{"id":20419,"date":"2025-08-13T10:51:05","date_gmt":"2025-08-13T08:51:05","guid":{"rendered":"https:\/\/elevabalear.com\/?p=20419"},"modified":"2026-11-04T11:45:45","modified_gmt":"2026-11-04T09:45:45","slug":"can-they-force-me-to-finance-a-lift","status":"publish","type":"post","link":"https:\/\/elevabalear.com\/en\/can-they-force-me-to-finance-a-lift\/","title":{"rendered":"Can I Be Forced to Finance a Lift?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">It's a question that sooner or later arises in many communities: Can I be forced to finance a lift? And the answer isn't as simple as yes or no. Because first, you have to fully understand what we're talking about.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Paying is not the same as financing. Paying means covering your share of the cost, either all at once or in instalments. Financing, on the other hand, implies covering the expense with a loan or a long-term payment system, and you join that plan even if you haven&#039;t personally taken out any credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does the law say in 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Horizontal Property Law (LPH) and current case law make it quite clear when you are obligated to participate financially in the installation of a lift. They also explain how payment can be arranged\u2014including through financing\u2014and in which cases you cannot refuse, even if you prefer not to enter into instalment plans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Paying is not the same as financing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It seems like a nuance, but it is important.<br>When you pay, you simply cover your part: in cash or in instalments, without further ado.<br>When you finance, you enter into a community plan to repay a loan, either by contributing your monthly instalment or by participating in the total repayment through contributions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#039;s common these days for the community to take out the loan in its own name. You don&#039;t sign the loan as an individual, but you contribute to its repayment through these regular payments. And yes, that&#039;s also financing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When are you required to participate?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Two very different scenarios come into play here:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Mandatory work for accessibility (art. 10.1.b LPH)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If a homeowner requests a lift and a person over 70 years old or with a disability lives, works, or volunteers in their home or business premises, the installation may be mandatory. However, the cost must be reasonable: the annual amount, after deducting any subsidies, cannot exceed 12 ordinary monthly common expenses. If the homeowners&#039; association requests financing, this annual amount is calculated by spreading the cost over the number of years the financing allows. If the subsidies granted cover at least 70% of the cost, or if the party requesting the installation assumes the excess, the installation is also mandatory. In that case, you must contribute, even if you didn&#039;t vote for it. The party requesting the installation can indicate available subsidy programmes, and the homeowners&#039; association is obligated to apply for them; if they fail to carry out the installation, a judge can be asked to compel them to do so.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Agreement approved by majority (art. 17.2 LPH)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are no accessibility requirements here. If a majority of owners, representing a majority of the shares, approve the agreement, it is binding on everyone, even if you voted against it or weren&#039;t present.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In both cases, the community can decide to fund the work, and you must follow the approved plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can you be forced to sign a loan?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No. This is important.<br>No one can force you to become a borrower or guarantor of the loan. The loan is signed in the name of the community, not each neighbour&#039;s. Your obligations are within the framework of the community: pay your share, as agreed. Nothing more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Funding through the community<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#039;s how it works: the bank grants a loan to the community, and the community establishes a payment schedule (monthly, quarterly, etc.). The money you pay goes toward covering the loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Are you financing the lift? Yes, even if you haven't signed anything with the bank. But you're required to participate if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The installation has been legally approved or is mandatory.<\/li>\n\n\n\n<li>The financing plan was voted on and approved by the Board with the corresponding majority.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What if you prefer to pay in cash?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you have the money, you may be interested in paying your portion all at once and avoiding interest. Some communities allow this option, thereby reducing the total loan amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, this isn&#039;t automatic. It must be included in the agreement approved at the meeting. If it isn&#039;t, you&#039;ll have to follow the same schedule as everyone else, although you can propose this alternative for inclusion.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">And what about the owners of ground floors, commercial premises or garages?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There is a lot of confusion here.<br>Not using the lift doesn't exempt you, unless you have an express exemption in your bylaws or there's a unanimous agreement that frees you. This has been upheld by the Supreme Court on more than one occasion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, if the community takes out a loan for the installation, these owners must also contribute their contributions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What happens if you have an exemption?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In that case, you&#039;re excluded: you don&#039;t pay, you don&#039;t finance, and you can&#039;t be included in the loan distribution. To eliminate this exemption and force you to participate, unanimity within the community is required.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are there limits?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, even if a financing plan is approved, there are certain barriers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They can&#039;t bind you to personal debts. You&#039;re only obligated within the community framework.<\/li>\n\n\n\n<li>There must be an approved project and a valid license.<\/li>\n\n\n\n<li>In mandatory accessibility works, what you have to pay each year, after deducting aid, cannot exceed twelve ordinary monthly payments of common expenses, unless the aid granted covers 70% of the cost.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How is a financing plan approved?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Everything is decided at the meeting. The minutes must detail:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Total amount of the work.<\/li>\n\n\n\n<li>What part corresponds to each owner.<\/li>\n\n\n\n<li>Loan conditions (duration, interest, etc.).<\/li>\n\n\n\n<li>Dates and amounts of the assessments.<\/li>\n\n\n\n<li>Possibility of advance payment, if contemplated.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Once approved by a legal majority, it applies to all residents who are not exempt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Real cases to understand it better<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Community approves installation with 10-year loan<\/strong><br>All homeowners must pay their share each month, even if they do not sign the loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. A neighbour wants to pay in cash<\/strong><br>You can do this only if the agreement allows it. Otherwise, you&#039;ll have to follow the general schedule.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. A premises with exemption in the statutes<\/strong><br>It does not pay or participate in financing unless the statutes are unanimously modified.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Accessibility work with public aid<\/strong><br>Even if aid is received, the remaining cost can be financed. Residents will have to pay their share.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is your community considering installing a lift?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If so, here are some practical tips:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Read the agreement carefully before voting.<\/li>\n\n\n\n<li>Ask if you can pay your share in advance.<\/li>\n\n\n\n<li>Check if you have any valid exemptions.<\/li>\n\n\n\n<li>Find out about possible public subsidies.<\/li>\n\n\n\n<li>And, above all, participate in the Board. Not deciding is also deciding.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">At Eleva Balear, we are specialists in lift installation in Mallorca.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We know that these types of decisions raise many questions. Especially when it comes to paying in instalments or taking out a loan without having applied for it. If you're wondering, \"Can I be forced to finance a lift?\" At Eleva Balear, we explain it to you straightforwardly, clearly, and with a friendly approach.<\/p>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">We take care of everything: from <a href=\"https:\/\/elevabalear.com\/en\/lift-installation-service\/\" target=\"_self\">lift installation in Mallorca<\/a> to licensing, grants, and financing options tailored to each community. We do this with local knowledge and direct contact, because we understand what it means to live in a building and make decisions together.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you have questions or would like to discuss a project in your community? Write to us. We&#039;ll discuss the options and how to improve your building&#039;s accessibility, without complications.<\/p>","protected":false},"excerpt":{"rendered":"<p>Es una pregunta que tarde o temprano surge en muchas comunidades: \u00bfme pueden obligar a financiar un ascensor? Y la respuesta no es tan simple como un s\u00ed o un no. Porque antes hay que entender bien de qu\u00e9 estamos hablando. No es lo mismo pagar que financiar. Pagar significa hacer frente a tu parte [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","_vx_contenido_v2":"","_vx_titulo_v2":"","_vx_descripcion_v2":"","_vx_imagen_v2":"","_vx_antes_301":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-20419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfMe Pueden Obligar a Financiar un Ascensor? - ELEVA Balear<\/title>\n<meta name=\"description\" content=\"\u00bfMe pueden obligar a financiar un ascensor en mi comunidad? 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Find out what the law says and what your rights are.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/elevabalear.com\/en\/can-they-force-me-to-finance-a-lift\/","og_locale":"en_GB","og_type":"article","og_title":"\u00bfMe Pueden Obligar a Financiar un Ascensor? - ELEVA Balear","og_description":"\u00bfMe pueden obligar a financiar un ascensor en mi comunidad? 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