On average, a single-family house generates almost 90% of its energy consumption by installing ten solar panels. Rising energy prices, combined with inflation and rate increases, have led many families to consider installing self-supply systems, such as solar panels, on their homes. Government incentives and regulatory changes have accelerated the energy transition in our country. […]
The Supreme Court recently issued a ruling, confirming the limitation of effects contained in the Constitutional Court ruling number 182/2021 (STC 182/2021). This limitation implies that those who did not claim before 26-10-2021, the date on which the ruling was issued, will not be able to recover the municipal capital gains tax unduly paid due […]
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 […]
For years, the squatting movement, known as “okupa”, has known how to invade houses and take possession of them, taking advantage of the legal loopholes in Spain. The problem of squatting is growing in Spain, which is why the most conservative parties promise to implement express evictions within 24 hours, following the example of other […]
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 […]
Limpiar la casa puede ser una tarea abrumadora, pero es esencial para mantener un hogar saludable y acogedor. En este artículo, te proporcionaré una guía completa sobre cómo limpiar tu casa, desde la limpieza de las habitaciones hasta la eliminación de manchas difíciles.
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.
Spain’s new housing law has been approved after months of disagreement between the government and its parliamentary partners. According to Libre Mercado, the law promoted by Sánchez’s separatist partners includes a series of interventionist measures to limit rental prices, delay evictions and reduce the figure of “large tenant” to those who own only five homes. […]
Opening Fee on Mortgage Loans: Analysis of the CJEU Ruling of March 2023 The origination fee for mortgage loans has been the subject of numerous judgments handed down by the Courts of Justice in recent years. However, different interpretations gave rise to an oscillating jurisprudence, which led to several preliminary rulings being referred to the […]
