{"id":17909,"date":"2021-11-10T11:37:13","date_gmt":"2021-11-10T10:37:13","guid":{"rendered":"https:\/\/www.welex.es\/?p=17909\/"},"modified":"2025-09-09T06:51:32","modified_gmt":"2025-09-09T06:51:32","slug":"proprietes-sur-plan-espagne-recuperer-montants-payes","status":"publish","type":"post","link":"https:\/\/www.welex.es\/fr\/proprietes-sur-plan-espagne-recuperer-montants-payes\/","title":{"rendered":"Achat de propri\u00e9t\u00e9s sur plan en Espagne: R\u00e9cup\u00e9rer les montants pay\u00e9s | WELEX"},"content":{"rendered":"

Dans ce deuxi\u00e8me blog, nos avocats sp\u00e9cialis\u00e9s dans l’achat de propri\u00e9t\u00e9s sur plan \u00e0 Espagne continuent d’expliquer comment r\u00e9cup\u00e9rer les montants pay\u00e9s d’avance au promoteur.<\/p>\n

 <\/p>\n

R\u00e9sumons notre article pr\u00e9c\u00e9dent<\/strong> <\/a><\/em>: lors de l’achat d’une propri\u00e9t\u00e9 en construction, il est habituel que le promoteur re\u00e7oive des montants \u00e9conomiques destin\u00e9s \u00e0 la construction de la propri\u00e9t\u00e9. Mais parfois, une fois la date de livraison du bien arriv\u00e9e, celui-ci n’a pas \u00e9t\u00e9 construit, n’a pas \u00e9t\u00e9 termin\u00e9 ou n’a pas pu obtenir le permis de premi\u00e8re occupation. Dans ce cas, il y a deux possibilit\u00e9s : accorder un d\u00e9lai suppl\u00e9mentaire au promoteur pour terminer les travaux ou r\u00e9clamer le remboursement des sommes vers\u00e9es.<\/p>\n

 <\/p>\n

Dans le billet pr\u00e9c\u00e9dent, nous avons expliqu\u00e9 comment r\u00e9cup\u00e9rer ces montants en demandant un remboursement :<\/p>\n

    \n
  1. Au d\u00e9veloppeur<\/li>\n
  2. Au garant<\/li>\n<\/ol>\n

    <\/h2>\n

    Dans ce blog, nous allons nous concentrer sur la mani\u00e8re de r\u00e9cup\u00e9rer l’argent d’un achat et d’une vente sur plan d’une propri\u00e9t\u00e9 en Espagne dans le cas o\u00f9 le promoteur ne dispose plus des montants qui ont \u00e9t\u00e9 vers\u00e9s en acompte et d\u00e9cide de ne pas souscrire une garantie ou une assurance bancaire.<\/strong><\/h2>\n

    Selon la loi 20\/2015 du 14 juillet, relative \u00e0 la r\u00e9glementation, au contr\u00f4le et \u00e0 la solvabilit\u00e9 des entreprises d’assurance et de r\u00e9assurance, une s\u00e9rie d’obligations sont \u00e9tablies pour le promoteur afin de garantir la restitution des montants. A cet \u00e9gard, l’une des obligations que, subsidiairement, la loi accorde aux banques est de la plus haute importance :<\/p>\n

     <\/p>\n

    Les \u00e9tablissements de cr\u00e9dit o\u00f9 ces montants doivent \u00eatre d\u00e9pos\u00e9s seront charg\u00e9s de s’assurer que les promoteurs ont \u00e9mis les garanties ou assurances correspondantes pour proc\u00e9der \u00e0 l’ouverture des comptes sp\u00e9ciaux. <\/em><\/strong><\/p><\/blockquote>\n

     <\/p>\n

    En d’autres termes, la loi impose aux banques l’obligation de veiller \u00e0 ce que le promoteur respecte \u00e0 son tour les exigences impos\u00e9es par la loi.<\/u> En d’autres termes, les banques doivent :<\/p>\n

      \n
    1. Contr\u00f4ler que le promoteur ouvre un compte sp\u00e9cial sur lequel d\u00e9poser tous les montants avanc\u00e9s lui sont remis.<\/li>\n<\/ol>\n
        \n
      1. Contr\u00f4le qu’il dispose, au moment de l’ouverture de ce compte, d’une garantie bancaire ou d’une assurance qui garantit la remise de ces montants au cas o\u00f9 le bien ne pourrait \u00eatre livr\u00e9.<\/li>\n<\/ol>\n
          \n
        1. V\u00e9rifiez que le promoteur utilise ces montants uniquement pour la construction du bien.<\/li>\n<\/ol>\n

           <\/p>\n

          Cela nous donne la possibilit\u00e9, au cas o\u00f9 le promoteur ne respecterait pas ses obligations et ne disposerait ni des montants ni du garant, de nous retourner contre la banque o\u00f9 les montants ont \u00e9t\u00e9 d\u00e9pos\u00e9s. <\/strong>Ces derniers devront r\u00e9pondre solidairement en restituant les montants avanc\u00e9s aux acqu\u00e9reurs de logements.\"Achat<\/p>\n

          La raison pour laquelle la banque est responsable est simple. Si le promoteur ne dispose pas des montants ou de la garantie ou de l’assurance bancaire, cela signifie que la banque a manqu\u00e9 \u00e0 son obligation de v\u00e9rifier que le promoteur dispose de ces garanties. <\/strong><\/p>\n

          Ayant manqu\u00e9 \u00e0 son obligation de veiller \u00e0 ce que le promoteur respecte ses obligations, la banque devient directement responsable et peut \u00eatre tenue de rembourser les montants.<\/p>\n

          Il est courant que les banques all\u00e8guent qu’elles ne savaient pas qu’il s’agissait d’un promoteur et que, pour cette raison, la destination des fonds n’a pas \u00e9t\u00e9 contr\u00f4l\u00e9e. A cet \u00e9gard, Welex tient \u00e0 rappeler que toutes les banques, d\u00e8s qu’elles ont l’occasion de constater la r\u00e9ception d’une somme d’argent qui, tant par son montant que par ses payeurs et ses op\u00e9rations, peut \u00eatre suppos\u00e9e \u00eatre des fonds d’acheteurs, doivent demander des explications au promoteur et donc exiger que les garanties n\u00e9cessaires soient fournies pour le montant vers\u00e9.<\/p>\n

           <\/p>\n

          Enfin, il convient de souligner que, dans ce type de r\u00e9clamations lors de l’achat et de la vente de propri\u00e9t\u00e9s sur plan en Espagne, nous ne parlons pas d’une responsabilit\u00e9 non contractuelle de la banque, mais d’une responsabilit\u00e9 juridique directe que le l\u00e9gislateur lui a attribu\u00e9e de mani\u00e8re sp\u00e9ciale et directe au moyen d’une r\u00e9glementation de rang juridique.\u00a0 <\/strong><\/p>\n

          Nous vous invitons \u00e0 contacter<\/strong><\/a> nos avocats sp\u00e9cialis\u00e9s dans la r\u00e9cup\u00e9ration des sommes vers\u00e9es dans le cadre d’un processus d’achat et de vente d’un bien immobilier hors plan en Espagne si vous vous trouvez dans cette situation ou si vous avez des doutes \u00e0 ce sujet. Welex, avocats et \u00e9conomistes en Espagne, se fera un plaisir de vous aider.<\/p>\n","protected":false},"excerpt":{"rendered":"

          Dans ce deuxi\u00e8me blog, nos avocats sp\u00e9cialis\u00e9s dans l’achat de propri\u00e9t\u00e9s sur plan \u00e0 Espagne continuent d’expliquer comment r\u00e9cup\u00e9rer les montants pay\u00e9s d’avance au promoteur.   R\u00e9sumons notre article pr\u00e9c\u00e9dent : lors de l’achat d’une propri\u00e9t\u00e9 en construction, il est habituel que le promoteur re\u00e7oive des montants \u00e9conomiques destin\u00e9s \u00e0 la construction de la propri\u00e9t\u00e9. […]<\/p>\n","protected":false},"author":2,"featured_media":17911,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[273],"tags":[1169],"class_list":["post-17909","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-propriete-en-espagne","tag-proprietes-sur-plan-espagne"],"acf":[],"yoast_head":"\nAchat de propri\u00e9t\u00e9s sur plan en Espagne: R\u00e9cup\u00e9rer les montants pay\u00e9s | WELEX - Welex<\/title>\n<meta name=\"description\" content=\"Nos avocats sp\u00e9cialis\u00e9s dans l'achat de propri\u00e9t\u00e9s sur plan \u00e0 Espagne continuent d'expliquer comment r\u00e9cup\u00e9rer les montants pay\u00e9s d'avance au promoteur.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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