In het aanbod zitten appartementen, bungalows, schakelwoningen, villa´s, luxe villa´s, finca´s, percelen, commerciële gebouwen en opbergruimtes zowel nieuw (van plan of sleutelklaar) en gebruikt.
In het gebied Costa Blanca en Costa Calida wat zich uitstrekt van Alicante tot Cartagena, waaronder de populaire plaatsen Orihuela Costa, Cabo Roig, Campoamor, Villamartin, Los Dolses, Playa Flamenca, Punta Prima, Mil Palmeras, Torre de la Horadada, Pilar de la Horadada, San Pedro, Pinar de Campoverde, Mar Menor, Torrevieja, Ciudad Quesada, Rojales, Benijofar, Algorfa, Guardamar, La Marina en Gran Alacant
Julia, la fundadora, es una persona muy entusiasta y tiene mucha experiencia en atención al cliente. Trabajó durante 27 años en Bélgica como gestora de cuentas para grandes empresas, y desde que llegó a España hace unos años, ha trabajado en el sector inmobiliario en la región de la Costa Blanca Sur, estableciendo una muy buena reputación y relaciones con empresas constructoras, bufetes de abogados, empleados y los propios clientes de la región.
We have prepared this information to answer some of the basic questions that arise when you first think about investing in property in Spain. It is correct at the time of writing, but Spanish and European legislation is constantly changing.
Before investing in property, you need to decide what you want your property to offer: vacation or permanent housing?
What to consider:
Establish a budget based on the available capital and the mortgage you can afford or obtain, taking into account that you will have to reserve an amount for purchase expenses. We'll help you calculate these costs later in the guide.
Budget your operating costs and then buy only properties you can easily afford to maintain.
Once you have identified the property you want to purchase, you can make an offer to purchase. With this proposal you must take into account the price and payment dates.
Minimum requirements for your accommodation, type of accommodation, proximity to services. If it's just a vacation, how close to the beach do you want to be? What are your family's needs? Do you want a quiet resort or one with lots of family activities? Do you want to generate rental income from your investment to cover operating expenses? Some properties are easier to rent than others. If you come to live in Spain permanently, have you ever been in winter? Also consider purchasing a land and building the villa according to your wishes, we can help you throughout the process. (Ask about our Construction Guide)
Always keep in mind that if you make an offer below the asking price, the property will remain for sale and available until the seller has accepted this offer in writing.
Once the offer is accepted in writing, you should be able to pay the deposit of up to 10% as soon as possible, as a booking contract will be drawn up at this stage which legally binds both parties to the transaction.
These are just some of the points that you should take into account, Julia and/or your lawyer can discuss and advise on all matters related to choosing a home.
Now that you know what type of property you want and how much you have to spend, what is the legal process in Spain when buying?
In all real estate transactions in Spain, it is very important to ensure that you not only have clear title to the land (i.e. you own the land and therefore the everything it says), but also that there are no mortgages or outstanding debts on the property that you can inherit when purchasing the land or property.
The sale and purchase of all real estate in Spain must be registered in the Property Registry. They maintain details of the property and record financial charges and other matters that may affect the title. We recommend that you seek legal advice from one of the local multilingual lawyers, as the ownership and outstanding debts of the property must be thoroughly verified.
The next step would be to manage a NIF/NIE number to present to the notary before buying and also having to pay taxes. To do this you will need your passport and a photocopy and a completed application form that you must personally take to the National Police for processing. This is also simplified by your lawyer.
A purchase contract is drafted privately containing the conditions of the purchase, the down payment (in most cases up to 10% of the purchase price), the delivery date, and the inventory if the purchase includes furniture. We recommend that you do not sign this until your attorney has fully explained the consequences of this contract to you.
If you want to process a mortgage, keep in mind that you will need to give the bank approximately 1 month to process the loan approval and property valuation before signing the mortgage. For more information on interest rates and calculating monthly payments, please contact us and we can provide you with complete guidance.
Close to the completion date, your solicitor should contact all relevant authorities to ensure there are no outstanding bills, this includes electricity and water rates as well as Council rates.
Now the signing of the Deed. On the completion date (or sooner if both parties agree), the seller and the buyer or their authorized representatives will appear before the notary, an independent government official who certifies legal documents. The notary does not act on behalf of any of the parties and does not replace their lawyer, he only witnesses the signing of the Deed. At this time the balance of the purchase amount is paid to the seller. If you have decided to take out a mortgage, it will also be signed before a notary at this time. Then he will be the proud owner of a house in Spain and you will receive the keys to the new property from him.
Your solicitor will now need to register all services (water, electricity and council rates) in their name and complete all necessary bank authorizations for direct debits. He will also prepare to pay all applicable taxes and fees to cover the signing of the purchase, including notary fees, property registration fees, and purchase taxes. (which will be explained in detail later in this guide) We recommend that you take out appropriate construction insurance after purchasing the property (get a quote from Fiesta Properties) and draw up a will in Spanish. Consider hiring your attorney, as writing a will can save your family an enormous amount of grief and will not take much time. As with an English will, use a lawyer to prepare it. By discussing with a Spanish lawyer exactly what you want to happen to his property after his death, he will be able to pay close attention to your wishes and advise you. on how to express the will to carry out his true intentions according to Spanish law. As with most legal documents in Spain, his will will be signed before a notary.
Energy Performance Certificates (EPC) or as they are correctly called, Energy Performance Certificate (EEC), are documents that show how energy efficient your home is shown as a rating from A to G. Just like the stickers you see For appliances such as refrigerators, freezers, washing machines or air conditioning units, the energy efficiency certificate in Spain grants the property a standard energy efficiency and carbon emissions class from 'A' to 'G', with 'A' being the most efficient and 'G' the least efficient.
Any property for sale or long-term rental must have an Energy Efficiency Certificate in Spain. This does not apply to homes that are currently rented long term. These only require an Energy Efficiency Certificate when entering into a new rental contract.
If you have a long-term tenant, you do not need an Energy Efficiency Certificate in Spain. If your home was built after October 2007, you may already have the Spanish Energy Efficiency Certificate. To check this, consult your plans with the architect and contact him. Likewise, if you only rent your property on a short-term basis, such as holiday lets, you may not need an EPC in Spain. Please contact us for more information.
No, you are legally obliged to present your energy efficiency certificate in Spain when your home is for sale or long-term rental. When you sell your house, the notary will need the original EPC and when you rent your house in Spain, the tenant must receive a copy of your Energy Efficiency Certificate in Spain.
The law was formalized on April 5, 2013 and will come into force on June 1, 2013. This applies to properties that are currently offered for sale or new rental and to properties that are new to the market. Whether your property is for sale or rent, you must have a Spanish Energy Performance Certificate before your property can be advertised. This does not apply to current long-term rentals. If you already have a long-term tenant in your home, you will not need the EPC in Spain until you have a new rental contract.
Only certified and registered experts can issue the energy efficiency certificate in Spain. This includes architects, technical architects and some engineers.
You will need to contact a registered appraiser who can help you obtain your energy efficiency certificate in Spain. We have registered experts and we can issue the EPC in Spain
Costs depend on the size of your property, so contact a registered valuer for more information. We believe that our prices are currently the best on the market. If you find a company that beats our prices, please let us know so we can try to at least match them. Payment is due after the Energy Certificate is issued. You do not have to pay in advance for your Energy Efficiency Certificate in Spain.
Ultimately, the owner of the home here in Spain will have to pay the energy certificate.
Together with your energy efficiency certificate in Spain you will receive a report with advice on how to improve the energy rating of your property. . The report recommends cost-effective measures that can be taken to improve the property's energy rating. It also contains information about the rating that could be achieved if all recommendations were implemented.
The EPC has its roots in the Kyoto Protocol, a global initiative launched in 1997 to address the issue of greenhouse gases. Since then, the European Union has drawn up the European Directive on the energy efficiency of buildings, which applies to all Member States with a clearly defined timetable of the measures we must introduce. An Energy Performance Certificate (EPC) is a certificate that certifies the energy label of a building. It is part of the "Energy Performance of Buildings Directive" (EPBD).
A registered energy expert will visit your home and take measurements and records of things like your air conditioning, hot water system, type of windows, type of insulation, type of construction, etc. The measured values are then entered online into one of the government-approved programs that will generate the rating for your property based on energy efficiency and environmental impact. The programs used are the same for all homes, so a potential buyer or renter can see the expected energy costs for each home viewed. Your energy efficiency certificate in Spain will be registered with the Cadastre reference of your property.
Yes, you will generally need an EPC in Spain even if you are only renting your property for holidays, although there are exceptions.
You or your agent must have a Spanish energy certificate for your property for long-term rental or sale. A real estate agent is not legally allowed to offer your home for long-term rental or sale without a certificate.
No, you need an energy efficiency certificate in Spain to be able to advertise your property for sale or rent.
The Energy Efficiency Certificate in Spain is valid for 10 years.
You can revalue your property at any time during the period that your EPC is valid in Spain.
If you have a long-term tenant, you do not need an EPC in Spain. However, when you issue a new tenancy agreement, you will need the incoming tenant's EPC.
The government has said it will fine people who have a property for sale or rent that does not have an “EPC”.
You can instruct us to sell your property knowing that we can ensure your EPC is delivered quickly, efficiently and at a competitive cost from an accredited EPC provider in Spain.
- ABOGADO: Lawyer
- AGENCIA INMOBILIARIA: Realtor
- AJD: Stamp duty
- COMPRDOR: Person who buys a property
- CONTRATO PRIVADO: Private contract
- ESCRITURA: Deeds of real estate.
- GESA: Electricity supplier
- IBI: Property tax of the municipality
- NIE: Personal tax number for foreigners
- NOTA REGISTRAL: Extract of property register
- PODER: Power of attorney
- PLUSVALIA: Tax on the increase in value of the land
- REGISTRO DE LA PROPIEDAD: Land Registry.
- TELEFÓNICA: Supplier of landline telephones.
- SELLER: Person who sells a property
RAICV2277
(+32) 456 36 39 08
julia@me-timeproperties.com
