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Making an offer on a house in Spain

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Making an offer on a house in Spain You are about to become the lucky owner of a beautiful Spanish home, but then the doubt strikes. A large part of your savings is  will be invested in real estate. If you have the correct factual information that justifies the purchase, this is a good decision. […]

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National bank holiday Three Kings in Spain

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National bank holiday Three Kings

National bank holiday Three Kings in Spain The children in Spain celebrate on January 5 and 6 Three Kings or Los Reyes Magos, the day that the children are buried under gifts. The Epiphany or Three Wise Men are Melchoir, Caspar and Balthazar. They are the ones who bring Christmas presents for all Spanish children […]

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Buying plots in Spain. How do I do this?

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Buying plots in Spain.

Buying plots in Spain. How do I do this? Remember that the law in Spain, the conventions and business practices, are different to those in Northern Europe. You need to be switched on and you need good independent professional advice. If you do this then you will be perfectly safe. Millions of foreigners live in […]

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What is a NIE Number and when do you need this?

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what is a nie number

What is a NIE Number and when do you need this? N.I.E. is an abbreviation for Número de Identidad de Extranjero, which translates as Identification Number for Foreigners, or Foreigners’ Identification Number if you prefer. The NIE is your all-purpose identification and tax number in Spain. You need it for everything that involves a tramite or official […]

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The Energy Certificate in Spain. When do you need one?

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het energie certificaat in spanje

The Energy Certificate in Spain. The energy bill becomes each year more and more expensive. At European level, they try to get to the energy bill down by promoting an energy friendly policy. In other words:  They want to encourage energy-efficient housing. Following a European directive this legislation is transposed into Spanish domestic legislation and […]

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Starting a Bed and Breakfast in Spain

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starting a bed and breakfast in spain

Starting a Bed and Breakfast in Spain. How does this go? What is a Bed & Breakfast (B & B)? The phenomenon Bed & Breakfast comes from countries such as England and Ireland. Bed & Breakfast is a small form of accommodation for short rental. A B & B is distinguished from other forms of […]

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Spanish mortgage for non residents. Can I have one?

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spanish mortgage for non residents

Spanish mortgage for non residents. Can I have one? Yes, you can! Maximum of 70% loan to value.  The mortgage payments cannot exceed more than 35% of the client´s disposable net income. This is how the affordability is calculated, Interest rates can be obtained from 2.25% reviewed annually according to EURIBOR (Central Bank of Europe […]

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Build your dreamhome in Spain

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bouw je droomhuis in spanje

Build your dreamhome in Spain. Read here what to expect! Sometimes it is very difficult to find the Spanish property that exactly meets all your living requirements. Major renovations are necessary to make you feel eventually at home. If this applies to you, it might be interesting to think about the design of your ideal […]

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