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Certificate of habitation

Posted: Fri Jun 26, 2020 3:27pm
20 replies1049 views10 members subscribed
Davester99

Posts: 6

3 helpful points

Location: Camposol

Joined: 27 Jan 2020

Hi everyone, we're looking to buy a Neptuno in the near future to retire to and can see that a lot of Spanish solicitors emphasise not to buy a property without the original certificate of habitation. One of the Camposol estate agents I contacted said some Neptunos do not have this, but it is not a problem as it is only needed to get water and electricity connected, and to pay council tax,which all properties in Camposol have, and so buying one without this certificate is not an issue.

Obviously doing so would make me a little nervous, and so I was wondering if anybody knows if those without the certificate are the minority or not, and if anyone has bought without this certificate has it caused them any problems?

Thanks.

Ali52

Posted: Fri Jun 26, 2020 3:32pm

Posts: 28

22 helpful points

Location: Camposol

Joined: 2 Apr 2019

Posted: Fri Jun 26, 2020 3:32pm

You should not listen to estate agents. Go via your abogado. Make sure no embargoes and all paperwork correct. Lots of us have bought on Camposol without the correct paperwork.  We will have trouble further down the line. Any doubts contact our councillor Silvana and the CRA. 

Davester99

Posted: Fri Jun 26, 2020 3:44pm

Davester99

Original Poster

Posts: 6

3 helpful points

Location: Camposol

Joined: 27 Jan 2020

Posted: Fri Jun 26, 2020 3:44pm

Ali52 wrote on Fri Jun 26, 2020 3:32pm:

You should not listen to estate agents. Go via your abogado. Make sure no embargoes and all paperwork correct. Lots of us have bought on Camposol without the correct paperwork.  We will have trouble further down the line. Any doubts contact our councillor Silvana and the CRA. 

Thank you, I appreciate your advice and we will only consider properties with full documentation.

RichT

Posted: Fri Jun 26, 2020 4:45pm

RichT

Helpful member

Posts: 96

74 helpful points

Location: Lorca

Joined: 13 Sep 2019

Posted: Fri Jun 26, 2020 4:45pm

If you need a mortgage then you won't get one without a certificate of habitation and, even without a mortgage, I doubt any reputable solicitor would advise you to buy a property that doesn't have one...

frequent flyer

Posted: Fri Jun 26, 2020 6:01pm

frequent flyer

Very helpful member

Posts: 899

945 helpful points

Location: Camposol

Joined: 9 Feb 2018

Posted: Fri Jun 26, 2020 6:01pm

RichT wrote on Fri Jun 26, 2020 4:45pm:

If you need a mortgage then you won't get one without a certificate of habitation and, even without a mortgage, I doubt any reputable solicitor would advise you to buy a property that doesn't have one...

I have noticed that most of the posters replying to your enquiry don't live or own and probably don't no anything of Camposol so should not be commenting...only A sector has habitation cert at the moment ..all the other sectors are in the process of being adopted and will have Habitation certs in the near future ...I know of 3 people that have mortgages on sector D ..if you are looking at buying a Neptuno on a 300 MTR plot with swimming pool they are currently going for around €140,000 ..on Camposol D sector the closer you get to the shops the price starts going up... the same villa down in the port built by the same builder's are around €350,000 ... Camposol was taken over by the council around 3 year's back when they through the corrupt Massa builder's of the site and have since taken over the maintenance of Camposol ... thing's are improving by the day the site has a great community with plenty of bars /restaurants /shops / community center / health center / Doctors / Dentist and so on  ... don't expect to much of the asking price as Camposol properties are  already the cheapest around ..so maybe around 10% lower than the asking price would be a good starting point .

RichT

Posted: Fri Jun 26, 2020 6:59pm

RichT

Helpful member

Posts: 96

74 helpful points

Location: Lorca

Joined: 13 Sep 2019

Posted: Fri Jun 26, 2020 6:59pm

frequent flyer wrote on Fri Jun 26, 2020 6:01pm:

I have noticed that most of the posters replying to your enquiry don't live or own and probably don't no anything of Camposol so should not be commenting...only A sector has habitation cert at the moment ..all the other sectors are in the process of being adopted and will have Habitation certs in...

... the near future ...I know of 3 people that have mortgages on sector D ..if you are looking at buying a Neptuno on a 300 MTR plot with swimming pool they are currently going for around €140,000 ..on Camposol D sector the closer you get to the shops the price starts going up... the same villa down in the port built by the same builder's are around €350,000 ... Camposol was taken over by the council around 3 year's back when they through the corrupt Massa builder's of the site and have since taken over the maintenance of Camposol ... thing's are improving by the day the site has a great community with plenty of bars /restaurants /shops / community center / health center / Doctors / Dentist and so on  ... don't expect to much of the asking price as Camposol properties are  already the cheapest around ..so maybe around 10% lower than the asking price would be a good starting point .

Interesting interpretation of 'most' in the statement 'most of the posters replying to your enquiry don't live or own and probably don't no anything of Camposol so should not be commenting'..?

The most common definition of 'most' is 'the greatest in number' - and there were two replies prior to your's, so there can't be a 'most' if there's one of each?

  1. Ali52 who states location as Camposol and says "Lots of us have bought on Camposol without the correct paperwork. We will have trouble further down the line" which would be a strong indication that they 'live or own ... on Camposol' and by your definition should have the right to comment - and who appears to agree with my comment.
  2. Me, who doesn't live or own on Camposol (so, by your definition, I 'should not be commenting'), but was trying to help the original enquirer, in that my solicitor (and every legal website I could find) advises that a certificate of habitation is a legal requirement.

Davester99 - a quick google of 'Is a certificate of habitation a legal requirement in Spain' should help you decide, instead of relying on the opinion of those who may or may not have the perceived right to comment...

Ali52

Posted: Fri Jun 26, 2020 7:26pm

Posts: 28

22 helpful points

Location: Camposol

Joined: 2 Apr 2019

Posted: Fri Jun 26, 2020 7:26pm

Yes, I do live on Camposol. Have sued MASA for breaking their contract. And won my case. I was also on the committee of the CRA for several years trying to help people with embargoes, touristicas, and other problems. 

Which is why I advised using an abogado ( solicitor), and to contact our councillor  Silvana Buxton who has been a tireless worker for Camposol, and also the Camposol Residents Association, who have up to date information of what is happening, and have been working to better Camposol for many many years.

That way you will have CORRECT and up to date information.

Barbara50

Posted: Fri Jun 26, 2020 8:32pm

Posts: 43

12 helpful points

Location: Mula

Joined: 22 Dec 2019

Posted: Fri Jun 26, 2020 8:32pm

Hi, Dave. 

We are currently purchasing in Murcia but not on Camposol - the property we are purchasing did not have a Certificate of Habitation in place. 

We have delayed purchase until the sellers gets this in place as we will not complete without it.  We did our research regarding resale, utilities and house insurance etc and decided that - whilst it's not legal to have one in place in Murcia - it's mandatory for things like ensuring house insurance is valid, as well as for our own piece of mind. 

As it stands, we will not complete unless we get this is in place (and we are 5 months down the line due to Covid) but it is your personal choice. You may find your lawyer will get you to sign a disclaimer if it's not in place. 

I just want to stress I don't know the detail for Camposol, but just wanted to share my personal experience. 

Regards 

Spanglish

Posted: Sat Jun 27, 2020 10:23am

Spanglish

Helpful member

Posts: 145

70 helpful points

Location: Camposol

Joined: 11 Jun 2017

Posted: Sat Jun 27, 2020 10:23am

I will I’ll probably get a bollocking from frequent flyer as I also don’t live on camposol. 

So many people claim they have habitation certificates on camposol and even on this forum.  Other than some property’s in sector  A.  I have asked people to show proof copy screenshot etc.  But to no avail.  

You could have problems later on. You could be unable to re sell.  Also legally speaking the property could be knocked down.  

Would you buy a property in the Uk missing important documents? 

Ali52

Posted: Sat Jun 27, 2020 10:48am

Posts: 28

22 helpful points

Location: Camposol

Joined: 2 Apr 2019

Posted: Sat Jun 27, 2020 10:48am

There is no danger of property  being demolished. The problem means we will have to pay more at some point to get our habitation certificate. Which is a little unfair. Most of us, will be able to get our certificate based on the 10 year rule. It just means we have to pay for it. That is not the problem, the problem is that we are still fighting to get Camposol finished. As long as you use a solicitor, and check your status, to ensure no embargoes etc. Then it just means extra money down the line, but you would be ok. Camposol is a great place to live. I am very happy here. We have a lovely community spirit. Some brilliant people organise gardening groups, charities, and of course we have our own fiesta. Sadly not this year due to covid 19. Normally we have live music in the evening and a great ' cafe' life style.

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