http://www.propertyguidespain.com A Complete Guide to Buying Spanish Property Fri, 08 Feb 2008 13:34:28 +0000 http://backend.userland.com/rss092 en Deres advokat vil anbefale den bedste fremgangsmåde. Når De overfører penge til Spanien kan det være hensigtsmæssigt at anvende en autoriseret valutahandler, så man undgås tab på unødige kommissioner eller dårlige valutakurser (læs artiklen: Buying Euros to Pay for your Spanish Property). ##Omkostninger og afgifter ved køb af en bolig ... http://www.propertyguidespain.com/betaling-for-deres-ejendom.html At købe fast ejendom i Spanien opleves ofte som mere problematisk, end man kender det fra Danmark. Det kan det også være, men problemerne skyldes som regel, at køber har indgået en aftale med sælger uden at søge professionel rådgivning forinden. Generelle tips: lad professionelle rådgivere hjælpe dem med at ... http://www.propertyguidespain.com/processen-med-reservering-af-deres-ejendom.html Opgørelse af formuen: Nettoformue. Pensionsformuen skal medtages. Der skal betales formueskat af formue der overstiger ca. €108.182,00 Formueskatten er stigende fra 0,2% til 2,5%, dog må den samlede formueskat og indkomstskat ikke overstige 60% af indkomsten. Dog kan formueskatten ikke nedsættes til mere end 20% af den beregnede formueskat.     Skattepligtig formue     ... http://www.propertyguidespain.com/beskatning-af-formue-i-spanien.html ##Hvorfor Spanien - Costa Del Sol? 320 solskinsdage om året. Det eneste sted i Europa, der er lunt om vinteren. Hav, strand, sol og lys året rundt. Topmoderne regioner med velfungerende vejnet, el og vand. Et af Europas bedste sundhedsvæsener. En af Europas mest begunstigede beskatninger af pensionsordninger (helt ned til 7%). Uspoleret spansk kultur få ... http://www.propertyguidespain.com/boligs%c3%b8gning-overvejelser-vedr%c3%b8rende-k%c3%b8b-af-fast-ejendom-i-spanien.html Den væsentligste årsag til danskeres fraflytning fra Danmark er ofte den danske beskatning med en høj effektiv beskatning og en marginalskat på 60% af pensions-udbetalinger og afkastet af opsparing. Det er kendt for de fleste, at selvstændige og privatansatte kan undgå dansk beskatning ved flytning til Spanien. Hvad kun de ... http://www.propertyguidespain.com/beskatning-af-pension-i-spanien.html Hvis De allerede ejer eller forventer at eje fast ejendom i Spanien, bør De tage tid til at konsultere en advokat og en kvalificeret finansrådgiver. Dette vil sikre Deres aktiver, idet de rigtige forholdsregler kan træffes, så skifteprocessen forløber glat for Deres arvinger. I Danmark findes det fantastiske begreb, som hedder ... http://www.propertyguidespain.com/den-spanske-arvelov.html Vi anbefaler at De før de starter med at kikke efter en bolig kontakter en Spansk advokat for at få et klart billede af købsprocessen, Deres købsstrategi baseret på Deres personlige omstændigheder og omkostninger involveret. ##Baggrundscheck: check om boligen er fri af gæld Deres advokat vil fortage en fuld baggrundscheck for ... http://www.propertyguidespain.com/det-er-vigtigt-at-benytte-en-spansk-advokat.html Den gode nyhed er, at det generelt er langt billigere at besidde og vedligeholde fast ejendom i Spanien end i Danmark. De obligatoriske forpligtigelser er følgende: 1. Community Fees 2. Ejendomsskat 3. Forbrugsafgifter 4. Bygningsforsikring 5. Tases y Cargas 6. Særlige Skatter (skat far andre kommunal services) ##Community Fees Ejendomsfællesskabet (grundejerforeningen) udgør en juridisk enhed, ... http://www.propertyguidespain.com/skatter-og-andre-omkostninger.html ##Hvor starter De? Med fundament i denne information, vil De være i stand til at finde deres drømmebolig med sikker forhåndsviden om pris, omkostninger og at midlerne er klarlagt. Når boligen er fundet og ejendomsmægleren/professionel boligrådgiver succesfuldt har forhandlet en pris med sælgeren og denne er accepteret af begge parter, underskrives ... http://www.propertyguidespain.com/boliglan-og-lanemuligheder-i-spanien.html ####Abogado A Spanish lawyer ####A.P.I. Estate agents accreditation (also see G.P.I.E.). ####Arras Contract Clauses inserted into a Sales contract to allow either party to break the contract prior to completion provided that certain penalties are paid. ####Aval Bancario A guarantee covering any money placed as a deposit or as stage payments against an unbuilt or unfinished property. ####Boletin de ... http://www.propertyguidespain.com/glossary-of-spanish-terms.html Eksisterende bolig: en bolig der har en eller flere tidligere ejer der står på skødet. Off-plan projekter: er projekter, hvor man sælger inden færdiggørelse. Dette er et hovedmotiv for mange, som investerer i Spanien. Det er muligt at sikre sig et ”off plan”-projekt med et betydeligt prisafslag i forhold til den ... http://www.propertyguidespain.com/boligmuligheder-i-spanien.html ##Før De tager til Spanien Benyt en god uafhængig ejendomsmægler der kan hjælpen Dem med at finde Deres ‘rigtige’ bolig, yde en god service, og forhandle en god købspris. Costa del Sol har en kyststrækning på over 218 km, med mange forskellige områder. Ofte fås de bedste boligtilbud igennem ejendomsmæglernes ... http://www.propertyguidespain.com/forbered-dem-pa-at-kobe-en-spansk-bolig.html     Emergency       112       National Police       091       Local Police       092       Guardia Civil       062       Ambulance       061     ... http://www.propertyguidespain.com/useful-contact-numbers.html ####Abogado A Spanish lawyer ####A.P.I. Estate agents accreditation (also see G.P.I.E.). ####Arras Contract Clauses inserted into a Sales contract to allow either party to break the contract prior to completion provided that certain penalties are paid. ####Aval Bancario A guarantee covering any money placed as a deposit or as stage payments against an unbuilt or unfinished property. ####Boletin de ... http://www.propertyguidespain.com/glossary-of-spanish-property-terms.html http://www.propertyguidespain.com/e111-form-for-meidal-care-in-spain.html Click Here Spanish Residencia and Work Permit Application Form (completed sample) Click Here Spanish Residencia Application Form (original) http://www.propertyguidespain.com/spanish-residencia-application-form-sample.html This file contains a blank copy of the NIE number application and samples of filled out forms with instructions. http://www.propertyguidespain.com/nie-application-form.html Original completed and signed application and photocopy, 4 passport photos, NIE form, Passport and photocopy (with a validity of at least six months), Proof of address whether title deeds to your property or rental contract, If applicable, work contract (must be for a minimum of 6 months), plus a photocopy, Medical form from your home country, ... http://www.propertyguidespain.com/applying-for-your-residency.html Taxes and Other Costs Associated With Owning a Property and Living in Spain The good news is that running and maintaining a property in Spain is generally much cheaper than doing so in northern Europe. Your payment obligations are listed below: 1. Community Fees 2. Taxes 3. Utility costs 4. Property Insurance 5. Tases y Cargas Community ... http://www.propertyguidespain.com/taxes-and-other-costs.html For EU citizens a Spanish residence permit is called a tarjeta de residencia. We recommend that you apply for your residencia using a gestor. A tarjeta de residencia cannot be denied to an EU citizen and generally takes one year from the date of application. Income Tax Liability As a non resident ... http://www.propertyguidespain.com/the-benefits-of-becoming-resident-in-spain.html Here is a list of contact numbers for the town halls along the Costa del Sol:     Alhaurin de la Torre       952 418 150       Alhaurin El Grande       952 490 000       Alora       952 496 ... http://www.propertyguidespain.com/registering-at-your-local-town-hall.html Apply for a business permit Apply for a driving license in Spain or for an international license Apply for a mortgage or other type of loan Buy or sell property Buy a vehicle Employment Inheritance of assets in Spain Insure Property Open a bank account Pay taxes ##Sign onto the national Social Security service Obtaining a NIE number is quite easy ... http://www.propertyguidespain.com/applying-for-your-nie-number.html Your lawyer will normally contract your utilities on your behalf for a small fee, however if you want to set this up yourself then read the following article. Electricity You will have to buy your electricity from Endesa, they can be contacted online at http://www.endesaonline.com or by calling 900 848 384. Bills are paid ... http://www.propertyguidespain.com/contracting-your-utilities.html Great weather There are over 300 days of sunshine a year on the Costa del Sol and average day time temperatures during the winter months are between 16 to 22 degrees Celsius. Parts of the Costa del Sol have a microclimate; Marbella and Almunecar are two such areas due to the ... http://www.propertyguidespain.com/why-buy-on-costa-del-sol.html ##Before coming to Spain Use a good agent a good agent’s services are invaluable for helping you find the right property and negotiating a good deal. The Costa del Sol is a stretch of coastline that is over 218 km long, with a huge range of areas that present many interesting ... http://www.propertyguidespain.com/preparing-to-buy-spanish-property.html The distinction off-plan and resale property Before going any further in your research it’s important to make the following distinction; 1. Resale property: property that has had one or more previous owners who are described in the title deed or Escritura Publica. 2. Off-plan property: property that is sold by a developer off ... http://www.propertyguidespain.com/property-options-in-spain.html We recommend that before you start looking at property you have a meeting with a Spanish lawyer to get a clear picture of the buying process, a buying strategy based on your personal circumstances and the costs involved. Background checks: Checking the property is free of debt and liens Your lawyer will ... http://www.propertyguidespain.com/the-importance-of-using-a-spanish-lawyer.html Payment terms and contracts The normal procedure in Spain is to reserve the property with a deposit, to give you time to gather the funds. Here is the typical breakdown for reserving and paying for off-plan and resale property. Off-plan payment terms 6,000€ and sign a reservation contract to reserve the property for ... http://www.propertyguidespain.com/the-process-of-reserving-your-property.html ##Public Health Care You can qualify for free health care in Spain if you or your employer pays your Social Security contributions. Social Security contributions will only cover 75% of the cost of most treatments received and you will therefore be required to either pay the remainder. If you are a ... http://www.propertyguidespain.com/health-care-in-spain.html ##Choosing you bank Although the major national banks have branches in all cities and most towns, each region of Spain has its own banks with branches in almost every town within that region. There are two types of banks in Spain: savings banks and regular banks. Savings banks do not have ... http://www.propertyguidespain.com/banking-in-spain.html Enrolment Ideally you should travel to Spain prior to moving, to investigate the different educational possibilities. If your child will be going to a state school you will need to be registered at the local Town Hall and bring in a copy of this registration, a copy of your child's proof ... http://www.propertyguidespain.com/education-and-schooling-in-spain.html Here are some of the key points to Spanish Inheritance law: There is no automatic inheritance by a wife or other joint owner of the deceased’s joint owners share in any property/asset. A spouse’s inheritance is taxable. Children are compulsory heirs under the Spanish law of herederos forzosos. Only one third of the estate ... http://www.propertyguidespain.com/the-spanish-system-of-inheritance-law.html 1.Payment of reservation and deposit monies: The most secure bank account is in a registered escrow account agreed between the parties to the sale, or vendor’s lawyer’s client account. Although not technically an escrow account, it is bonded as lawyers have very restrictive rules governing the monies given to them ... http://www.propertyguidespain.com/the-toolbox-tips-for-buying-spanish-property.html Choosing how to rent your property First and foremost, be aware that there are two different ways to rent your property in Spain: Long-term rental or vivienda Provides the tenant with a contract that affords him certain irrefutable rights Allows the tenant to renew his contract for up to 5 years. Short-term rental or arrienda ... http://www.propertyguidespain.com/the-guide-to-renting-your-property-in-spain.html The Consumers Protection Act 1984 (Ley 26/1984 de 19 de Julio General para la defensa de los Consumidores y Usuarios), extended by General Contractual Conditions Act 1998 (Ley 7/1998, de 13 de Abril, sobre Condiciones Generales de la Contratación). These acts state that the clauses and terms in a purchase contract should ... http://www.propertyguidespain.com/buying-an-off-plan-property-from-a-developer-how-the-law-protects-you.html 1. Do your research on an area and run a cash flow analysis using the calculator to help you project costs and return. 2. Define your rental strategy. Are you wanting to let your property on a short term basis of days or weeks or several months to a year. 3. If ... http://www.propertyguidespain.com/the-toolbox-renting-your-property-a-shortlist-of-recommendations.html 1. Mortgage costs: If there is a mortgage on the property direct from the developer, the contract should mention that if you decide not to subrogate the costs of cancellation will be entirely borne by the vendor/developer. 2. Notary costs: Although the existing legislation does not envisage these costs, check that ... http://www.propertyguidespain.com/the-toolbox-tips-for-buying-off-plan-property-in-spain.html You can also pay by cheque in foreign currency, or direct bank transfer from your foreign account to the seller’s account. Your lawyer will advise you of the most suitable payment method. Before you transfer money to Spain think about using a currency broker to save you paying a fortune ... http://www.propertyguidespain.com/paying-for-your-property.html How do Spanish Mortgages compare to rates from other European countries? Rates and terms are amongst the best in Europe at the moment. The ease of obtaining a mortgage and low rates currently offered by the bank have led the Spanish to release equity from their own property and invest in ... http://www.propertyguidespain.com/the-mortgage-guide.html ##Impuesto sobre Transmisiones Patrimoniales(ITP) / Transfer Tax on the purchase of a resale property ###Resident and Non-resident 7% of value stated on the deeds. ###Company Same as above. ##Impuesto sobre el Valor Anadido (IVA) / Value Added Tax (IVA) on the purchase of a new build property ###Resident and Non-resident 7% of value stated on the deeds. ###Company Paid ... http://www.propertyguidespain.com/comparing-the-costs-of-owning-property.html Marcus Lang / HIFX ##Don’t take a Currency Risk. To illustrate this we can look at an historical example: A villa priced at 400,000 euros would have cost £266,666 at the end of June 2005 but increased to £279,720 by the end of July (4.7% in just 4 weeks). This is unnecessary ... http://www.propertyguidespain.com/buying-euros-to-pay-for-your-spanish-property-2.html Establishing your strategy Getting the right advice Take the time to sit with your lawyer and if necessary your financial advisors to gain a clear picture of the costs and tax liabilities when you sell. These experts will be able to advise you of all the implications and offer you insight ... http://www.propertyguidespain.com/the-seller%e2%80%99s-guide-to-spanish-property.html Why you need a good project manager Your basic requirements to ensure a smooth-running project are a good project manager (PM) and architect. A PM will help you with every aspect of the building process, coordinate work and contractors, negotiate on your behalf, recommend contacts that they have had good experience ... http://www.propertyguidespain.com/the-guide-to-building-your-own-property-in-spain.html 1. Consider placing a "For Sale" sign by your main agent. This always results in increased client enquiries. 2. Assemble your paper work and have it to hand while selling your property to create a professional presentation. * Nota Simple, * Copy of the Escritura Publica, * IBI receipts, * Community Statutes, * Community bills ... http://www.propertyguidespain.com/the-toolbox-tips-for-offering-your-property-for-sale.html 1. Appoint a good project manager as you will save money if you don’t speak Spanish or are not able to spend a significant portion of the build time in the country. 2. Ask your architect to show you projects he has designed before you choose to use ... http://www.propertyguidespain.com/the-toolbox-tips-for-building-your-own-property.html Calculating the tax The profit on a property transaction is the difference between the purchase value and the sale value. Purchase value Is assessed by totaling the purchase price plus the amount of expenses and taxes paid when you originally purchased the property. Typically this figure is established by taking the price on ... http://www.propertyguidespain.com/the-spanish-system-of-capital-gains-tax-2.html We suggest that you make an appointment to speak with a fiscal advisor who will provide you with a study based on your personal requirements. ##How companies were used in the past to avoid Spanish tax Until recently buying property using a company used to be an effective way of avoiding tax. ... http://www.propertyguidespain.com/using-a-company-to-buy-property-in-spain.html