{"id":7140,"date":"2026-10-01T16:02:30","date_gmt":"2026-10-01T16:02:30","guid":{"rendered":"https:\/\/www.altealex.com\/2026\/10\/01\/guia-para-la-compra-segura-de-viviendas-sobre-plano\/"},"modified":"2026-10-02T17:29:13","modified_gmt":"2026-10-02T17:29:13","slug":"guia-para-la-compra-segura-de-viviendas-sobre-plano","status":"publish","type":"post","link":"https:\/\/www.altealex.com\/es\/2026\/10\/01\/guia-para-la-compra-segura-de-viviendas-sobre-plano\/","title":{"rendered":"Gu\u00eda para la Compra Segura de Viviendas sobre Plano"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">No pagues a un promotor sin una Garant\u00eda Bancaria o un Seguro de Cauci\u00f3n.<\/h3>\n\n<p class=\"wp-block-paragraph\">Comprar una vivienda sobre plano en Espa\u00f1a, especialmente en zonas de gran demanda como <strong>Altea, Albir, Calpe, Moraira o otros pueblos de la Costa Blanca,<\/strong> puede ser una oportunidad muy interesante. Sin embargo, tambi\u00e9n conlleva importantes riesgos legales y financieros si no se cuentan con las garant\u00edas adecuadas. <\/p>\n\n<p class=\"wp-block-paragraph\">En <strong>ALTEALEX,<\/strong> ayudamos habitualmente a clientes que, por desgracia, solo descubren estos riesgos cuando ya es demasiado tarde.<\/p>\n\n<p class=\"wp-block-paragraph\">Antes de pagar a un promotor en Altea o en cualquier otra ciudad de la Costa Blanca por la compra de una vivienda sobre plano, lea esto primero.<\/p>\n\n<p class=\"wp-block-paragraph\">Una de las reglas m\u00e1s importantes es muy sencilla: <strong>Nunca pague dinero a un promotor sin una garant\u00eda bancaria v\u00e1lida o una p\u00f3liza de seguro de cauci\u00f3n.<\/strong><\/p>\n\n<div class=\"wp-block-uagb-separator uagb-block-8a2a2c07\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n<h3 class=\"wp-block-heading\" style=\"padding-top:var(--wp--preset--spacing--60)\">Por Qu\u00e9 Es Importante: Un Riesgo Real Para Los Compradores De Viviendas Sobre Plano<\/h3>\n\n<p class=\"wp-block-paragraph\">Una de las situaciones m\u00e1s angustiosas a las que puede enfrentarse un comprador de una vivienda sobre plano es:<\/p>\n\n<ul style=\"padding-left:var(--wp--preset--spacing--50)\" class=\"wp-block-list\">\n<li>Pagar un dep\u00f3sito sustancial<\/li>\n\n\n\n<li>Ver c\u00f3mo la construcci\u00f3n se retrasa, se detiene o nunca llega a comenzar<\/li>\n\n\n\n<li>No poder recuperar el dinero<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Aunque no es muy habitual, estos casos siguen ocurriendo y, cuando lo hacen, las consecuencias financieras pueden ser graves.<\/p>\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<h3 class=\"wp-block-heading\" style=\"padding-top:var(--wp--preset--spacing--50)\">\u00bfQu\u00e9 Exige La Legislaci\u00f3n Espa\u00f1ola?<\/h3>\n\n<p class=\"wp-block-paragraph\">Seg\u00fan la legislaci\u00f3n espa\u00f1ola<strong> (Ley 38\/1999 \u2013 Ley de la Construcci\u00f3n)<\/strong>, los promotores que reciban pagos anticipados est\u00e1n legalmente obligados a:<\/p>\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:var(--wp--preset--spacing--20);padding-right:0;padding-bottom:var(--wp--preset--spacing--20);padding-left:0\"><strong>\u2714<\/strong> <strong>Proporcionar una garant\u00eda bancaria o una p\u00f3liza de seguro. Esto debe cubrir:<\/strong><\/p>\n\n<ul style=\"padding-left:var(--wp--preset--spacing--50)\" class=\"wp-block-list\">\n<li>Todas las cantidades pagadas por adelantado<\/li>\n\n\n\n<li>Los impuestos aplicables<\/li>\n\n\n\n<li>Los intereses legales<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:var(--wp--preset--spacing--20);padding-right:0;padding-bottom:var(--wp--preset--spacing--20);padding-left:0\"><strong>\u2714<\/strong> <strong>Abrir una cuenta bancaria especial. <\/strong>Los fondos pagados por los compradores deben:<\/p>\n\n<ul style=\"padding-left:var(--wp--preset--spacing--50)\" class=\"wp-block-list\">\n<li>Depositarse en una cuenta separada<\/li>\n\n\n\n<li>Utilizarse exclusivamente para fines de construcci\u00f3n<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50)\"><strong>\u00bfCu\u00e1ndo se aplica esta obligaci\u00f3n? <\/strong>Una vez que se <strong>conceda la licencia de obras<\/strong>. Antes de ese momento, es posible que los pagos anticipados no est\u00e9n protegidos legalmente.<\/p>\n\n<h3 class=\"wp-block-heading\" style=\"padding-top:var(--wp--preset--spacing--50)\">\u00bfA Qu\u00e9 Riesgos Se Enfrenta Un Comprador Sin Esta Protecci\u00f3n?<\/h3>\n\n<p class=\"wp-block-paragraph\">Si el promotor no proporciona una garant\u00eda, podr\u00eda enfrentarse a:<\/p>\n\n<p class=\"wp-block-paragraph\">&#8211; La <strong>p\u00e9rdida de su dep\u00f3sito<\/strong> si el promotor se declara insolvente o el proyecto fracasa, recuperar su dinero puede resultar extremadamente dif\u00edcil.<\/p>\n\n<p class=\"wp-block-paragraph\">&#8211; <strong>Procedimientos legales largos y costosos. <\/strong>Las reclamaciones judiciales pueden tardar a\u00f1os debido a los retrasos del sistema judicial.<\/p>\n\n<p class=\"wp-block-paragraph\">&#8211;<strong> Incumplimiento de plazos legales.<\/strong> Si no act\u00faa a tiempo, podr\u00eda perder su derecho a reclamar.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>&#8211; Problemas financieros o de planificaci\u00f3n ocultos.<\/strong> La ausencia de una garant\u00eda puede indicar problemas m\u00e1s graves dentro de la promoci\u00f3n.<\/p>\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:var(--wp--preset--spacing--20)\"><strong>\u00bfQu\u00e9 debe cubrir la garant\u00eda?<\/strong> Una garant\u00eda v\u00e1lida debe incluir:<\/p>\n\n<ul style=\"padding-left:var(--wp--preset--spacing--50)\" class=\"wp-block-list\">\n<li>Todos los pagos anticipados<\/li>\n\n\n\n<li>El IVA o los impuestos aplicables<\/li>\n\n\n\n<li>Los intereses legales hasta la fecha de finalizaci\u00f3n acordada<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\">Debe ser<strong> individual y estar emitida a su nombre.<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfCu\u00e1ndo caduca la garant\u00eda?<\/strong> Cuando:<\/p>\n\n<ul style=\"padding-left:var(--wp--preset--spacing--50)\" class=\"wp-block-list\">\n<li style=\"padding-left:0\">Se termine la construcci\u00f3n de la vivienda<\/li>\n\n\n\n<li style=\"padding-left:0\">Se conceda la licencia de ocupaci\u00f3n<\/li>\n\n\n\n<li style=\"padding-left:0\">Se entregue la propiedad al comprador<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-7a3bd31f\"><h3 class=\"uagb-heading-text\">Consejos Clave Antes De Pagar Nada<\/h3><\/div>\n\n<p class=\"wp-block-paragraph\">Para proteger su inversi\u00f3n:<\/p>\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>No pague antes de que se conceda la licencia de obra, <\/strong>incluso si la propiedad es muy atractiva.<\/p>\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Verifique la solvencia del promotor, <\/strong>investigue su trayectoria y estabilidad financiera.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u2714<\/strong> <strong>Exija la garant\u00eda en el momento de la firma del contrato, <\/strong>no acepte garant\u00edas vagas o promesas sin documentaci\u00f3n.<\/p>\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Busque asesoramiento legal profesional, <\/strong>especialmente si es usted un comprador extranjero que no est\u00e1 familiarizado con la normativa espa\u00f1ola.<\/p>\n\n<h3 class=\"wp-block-heading\" style=\"padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--20)\">C\u00f3mo Protege Altealex A Los Compradores De Viviendas Sobre Plano<\/h3>\n\n<p class=\"wp-block-paragraph\">En <strong>ALTEALEX,<\/strong> un despacho de abogados con m\u00e1s de 45 a\u00f1os de experiencia en la prestaci\u00f3n de servicios inmobiliarios, ofrecemos:<\/p>\n\n<p class=\"wp-block-paragraph\">As a <strong>law firm<\/strong> with more than 45+ years experience in real estate transactions, we provide:<\/p>\n\n<ul style=\"padding-left:var(--wp--preset--spacing--50)\" class=\"wp-block-list\">\n<li><u><strong>Due diligence <\/strong><\/u>legal completa antes de la compra<\/li>\n\n\n\n<li>Verificaci\u00f3n de garant\u00edas y documentaci\u00f3n<\/li>\n\n\n\n<li>Evaluaci\u00f3n de riesgos de promotores y proyectos<\/li>\n\n\n\n<li>Asistencia jur\u00eddica continua durante toda la transacci\u00f3n<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Nuestro objetivo es sencillo: <strong>garantizar que su inversi\u00f3n est\u00e9 segura desde el primer d\u00eda.<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<h3 class=\"wp-block-heading\" style=\"padding-top:var(--wp--preset--spacing--60)\">\u00bfPor Qu\u00e9 Los Clientes Conf\u00edan En Altealex?<\/h3>\n\n<ul style=\"padding-left:var(--wp--preset--spacing--50)\" class=\"wp-block-list\">\n<li>M\u00e1s de <strong>45 a\u00f1os de experiencia en el \u00e1mbito jur\u00eddico e inmobiliario<\/strong><\/li>\n\n\n\n<li>Profundo conocimiento del derecho inmobiliario espa\u00f1ol<\/li>\n\n\n\n<li>Hemos intervenido en m\u00e1s de 2.500 operaciones de compraventa de inmuebles<\/li>\n\n\n\n<li>Trayectoria probada en transacciones complejas<\/li>\n\n\n\n<li>Contamos con la confianza de clientes tanto nacionales como internacionales<\/li>\n\n\n\n<li>Contamos con una p\u00f3liza de seguro de responsabilidad civil profesional<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<div class=\"wp-block-uagb-separator uagb-block-dd9f553e\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n<h3 class=\"wp-block-heading\" style=\"padding-top:var(--wp--preset--spacing--60)\">\u00bfEst\u00e1 Pensando En Comprar Una Vivienda Sobre Plano En Altea O En Cualquier Otro Lugar De La Costa Blanca?<\/h3>\n\n<p class=\"wp-block-paragraph\">Antes de realizar cualquier pago, aseg\u00farese de que su inversi\u00f3n est\u00e1 debidamente protegida.<\/p>\n\n<p class=\"wp-block-paragraph\">En <strong>ALTEALEX, <\/strong>le ofrecemos una<strong> evaluaci\u00f3n clara, honesta y profesional<\/strong> de su situaci\u00f3n.<\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-bottom:0\">\n<p class=\"has-ast-global-color-0-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\" style=\"margin-bottom:0\"><strong>ALTEALEX \u2014 Strategic Property Advisory<\/strong><\/p>\n\n\n\n<p class=\"has-ast-global-color-0-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\" style=\"margin-top:0\"><strong>Real Estate &amp; Legal Expertise in Altea and the Costa Blanca<\/strong><\/p>\n<\/div>\n<\/div>\n\n<p class=\"has-ast-global-color-7-color has-text-color has-link-color has-medium-font-size wp-elements-3 wp-block-paragraph\"><a href=\"https:\/\/www.altealex.com\/es\/contacto\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>P\u00f3ngase en contacto con nosotros hoy mismo para una consulta gratuita y confidencial<\/strong><\/a><\/p>\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>No pagues a un promotor sin una Garant\u00eda Bancaria o un Seguro de Cauci\u00f3n. Comprar una vivienda sobre plano en [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7135,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[28],"tags":[],"class_list":["post-7140","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Gu\u00eda para la Compra Segura de Viviendas sobre Plano - ALTEALEX Lawyers - Abogados<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.altealex.com\/es\/2026\/10\/01\/guia-para-la-compra-segura-de-viviendas-sobre-plano\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gu\u00eda para la Compra Segura de Viviendas sobre Plano - ALTEALEX Lawyers - Abogados\" \/>\n<meta property=\"og:description\" content=\"No pagues a un promotor sin una Garant\u00eda Bancaria o un Seguro de Cauci\u00f3n. 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