🏠 2025 Housing Aid in Spain – What You Need to Know (From Your Real Estate Agent) As a real estate agent committed to helping you find the best path to your new home, I want to share the key housing subsidies available in 2025 for buying, renting, and renovating properties in Spain. Below, you’ll […]
In the real estate sector, it is widely recognised that the tax burden has a significant impact on the final price of a property. Various studies have indicated that taxes can represent up to 25% of the total cost of a property, which is a determining factor in the accessibility and affordability of the real […]
Buying a home is one of the most important financial decisions in anyone’s life. One of the first questions that arises when starting this process is: ‘What mortgage can I afford? Answering this question is fundamental to avoid an excessive financial burden and to ensure long-term financial stability. From our team of mortgage advisors, we […]
Closing the Deal Once you have selected your future home, the closing process involves the signing of several contracts as it progresses: -Earnest money contract: This act represents the reservation of the home and requires a down payment. Failure to comply carries penalties for both parties and establishes deadlines and forms of payment to complete […]
Is the housing price overvalued in Europe? The technical services of the European Commission have just provided the answer in their recent report, and it’s clear: yes, it is. This applies not only to Spain but to two-thirds of the countries in the European Union, where prices don’t align with income levels. However, there are […]
I am pleased to inform you about recent news that positively affects foreigners investing in property in Spain. The Directorate General of Taxes has reconsidered its position with regard to wealth and wealth taxes for non-residents who have investments in the Spanish property market, either directly (through the purchase of assets) or indirectly (through shareholdings […]
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 […]
Steps to be followed by foreigners to purchase a property in Spain Foreign citizens must follow a series of steps to complete the process of buying a property in Spain, from hiring an expert to obtaining a Foreigner Identification Number (NIE) and opening a bank account in Spanish territory. Engage a professional to provide assistance […]
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 […]
