Many dreams of a ticket on the shores of the Mediterranean Sea, while others go further and acquire their housing there. Let's talk about the nuances of the purchase of real estate in Spain.
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Before you get in the hands of the cherished keys to the house / apartment and the documents about the property, buyers will have to go a hard way: choose housing, to solve the financial side of the issue and deal with the design procedure. You should also not forget about taxes and other costs.
What nuances should consider when choosing and buying housing, and what "pitfalls" wait for foreign buyers in the Spanish real estate market, we will tell in our material.
Their morals
Another country is another language, culture and people. As well as incomprehensible legislation and strange (in our opinion) preferences. So before choosing your home or apartment, I will carefully study Spanish morals. It will be best to throw stereotypes from the head and penetrate into local features. In the example, we give the most famous and distributed.
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First and last - to offer!
In Russia, we are accustomed to seeing announcements about buying an apartment not only on specialized sites, but also on the entrances, fences, pillars - wherever you can. And often at the end there is a signature: "The first and last floors - not to offer."For us, this wish is quite obvious. With an apartment on the first floor, you encourage yourself on the roar of access door, urban dust, neighborhood with basement and other "charms". And those who live on the last floors risk suffered from the roof of the roof, waiting for the elevator and are complaining about the unbearable heat.
The Spaniards are the opposite. The extreme floors are quite in demand, and some specially hunt for them. What is the case? Apartments on the lower floor are called Bajo and has a personal exit to the courtyard with a garden area and a parking space. They cost about 20% more expensive apartments from the second in the penultimate floors.
A housing owners at the very top - Atico, often have a spacious terrace with a beautiful panoramic view. There you can arrange a barbecue area, put a dining table or hang hammock.
First line
The location on the first line from the sea is considered the most prestigious. But not many personally encountered the problems of this location. In the cities of Spain, the beach is the busiest part. Accordingly, there are a closer crowds of tourists, and at night from bars and a cafe, sleek songs and screams are distributed. It is unlikely if anyone like this neighborhood.
In addition, maintaining order in the dwelling will be quite expensive. The proximity to the sea causes increased humidity, and in the winter "pleases" the penetrating wind. If during the time not to take action, because of all this we get fungus, rust and sand throughout the house.
Good view
Beautiful panorama, opening out of windows, not only gives aesthetic pleasure, but also has its price. So, the real estate with a frontal view of the sea may cost 30% more expensive than the same, but with side view.
And if your windows overlook the deaf wall of the neighboring high-rise building, the price will be almost twice lower than on the opposite side.
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Choice difficulties
About how to choose housing, there are hundreds of instructions and guidelines. Somewhere I advise you to draw up a table with criteria and expose points, somewhere to-commission the visual image and listen to the heart. We will not list all the nuances, but pay attention to the main question - why?
First of all, you should understand what you want to buy accommodation in Spain. Here are the most common options:
- Ride with family on the sea on vacation or vacation
- Move to Spain to permanent residence
- Ensure the housing of the child, who entered the Spanish university
- Make a profitable investment
- Find a quiet apartment / House for parents-pensioners
When you decide to purchase, then the criteria for which it is worth choosing will immediately become obvious. For example, if you are going to relax in Spain for two or three weeks a year, it is worth choosing an apartment within walking distance from the beach. Then you do not have to go to the sea for a long time and spend money on the service of housing.
If you are going to Spain on permanent residence, you will probably want to have a personal space and a green area near the house. There will be a good option to the townhouse or a bungalow with a plot. Moreover, it is desirable in a closed residential complex so that tourists do not disturb you. If you want to make money on these tourists, buy rental accommodation with multiple bedrooms at the same time near the sea and cultural facilities.
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Credit
After the choice is made, some find that it is not enough money to buy it. Fortunately, in the case of Spain, it is not a matter - the banks of the country offer their client a mortgage on loyal conditions. Rates are much lower than in Russia. In addition, the guarantee is not required, and the guarantor of payments is housing itself.Spanish banks when issuing mortgages usually agree to make a client from 50% to 70% of the total cost of the house or apartment. The rate of interest is usually 3% -3.4%, and payments can be stretched for 20 years. Not bad, right?
Purchase process
NIE
The first thing to do any arrival in Spain is needed to get NIE (Número De IdentificAción de Extranjero) is an identification number of a foreigner. This document gives the right to perform any financial transactions in the country. It is not difficult, it is not difficult - you need a copy of the passport, photos 3 for 4 centimeters and certificate of payment of state duty. Wait for about five days.Bank
Calculation with the seller is carried out through a bank that will check the status of real estate (for pledges and unpaid accounts). Here, Russians will be asked to provide a certificate of 2-NDFL for the previous year, and businessmen are to attach the tax return.
Contract of sale
After that, you can sign a sales contract in the presence of a lawyer. When the money will be on the seller's account, its signature besides the buyer must be supplied both by the owner of the real estate and the company-developer.Registration fees
Now you have 30 days to pay tax and registration fees. These include VAT and stamp fee (10.5% - 11.5% of the cost of housing) and other minor costs for paperwork (about 0.2%). After that, in about two months, you can get a certificate of ownership.
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Housing content
When you became a happy owner of housing in the Spanish coast of the Mediterranean Sea, do not hurry to fall into the euphoria and spend the remaining money. You still have to go out. For example, on insurance. In the case of a loan, it is obligatory - housing is protected from natural disasters, domestic fires and accidents on network communications. There is an insurance about 300 euros per year.
At least 1000 euros per year will cost gas, water and electricity. Low less - Internet, television and mobile communications. If you bought a house, be prepared for the cost of maintaining the territory, and these are the services of a gardener, a scavenger and a cleaner of the pool (however, you can do it all with your own hands).
There are other ways to save - for example, install energy saving boilers and air conditioners. And even better, if all household appliances will work on the energy of solar panels located on your roof. With this resource problems just should not be - the benefit of Spain has more than 300 sunny days a year.
The material was prepared with the support of the Spanish Real Estate Agency Estate Spain.