Что собой представляет титульное страхование недвижимости? Его особенности и некоторые нюансы

Автор: admin  //  Рубрики: Азбука недвижимости

титульное страхование 1

Что собой представляет титульное страхование недвижимости? Его особенности и некоторые нюансы

Тема нашей сегодняшней встречи – титульное страхование.

Многочисленная смена владельцев в истории квартиры предполагает возможность возникновения спорных вопросов и нарушений правовых норм при актах отчуждения.

Несовершеннолетние дети, отсутствие согласия супруга, наследники по закону и многие другие вскрывшиеся обстоятельства могут быть основаниями для признания сделки ничтожной.

Российское законодательство не предусматривает достойной компенсации в таких случаях. Лишь титульное страхование может стать некоторой гарантией для возвращения средств, затраченных на приобретение недвижимости.

Страховые случаи, при которых выплачивается страховка

Случаи мошенничества или непреднамеренные ошибки могут стать неоспоримым аргументом для признания недействительности сделки. Вот некоторые из них:

- договор составлен на основании фальшивых правоустанавливающих или сопутствующих документов;

- выявлена недееспособность одного из участников договора;

- разоблачены действия из разряда уголовного кодекса-мошенничества;

- решение суда, служащее основанием для документа, подтверждающего собственность, оказалось отмененным;

- нарушение прав третьих лиц, чьи интересы были ущемлены.

Если сделка проведена с нарушением норм и требований законодательства РФ, то она не считается законной.

Состояние опьянения, аффекта или одурманивающее действие лекарственных препаратов тоже является причинами, по которым бывший владелец может оспорить сделку.

Банковское страхование титула

титульное страхование 2

Банк часто предлагает титульное страхование при оформлении кредитного ипотечного договора. Обычно это сумма равняется цифре заемных средств. Новостройки из-за отсутствия истории финансисты не страхуют.

Стандартными сроками для титульного страхования являются год, три года, иногда и десять лет. Но, несмотря на срок исковой давности, к которому апеллируют страховщики, следует помнить, что такие даты начинают исчисляться заново от того момента, когда истец узнал об ущемлении его прав и продаже квартиры.

При страховании в банке вы не будете переплачивать за проверку квартиры на правомерность сделок. Поэтому титульное страхование в кредитной организации обходится заемщику, в среднем, вполовину дешевле, чем при обращении в страховую компанию.

Когда страховка не будет выплачена?

Дарение, использование недвижимости не по его основному назначению, незаконная перепланировка является факторами, из-за которых страховщики отказываются выплачивать компенсацию.

Недостатки титульного страхования

Крупные взносы (до 1% в год от стоимости жилья) при заключении договора, где темой является титульное страхование, не смогут вас полностью уберечь от рисков, возникающих на вторичном рынке жилья.

Если сделки, проводимые с объектом недвижимости, достаточно подозрительны, то страховая компания не будет оформлять документ.

Слишком длинный список ситуаций, при которых не выплачиваются суммы компенсаций, также говорят не в пользу такого страхования.

Поэтому стоит тщательно взвесить все за и против, заключая затратный договор добровольного страхования титула квартиры или дома.

С уважением, Андрей Ляпустин

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