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20 Years Property Guarantee

FROM NOW ON, 20 YEARS SAFE PURCHASE GUARANTEE WITH EVERY SALE.

20 years Property guarantee

If any person purchases the property from us, then the sold property will be automatically eligible for Safe Purchase Guarantee from Caser. Most savings banks in Spain are insured by Caser, a reputed player in the field of reinsurance. We at New One-Stop provide you with twenty years protection guarantee for any property bought from us. We are an experienced real estate consultancy in Spain who are accredited with the prestigious “Safe Purchase Brand” and offer the following advantages.

ONLY THIS QUALITY BRAND GUARANTEES A SAFE PURCHASE AND PROVIDES TOTAL PEACE OF MIND

20 Years Peace of Mind, Security, and Legal Protection

Always demand the SAFE PURCHASE GUARANTEE provided by Caser – the Insurer of the Spanish Savings Banks.

We keep your property safe for 20 years AT NO COST TO YOU

An estate agent accredited with the exclusive “Safe Purchase Brand” is giving you much more than other estate agents when purchasing your home in Spain: a certified extra property protection guarantee for the next 20 years.

  • We will ensure that all the legal rights mentioned in the property agreement will be respected
  • Also, we will examine and validate that the purchased property satisfies all legal requirements
  • We will Guarantee Commitment of Resolution of not more than six months and the case will be handled by most experienced real estate lawyers
  • If the issue is not resolved within the stipulated period of six months, the buyer will be compensated for up to the selling price capped at three hundred and sixty thousand Euros
  • We will safeguard the buyer against any false representation from the seller side
  • We will protect the buyer’s interest and rights if the seller is found not to be the real owner
  • Peace of Mind for your most important investment.

COVER UP TO THE PURCHASE PRICE AGREED IN THE TITLE DEED.

Should the problem not be resolved within 6 months, CASER – the Insurer of the Spanish Savings Banks – will compensate you for the damage suffered from a maximum limit of indemnity of 360,000 €.

WE WILL PROTECT YOU AGAINST…

Non-inscription in the land registry

The owner may suffer financial loss and lose the property against seizure. However, insured properties are protected from such incidents, as the insurance plays the role of an alternative register.

Demolition order

If the building license of the purchased property found illegal several years later on, then the owner can face the penalty, and the house can be demolished by order of the court. It is necessary to check whether the housing license is compliant with the land classification as standardized by the Urban Planning Scheme.

Other judicial orders in force

The purchased property may be subjected to an eviction order scheduled to be put in force after it was bought.

The sale “as is.”

There are multiple cases where it is found that a portion of a property is not owned by the person who purchased it. For instance, a terrace may belong to a common property, which was fraudulently added by the past owners to the premises.

Impossible to access

If the owner’s garage, home, or storeroom cannot be accessed, then that person will be covered. For instance, the previous owner may not choose to vacate the compound after the handover

When your home, garage or storeroom cannot be accessed, you will be covered. For example, the seller may not vacate the premises on completion, there is no access to your parking space or garage, and you cannot park, you are not given the storeroom you purchased, etc.

Defective size of Plan Purchase

  • If the property is bought “off plan,” and following physical completion, it is found to be more than 10% smaller than for what it was contracted.
  •  If the parking space is purchased “off plan” together with the property, and following physical completion, it is found to be too small to park a standard size car in.

Unpaid Taxes, Quotas or Unsettled Community Expenses

Over the course of the 20 years:

  • You discover you have been paying too much for community fees because at the time of purchase the property was assigned the wrong coefficient.
  • There is an attempt to make you pay an incorrect quota or unsettled community expenses before your purchase.
  • Or for example, there are outstanding taxes before your purchase that you should not pay.

Boundary Issues

Your neighbor says that the home you bought occupies some of the land belonging to him.

Hidden Valid Lease

You have bought a house that has, previous to your purchase, been leased to a third party. The lease is valid until it expires, regardless of who holds title to the property.

Purchase From An Incapable Seller

You discover that the person from whom you bought the property lacked the necessary legal capacity to sell (not of age, mental handicap, senile dementia, etc.)

False Representation By The Vendor

You will be covered for:

  • The next 20 years, if they were selling or leasing your own property, forging your identity. Spanish Supreme Court has ruled in favour of a third party purchasing property in good faith. You could lose your property.
  • The act of purchase, if the vendor either is not the real owner or he/she acts in representation of the owner with false or revoked powers.

Non-Inscription in The Land Register

Consequences:

  • LEGAL DISADVANTAGE of the owner whereby he/she may lose the property or suffer financial loss against charges or seizure.
  • LEGAL INSECURITY. The insurance acts as an alternative register, providing the guarantees which should have been offered by the Land Registry.

Demolition Order

Imagine that after several years, a Demolition Order is placed on your house because it is shown that the building license by virtue of which it was built, is illegal because it infringed land classification (Urban Planning Scheme) at the time of purchase, or just because your house was established without a license or in breach of the terms of the building license.

Other Administrative Orders in Force

You discover your house is subject to an undisclosed ruin or eviction order from your date of purchase.

Sale As Is

Even when some time has gone by, there are numerous cases in which it is discovered that part of a property does not belong to the person who has bought it. For example: a terrace turns out to be common property, fraudulently added to the plot by the previous owners.

Impossible to Access

When your home, garage or storeroom cannot be accessed, you will be covered. For example: the seller may not vacate the premises on completion, there is no access to your parking space or garage and you cannot park, you are not given the storeroom you purchased, etc.

The bankruptcy of the Seller

If a judge rules that your property is subject to the previous owner’s bankruptcy (preferential rights of the creditors)

Third Party Rights: Easements

Undisclosed right of way or unregistered charge in favour of a third party is discovered that affects the property.

Third Party Rights: Unknown Heirs

  • Old property owners or unknown heirs from the past appear to claim their property.
  • It is determined whether there has been mistaken execution of a Last Will and Testament during the most recent transactions that affects your property.

Hidden Valid License

You have bought a house that has, previous to your purchase, been leased to a third party. The lease is valid until it expires, regardless of who holds title to the property.

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