An older post of mine from the completion topic:
I forgot to tell you about an interesting moment when completing. We had opted for the developers mortgage. At the end of the long meeting and after the notary left, the lady from the bank wanted me to sign a lot of papers (at least about twenty or so).
Most of them were related to the opening of a bank account with Caixa which is an understandable obligation. We also had to sign for an insurance on our part of the building. It looks we are allowed to change the specific insurance as long as we make certain there is one. Again very understandable, although none of these obligations were ever mentioned in earlier communications.
The last paper however was a nasty surprise. They expected me to sign for a very costly life insurance. I refused to do so. I stated that I didn't know in advance, it was never mentioned and I didn't agree to it. I felt quite secure this time as we had all the necessary papers in our possesion by then. As we were all worn out by the extremely lengthy session I won the argument and left the building without signing this one. We would discuss it at a later time. I'll try to postpone it until after my death :)