Would You Get A Mortgage On A Property With Servidumbre Access? - Page 3

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Would You Get A Mortgage On A Property With Servidumbre Access? - Page 3


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Old 3rd April 2015, 03:30 PM
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Quote:
Originally Posted by xabiachica View Post
precisely

a friend of my late husband had bought a property with a small mortgage (maybe 15%) from the bank, & a couple of years later wanted to increase the mortgage & release some capital - the same bank refused because the property was illegal.....
Can I ask how they deemed it to be illegal?

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Old 4th April 2015, 12:27 PM
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Just as an update....we've just emailed the agent of the other property we were interested in...it is an urban property...and that has an FdO on it too!!!.......

....seems the odds are stacked against us.

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Old 4th April 2015, 12:40 PM
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Had we found a house without issues I dare say we'd be in it by now.
That said tell the agent the FdO needs to be fixed first, they can be fixed so ask them what exactly caused it?
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Old 4th April 2015, 07:36 PM
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Had we found a house without issues I dare say we'd be in it by now.
That said tell the agent the FdO needs to be fixed first, they can be fixed so ask them what exactly caused it?
Hi Pazcat,

How can a FdO be fixed? I thought, or rather assumed, that once that was attached to a house that was pretty much stuck forever?

The property is urban, but it is very old, and quite historic..so old and historic we did enquire if it was the Spanish equivalent of a listed building..we were assured it wasn't, but that it could not be changed in appearance on the visible exterior, but the interior was fine....maybe that was their subtle attempt to describe it was FdO!

I think it has also been segregated from one large plot with two buildings, to two plots with a dwelling on each plot. I'm assured this has all been legally done, but I'm not sure if this could also be the reason for the FdO.....I guess a few more questions after Easter is in order.

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Old 16th April 2015, 10:29 AM
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I think a lot of expats do the same mistake of falling in love for a legally complicated property. In Andalucia we have literally thousands of them for sale and the owners have almost no real customers willing to buy.
You will never need to buy a legally unclear property, no matter how much you like it. Please keep looking as the number of alternative options is almost endless.

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