La Junta de AndalucÃa amplÃa en 25 millones de euros los avales hipotecarios para jóvenes de hasta 40 años y anuncia una reducción progresiva del ITP desde 2027. Además, eleva a 200.000 euros el precio máximo de vivienda para beneficiarse de los tipos reducidos y superreducidos
The housing crisis requires solutions. More housing, more available land, less bureaucracy, legal certainty, and policies that make construction and renovation possible. But what Brussels has now put on the table could take us in exactly the opposite direction: towards a situation in which the authorities decide who can buy a home, where they can […]
Buying a home in Spain has become an obstacle course in which the biggest hurdle is not the price of the property itself, but the insatiable greed of the administration. Amidst a tangle of acronyms, fees and taxes, the State — at all three levels: central, regional and local — acts as a silent partner […]
For a British citizen to buy a property in Andalusia, the process has changed slightly since Brexit, as British citizens are now considered third-country nationals (outside the EU). Here are the main steps and requirements in addition to the NIE: 1. Obtaining the NIE (Foreigner’s Identity Number) As you rightly mention, this is the indispensable […]
New Housing Plan 2026-2030: Increased Rental Support, Renovation Incentives, and Stronger Public Housing Protection The Spanish Government has approved the new 2026-2030 State Housing Plan, a strategic roadmap for the coming years aimed at addressing the housing affordability crisis. While its approval comes slightly later than originally planned, the final text incorporates key agreements with […]
The recent ruling by the Court of Justice of the European Union (CJEU) has upended the situation for multi-currency mortgages in Spain. This judicial decision strengthens consumer rights and opens the door for nearly 20,000 affected individuals to annul unfair clauses and recover their money. What happened with multi-currency mortgages in 2026? The European Court […]
The 12-month Euribor has remained at its lowest level since November, standing at a provisional average of 2.22%, which means a slight drop in variable mortgage payments. This scenario of stable interest rates, together with new government subsidies for home purchases coming in 2026, make this year a real opportunity for those who want to […]
Why it is more than advisable to have bank pre-approval before looking at houses, because the house hunting process can be confusing. There is a lot to learn about mortgages, paperwork and viewings, and I am going to tell you what the most important step is: getting bank pre-approval before you start looking at houses, […]
The news has made headlines: the price of Publicly Subsidized Housing (VPO, or Vivienda de Protección Oficial) has reached a new historical maximum, hitting 1,195.7 euros per square meter nationally, according to the latest data from the Ministry of Housing and Urban Agenda (MIVAU) for the third quarter of 2025. While any increase in value […]
The Supreme Court has decided not to generally annul mortgages linked to the IRPH (Housing Loan Reference Index) on the grounds that they are abusive. Instead of a single solution, it has made it clear that it will be up to the courts, on a case-by-case basis, to determine whether or not a clause with […]
