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spanish-legal-advice-solicitors

fincas for sale in murcia

What happens once I have signed at the Notario?

Once the property has been registered in your name and you have the Title Deeds, they are taken to the Property Registry for formal inclusion.

Whose names should I include on the Title Deeds?

It is important to to consider which names fincas for sale in murcia are to be included on the Title Deeds, whether it is in both names, or a sole name, or indeed in the names of children over the age of 18.

What are my options in financing my property in Spain?

Many people raise finance through through increasing their existing mortgage on their UK property to utilise fincas for sale in murcia the gains made in recent years.

However, there are other options open to anyone wishing to finance their second home in Spain

Initial Costs

As well as the cost of the property, the buyer will be liable for for transfer tax (IVA) fincas for sale in murcia , 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 change the new deeds into your name.

This is usually around 300€.

There will also be notary notary charges for copies of fincas for sale in murcia 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 the case that the buyer also pays the sellers fees.

Check this at the point of enquiry enquiry and it is often possible to negotiate.

Banks may also charge an opening commission for mortgage loans.

fincas for sale in murcia

Annual Costs

The local town hall charge IBI which is an annual real estate tax.

The previous owner is obliged to give you copies of previous bills.

Community charges apply when

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properties buying advice in murcia

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