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How To Buy A Home In Spain
Preface
Hola Y Bienvenido!
Deciding Where To Go
Making A Start
Thinking Ahead
What Property, Which Location?
Finding The Money
Meeting The People Involved
More Money Matters
Understanding Legal Documents
Doing It Yourself
Settling In
Understanding Personal Taxation
Wills And Inheritance Tax
Learning About Culture And Custo
Enjoying A New Lifestyle
Avoiding Failure
Property
How To Buy A Home In Spain
Preface
Hola Y Bienvenido!
A Dream That Can Come True
A Picture Of Spain
Perceptions
Pros And Cons Of Living In Spain
Spain’s New Foreign Residents
Deciding Where To Go
Seasons
Major Coastal Areas
Cosmopolitan Cities
Other Interesting Places
Developing A Hot Coast
Making A Start
Reading Newspapers
Going To Property Exhibitions
Viewing Alternatives
International Company
Estate Agents
Spanish Based Agents – Inmobiliaria
Viewing Over The Web
Understanding Spanish Advertisements
Case Study An Inspection Flight
Thinking Ahead
Learning The Language
Case Study Como Te Llamas?
Take Your Pets Too
Letting The House Back Home
Moving Your Furniture
Organising Your Travel
Annual Running Costs Of A Spanish Home
Opening A Spanish Bank Account
What Property, Which Location?
Property Descriptions
Urbanisations And Communities
Living By The Sea, Inland Or In The Country
Selecting The Right Location
Pros And Cons Of Each House Type
Which Direction?
Agical Housing Ingredients
What Do People Really Buy?
Finding The Money
Mortgages And Loans
Non-Residents’ Certificate
Transferring Money
Spanish Banking
Meeting The People Involved
Builder
Agent
Abogado
Notario
Asesor Fiscal
Gestor
Overlapping Roles
Avoiding Problems
More Money Matters
Property Prices
Paying The Money
Allowing For Additional Buying Costs
Black Money
Minimising The Risk
Who Should Own It?
Understanding Legal Documents
Pre-Purchase Checks
Signing The Contract
Pre-Escritura - For New Properties
Escritura And Beyond
Fast-Track Conveyance
Buying Without An Escritura
Doing It Yourself
Plot Of Land With A Model Property
Renovated Houses
Purchasing Land
Building Licence– New And Renovated Properties
Memoria
Builder
Final Steps
Charges And Building Costs
Settling In
Moving In
Viewing A New Property For The First Time
Equipping A House
Organising Utility Supplies
Cutting Red Tape
Understanding Personal Taxation
Introduction
Principal Facts
Income Tax
Renta
Wealth Tax
Capital Gains Tax
Wills And Inheritance Tax
Making A Will
Inheritance Tax
Legitimate Methods Of Avoiding Spanish Inheritance Tax
Learning About Culture And Customs
A Slower Pace Of Life?
Family Group
Traditional Spain
Eating Out
Looking, Talking And Taking Pride
Three Police Forces
Shopping Experience
Dealing With The Post
Communications
Enjoying A New Lifestyle
Get Out And About
Learn About The Country
Enjoy Sporting Activities
Mixing Socially
Relaxing
Avoiding Failure
A Need To Learn
Case Study Employment
On The Downside
And Finally ...