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SAFE PURCHASE GUARANTEE
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.
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...
You will be covered for:
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.
You discover your house is subject to an undisclosed ruin or eviction order from your date of purchase.
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.
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.
If a judge rules that your property is subject to the previous owner's bankruptcy (preferential rights of the creditors)
Undisclosed right of way or unregistered charge in favour of a third party is discovered that affects the property.
Over the course of the 20 years:
Your neighbour says that the home you bought occupies some of the land belonging to him.
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.
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.)
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.
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.
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.
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.
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