FakeApi

BasePath: /tmp/HblFinstarFakeApi

CurrentPath: BasePath / RealEstateApi

File: realestate-01383660-5b3b-48d4-80f8-749e1328973f.json

{
  "id": "01383660-5b3b-48d4-80f8-749e1328973f",
  "address": {
    "street": "Seetalstrasse",
    "streetNumber": "45",
    "zip": "5706",
    "town": "Boniswil"
  },
  "premises": [
    {
      "id": "3d9a6fa0-b797-4325-8359-577321c66e73",
      "premisesType": "SingleFamilyHome",
      "usageType": "PersonalUsage",
      "marketability": "Good",
      "address": {
        "street": "Seetalstrasse",
        "streetNumber": "45",
        "zip": "5706",
        "town": "Boniswil",
        "canton": "AG"
      },
      "landRegistry": {
        "registryType": "LandRegistry",
        "landRegistryNo": "527",
        "landRegistryPlanNo": "31"
      },
      "buildings": [
        {
          "type": "SingleFamilyHome",
          "isMainBuilding": true,
          "isLuxury": false,
          "isHoliday": false,
          "buildingUsage": {
            "netRentalIncome": "0",
            "livingOwnUse": 0,
            "livingThirdPartyUse": 100,
            "businessOwnUse": 0,
            "businessThirdPartyUse": 100
          },
          "buildingInsurances": [
            {
              "insurance": "BuildingInsurance",
              "insuranceTypes": [
                "Fire",
                "ElementaryDamage",
                "Water"
              ],
              "insurancePolicyValidFrom": "2015-09-16",
              "insuranceValue": {
                "amount": "654000",
                "currency": "CHF"
              },
              "insuranceValuationDate": "2011-06-08",
              "insuranceCompany": {
                "id": "c75c3261-b417-410d-ba61-3a08ff781d4c",
                "no": "132500",
                "companyInfo": "132.500 Aarg. Gebäude- Versicherungsanstalt, Aarau"
              }
            }
          ]
        }
      ],
      "valuations": [
        {
          "valuationDate": "2010-12-27",
          "realValue": "731000",
          "lendingLimit": "700000",
          "statusCode": "Approved",
          "remark": "Wir haben den Kaufpreis von CHF 625000.00 mit der IAZI-Schätzung (vor Umbau) von CHF 644000.00 plausibilisiert. Die Realwertberechnung ergibt CHF 681000.00. Nach Investitionen von rund CHF 75000.00, welche wir zu 2/3 wertvermehrend anrechnen, beträgt der RW CHF 731000.00. Wobei die Eigenleistungen Umgebung/Gartenneugestaltung von ca. CHF 30000.00 nicht berücksichtigt sind. Wir gehen deshalb von einer Belehnungsbasis von CHF 700000.00 (KP+Inv) aus. Diesen Wert werden wir nach definitiver Schätzung durch die AVA noch verifizieren und das Objekt nach Umbauvollendung besichtigen (Fotos)."
        },
        {
          "valuationDate": "2021-01-27",
          "realValue": "729000",
          "lendingLimit": "700000",
          "statusCode": "Approved",
          "remark": "Der Kaufpreis beträgt CHF 720000.--. Wir halten uns weiterhin an den letzten Schätzungswert vom 21.09.2015 von CHF 700000.-- als Belehnungsbasis."
        },
        {
          "valuationDate": "2015-09-16",
          "realValue": "729000",
          "lendingLimit": "720000",
          "statusCode": "Approved",
          "remark": "Der Kaufpreis per 01.11.2015 beträgt CHF 720,000.00. Gestützt auf die aktuellen AGVA-Zahlen haben wir unsere Realwertberechnung von CHF 729,000.00 mit der IAZI-Schätzung (rot / *, Verhältnis Raumvolumen / Wohnfläche ungewöhnlich) von CHF 708,000.00 plausibilisiert. Der ursprüngliche Kaufpreis von CHF 750,000.00 wurde reduziert, da sich die Käuferschaft bereit erklärt hat, eine laufende Festtranche von CHF 300,000.00 zu 2.55 % bei der HBL für die Restlaufzeit von 5 Jahren zu übernehmen. Wir halten uns an den Kaufpreis von CHF 720,000.00 als Belehnungsbasis."
        },
        {
          "valuationDate": "2015-09-21",
          "realValue": "729000",
          "lendingLimit": "700000",
          "statusCode": "Approved",
          "remark": "Der Kaufpreis per 01.11.2015 beträgt CHF 720,000.00. Gestützt auf die aktuellen AGVA-Zahlen haben wir unsere Realwertberechnung von CHF 729,000.00 mit der IAZI-Schätzung (grün / ***, Nettowohnfläche neu 180 m2, Lage von \"gut\" auf \"mittel\" reduziert) von CHF 707,000.00 plausibilisiert. Der ursprüngliche Kaufpreis von CHF 750,000.00 wurde reduziert, da sich die Käuferschaft bereit erklärt hat, eine laufende Festtranche von CHF 300,000.00 zu 2.55 % bei der HBL für die Restlaufzeit von 5 Jahren zu übernehmen. Wir halten uns weiterhin an den letzten Schätzungswert vom 27.12.2010 von CHF 700,000.00 als Belehnungsbasis."
        }
      ],
      "rightOfLien": [
        {
          "obligationAmount": {
            "currency": "CHF",
            "value": "15000",
            "antecedentAmount": "35000",
            "rankRivalryAmount": "0"
          },
          "obligation": {
            "obligationId": "1ba32af5-68bb-499c-bffa-844a5f2b1043",
            "rightOfLienTypeNo": 2,
            "creationDate": "2010-12-23",
            "rank": 2,
            "description": "d.d. 23.12.2010\r\nGB Boniswil Nr. 527\r\n2. Rang / Vorgang CHF 35'000.00",
            "manualDescription": false,
            "maximumInterestRate": "6",
            "pfandbriefbankEligible": false
          },
          "premisesRelationPfandbriefbank": {
            "chargeableAmount": "15000"
          },
          "premisesRelationTotalDeposit": {
            "rank": 2,
            "antecedentAmount": "35000"
          }
        },
        {
          "obligationAmount": {
            "currency": "CHF",
            "value": "550000",
            "antecedentAmount": "50000",
            "rankRivalryAmount": "0"
          },
          "obligation": {
            "obligationId": "4fe0c2ed-ef9c-4fbd-9a3c-1a16af0154a8",
            "rightOfLienTypeNo": 1,
            "creationDate": "2011-01-21",
            "rank": 3,
            "description": "d.d. 21.01.2011\r\nGB Boniswil Nr. 527\r\n3. Rang / Vorgang CHF 50'000.00",
            "manualDescription": false,
            "maximumInterestRate": "10",
            "pfandbriefbankEligible": false
          },
          "premisesRelationPfandbriefbank": {
            "chargeableAmount": "550000"
          },
          "premisesRelationTotalDeposit": {
            "rank": 3,
            "antecedentAmount": "50000"
          }
        },
        {
          "obligationAmount": {
            "currency": "CHF",
            "value": "35000",
            "antecedentAmount": "0",
            "rankRivalryAmount": "0"
          },
          "obligation": {
            "obligationId": "b5d68e7a-2a38-4813-93bb-12c8f1958db6",
            "rightOfLienTypeNo": 2,
            "creationDate": "2010-12-23",
            "rank": 1,
            "description": "d.d. 23.12.2010\r\nGB Boniswil Nr. 527\r\n1. Rang",
            "manualDescription": false,
            "maximumInterestRate": "6",
            "pfandbriefbankEligible": false
          },
          "premisesRelationPfandbriefbank": {
            "chargeableAmount": "35000"
          },
          "premisesRelationTotalDeposit": {
            "rank": 1
          }
        }
      ]
    }
  ],
  "ownership": [
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      "ownerPartnerNumber": "262477",
      "ownerInfo": "262.477 Muster Max und Erika, Gränichen",
      "validFrom": "2020-12-31",
      "ownershipType": "JointOwnership",
      "ownershipValue": "100",
      "ownershipDenominator": "Percent"
    },
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      "ownerPartnerNumber": "105.676",
      "ownerInfo": "Muster Fritz",
      "ownershipType": "Co-Ownership",
      "ownershipValue": "4.35",
      "ownershipDenominator": "Percent"
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      "ownerInfo": "Müller Maria",
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      "ownershipDenominator": "Percent"
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      "ownerInfo": "Rossi Mario",
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      "ownerInfo": "Generali Personenve ",
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}