¿Qué es la compra sobre plano?

por | 17 Oct 2017 | News | 0 Comentarios

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Comprar sobre plano es algo que inevitablemente, genera cierta inquietud. El hecho de no ver materializada la vivienda, confiar en los promotores y dejar que la imaginación haga lo suyo tiene sus riesgos. Ahora, el gobierno quiere regular las garantías de la compra sobre plano. ¡Te lo contamos!
En pleno boom inmobiliario se dieron casos de personas que compraron sus viviendas sobre plano, y acabaron pagando por algo que no era lo que les habían prometido, teniendo que ir a juicio para reclamar su dinero, etc.  Como suele pasar, unos pocos lograron que la venta sobre plano adquiriera una mala fama que costará mucho de ”limpiar”.
 
Con este nuevo régimen, los promotores de vivienda no se verán obligados a suscribir un seguro, sino que podrán optar por una garantía financiera para cubrir el mismo riesgo, según se regula en la Ley de ordenación, supervisión y solvencia de las entidades aseguradoras y reaseguradoras, publicada en el BOE.

Es decir, los constructores podrán escoger entre contratar un seguro, como hacían hasta ahora, o poner una garantía financiera. Eso sí, escojan lo que escojan tiene que cubrir los mismos riesgos.
¿Cómo lo pagarán las empresas promotoras? mediante el contrato de seguro de caución que hayan suscrito con entidades aseguradoras o mediante aval solidario emitido por las entidades que les hayan dado el crédito.
Sin embargo, no todos los actores del sector están de acuerdo con que esta medida sirva para incrementar las garantías de quién compra sobre plano. Fíjate por qué:
La obligación por parte del promotor de asegurar el dinero aportado por el comprador de una casa sobre plano, sólo se produce a partir de que haya licencia de obra. Los expertos aseguran que muchos compradores, por desconocimiento, adelantan dinero antes de que la obra obtengan su licencia, y por lo tanto, quedan fuera de esa seguridad jurídica.
Por otro lado, se reduce el plazo para reclamar la devolución del dinero a cuenta en caso de que no se fuera a hacer la vivienda, que pasa de 15 a 2 años. Colectivos de abogados consideran que 2 años es muy poco, ya que es un tiempo que se esfuma simplemente con un trámite administrativo municipal.

Además, el nuevo reglamento le otorga al comprador responsabilidades que pueden generar pérdidas de garantías, como por ejemplo que: en el momento en que se expide la cédula de primera ocupación o en el momento en que el comprador renuncia a la vivienda, la garantía del promotor se cancela de forma automática, con el fin de eliminar la responsabilidad de la aseguradora.

Servicios Inmobiliarios de Confianza

Servicios Inmobiliarios de Confianza

IMMOAUGUSTA
Tel.: +34 648 255 943
Mail: info@immoaugusta.com

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20:38 06 Apr 21
En todo momento demostraron ser muy profesionales dejando muy claro todos los pasos a dar para la compra de nuestro... piso y aclarando todos los conceptos y dudas sin que nada quede en el aire . Quedamos muy satisfechos .read more
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Serious people, they sold us two flats in Barcelona and the treatment and management that they did very well. Highly... recommendedread more
Paula Pérez
Paula Pérez
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Excellent attention. Very professional and concerned with every detail.Always available. They make sure everything is... clear leaving nothing to chanceread more
Pilar Taboada
Pilar Taboada
17:27 21 Dec 20
Incredible treatment and professionalism of the entire Immoaugusta team. Total guarantee that the project is carried... out with total seriousness and always looking out for your interests. Without a doubt the best in the sector !!read more
Shannon Arena
Shannon Arena
12:05 19 Dec 20
One of the best services they have given me to date and the best of a real estate agency! An impeccable... professionalism, fair and with an authentic and true close and efficient attention. A 10!read more
Miklos Horn
Miklos Horn
11:42 04 Oct 20
Me and my partner have been trying to buy a flat and secure a mortgage with our banks during which we have been in... touch with many agencies, but none of them being as professional as Immoaugusta.Ignasi, who showed us the flat at the beginning – which we decided to make an offer for – was always available, supported us throughout the process and handled the requests of our lawyer efficiently too. He even went out of his way and pushed for our mortgage request to be evaluated quicker and helped resolve a potential issue with another agency, which was much appreciated. Unfortunately, at the end we were not granted a mortgage and had to request the prepayment to be sent back to us, and again there were no delays and everything went smoothly.We could only recommend this agency for anyone who would like a reliable process, and it is especially nice that no disadvantage comes from not being a native Spanish speaker as we were helped in English (which is needless to say not available by default generally in Barcelona). If there was one thing I would recommend to potential buyers when applying for a mortgage is to make sure they are directly dealing with the banks too, as we had a not-so-pleasant experience when relying on Prohipotecas, a company that was recommended to us by Immoaugusta. Overall though, we would be happy to become customers again as the experience was 10/10read more
Amelia Aja Fernandez
Amelia Aja Fernandez
14:30 20 Sep 20
The work done by the company Inmoaugusta has been impeccable and I want to add that, after a while of concluding the... commercial relationship, we had some administrative management problems that increased when living outside Barcelona. Despite this, we went to Inmoagusta and the attention received was decisive in resolving the situation. In short, I want to highlight not only his professionalism, but also his human quality. Thank you so much.read more
Ramon Farré
Ramon Farré
11:30 12 Sep 20
Molt professionals!!!
Enric Fàbregas
Enric Fàbregas
11:26 12 Sep 20
Very positive experience. The situation was twisted but from Immoaugusta they were always by our side helping us to... solve all the obstacles. Great professionals and great people.read more
Anton Claraso
Anton Claraso
13:08 17 Aug 20
Unbeatable attention and professionalism. They sold me two flats two years apart and they both sold me at the best... price for a week or two. The latter had had him in a street agency near the flat and was there for 6 months with only one visit. It’s been to spend it here and we’ve had 5 visits and we’ve made the sale. Thank you so much !!read more
victoria mullen
victoria mullen
18:54 13 Feb 20
My partner and I relocated from the UK to Barcelona and found ourselves really struggling as we didn’t speak any... Spanish.We tried a few other estate agencies who weren’t helpful, didn’t care that we couldn’t speak English and couldn’t help arrange viewings on the then limited dates we had to travel to Barcelona.I then found Ignasi and the team. Ignasi was so helpful in translating and arranging viewings that worked with our weekend visits from the uk. Ultimately they helped us find our dream home but not only that but supported us settling into the city with help on local knowledge. Nothing was too much even meeting us at 10pm with the keys when we landed here in Barcelona on a late flight.I would highly recommend Ignasi and the team to anyone looking to rent or buy in the city.read more
Robert Howe
Robert Howe
21:54 09 Apr 19
My wife and I recently bought a property with the help of Ignasi at Immoaugusta and it proved incredibly... straightforward and took place within a month. Ignasi is very patient and explains the buying process in as much detail as needed. Even now, after buying the property, Immoaugusta continues to assist by recommending tradesmen for our ongoing renovation. Highly recommended.read more
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