BENNECKE Blog

Purchase a property through us and your purchase will be automatically guaranteed for twenty years with Safe Purchase Guarantee provided by Caser.

Caser are major insurers in Spain and insure the Spanish Savings Banks. Their insurance will give you total peace of mind and covers you purchase for a period of twenty years.

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 guarantee that all your legal rights stated in the title deed will be respected.

· We certify that the property you have purchased fulfils all the agreed legal conditions.

· We undertake a Guaranteed Commitment of Resolution within Six Months. Lawyers expert in Real Estate Law will manage your problem with the highest standards of diligence and efficiency and if we cannot sort out your title defect within six months, we will compensate.

· 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 with a maximum limit of indemnity of 360,000 €.

WE WILL PROTECT YOU AGAINST…

· 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 in this case 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 simply because your house was built 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, which has been 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.

· DEFECTIVE SIZE IN OFF 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.

· 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.

· UNPAID TAXES, QUOTAS OR UNSETTLED COMMUNITY EXPENSES

Over the course of the 20 years:

- You discover you have been paying too much in 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 prior to your purchase.

- Or for example, there are outstanding taxes prior to your purchase that you should not pay.

- Etc.

· BOUNDARY ISSUES

Your neighbour 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.)

· HIDDEN LEGAL DEFECT

Over the course of the 20 years, you may find a mistake or discrepancy in the title deeds that makes it impossible or difficult to sell your property or that limits your rights of ownership or enjoyment.

· COMMUNITY DISPUTES

Over the course of the 20 years, you may discover agreements passed by the Community of Property Owners that could limit your rights over the property.

· MARITAL PROBLEMS

The person from whom you bought your property has sold it without spousal consent and that threatens your title to the property. If there is a minor child involved, you may not able to access the home you have bought.

· LACK OF THE CERTIFICATE OF OCCUPANCY

You discover that the property you have recently bought is not issued the certificate of occupancy which is compulsory to connect water and electricity supply.

Exclusions: Damage, contamination and all defects in the knowledge of the owner prior to the date this policy takes effect.

A PARTIR DE AHORA,  TODAS NUESTRAS VIVIENDAS INCLUYEN LA GARANTÍA COMPRA SEGURA 20 AÑOS DE CASER, GRATUITA PARA TODOS LOS CLIENTES QUE COMPREN UNA VIVIENDA CON NOSOTROS.

SÓLO ESTE SELLO GARANTIZA UNA COMPRA SEGURA Y PROTEGIDA

Exija la garantía que sólo puede ofrecerle este sello, avalada por Caser - la Aseguradora de las Cajas de Ahorro de España.

Sólo aquí protegemos la compra de su vivienda durante 20 años DE FORMA TOTALMENTE GRATUITA.

Mediante el sello “Compra Segura”, nuestra inmobiliaria le otorga más que otras inmobiliarias, porque durante los próximos 20 años:

· Le garantizamos que los derechos legales adquiridos en la escritura serán respetados.

· Certificamos que la vivienda que usted ha comprado reúne todas las condiciones legales pactadas.

· Establecemos un compromiso de resolución garantizado en un plazo máximo de 6 meses. Abogados expertos en Derecho Inmobiliario gestionarán la resolución de su problema con la mayor diligencia y efectividad.

· Le permitimos disfrutar con total tranquilidad, de la inversión más importante de su vida.

INDEMNIZACIÓN HASTA EL VALOR DE LA COMPRA DE LA VIVIENDA EN ESCRITURA.

De no resolverse su problema antes de 6 meses, Caser – la Aseguradora de las Cajas de Ahorros – le indemnizará por el perjuicio sufrido (límite máximo: 360.000€)

LE PROTEGEMOS FRENTE A…

· SUPLANTACIÓN DE LA IDENTIDAD DEL VENDEDOR

Durante los próximos 20 años si le estafan vendiendo su propia vivienda a un tercero, falsificando su identidad. El Tribunal Supremo determina en numerosos casos que la propiedad de la casa debe ser del tercero que compra de buena fe. Usted puede perder su casa.

En el acto de la compra, si el vendedor, o bien, no es el verdadero propietario o actúa representando al propietario con poderes falsos o revocados.

· NO INSCRIPCIÓN EN EL REGISTRO DE LA PROPIEDAD

Consecuencias:

• INDEFENSIÓN legal del propietario por la que puede perder la propiedad o sufrir perjuicios económicos ante cargas o embargos que se cuelan.

• INSEGURIDAD jurídica. El seguro actúa, en este caso, como un Registro alternativo preservando las garantías que debería otorga el Registro de la Propiedad.

· ORDEN DE DEMOLICIÓN

Si transcurridos unos años se dicta una Orden de Demolición sobre su casa porque se demuestra que el premiso de construcción concedido en su día es ilegal al haber infringido leyes de ordenación del territorio (Plan de Ordenación Urbana) en el momento de la compra, o simplemente porque su vivienda fue edificada o reformada sin permiso de construcción o infringiendo los términos de dicho permiso.

· OTROS EXPEDIENTES ADMINISTRATIVOS ABIERTOS NO DESVELADOS

No se desvela en la compraventa que existe una diligencia de expropiación, ruina o rehabilitación.

· CUERPO CIERTO

A pesar de haber transcurrido el tiempo, son numerosos los casos en los que se descubre que parte de una vivienda resulta no ser propiedad de quien la compró. Por ejemplo: una terraza, que luego resulta ser zona común, ampliación fraudulenta de la parcela por parte de antiguos propietarios, etc.

· IMPOSIBILIDAD DE ACCESO

Imposibilidad futura de acceso a su vivienda, garaje o trastero. Por ejemplo: el vendedor no abandona la casa, la plaza de garaje carece de accesos y no puede aparcar, no le dan el trastero que compró, etc.

· DEFECTO DE CABIDA EN VIVIENDA SOBRE PLANO

- En obra nueva, la superficie útil de la vivienda resulta ser inferior en más de un 10% a la

comprometida cuando la adquirió sobre plano.

- El garaje que adquirió sobre plano tiene unas dimensiones que imposibilitan aparcar un

coche.

· CONCURSO DE ACREEDORES DEL VENDEDOR

En los próximos años, un juez declara que la casa que ha comprado está sujeta a concurso de acreedores del anterior propietario (derecho preferente de sus acreedores).

· DERECHOS DE TERCEROS: SERVIDUMBRES NO INSCRITAS

Existencia de servidumbres de luces o paso en la vivienda comprada, no desveladas en el momento de la compraventa.

· DERECHOS DE TERCEROS: HEREDEROS DESCONOCIDOS

- Si en el futuro aparecen antiguos propietarios o herederos desconocidos reclamando su

propiedad.

- Se determina que ha existido falsa interpretación de las últimas voluntades.

· CONFLICTO DE LINDES

Su vecino asegura que la vivienda que usted compró excede los linderos establecidos, invadiendo su propiedad.

· IMPUESTOS, CUOTAS O GASTOS DE COMUNIDAD PENDIENTES DE PAGO

En los próximos 20 años:

- Descubre que paga más gastos de comunidad de los que debería porque su coeficiente

está mal fijado.

- Le intentan hacer pagar una cuota o derrama que no le corresponde.

- Existen impuestos pendientes de pago que por error u omisión no debería pagar.

- Etc.

· CONTRATO DE ALQUILER OCULTO EN VIGOR

La casa que ha comprado tiene un contrato de alquiler anterior a favor de un tercero. El contrato de arrendamiento tiene plena vigencia hasta su vencimiento, independientemente del cambio de propietario

· VENDEDOR INCAPAZ

Descubre que compró a un vendedor incapacitado legal (minoría de edad, incapacidad mental, vejez, etc.) o judicialmente.

· VICIOS LEGALES OCULTOS

A lo largo de 20 años puede descubrir un error o irregularidad en la escritura que impida/dificulte la venta de su vivienda o limite su derecho de propiedad o disfrute sobre la misma.

· DISPUTAS CON LOS VECINOS

Durante los futuros 20 años es posible que descubra acuerdos adoptados por la Comunidad de Propietarios que limiten su derecho de propiedad o de uso y disfrute sobre la vivienda adquirida.

· PROBLEMAS CONYUGALES

La persona a la que usted ha comprado le ha vendido el hogar conyugal sin el consentimiento de su pareja. Si hay un hijo común menor de edad, usted no podría acceder a la vivienda que acaba de comprar.

· AUSENCIA DE LA CÉDULA DE HABITABILIDAD DE LA VIVIENDA

Al comprar su vivienda de obra nueva descubre que carece de cédula de habitabilidad, no pudiendo contratar agua y luz.

Exclusiones: Daños, contaminación. Todo vicio conocido por el comprador antes de comprar ante Notario.

The boat making this route offers submarine views, a window to the underwater world.

The island of Tabarca is located at about twenty kilometers distance from the city of Alicante, and near the Santa Pola’s cape. It is 1,800 meters long and approximately 400 meters wide, and it is the biggest island which belongs to the Comunidad Valenciana and the only one which is inhabited.

Tabarca’s climate is mild, it has an annual average of 17ºC, and it is famous because of its clear waters both in its sand beaches –to the south- and its coves and cliffs surrounding the island. Tabarca’s natural conditions make it an ideal place for practicing water sports. 

Apart from this, it has a wide variety of seaside restaurants offering traditional seafood 
(caldero, paellas marineras, seafood, etc), and a worth-visiting museum, beautiful porches, emblematic buildings such as the Casa del Gobernador (Governor’s House), the San
Pedro and San Pablo church, etc.

Extract from Torrevieja.com

In the Real Club Nautico of Torrevieja, you can perform a variety of nautical activities aimed at both children and adults.

All activities are accompanied by qualified staff and given to each participant a diploma for having completed this course, as well as the federal license, which includes accident insurance.

Windsurf Experience the sensation of balance while you hold the power of the wind in your hands.

Activities in the sea for children and adults For all ages, morning or afternoon shifts

Cruceros Learn to sail at sea and enters the world of racing.

More information: Real Club Nautico de Torrevieja Phone: Call 626567571 (Teresa), web: sensacionesnauticas.rcnt.com

Extract from Torrevieja.com