By Colin Barrow
Paying for a estate in a foreign country is without doubt one of the largest judgements you are going to ever make. yet don't fret – your Spanish dream need not turn into a nightmare. From discovering an property agent and arranging a loan to negotiating the simplest fee and relocating in, this ebook is choked with useful suggestion on each element of the Spanish estate marketplace. It leads you correctly and easily throughout the criminal, logistical, and fiscal minefields, aiding you maximise it slow and your cash to take pleasure in a straight forward estate buy.
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Extra info for Buying a Property in Spain For DummiesÂ® (For Dummies)
5 per cent of legal fees by doing the contracting themselves. You won’t know how straightforward the transaction really is until you come to sell the property. Only at that stage do the real problems, such as the ways in to and out of the property, and title, boundaries, and access, show up. Take special care if you are buying a property from someone with several adjoining properties to sell, as they have no interest in paying legal fees to put these matters in good order. ߜ Taking care with your deposit.
In this chapter I introduce you to your Spanish property team. Working Out Your Starting Line-Up Because everything about buying a property in Spain is likely to be different from any other property-buying transactions you’ve gone through – from the law to the language – think carefully before trying to carry out all of the transaction yourself, as you may have done in the UK. Sure, you can run the show as if you are working for MI6 and keep everything to yourself. The logic goes like this: ߜ The more people who know about what you’re doing, the more potential competitors you have for any given property.
The building land value is subject to 16 per cent impuesto sobre el valor añadido (IVA), as VAT is known in Spain. For agricultural land, the IVA rate is 7 per cent. 5 per cent. This tax also applies to fixtures such as garages and swimming pools if included in the sale. 5 per cent of the declared value. ߜ Resale property: Properties being sold by a private owner who has used the property before. • If you buy a used property from a private seller, you pay impuesto de transmisiónes patrimoniales (ITP), or transfer tax on private assets, rather than the IVA that you would have paid to a developer for a new property.