Squatters in Spain Seized My Apartment

Any discussion about purchasing property in Spain inevitably leads to the problem of squatters: “Here’s a person who bought an apartment in Spain and barely had time to live in it before squatters rushed in, and there’s no controlling them. Everything’s lost. How unfortunate are those real estate owners in Spain by the sea, and in Europe in general, what a nightmare!”

At Granfield Estate, we take the squatter issue seriously. Our in-house lawyer checks every property for occupation risks before we recommend it to a client.

Now, let's distinguish between what’s true and what has been fabricated by Facebook community admins. Also, we'll look into: what kinds of properties do squatters prefer (yes, they have preferences)? How often do squatters in Spain seize apartments? And, is it possible to insure against squatters, or is it better not to buy property in Spain at all?

So, SQUATTERS - individuals who illegally enter your home while you're away, change the locks, put their family photos on your dresser to make it look as if they live there, and when you return and call the police, they tell the police that you rented them your apartment just yesterday, here's the contract, but now you’ve changed your mind and want to illegally evict them from their own apartment.

Indeed, such cases have happened and could be left at that, but let's delve deeper.

Firstly, such specific cases are very rare. Mostly, squatters occupy bank-owned properties, i.e., properties repossessed by banks for mortgage non-payment, because bank employees are indifferent to such cases, and their salaries are not affected. There are even stories of bank employees who “leak” addresses of such properties.

Squatters also favor abandoned homes, where it’s obvious the owners haven’t visited for years or are no longer alive. This is probably an ideal scenario for squatters. If the owner doesn’t report to the police, living in such a property can continue for a long time until it’s repossessed due to non-payment of utilities.

Secondly, such stories often involve a confusion of concepts, where the owner indeed rented out the apartment, received rent for some time, then changed their mind, but the tenant doesn’t want to leave. Then, under Spanish law, in the case of long-term rental (let’s repeat ‘long-term’ twice 😉), according to the “Law on Renting” (La Ley 29/1994, de 24 de noviembre, de Arrendamientos Urbanos, last amended in 2019), the contract is mandatorily extended for a minimum of 5 years. This means that you cannot just evict someone at the owner's whim; valid reasons are needed, such as wanting to sell the property in Spain or use it for permanent living. If we consider such a situation, it has nothing to do with squatters. By the way, similar laws protecting tenants exist not only in Spain but also in Germany, the Netherlands, Italy.

Thirdly, who said that in such a dispute between an owner and a tenant, the owner is always right, and the tenant is a cunning deceiver? Perhaps the owner, or someone posing as the owner, rented out the apartment, received a year's advance payment (which, by the way, is also illegal 👮‍♀️), and now decided to repeat the scheme. Why not?

Fourthly, the topic of squatters is very popular on social networks, especially on Facebook. Some admins, who write sensational headlines, are not averse to adding fuel to the fire. There are many comments, and there is always someone who knows someone who was in such a situation, or not quite, but it’s still a nightmare.

Turns out, if you delve into it, the chances of your apartment being occupied by squatters are about the same as the chance of a brick falling on your head.

But to ignore such stories, pretending that this never happens at all, is also wrong.

So, what to do? If we were to give advice, we always remind our buyers after the transaction that:

1. Change the locks. We think it's obvious why this is necessary.
2. Install an alarm system with video surveillance and a police call function; 50-60 euros per month – the price of your peace of mind. Next time, when you see a video or article about SQUATTERS in Spain, you can skip it.

If a brick does fall on your head, what should you do:

1. Call a lawyer specializing in these matters. Right away, we say that this is not the person who files your taxes, you need a lawyer, do not confuse with an assessor.
2. If you don’t have a lawyer, immediately contact the police. Such cases under the 2018 law must be considered within three days.

What are the ways to evict:

1. The police evict the offenders.
2. Special companies - "Desokupa" can help, mainly providing psychological pressure on the impudent.
3. Through a lawyer, you can offer squatters money for leaving your property, but keep in mind, the very act of transferring money can be interpreted against you in court.
4. Under no circumstances, after you have filed a report with the police, should you go yourself and try to negotiate with the squatters, let alone break into your own home. Squatters may claim that you are threatening them, and you will have to answer to the law. This significantly complicates the resolution of the issue.

Let's repeat, a simple solution like an alarm will completely solve this problem. Especially if you do not live in Spain permanently. Even the presence of a sign that the object is under protection has a magical effect.

We remind you that Granfield Estate real estate agency offers concierge services, and can also help rent out your property in Torrevieja for tourist or seasonal rental.

Frequently Asked Questions

How great is the real threat of squatters taking over apartments in Spain?

The threat is greatly exaggerated on the internet. According to statistics, the overwhelming majority of squatter cases involve vacant bank properties and non-residential buildings, not apartments owned by private individuals. Regularly used or rented housing is almost never targeted by squatters. The real risk for an owner of a vacation apartment that they visit a few times a year is minimal.

What types of apartments do squatters prefer the most?

Squatters prefer properties that have clearly been vacant for a long time: bank-owned apartments, abandoned houses, properties showing no signs of regular visits. Well-maintained apartments with regular visits from the owner or management company are rarely subjected to squatting. The concierge service Granfield Estate provides regular checks on your property specifically to ensure it does not appear abandoned.

How can I protect my apartment in Spain from squatters?

Main measures: reliable locks and bars on first-floor windows, alarm systems, regular checks on the property (either personally or through a management company), insurance against squatting (seguro de okupa). Regular ventilation of the apartment and visible signs of active use are the best prevention. If you will be away for an extended period, we recommend using our concierge service.

What should I do if squatters have taken over my apartment in Spain?

Act immediately: call the police (if the squatting occurred less than 48 hours ago, the police can evict the squatters on the spot without a court order). For longer-term squatting, it is necessary to file a lawsuit — the process can take from several weeks to several months. Having insurance against squatting allows you to transfer the costs of a lawyer and temporary housing to the insurance company.

Our team at Granfield Estate lives and works on the Costa Blanca year-round. If you’re considering a move to Spain or looking for property in the area, we’re happy to share our local knowledge — get in touch for a free consultation.

Granfield Estate
Av. Bélgica 1, C.C. Parquemar, La Mata, 03188 Torrevieja (Alicante)
Tel: +34 865 44 33 33