We are specialists in the sale and processing of all types of VPO in Malaga.
We take so much for sale, rent, disqualification and processing of all kinds of documents and applications.
Contact us to inform you for free of all the possibilities you have.
VPO types
- General regime
- Special regime
- Limited price housing
What is a VPO home?
A Official protection of living o VPO is a home that has been promoted publicly or semi-public by the Malaga City Council, the Junta de Andalucía or the Government of Spain.
These types of homes are sold to people with low income and even Maximum price established by the administration. There are several types of VPOs depending on their conditions, so each one has certain requirements so that they can be sold or bought.
In the recent years has decreased, until almost disappearing, construction the VPOs in Malaga, so the majority of homes sold are second hand.
Many of these homes have already met the minimum term that the owner has to be able to sell it, which will depend, as we have explained before, on the type of housing VPO to which it corresponds.
How to sell your VPO?
At Valoracasa Inmobiliaria we are VPO sales specialists In Malaga.
If you have an official protection home you want to sell and you don't know where to start, know our exclusive real estate services so you can sell it without complications.
- prior advice
- Compilation of documentation
- Procedures in the different administrations
- Maximum price request
- VPO housing disqualification
- Presentation of applications in the Junta de Andalucía
- Accompaniment to notary
- Change in property registration
How you can sell a VPO in Malaga
Before selling an Official Protection Housing, you must take into account 3 factors To make the best decision:
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Minimum time to sell: Depending on the VPO regime, a minimum period must elapse before being able to sell the home, which can be up to 10 years. This is established to prevent real estate speculation and ensure that VPO homes are used for their original purpose.
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Sale with official protection: If you want to sell your home while maintaining its official protection rating, you must comply with the requirements established and sell it at the price set by the public administration. To know this price, you must request it in writing to the administration. In addition, the buyer must also meet certain requirements for the sale to take place.
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Sale without official protection: You can choose disqualify the home to sell it as free rental, which allows you to set the price you want and not be subject to VPO requirements. However, this generally involves returning the aid received at the time of purchase, so you will have to pay these expenses before being able to sell the home.
And do not meet with the requirement of 10 years To sell the home, the Junta de Andalucía contemplates exceptions as:
- Being a victim of terrorism
- Be an heir and not be able to comply with the 5-year requirement as a habitual residence
- Being a victim of abuse
- Living with a family member over 65 years of age
- Displacement for work reasons
- Increase of the family
When can a free price vpo be sold in Andalusia?
One of the most common doubts among VPO owners is if An official protection house can be sold at free price. In Andalusia, this is possible, but a minimum term must be fulfilled from the initial rating of the house. In most cases, Sell a VPO after 10 years allows you to start the process of Automatic disqualification, although it is always necessary to consult the specific case.
It is important to know that VPO Housing Before the established period requires administrative authorization and is usually subject to a Maximum legal price for sale. To sell it at a free price, it is necessary disqualify the VPO through an official procedure.
If you are in this situation and want to know When can your vpo be sold, How to disqualify it or if you can do it no price limit, in value we offer you free advice and we take care of the entire process.
🔹 Do you have doubts about your case?
🔹 Do you want to use our Maximum price calculator VPO in Andalusia?
Steps to disqualify a VPO
Many people choose to disqualify their VPO home to sell it to a highest price and without the limitations associated purchasing. To start this process, it is required request it in writing to the administration corresponding, attaching the necessary documentation and meeting the established requirements, possibly including the return of aid received.
To do this, we carry out a preliminary study to calculate the aid to be returned and we manage the compilation and presentation of all necessary documentation. Additionally, we offer ongoing advice for your peace of mind and we manage for free all documentation for both buyer and seller.
Buy VPO housing in Malaga
In addition, a specialized advisor will accompany you throughout the process and ewill study your case to check if you meet the requirements to buy your VPO.
Requirements for access to a VPO in Malaga
The buyer must comply with a series of mandatory requirements to access VPO housing; Otherwise, the administration may deny the request.
For this, it is important to carry out a previous study to determine your aptitude to buy a VPO home. If the following requirements are not met, you must look for rent-free housing:
- Do not exceed the maximum annual income in the family unit. The maximum income depends on the type of qualification that the home has, and may vary between 2.5 or 5.5 times the IPREM (Multiple Effect Public Income Indicator) established by the Junta de Andalucía.
- Not having another home in the propiety.
- Establish the acquired home as residence and habitual residence.
Maximum income to access a VPO in Malaga
Los family income weighted amounts may not exceed the maximum income that the current Autonomous Housing Plan establishes for the program comparable to that of the home to be acquired. The actual Live Plan 2020-2030 establishes the following income limits:
- 2.50 IPREM for Special Regime.
- 4.00 IPREM for General Regime.
- 5.50 IPREM for Limited Price.
VPO Junta de Andalucía
We take care of manage the sale of your home Official Protection of the Junta de Andalucía, taking care of the documentation and the entire process. We have an expert team for sale, disqualification and processing of POV.
Sell any type of VPO of the Junta de Andalucía
The vast majority of VPO homes in the Junta de Andalucía can be sold meeting certain requirements. We inform you about the type of VPO and the necessary steps to do it with all the guarantees.
We advise you on whether it is best for you to sell the home disqualified or as VPO, studying your case to offer you the best options, expenses and deadlines.
Once you decide, we take care of everything. Request your free advice and one of our agents will inform you.
VPO Andalusia aid repayment calculation
To disqualify your home, you must submit the application and required documentation to the Territorial Development Delegation of your province, which has a period of three months to resolve.
The disqualification will be conditional on the return of the aid received, with legal interest, and the self-assessment of tax benefits in three months. After verifying the payment, the home will be registered in the Property Registry.
To calculate the amount to be returned, you must add the aid received each year with the current legal interest.
However, each case is unique, so we recommend contact with the Housing Department of Andalusia or with our advisors for a personalized calculation and advice.
Maximum income VPO Andalusia
The weighted family income may not exceed the maximum income that the Autonomous Housing Plan set for the program similar to that of the home to be acquired. The current Live Plan 2020-2030 establishes the following income limits:
- 3.00 IPREM for Special Regime
- 4.00 IPREM for General Regime
- 5.50 IPREM for Limited Price
When can I sell a VPO in Andalusia?
- Change in employment situation.
- Increase in family members.
- Need of a member over 65 years of age.
- Victim of terrorism or gender violence in the family.
- Incidents such as death, disability, separation or annulment of marriage or de facto couples.
- Transfer of a percentage of the home to whoever is already a co-owner. This includes inheritance partitions and dissolutions of condominium or marital partnerships, when an owner acquires the entire home by paying the value of the remaining part.
Other exceptions may also apply depending on the Housing Plan.
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