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Description: legal advice on line
Category: lawyers legal advice in properties in spain
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Spanish solicitors in alicante :
spanish-legal-advice-solicitors
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Initial Costs
As well as the cost of the property, the buyer will be liable for transfer tax (IVA) , which at present is 6% on a second-hand property and 7% on a new one, plus 1/2% stamp duty.
The property registration office will charge you a fee to to change alicante golf the new deeds into your name.
This is usually around 300€.
There will also be notary charges for copies of the 'escritura publica'.
The charge is on a scale depending on the contract price.
In total you should allow 10% of the purchase price for costs.
It is often often alicante golf the case that the buyer also pays the sellers fees.
Check this at the point of enquiry and it is often possible to negotiate.
Banks may also charge an opening commission for mortgage loans.
Annual Costs
The local town hall charge IBI which is an annual real estate estate tax.
alicante golf The previous owner is obliged to give you copies of previous bills.
Community charges apply when you buy a property on a community development.
These cover things like maintenance, swimming pools, gardens etc.
You will also be liable for a wealth tax, payable annually and based on the value value of alicante golf the property and a property owners income tax based on your income from the property.
You should clarify these in detail with your estate agent at point of enquiry.
Finance See our mortgages section here
Many developers of new properties are now offering up to 80% over 20 20 years for non-residents.
Local banks will offer anything up to 60% for European residents.
Most loans alicante golf are long-term and secured on the property.
When seeking a loan, make sure you are aware of the interest rates and if they are fixed or floating.
Banks will ask for passports, residence
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