Property Services

	Guarantee
	It is well known that the Spanish system for the sale or purchase of a property is one of the most secure in the world. Nevertheless there are 26 possible problems that can occur. These could put your rights at risk as a new proprietor. Therefore as part of our complete service we offer a free 20 year title insurance that insures against any hidden legal complications that could arise after the signing of the contract. Please. contact us for more information. Even though the title deed and the land registry ostensibly guarantee ownership and peaceful possession of a property, buyers need greater protection. This need is stressed by the legal differences that are often seen between what was agreed on the title deed and the reality. These cases, that occur in spite the most extensive searches before completion, keep the new owners from enjoying their rights acquired in the title deed.

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The law protects them, but How are you going to proceed?

* By your own means or through lawyers (implies expenses, no guaranteed result and time delay)
OR
* If you buy with Garu, you will benefit from title insurance, guaranteeing you from those problems, for the next 20 years.

GARU CERTIFIES A SAFE PURCHASE, other Estate Agents only promise it

RISKS COVERED
BY THE POLICY

GARU marks the Difference ¿What is Title Insurance?

Erroneous Coefficient of community expenses

In a new building, erroneous or unfair coefficient of Community expenses.

Is your GUARANTEE that, FOR 20 YEARS, the legal rights stated in the deed will be respected.

Is COMPLETING 100% the puzzle of BUYING A PROPERTY.

IS A written CERTIFICATE about what other Estate Agents only promise.

Is a QUALITY service from GARU.

Is your GUARANTEED PEACE OF MIND in the stressful moment of Completion.

Fraud by the Seller

You are covered:

At completion, if the seller is not the real owner.

For the next 20 years in case someone pretends to be the owner and sells your property.

Absence of Consent

Absence of consent to the sale by the Seller’s spouse, Errors in the Public Records.

Boundaries disputes

Boundaries disputes arising in the next 20 years.

Power of Attorney

You are covered:

At completion, if Seller purporting to sell through a cancelled Power of Attorney

For the next 20 years if your house is sold with cancelled Powers of Attorney.

Pre-existing encumbrances

Pre-existing encumbrances against the Property, not revealed by the Title registers nor any other Public record nor by the Notario.

Peace of Mind at Completion with GARU

Community Expenses

The property is subject to quotas or community expenses (other than those disclosed by the Seller or Notario)..

During Completion

And for the next 20 years.

Anomalies

Absence of or anomaly in or breach of conditions attaching to construction, alterations, extension permits or buildings consents.

Undocumented rights of acces

Undocumented right of acces to and egress from the Property, its garage or car parking space.

Undisclosed Easements

Existence of easement of light or right of way not disclosed at completion.

Unknown Title Defects

Unknown title defects undisclosed in the title deed which are not physically present nor reasonably discoverable by the insured.

With GARU, Guaranteed results in six months maximum

Bankruptcy

Purchase transaction being declared null retroactively due to previous owner’s bankruptcy.

The underwritter EXPERTS will take care of SOLVING claims.
Failing to do so in 6 months, the insured will receive an INDEMNITY for the damage suffered (limit of indemnity of 360.000€)

Fraud by, or legal Incapacity of, the Seller

The Seller has no legal capacity to sell the property.

Exclusions: Defects known by the Buyer before Completion. Damage. Contamination.

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