DAFO ?

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fincalospinos
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DAFO ?

Postby fincalospinos » Thu Jul 12, 2018 6:34 pm

It seems that some lenders are asking for a DAFO certificate/ report before offering a mortgage on some properties, mainly campo homes.

Please can someone enlighten me as to what a DAFO is, where would you apply for one, how much does it cost ( its bound to cost something if its to do with property ), and how long does it take to get one ?
Hardworking resident !!

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dxf
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Re: DAFO ?

Postby dxf » Thu Jul 12, 2018 11:32 pm

Hola

A DAFO is a Declaration Asimilacion Fuera de Ordenacion or assimilated in the plan although it is outside of normal planning.
Another way of putting it is "Having raised awareness, the house has been recognised" To obtain a certificate you will need to have a recognised septic tank if not connected to mains sewerage.


It came into law in Decree 2/2012 and was the result of a lot of hard work by AUAN (Abusos Urbano Almanzora - NO!) an expat group in Albox and surrounding towns

Davexf

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Re: DAFO ?

Postby Beachcomber » Fri Jul 13, 2018 9:24 am

Whatever they want to call it (AFO, DAFO, SAFO, RAFO or even a 'DAFTO') it is nothing more than a legitimised scam to part as many people as possible from their money. These people were prompted to purchase illegal properties by lawyers, estate agents, property developers and mayors and the regional government and town hall were happy to take their money for all the associated taxes then once all the fees and taxes had been paid a property would summarily be declared 'illegal' and in some cases demolished. Now these very same lawyers, having got property purchasers into this predicament in the first place, are trying to get a second bite at the cherry by charging extortionate fees to oversee the issuing of an AFO.

There are many third party web sites that try to explain the situation regarding the issuing of AFOs but very few actually state that obtaining an AFO does not legalise an illegally built property but merely 'regularises' it. The properties concerned must comply with many requirements before being eligible for an AFO but the most important is than an AFO cannot be issued for a property built on protected land (as opposed to non-urbanisable land).

I hesitate to link to third party web sites (especially those of lawyers) but this article does cover the matter fairly adequately. I have no knowledge of this company and am certainly not recommending their services but what they state is basically accurate and informative:

https://www.cdsolicitors.com/the-purcha ... andalusia/

I would suggest that you seek out directly an architect familiar with the procedure who is prepared to see the matter through to its conclusion rather than go to a lawyer who will just pass everything on, for a commission in addition to the victim's fee, to his own tame architect anyway.

So you have a rural property built with a building licence, issued with a certificate of first occupation, and an escritura duly registered in the property registry. That would indicate that you are fairly fireproof, right? Wrong! You may be fireproof but you are certainly not immune from the attentions of the scam merchants at the Junta de Andalucía:

http://www.davidjackson.info/blog/2018/ ... -in-albox/

Note the comment in the article 'and why is it only houses belonging to British people?'

It all goes back to a headline I saw in a British newspaper a few years ago which read:

'Do not buy a property in Spain unless you can afford to lose all of the money.'

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fincalospinos
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Re: DAFO ?

Postby fincalospinos » Fri Jul 13, 2018 11:42 am

Many thanks for your replies and the very informative links.
Hardworking resident !!


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