Buy " card " properties whose construction is to begin or unfinished and will be delivered later in the opinion of the writer and is also involved in law immobiliare, è una scelta che può avere i suoi vantaggi, soprattutto economici per le giovani coppie, ma va perseguita con la dovuta cautela.
Non a caso il legislatore, dopo che migliaia di famiglie italiane sono state coinvolte nei fallimenti di imprese di costruzioni rimanendo senza casa pur avendo versato cospicui anticipi, ha varato nel 2005 il Decreto Legislativo 122/2005 , " disposizioni per la tutela dei diritti patrimoniali degli acquirenti di immobili da costruire " che si applica ai contratti relativi al trasferimento dei diritti di proprietà o altri diritti reali su immobili, ad esempio l'usufrutto, per i quali il permesso di costruire è richiesto successivamente al 21 luglio 2005, data of entry into force of the decree.
The protection granted by Legislative Decree no. 122, it should be noted, is reserved only natural buyer " that promisee or buyer who purchases a property to be constructed or that has entered into any other agreements, including lease (. ..) or one which, although not a member of coooperativa building, has assumed the obligations that cooperative for the assignment of ownership or the acquisition of ownership of a real right of enjoyment of a building to be built on the initiative the same. " against the manufacturer may be a contractor or a housing cooperative that promise for sale or selling a property ... is to be built if the property is built directly by them or the construction is contracted out or performed by third parties.
In summary, the decree states, regulating the content of the preliminary analytically between the parties, be borne by the manufacturer on conclusion of the contract for the sale of property or other real right of enjoyment relating only to properties built or completed, the obligation to provide a surety in an amount corresponding to the amounts and the value he has received and has yet to be collected by the buyer as stipulated in the contract, with the exception of amounts that will be provided by a third party lender. The guaranty insurance
o bancaria garantisce la restituzione delle somme e di ogni altro corrispettivo versato dall'acquirente, oltre agli interessi legali,nel caso in cui il costruttore incorra in una situazione di crisi, qualora si verifichi il fallimento o la liquidazione coatta amministrativa o la trascrizione di un pignoramento relativo all'immobile in questione.
Il costruttore è anche obbligato a contrarre e a consegnare all'atto del trasferimento della proprietà una polizza assicurativa decennale a beneficio di chi acquista con decorrenza dalla data di ultimazione dei lavori.
La polizza assicura l'acquirente dai danni materiali e diretti all'immobile, compresi i danni a terzi, derivanti da rovina totale o parziale o da gravi defects that occur after the conclusion of the sale of the property.
It 's the ten-year guarantee provided by' art. 1669 of the Civil Code " ruin and bad things of real estate" providing for the responsibility of the contractor to the purchaser and those who buy from him, provided that the grave defects, namely those that affect the soundness, efficiency and durability the structure ( Supreme 3002/2001), are reported within one year from discovery, ruling, remember to legal action, the limitation of the right within one year after the complaint.
Of fundamental importance was the establishment by decree of the " Solidarity Fund for buyers of real estate by building " established at the Ministry of Economy and Finance and managed by CONSAP, public insurance dealer services, thanks to which, with the verification requirements of precise objective , has secured compensation to customers who had suffered the loss of money or other property without obtaining the right to ownership or other real right of enjoyment following the occurrence of the crisis of the manufacturer.
The deadline for submitting applications to CONSAP expired on 30.6.2008, as we learn from the site www.consap.it.
Here it was possible only a quick overview Decree on the 122, without mentioning the other contents of complex rules but of obvious importance for those who want to buy property for construction companies.
Those who are interested in exploring the issues discussed, the guarantee, the insurance policy, the requirements of the preliminary contract and other provisions of the decree may contact the firm for any clarification.
