.

How to register an apartment in a new building as your own

The successful completion of each of the above stages is evidenced by relevant documents. The developer demonstrates them to the investor upon request. You can find out the address of the construction company’s office from the share agreement or other agreement concluded with the company. Do you think that the developer is delaying taking the necessary actions? Ignores investors' requests? In the current circumstances, there are two options: continue to wait or move the dispute to the court level.

Registration of ownership of an apartment in a new building

From the company's side:

1. Initially, you need to draw up an act in which there are clear delineations of the area, as well as possible options for operation.
2. Promptly contact the Bureau of Technical Inventory to obtain a real estate passport.
3. The developer is obliged to certify the transfer deed in accordance with the law.
4. Register housing in a unified register.
5. Assign an address to the property.

Registration of an apartment in a new building as property

The issue of the amount of state duty is regulated by the Tax Code of the Russian Federation. Currently, the fee for registering property rights is is 2000 rubles for individuals, and for registration of a cadastral passport 200 rubles. It is worth monitoring these changes, as upward adjustments are made regularly.

Hello. Whether under an equity participation agreement, under an assignment of rights agreement, or under a share accumulation agreement (participation/entry into a housing cooperative), ownership of an apartment is registered in the same way. Therefore, my instructions are suitable in most cases.

According to Art. 219 of the Civil Code of the Russian Federation, only after registration of ownership of an apartment can one be considered its full owner. Otherwise, many people think that for this it is enough to simply buy an apartment from the developer and have the keys.

Stage No. 1 - Check with the developer whether it is possible to register ownership of the apartment

If the developer has notified that the apartment can be registered as a property, go to. Usually the developer notifies about this by phone, SMS or on his website/forum.

You can register ownership of an apartment only if:

• The developer obtained permission from the district administration to put the house into operation.
• The district administration registered the house with cadastral registration in Rosreestr.
• The developer drew up a protocol for the distribution of residential and commercial real estate.
• The developer issued a technical passport for the entire house at the BTI (Bureau of Technical Inventory).
• The district administration assigned a postal address to the house.
• The developer executed a transfer deed with the State Architectural and Construction Organization.

Check all this with your developer. If you are ready, then you can proceed to registration - step No. 2 below.

Stage No. 2 - prepare documents

The apartment is registered only to those shareholders who are specified in the foundation agreement.

• Foundation agreement;

  This is an agreement that the citizen signed with the Developer. According to it, the Developer undertakes to transfer to him an apartment in the constructed apartment building. The basis agreement can be an equity participation agreement (EPA), an agreement on the assignment of rights of claim, an agreement on a housing construction cooperative (HBC), etc. We need the originals of the agreement from each shareholder/investor. If there are any additional agreements to the contract, then they also need to be attached.

• Transfer and Acceptance Certificate;

  Shareholders sign this document after inspecting the apartment. The number of originals must be equal to the number of shareholders + one. For example, if there are two shareholders, then three original deeds are needed. An additional original can be requested from the developer or a copy certified by a notary.

• Mortgage agreement if the apartment was purchased with a mortgage;

  Additionally: If the mortgage agreement or foundation agreement states that property rights must be registered simultaneously with the registration of the mortgage, then you must first order an appraisal of the apartment. Ask your mortgage professional for a list of appraisal companies. Each bank has its own accredited appraisers with whom it works. The assessment costs from 3 thousand rubles. The appraiser needs to be given a copy of the transfer and acceptance certificate, the foundation agreement, and the technical plan of the apartment (taken from the developer).

  The resulting assessment and documents for the apartment must be brought to the bank. Based on them, the specialist will issue a mortgage for the apartment. It takes from 2 weeks to 2 months to complete. The original mortgage note and appraisal must be attached to the remaining documents for registration. Some banks do not hand over the mortgage to the equity holder, and only send their specialist to submit it for registration.

  If there is no mortgage clause, then it is not necessary to provide it. Most banks oblige the investor to register a mortgage after registering the property within a certain period. In this case, there is also no need to attach the mortgage note and appraisal.

• Passports. If the shareholder is under 14 years old, then a birth certificate.
• Notarised power of attorney, if the documents will be submitted by an authorized person. The principal's passport does not need to be attached to the power of attorney.
• Marriage certificate, if the spouses register the apartment as joint ownership. We need the original.
• Certificate of full payment of the share, if a share accumulation/entry into a housing cooperative agreement was drawn up with the shareholder. In case of DDU or assignment, such a certificate is not required.

There is no additional need to obtain permission to put the house into operation. Usually this document is already available in Rosreestr. If not, then the registrar himself requests it from the district administration.

After receiving the keys and checking in, we are left with one last unsolved problem - how to make an apartment in a new building your own own ? There are several solutions to this problem, which we will look at below.

In practice, document preparation and procedure registration of ownership of an apartment in a new building, usually lasts for months, or even years. All this time, of course, we can live in our apartment, use it, make repairs there ( because the house is rented, we received the keys), but it won’t be possible to dispose of it yet. AND "register" in her too.

And absence brings us tangible troubles: firstly, we are deprived of many local social services ( clinic, kindergarten, etc.), and secondly, we will pay for utilities at average city tariffs, which are 2-3 times higher than usual municipal ones!

In addition, it is worth remembering that if we plan to sell our apartment, the Seller is released from it only if 3 years have passed from the date of receipt ( and since 2016 already - 5 years, more about this -). The time of actual residence in an apartment without a registered right is not taken into account ( those. added to these years).

Without registered title There are also additional costs associated with payments. Interest on a loan for unregistered ( formally – not ready) housing, approximately 1-2% higher than ready-made ( after all, it will not be easy for the bank to sell the unfinished building if the borrower does not repay the loan).

After registering ownership of the apartment, the bank usually reduces the initial interest rate.

Documents for registration of ownership of an apartment in a new building

All in all, register our apartment as property we need it as quickly as possible. But, unfortunately, this has little to do with us.

And this depends, first of all, on the organization and efficiency of our team. He must collect an impressive package of documents for, the key ones being:

• Permission to put the house into operation,
• Registration certificate for the house ( results of measurements of actual areas),
• Area Allocation Protocol ( which apartments go to whom in the end?),
• Act of implementation of the investment contract ( closing obligations to local authorities),
• Acts of acceptance and transfer of apartments in the building ( closing obligations to shareholders/co-investors).

First all package of documents the house undergoes an examination, which lasts a month ( in law). Then, if the registrar has any questions or comments, then Developer eliminates them ( Sometimes it takes a few more months).

If the registrar has no questions, the registration of ownership of the first apartment in the house (so-called “opening a registration address” ). From this moment on, for the registrar the house becomes “existing”, and this is the beginning of the chain of registration actions for registration property rights for the remaining apartments in the new building.

Depending on the price at which the apartments were sold Developer, procedure registration of ownership can go two ways:

1. Developer registers the apartment first in his name, and then sells it to us ( To the buyer) as usual. Those. in essence, the apartment is being sold as if on .
   This case is possible, for example, if we deposited money on the basis of and/or.
2. Developer immediately registers a new apartment for the shareholder/co-investor. This happens when the apartment was purchased at , or .
   This case is more common, and we will consider it ( because it is he who personifies).

Here we can have three ways to register ownership:

1. Rely on Developer and wait until he does everything as expected ( will register the ownership rights to each apartment in the house, with a power of attorney from each shareholder);
2. Get involved in registering your property rights yourself ( those. do this work for the Developer);
3. Register our right through the court ( if the Developer does not move or prevents the registration of our rights).

Let's look at them in order.

The developer registers ownership of the apartment

In the first case we have the least hassle, but can lose the most time if our Developer will not be very efficient. Besides, Developer may require additional payment from us “for labor” for registration of apartment ownership. Moreover, the amount “for labor” can reach up to 2-2.5% of the cost of the apartment.

True, if these payments are not provided for in the contract, then we have the right to stand up and demand that he register the property free of charge ( threatening him with consumer protection, civil court and God's punishment to terrify him).

In practice, the period from the moment of check-in ( receiving keys) until the receipt of ownership of an apartment in a new building is, on average, 3-9 months. ( if the Developer acts promptly). But there have been cases when property was waited for 3-4 years.

If we decide not to wait Developer, And register ownership of a new building yourself, then we can save money and speed up the process somewhat, but we will have to tinker. From Developer we will still need a number of documents necessary for registration, and again they may demand money from us for this.

We ourselves will have to collect the following package of documents:

• Application for registration of rights;
• Ours or Agreement on assignment of claim rights (if we bought an apartment from one of the construction co-investors);
• Loan agreement with the bank and mortgage ( if we purchased the apartment with a mortgage);
• in a new building;
• (if the Developer has registered not only the house, but also the apartments in it for cadastral registration);
• (if one of the owners is a minor, and the apartment will be pledged to the bank for);
• Receipt for payment of state duty for registration.

If Developer put it on cadastral registration just built a house, but did not submit documents for cadastral registration of apartments in the house, then we will have to do it ourselves.

First we order from BTI ( in the same one in which the Developer ordered measurements of the areas), our apartment. Then with this document we go to Cadastral Chamber (division of Rosreestr) and put our apartment there on cadastral registration . Then we get there Cadastral passport to our apartment, and together with the documents listed above we transfer the entire package to register ownership.

The registrar enters the relevant information into Unified Real Estate Register (USRN) and returns our contract to us ( DDU or Contract of Assignment of the Right of Claim), with stamp UFRS O registration of property rights.

If you don’t have the time or desire to do the design yourself, but Developer does not show enthusiasm in this process, then you can contact specialized commercial organizations that deal with registration of property rights in real estate.

Third way registration — through the court - we choose when Developer he himself is not involved in this matter, and under various pretexts he refuses to issue us the necessary documents for self-registration. Then we have a direct road to court.

Often this option turns out to be the most reliable, compared to the prospect of “butting heads” with Developer, and try to scratch out the missing papers from him.

To go to court, we will need to correctly draw up claim for recognition of ownership rights for real estate, prepare the relevant documents confirming our requirements, receive a receipt for payment of the state duty, and hand it all over to the court office at the location new buildings. Next, we will need to participate in court hearings and prove our case there.

Of course, you can do all this yourself, but it is wiser and more reliable to involve for these purposes those who have established judicial practice in such cases. Moreover, the cost of services of such lawyers is usually lower than the cost that Developer charges for registration of ownership.

Package of documents for registration of ownership of a new building through the court, slightly more than when registering yourself ( without trial).

For the court, in addition to the package of documents listed above, additional technical documents from BTI, and documents from Developer(Permission to put the house into operation, Protocol for the distribution of areas, etc.). But this is the concern of lawyers.

♦ ♦

In this case registration our right will be carried out without the participation Developer, based court decisions .

It happens that Developer, having objective obstacles that interfere registration of property rights, he offers to the Buyer register the right through the court .

♦ Reasons for delay in registration of property rights (examples) ♦

Obtaining ownership of a new building through the court– the procedure is not quick ( may take from several months to one and a half years), but is reliable. Judicial practice shows that in most cases, private individuals - equity holders and co-investors in construction - are recognized as having ownership rights to constructed apartments.

Only after receiving the registered documents in hand can we breathe easy - the apartment has not been sold several times, possible disputes related to it have been resolved, and we can finally “register” in our apartment.

So, showing Olympic calm and patience, we waited for the Developer (or the court) to register ownership of our long-awaited apartment. Oof! Now she is completely OURS! And we can not only use it, but also manage it.

We invite guests, accept congratulations, set up a table in the restaurant - now we have something to celebrate!!!