For many people, the acquisition of a home represents one of the most crucial goals in their lives. This action provides a significant sense of security. However, it is often necessary to apply for a bank mortgage to carry out this transaction. Although the bank charges interest, it may also have decided that we bear […]
The Court of Justice of the European Union (CJEU) could annul approximately one million mortgages referenced to the IRPH index, which would imply the return of 25,000 million euros. This week is the last chance for more than one million Spanish households seeking to recover the money overcharged by banks for using the IRPH index […]
Subprime mortgages are declining: banks are becoming more cautious and demand from buyers with no savings is disappearing. Today, only 44% of homes are purchased through mortgages, and the average loan-to-value (LTV) ratio has fallen to levels similar to 2019. Mortgages exceeding 80% of the value of the property have reached historic lows. Rising interest […]
The Euribor has experienced an unstoppable rise since January 2022, reaching a rate of 3.647% in March 2023. This rise exceeds previous rises, which represents a burden for variable-rate mortgagors. Since its creation, the Euribor has undergone three periods of rises, the current one being the highest. It is difficult to make forecasts about the […]
Con todo lo que se está hablando sobre la nueva ley aprobada hoy, y resulta que este gobierno, pasa por alto el informe preceptivo del Consejo General del Poder Judicial, en el que se subrayan las competencias autonómicas en materia de vivienda.
Fixed, mixed or variable mortgage: Which is the best option for you? Choosing the right mortgage to buy a house is an important decision. In this article, we will help you choose the best option by comparing between the different types of mortgages: fixed, variable and mixed, so you can see which of all of […]
La reciente modificación en la Ley de Impuestos que incluye nuevos gravámenes para la banca, energéticas y grandes fortunas, ha pasado desapercibida para muchos, pero su impacto en el sector inmobiliario podría ser significativo. Esta modificación en el Impuesto sobre el Patrimonio afecta directamente a los extranjeros no residentes que tengan inmuebles en España.
What are the requirements for registering in a municipality? If you are asking yourself this question, it is important to know that being registered in the place where you reside is essential for carrying out administrative procedures and receiving notifications from the municipality. However, do you know what documents you need to register and what […]
A few days ago a client asked me the following question: I am going to buy a house that is 50 years old and in a regular state, with the purpose of reforming it. The value of the property on the market is lower than the cadastral reference value, for what value do I have […]
The government and the banking sector have reached an agreement on the measures to be adopted to alleviate the mortgage burden of more than one million vulnerable families or those at risk of vulnerability due to the rise in the Euribor, while preserving financial stability, according to the Ministry of Economic Affairs and Digital Transformation. […]
