🔎 How the Deposit Works at Alliance
We use a custody model.
This is not an “informal arrangement.” It is a legally formalized structure.
1️⃣ A custody agreement is signed
It sets out:
- the property (cadastral number)
- the amount
- the purpose
- the term
- the conditions for transfer
- the conditions for refund
2️⃣ The money is transferred to Alliance's business account
The funds:
- are not income
- are not subject to TVA
- are recorded as third-party funds
- are not used by the company
This is a transit.
3️⃣ Transfer to the seller — only when the conditions are met
- legal soundness is confirmed
- there are no encumbrances
- the antecontract is agreed
- the notarial deed is ready
If the conditions are not met, the funds are returned to the buyer.
❗️ Why this matters
Because the deposit is the most vulnerable part of the transaction.
After a direct transfer to the seller, you depend on the seller's position.
With custody through Alliance, the money stays in a controlled zone.
These are fundamentally different levels of security.
📊 What we check BEFORE the deposit
- the cadastral extract
- encumbrances
- the history of title transfers
- the developer
- insolvency
- tax status
- the 21% TVA model
- bank requirements
A deposit is accepted only after an initial check.
🏗 New builds — higher risk
If the property is under construction, you are buying an obligation.
We check:
- autorizație de construire
- the status of the land
- the project's financing
- the debt load
Without this, a deposit is a gamble.
💶 Bank controls and AML
In 2026, a transfer of 100–300 thousand euros may be stopped by the bank.
In advance, we:
- prepare a financial file
- agree on the payment structure
- set out the correct payment purpose
This protects the client from having their funds blocked.
⚖️ Why the notary does not solve everything
The notary certifies the transaction.
The notary does not:
- structure the deposit
- model the taxes
- analyze the investment strategy
- coordinate with the bank
Alliance works BEFORE the notary and AFTER the notary.
🎯 Conclusion
In 2026, buying real estate is not an emotion.
It is a structure.
A safe transaction includes:
✔️ a legal audit ✔️ a check of the seller ✔️ a structured deposit ✔️ control of the money ✔️ a tax model ✔️ bank approval
If you are planning a purchase, do not start with viewing an apartment.
Start with a strategy.
Alliance is not a viewing agency.
It is a capital protection system.