{"id":74733,"date":"2024-09-26T16:50:45","date_gmt":"2024-09-26T16:50:45","guid":{"rendered":"https:\/\/www.immosol.com\/?p=74733"},"modified":"2025-08-29T12:07:52","modified_gmt":"2025-08-29T12:07:52","slug":"obra-nueva-cuanto-tiempo","status":"publish","type":"post","link":"https:\/\/www.immosol.com\/en\/obra-nueva-cuanto-tiempo\/","title":{"rendered":"New construction: How long?"},"content":{"rendered":"<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-6d7e839d280fd8ef43a9a7cd01a46155 wp-block-paragraph\">When we talk about <strong>new construction<\/strong>we refer to properties that <strong>have not been previously inhabited<\/strong>but the key question is: how long is a property considered to be a <strong>new construction<\/strong>? This is a <a href=\"https:\/\/www.immosol.com\/en\/comprar-una-casa-todo-lo-que-tienes-que-saber\/\">frequent doubts among buyers<\/a> and homeowners, since the classification of a dwelling as a<strong> \"New construction\" has both legal and fiscal implications.<\/strong><\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-561e8d2f0118e1e8b37250058a019dbf wp-block-paragraph\">In addition, it is also essential in this context to know the <strong>ten-year insurance<\/strong>which covers certain construction defects for 10 years. In this article, we will explain in detail <strong>how long a property is considered new construction<\/strong>what the 10-year insurance is and what it does and does not cover.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-cuanto-tiempo\/#%C2%BFCuanto_tiempo_se_considera_una_propiedad_obra_nueva\" >How long is a property considered a new construction?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-cuanto-tiempo\/#El_seguro_de_10_anos_para_obra_nueva_%C2%BFQue_cubre_y_que_no\" >The 10-year insurance for new buildings: What is covered and what is not?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-cuanto-tiempo\/#%C2%BFQue_cubre_el_seguro_decenal\" >What does the ten-year insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-cuanto-tiempo\/#%C2%BFQue_no_cubre_el_seguro_decenal\" >What is not covered by the ten-year insurance?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-cuanto-tiempo\/#%C2%BFExisten_otras_coberturas_para_la_obra_nueva\" >Are there other coverages for new construction?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_tiempo_se_considera_una_propiedad_obra_nueva\"><\/span>How long is a property considered a new construction?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-a04d843f604ef0e02d1fbaa9daa92df6 wp-block-paragraph\"><strong>The classification of a property<\/strong> as <strong>new construction<\/strong> has a limited duration in time. Legally, a dwelling is considered as a new construction during the <strong>first two years<\/strong> since the completion of its construction. During this time,<strong> the property retains this status for both commercial and tax purposes.<\/strong><\/p>\n\n\n\n<p class=\"has-ast-global-color-2-color has-text-color has-link-color has-medium-font-size wp-elements-ad1ebe34f5418baaf9980afc03f34212 wp-block-paragraph\">However, it is important to bear in mind that this timeframe <strong>may vary slightly depending on the country<\/strong> or the regional or local regulations in which the property is located.<\/p>\n\n\n\n<p class=\"has-ast-global-color-2-color has-text-color has-link-color has-medium-font-size wp-elements-7c50619864b1afcfb4b3a7d6e2ad0468 wp-block-paragraph\">In many countries, such as <strong>in Spain<\/strong>properties are considered as new construction as long as <strong>they have not been sold or inhabited for the first time<\/strong>. Once the property is sold or inhabited, it automatically becomes <strong>second-hand housing<\/strong>whether or not the two years mentioned above have elapsed.<\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-fbb2b8257a3dd8ef73dfa4a04cc9903c wp-block-paragraph\">This two-year period is particularly <strong>important when it comes to tax issues<\/strong>. For example, in some regions, new-build properties are subject to a <strong>VAT<\/strong> lower, compared to second-hand housing, than second-hand housing, which <strong>may be subject to other taxes, such as transfer tax (Impuesto de Transmisiones Patrimoniales, ITP).<\/strong><\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-c0776a664b8372c95a94a778a21774dd wp-block-paragraph\">In short, a property is considered to be <strong>new construction<\/strong> until two years after its construction, or until the moment it is sold or inhabited for the first time, whichever comes first. But beyond the time period, another key aspect in the purchase of new construction is the <strong>ten-year insurance<\/strong>which offers additional protection for homeowners.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"El_seguro_de_10_anos_para_obra_nueva_%C2%BFQue_cubre_y_que_no\"><\/span>The 10-year insurance for new buildings: What is covered and what is not?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-0d2893d823572297f62f1a221964135f wp-block-paragraph\">One of the fundamental elements in the purchase of a newly built home is the <strong>ten-year guarantee<\/strong> or the <strong>ten-year insurance<\/strong>. This is an insurance policy with a duration of <strong>10 years<\/strong> and is mandatory for all developers of new buildings.<\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-23fc0977ed73ecd26eadb8bdc627f90c wp-block-paragraph\">Its aim is to<strong> protecting the buyer against structural defects<\/strong> or hidden defects that may appear during the first decade of the property's life.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_el_seguro_decenal\"><\/span>What does the ten-year insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-2b776e2c91f6166abeddb390ea6bf215 wp-block-paragraph\">The ten-year insurance covers <strong>structural defects<\/strong> of the home, i.e. those problems that may compromise the stability and safety of the building. The elements covered by this insurance include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\"><strong>Foundation defects<\/strong>Any failure in the foundations that jeopardises the stability of the building.<\/li>\n\n\n\n<li class=\"has-medium-font-size\"><strong>Defects in the structure<\/strong>This includes problems in pillars, beams and other structural elements.<\/li>\n\n\n\n<li class=\"has-medium-font-size\"><strong>Partial or total collapse<\/strong>In the event that part or all of the building is compromised by construction defects.<\/li>\n\n\n\n<li class=\"has-medium-font-size\"><strong>Damage caused by structural defects<\/strong>If these defects affect other parts of the dwelling, such as walls, floors or ceilings.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-786c4a264424c46f4c246a2eb19fa87a wp-block-paragraph\">In a nutshell, <strong>decennial insurance is designed to protect buyers against serious problems.<\/strong> that may affect the security of the building. These problems often cost a lot to repair, so having this cover is essential to ensure the buyer's peace of mind.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_no_cubre_el_seguro_decenal\"><\/span>What is not covered by the ten-year insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-9215bc4d4167866848f899525e43a876 wp-block-paragraph\">Although decennial insurance offers significant protection, it is important to be clear that it does not cover all problems that may arise in the home. Defects that <strong>are not related<\/strong> with the structure or that do not affect the safety of the building are not covered by this guarantee. Below are some of the aspects that are not covered by the ten-year insurance policy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Minor cosmetic flaws<\/strong>Surface cracks, defects in finishes, paint or coatings are not covered, as they do not affect the structure of the building.<\/li>\n\n\n\n<li><strong>Installations and systems<\/strong>Ten-year insurance does not cover problems related to electrical installations, plumbing, heating or air conditioning, unless they are directly related to structural failure.<\/li>\n\n\n\n<li><strong>Defects in use or maintenance<\/strong>If the problem arises due to misuse or lack of maintenance by the owner, the insurance will not cover it.<\/li>\n\n\n\n<li><strong>Damage caused by third parties or external events<\/strong>Natural disasters, acts of vandalism or accidents are not covered by this insurance, as they are considered external causes.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"%C2%BFExisten_otras_coberturas_para_la_obra_nueva\"><\/span>Are there other coverages for new construction?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-48a7f0a779ec7665b459b02ac0a1d711 wp-block-paragraph\">In addition to the ten-year insurance, there are also other guarantees that the developer is obliged to offer, although their duration is shorter. For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>One-year warranty<\/strong>: Covers <strong>finishing defects<\/strong> or minor damage that may affect the habitability of the property. This guarantee lasts for one year from the handing over of the keys.<\/li>\n\n\n\n<li><strong>Three-year warranty<\/strong>Covers any problems or defects that may affect the <strong>habitability and functioning<\/strong> of the dwelling, such as water leaks or problems in the installations, which do not compromise the structure but make life in the property difficult.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-ac087508464024705d850fde2de875cc wp-block-paragraph\">When buying a <strong>new construction<\/strong>If a property is considered a new building, it is essential to know how long it is considered as such and what guarantees are in place to protect the buyer. While a property is considered new construction for the first two years, the ten-year insurance guarantees coverage against structural problems for 10 years.<\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-5565b5b3b7d531f2fb701d60a5c5858f wp-block-paragraph\">However, <strong>it is important to be clear about what is and is not covered by this warranty, <\/strong>and complement it with other coverage if necessary. By being well informed, you will be able to make safer decisions and enjoy your new home with greater peace of mind.<\/p>","protected":false},"excerpt":{"rendered":"<p>Cuando hablamos de obra nueva, nos referimos a propiedades que no han sido previamente habitadas, pero la pregunta clave es: \u00bfcu\u00e1nto tiempo se considera una propiedad como obra nueva? Esta es una duda frecuente entre compradores y propietarios, ya que la clasificaci\u00f3n de una vivienda como \u00abobra nueva\u00bb tiene implicaciones tanto legales como fiscales. Adem\u00e1s, [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":74736,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"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":"set","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":""}},"_joinchat":[],"footnotes":""},"categories":[572],"tags":[],"class_list":["post-74733","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-obra-nueva-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Obra nueva: \u00bfCu\u00e1nto tiempo? - Immosol | Promotora inmobiliaria en la Costa Blanca<\/title>\n<meta name=\"description\" content=\"\u00bfCu\u00e1nto tiempo se considera obra nueva una vivienda? \u00bfQu\u00e9 cubre el seguro decenal? 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