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The Rights Group’s Property Guide
Articles: The Rights Group’s Property Guide
Introduction:
Investing in Spain
Whenever you commence an informative article about Spain, there is a tendency in the last couple of years to start with a negative.
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Stage one:
Identifying the right property
The sources of information available to the prospective Spanish property owner are virtually endless.
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Stage two:
What can you afford?
Thousands are leaving their home countries every year. With UK property prices at an all-time high many are considering selling up, buying a home abroad and investing the remaining capital to provide for their retirement years. Equally, many are buying a second home. In both cases there are certain costs that must be taken into consideration in addition to the price of the property.
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Stage three:
Getting the best out of your Euros
When buying any property in the Euro zone, you will ultimately have to convert your hard-earned sterling into Euros to actually pay for your new home.
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Stage four:
Protecting your interests
The Spanish Legal system is far removed from the British one when it comes to buying a property, so when seeking legal advice and deciding who should represent you for your purchase, there are a few key rules that should be observed.
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Stage five:
Checking your property
Once a legal representative is appointed the property you are considering buying should be thoroughly searched by your Spanish lawyer before any contract to purchase is signed.
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Stage six:
Compraventa – the conveyancing process
The first stage in property ownership is the Contrato de Compraventa - the private purchase contract – containing the conditions of the purchase/sale.
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Stage seven:
New and “resale” properties
Buying a new rather than a resale property demands a different conveyance process. While a resale property requires the above background checks, purchasing a new property offers different pitfalls.
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Stage eight:
Completion of purchase/sale
In Spain there exists a system of a public Notaries.
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Stage nine:
Purchase costs and taxes
The buyer is usually responsible for:
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Step ten:
Main annual taxes
A detailed discussion of annual taxes and Inheritance tax planning is outside the scope of this article but for your information the following may be useful:
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Further Links about The Rights Group’s Property Guide
Spain Articles:
The Rights Group’s Property Guide
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