New Guarantess for home buyers

Law No 2 August 2004 210 and the subsequent Legislative Decree of 20 June 2005 aims to protect the property rights of buyers of buildings to be constructed.
The Cooperative Ansaloni was immediately adjusted to the new provisions could not understand very much welcome because besides being a perfect protection of purchasers, represents seispettata and especially when enforced, a moralizing element in the housing market.

The main issues considered by the new law are:
• Transparency of preliminary contract;

• collateral (guarantee) as security for the sums paid before the deed of transfer of ownership;

• Insurance policy to guarantee ten posthumous serious defects regarding the site acquired property after the purchase.

We address more specifically these points, stating that the law covers buildings whose application for planning permission has been activated after July 21, 2005.

New Guarantess for home buyers

Law No 2 August 2004 210 and the subsequent Legislative Decree of 20 June 2005 aims to protect the property rights of buyers of buildings to be constructed.
The Cooperative Ansaloni was immediately adjusted to the new provisions could not understand very much welcome because besides being a perfect protection of purchasers, represents seispettata and especially when enforced, a moralizing element in the housing market.

The main issues considered by the new law are:

• Transparency of preliminary contract;

• collateral (guarantee) as security for the sums paid before the deed of transfer of ownership;

• Insurance policy to guarantee ten posthumous serious defects regarding the site acquired property after the purchase.

We address more specifically these points, stating that the law covers buildings whose application for planning permission has been activated after July 21, 2005.

The preliminary contract

Is determined that the preliminary contract must contain certain basic elements such as:

• description of the property and all appliances exclusive;

• quote complete with references to all the specific planning instruments (conventions, building permits, etc..) Up to that time for construction completion of the intervention;

• time schedules;

• indication of price and payment method (credit transfers, direct to bank account or checks) for the traceability of the sums to be paid;

• details of the guarantee given to guarantee the sums paid;

• Mention of any mortgages;

• if any of the construction already identified if at the time.

• The preliminary contract shall then be attached descriptive intervention and drop the developed
project identifying the object of the promise of sale.

I would just point out, on this point, which enshrines the principle of transparency and thus awareness of the act of buying and of course that protection, which Coop.
Ansaloni was even before the entry into force of the law, fully equipped at this point, I think particularly in the sales brochure with its extensive and descriptive chapters, which, over time, with ever greater detail, has continued to make the best 'idea and image of the property that was to be allocated.


Surety to guarantee payments

Until the deed of sale to the situation that occurs is that of a property still owned by the seller (property passes to the deed) which has also already received sums in advance by the buyer, a clear disagreement with this situation 'last. Situations of economic instability the seller unfortunately, in the recent past, thrown into despair whole families found themselves homeless and penniless. Through the guarantee issued to the buyer upon payment of the advance money you create a security interest with the intervention of an individual firm, the guarantor (bank or insurance) which compared with a disruption of the seller agrees the return of all sums paid in addition to expenses incurred. We also say that in addition to guarantees, within the law at issue, additional elements are provided to the buyer wants the house to use as your home through the amendment of certain points of law
bankruptcy (pre-emption rights, limits to revoke). All this should make it comfortable enough to buy a house that represents many of the investment of a lifetime.
Certain elements of care are still reported:

• the extent of the guarantee must be the promised price of the sale, with amounts to be activated from time to time based on the amounts actually paid.

• the quality of the guarantor, or bank or insurance that are not all alike, it is good that a bank or insurance of primary importance.


Decennial posthumous

In this case the warranty on the property sold, and already rogitato and then purchased, and passes through an insurance policy, on and paid by the seller, where an Insurance Company guarantees the buyer of the property for a period of ten years after progress on direct damage to the property including damage to third parties under the Civil Code Article .1669 (total or partial destruction and serious defects). Essentially, in this case is supported with a guarantee that the insurance buyer a right under the Civil Code before he had against the seller and / or manufacturer of the property.


Conclusions

As mentioned at the beginning, as Ansaloni Cooperative complied with these obligations
law operates:

• for maximum transparency in our pre-sales through both descriptive and graphic attachments and specifications. This is already before the entry into force of the law.

• Paying a guarantor of the advances made in both the primary institutes that banking and insurance, however, we are open to specific requests of our members assignees.

• Just as we do for the ten-year guarantee posthumously through the activation of policies provided by insurance companies responsible, because these are in fact must ensure the work of construction companies that qualified Coop. Ansaloni targets for the construction of the intervention.

Runs still required to say that we welcome the guarantees and assurances required by law, but I think the common experience of all, the activation of these guarantees has always inconvenience if not actual problems. E 'therefore more appropriate than ever to reaffirm that the best guarantee is still represented by the "good reputation" of him who sells the dwelling. Therefore still remains vital part of who is preparing to buy the house, measuring not only the product but also the "good reputation" who sells that product, information from those who have already bought from that seller, asking the bank trust even a ptiù, his sound economic (fundamental) because it takes 2 years to build a house and many things can happen and documented (there are now tools) on the nature and history and, if it is a Company who is represented.