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Last November, the Council of Ministers approved a Royal Decree-Law that amends the calculation of the municipal capital gains tax to bring it into line with the Constitutional Court ruling that declared the tax illegal on 26 October. The regulation adjusts the tax to the ups and downs of the real estate market, so that...
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The Spanish government has approved the new Housing Law, which aims to reinforce the concept of decent and adequate housing set out in article 47 of the Spanish Constitution. The new law indicates, fixes and defines what is meant by decent and adequate housing. “Dignified housing is that which is habitable, accessible, energy efficient and...
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If you are going to buy a property and want to save yourself future problems, it is advisable to seek advice from a real estate lawyer in Spain. The savings far outweigh the cost of legal fees. Buying a property is usually the biggest investment for most people. Even those who own several properties tend...
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As we saw in our previous article, mortgages never cover more than 80% of the purchase price. This means that you need to have at least 20% of the property price available, plus about 15% on top of the cost of the property to pay for taxes, lawyers’ fees, notary fees, etc… Taxes and expenses...
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Once the reservation contract has been signed, it is then up to the buyer to arrange a mortgage, if necessary, although they should have already discussed their needs with the mortgage provider beforehand. Mortgages in Spain After the financial crisis of 2008, Spanish banks have been heavily restructured, with significant international involvement of the EU...
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This article is a summary of some legal aspects to take into account during the purchase process. Responsibilities It is your responsibility as a buyer to pay all costs and taxes associated with the purchase of a property. If you have chosen to use the services of a lawyer, he or she will be able...
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Once you have found a property of your choice and checked that all the information is correct, the actual buying process begins. In this article we list the normal steps in the buying process. Making an offer Initially, you must make an offer on the property, usually through the seller’s real estate agent. As in...
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In this article we explain the basic things to consider in order to avoid problems when buying a house in Spain. Once you have found a property you like, it is best to visit it in person to make sure it meets your needs and expectations. During an initial viewing, you may notice some obvious...
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Firstly, you need to decide what type of house you want – are you looking for a flat with sea views, a historic property in a local town or a rural finca set in its own grounds? Making a list of all your requirements and dividing them into “must haves” and “would be nice to...
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If you want to buy a house in Spain as a foreigner, you will have to sort out some bureaucracy before you can buy a property. This series of articles is a guide to help those looking for a property in the coast of Spain or in a big city such as Madrid or Barcelona....
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