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Do I need a lawyer to buy in Spain
100% Yes. When you are doing
business in a foreign country and trying to understand a
different language, then it's vital to employ a reputable
lawyer Quesada life recommends Vivian Van Son not only have
we used them ourselves but so have many of our friends.
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Nowadays you can get a 95% mortgage, but it's best to look at putting down 20-30% subject to age, 25 year terms are acceptable, all you need is to show your ability to repay. Income tax return P60 Proof of earnings last 3 pay slips Copy of passport If self-employed a copy of accounts.
Shop around for the best rate,
ask your agent and then the banks remember there is
commission to be paid out on your mortgage. You pay for this
so there is room for negotiation.
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This is your identification
number. To buy a house or car or get work you must have one,
look at it as the same as a National Insurance Number.
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The best way is to pay a lawyer about 100 Euros then they will take you to Alicante at about 8:30 in the morning. Some one will have arrived at 5 o'clock and reserved you a place in the long queue outside the N.I.E. office, then you go in at 9 o'clock get your number and get taken home by the lawyer.
Of course if you like getting up early, understand Spanish and
know where the N.I.E. office is then you could do it
yourself.
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Money wise it will cost you
about 1000Euros to pay an agent to do the paper work for you,
remember things like the lights have to be changed so this
should all be in the price. Your U.K. car can be used until
the M.O.T. and Tax run out after this time don't drive it.
Even if you have I.T.V. (Spanish M.O.T.) paid the (suma)
Spanish road have tax and insurance. If stopped by the
police they will fine you and could take the car. If you
live in Spain ship it back to England and buy Spanish.
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Property Title deeds and register (Escritura)
As it suggests by its name this
is the document that shows who owns the property, it will
include plans and sizes of the land and the price it has
been sold for in the past. Don't buy without one and study
it well before you sign.
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Its like being on the electoral
roll in the U.K. Once registered the government can
calculate what funds are needed for things like doctors and
waste disposal. If you live is Spain for more than 6 months
you do need to register. Its not hard, you need proof of
where you live a escritura or rental documents a bill and
passport down to the town hall and it free.
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Most house prices quoted by the agent will include the agents fee, this will be anything from 3-20%. You then must pay the tax man I.V.A. 7%. Legal fees about 2000Euros. Mortgage set up a % of money loaned. Example 200,000 Villa including agents fee 14,000 Tax 2200 legal includes Notary fees, Land registry Search and Registration fee, Legal Conveyance fee, change over of power supplies, Translations. 1000-5000 mortgage set up
TOTAL: 217,200 to 221,200 Euros
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This is a simple fact. Find the
home you want, agree a price with the seller, give a deposit
to your lawyer sign a contract and wait for the exchange of
contract day to come. You, the Seller and lawyer go to the
notary, sign more forms. You give them the balance of money,
they give you the deeds (Escritura) and keys. You now own a
house. If you are getting a mortgage then someone from the
bank will also be present to give the mortgage money.
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As Spain's tourist industry is still growing there is much to do in its commercial development and consumer industries. So it can be said that there are good opportunities for setting up or buying a business not only because Spain being a relatively new member in the EU is still benefiting from the extra cash from Brussels and also from a booming economy. of course as for the new start of any business you should carefully consider the type and set it up in an area in which you already have knowledge and expertise. After the consideration of the market place and the final decision about what market to do for, you should make sure that you have proper financial backing, to avoid any type of unexpected surprises. AUTONOMO- self employed Depending on what type of business you intend to set up the paperwork and formalities required, do vary. If is your wish to set up a professional practice i.e. medicine, dentistry, architecture, etc. The originals of all your titles and degrees should also come from an EU recognised body. Any business, no matter if a professional practice or a bar will need a business licence (IMPUESTO DE ACTIVIDADES ECONOMICAS) The registration with the Social Security as self employed person will be needed. The feels of self employed workers will depend on sex and age. The social Security entitles you to state medical treatment and a pension after 15 years. As with the above mentioned, your passport plus photocopy and money four your state papers will also be required.
Your future place of work,
office, segury etc. will need a municipal opening licence (LICENCIA
DE APERTURA).
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It’s best to use a good agent,
its there job and most are very professional. But if you
know your way around the system you could save a lot of
money by selling your property yourself, Quesada life can
help with the advertising at a very good rate. I bought my
own home from a local Estate Agent and found them to be very
profesional and I was more than happy to pay them the 3%
commission they charged, for me it was good value for money.
The forum will help sellers and buyers if you have any
questions.
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Annual running costs - non - resident Wealth and Income Tax are payable once a year and are calculated as a percentage of the property value. Wealth Tax = 0.2% of property value. Income Tax = 0.5% of ratable property value. Local rates are payable between August and October £30-£150 per year. Fiscal fees are payable yearly at £75. Community (Urbanization fee) is usually paid in one or two payments per year £250-£350. Electricity bills come every two months and the minimum charge is around £10.
House Insurance is due once a
year depending on the date of your purchase contract. The
cost depends on size and value of the property - say £300.
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Solbank is good it's big, friendly and never to busy and all the staff speak English, also you can bank online. They offer Pound account and know how to deal with the English.
You need N.I.E. number passport
and a few Euros.
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It's a must, the law is different in Spain so again just go to your lawyer sit down for 30 minutes pay some money and your loved ones are covered.
NEW VEGABUS ROUTES & BUS STOPS
Torrevieja is in truth the name for an old tower (Torre Vieja) which is located some where in the area. It is most famous for being a seaside town, with all the attractions that go with it. A fantastic seaside walk will take you from the harbour to the end of town towards La Mata to the north, many outdoor bars and cafes fill the sidewalks, and all offer a very acceptable menu at the right price. What more could be better than to stop for a coffee or midday beer, and look out over the Mediterranean Sea, before setting off again on a leisurely stroll? There are a few sandy areas along the way, which are very busy in the summer. A web cam can be found on click here just out side one of the best bars. If you decide to turn into the town, you will not be disappointed. Great shops and restaurants are everywhere so is the atmosphere of a true Spanish town. In the evening, the whole area comes to life, but not until after 9 o’clock. There are also many clubs and interesting nightspots in the town. Just a mile in land, you will see two large salt lakes, Laguna De Torrevieja and its sister Laguna De La Mata. These lakes, one pink and the other blue are due to the extraction of its salt, and have a very special healthy microclimate. It has been said, that this area is now one of the healthiest places in the world to live in, claims made by no other than the World Health Organization. On the side of the main ring road the N332, one can see 20-meter high salt hills, which, when it is packed in bags and distributed, it goes to the dinner tables of the world. This trade has given the town a livelihood since 1668, and even though one of the lakes has seen better days there is still enough salt to go around for many years to come. Another sideline from the salt came about in its early years of export, when the ships of Spain reached the far corners of the globe where the Spanish men took their culture with them, and exchanged it for that of the peoples they met. One such exchange was the songs and rhythm of the Habanera that is now a part of the Spanish people. Fishing also comes into play in the every day life of the locals, though not a major industry. The daily catch can supply the town’s restaurants, not only feeding the people of the area, but its biggest moneymaker the tourist. If you are a fish lover then you will not be disappointed.
Blue flag beaches are everywhere on the Costa coastline, this mark of high quality is known across Europe, it simply means that its facilities are as good as it gets.
From one end of Guardamar to the other is about 11 km of beach.
Starting from the north end walking south, you will
first come across a large breakwater barrier where you
could see many fishing. It is a great spot to join in
the fun or buy something as fresh as it gets for the
BBQ.
Back on the beach with the sea on your left, you can see the most fantastic sand dunes to the right, a great spot to cook your fish. If you do decide to venture up the dunes, you will find the most wonderful nature reserve with trees and plants of all descriptions. Another great spot for that picnic. The park does lead onto the marina, a haven for the boat lover. In addition, of course you will find a bar or two where you could have a rest. A mile or so further down the sand, you would come across a row of houses on the beach. Some look well kept and lived in, others are falling down. This is due to yet another land law in Spain that states no homes can be on the beach. So if they have not fallen down in the next 8 to 10 years then they will be demolished, what that means also, is that the owners cannot do any repairs on them. After this beauty spot, you come to the town part of the sea front or where the town meets the sea, where there is a lovely promenade with cafes and bars serving Spanish foods of the best standard. If of course you are a true English person on holiday, you will be happy to know that they also do full English breakfasts all day long. In the summer, you would also come across wooden sheds that are built on the sands that are then opened up as bars and only a few feet from the waters edge. Garden furniture is place around for the customers with the necessary umbrellas. What a wonderful spot to chill out. Coming to the far end of your walk, you are back in the sand dunes, this time you can find houses built there that have been turned into shops or small painting studios. One such gallery was opened in December 2002 and is now open to the public every Sunday; all paintings on show are for sale and are painted by students in the classes that are held in the week. If you would like to join in for either oil painting or ceramics then contact Anne 696 876 155 Or Liv 639 810 387
This must be the longest beach in the area and joins at one end to Guardamar, and at the other Torrevieja. This beach can get a little busy in the summer with parking a nightmare, so get there early. If you are a local or intending to become one, then buy a scooter, which would be great fun for short trips and no problem to park. The beach does form part of the small built up area called La Mata, which is full of shops and restaurants; you will also find rental accommodation for your holiday, some on the beachfront.
If you look at the sea front of Torrevieja from the air,
you would see that it is in fact made up of three large
sandy coves, that are only linked to each other by man
made foot paths.
Punta Prima, Playa Flamenca, La Zenia, Cabo Roig Beaches
What you would find at all the beaches on this stretch of the cost line is the same. All are small coves in an urban area, the fine white sand is fantastic and to be honest so are the facilities that are on offer. There are Hotels, shops and even villas for rent. You would find yourself in your own little community with all on offer. These locations cover the area south of Torrevieja over a distance of 5 miles. To reach any of them drive down the N332 with the sea on your left and then take one of the roads to the left marked Playa, (this means beach in Spanish) you would then find a lovely cove. Parking can be a problem in the summer.
This is a very nice place to spend the day doing absolutely nothing. Again, a cove, but its large and the countryside around the beach is very beautiful with wild life and parrots all over the place. A beach bar (shed) in the summer and a few permanent ones for the rest of the season.
I will cover this area even thought it does not come under Costa Blanca, in fact its known as Costa Calida. The Mar Manor is a huge mass of water that is locked in by a small piece of land a few miles out to sea, called the la Manga strip. There is an opening to the sea of a few hundred meters, so the strip becomes a very big sea wall. Inside, the water is dead still and very shallow. The beach is long and sandy but does not have a tide. The place has become famous for the mud that people cover all over themselves for health reasons, and it has been reported to work. Making this area one of the healthiest places in the world to live, with the average age being 10 years longer than anywhere else. The La Manga strip has now been built on from one end to the other. Tall blocks of flats can be seen everywhere, the prices are as high as the buildings, with views to the sea on both sides of. The area is open to all, and again it is a good day out if not just for a look at the jet setters in this area. You could always pop in to the La Manga golf club, famous to all golfers, for the rest of us we have seen it on T.V. a few times hosting sports events for T.V. personalities
Markets. Either you can love them, or you hate them. Sometimes it is necessary to visit them, an experience not to be missed. They can also be exciting and full of atmosphere; fantastic smells come from many mobile food stalls offering delights from many countries. It is good to remember Spain on the Costa’s has become home to many different nationalities from all over the world, and the markets have become a general meeting place for them all. We have spit roast chickens cooked as you wait that you take away in a box for only 5 Euros, some times it comes with a free bottle of wine. Grab one on the way out with a fresh stick of bread and head down to the beach for a quick finger-licking picnic. On the other hand, maybe you fancy some German sausage, or meatballs served with mustard and bread. Then we have the Moroccan flavours, spices and smells from Africa. For the English people there far too manly places offering a breakfast fry up. We have stall after stall selling fresh fruit and vegetables straight from the Spanish countryside. You would also find many stalls selling junk for the tourist. The markets get busy, if its shopping you need go before 10 o’clock and be away within 30 minutes. It is a day out and a meeting place for many. The markets that take place in the streets of the towns and villages are the best, as there are more atmospheres and it is where the Spanish go for their bargains.
THINGS TO SEE AND THINGS TO DO
TERRA MITICA
MUNDOMAR
AQUALANDIA
SAFARI AITANA
SWAN PARK Located just outside Torrevieja off the N332. You will see a great place for the small children and a relaxing environment for parents, where there are interesting things to do in the water and things to see. Once at Swan Park you are in walking distance of the new shopping centre, and all the shops and restaurants that have opened up around it. There is even a casino and a bowling ally. Keep the sea to the back of you and walk over the N332 and you will see it to your right.
CALOSSA If you love the outdoor life, a day out walking up the Callosa Mountains is a must. It is not a hard walk, but it becomes narrow and steep near the top, but as long as you take your time then its safe enough. With many picnic areas on the way which have small tables and chairs where you can take in the world below at you leisure. Located in the village of Callosa you only need to park up and look for one of the many footpaths that lead to the mountains.
LES FONTS DE L’ALGAR This is a fantastic beauty spot where a natural waterfall drops into a large pool where the visitors can have a fantastic swim, thought to have healing powers it can get busy but once again, it is really worth a visit. Head towards the village of Callosa den Sarria and you will pick up the signs.
LA FINCA Located about 15 kilometers inland of the town of Torrevieja and 4 kilometers from the small town of Algorfa. This is a bit of a challenging 18 hole course. Set in a fantastic setting, if you have the time to look up from your ball you can take in the full impact of the surrounding mountains in all their glory. The course itself is a championship course built and designed by Jose Gancedo in 2002, its hilly in places and has a rolling landscape, the wind can effect your game as it blows hard where the course is raised. Par 72, 6032 meters from the yellow and 5411 from the red tee. Green fee is 75 Euros as of 2005
Booking Tel 0034 96 596 70 58 Or
QUESADA Known better as La Marquesa you will find this interesting course set in a valley 18 holes regarded as a White Card, flat with very wide fairways without that many obstacles. A few canals do cross the course that is there to take the water from the surrounding hills but there is enough space to aim for to avoid them. The course was designed by Justo Quesada in the late 80s, and was opened in 1989. Par 72, 5990 meters from the yellow and 5094 from the red tee. Green fee is 55 Euros as of 2005. Its is possible to buy a membership for a short or longer period on this course.
Booking Tel 0034 96 671 42 58 Or Mail golfmarquesa@ctv.es
VILLAMARTIN The oldest and probably the most famous course in the area. It’s a very interesting course but not that difficult, the rolling landscape means a round can offer you many variations ton your game to enjoy. Opened as far back as 1972 by Paul Pulman? Par 72, 6037 meters from the yellow and 5259 from the red tee. Green fee is 55 Euros as of 2005
Booking Tel 0034 96 676 51 70 Or Mail cadimaster@golfvillamartin.com
LAS RAMBLAS Go in land from the beach of Campoamor and you will not only find this fine course but next to it you have the fablus campoamor course, 2 for the price of one. Las Ramblas is regarded as probably the most difficult in the area. Narrow with many trees, some say too many add to that the traps that have been designed to be difficult and you have the makings of a hard day out on the course. The advise from those who have gone before is bring a lot of extra balls you will need them. The rolling landscape makes for easy and enjoyable walking, most though take a buggy as they spend so much time looking for their balls. Opened in 1991 by Jose Gancedo the same as La Finca Par 71, 5679 meters from the yellow and 4761from the red tee. Green fee is 50 Euros (it’s cheaper than the other courses to help pay for the balls)
Booking Tel 0034 96 532 20 11 Or
CAMPOAMOR Campoamor has a lot to offer on and off the course. The fantastic new clubhouse stands like a monument on top of the hill at the centre of the complex. This area has been built with the needs of the golfer in mined from start to finish. From the club house you should take time out to take in the view, 100 meters above sea level you are able to see Santa Pola from the north to La Manga in the south and the mediterranion sea in the middle. The wide fairways and large greens of this course makes it very popular and isn’t regarded as that hard to play, but can hold a few surprises. If you have a handicap of 10 or 28 you will still have a good day out. The area is developing all the time with a new 18 hole course being built and many new apartments in the complex going up all the time, if you are golf mad you don’t have to leave the resort. Designed by Carmelo Garcia and opened in 1989 Par 72, 6056 meters from the yellow and 5094 from the red tee. Green fee is 40 Euros for women and 43 Euros for men. It is possible to buy membership that covers a period of one month to one year, and gives the possibility to play up to 3 times per week.
Booking Tel 0034 96 532 13 66 Or
Come on, live the dream
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The
first cove to the north is the start, or if you like the
end of the promenade that would take you from one end of
town to the other. The beach itself is nice but has
rocky areas that are not kind on the feet. A main road
runs its full length. If you are staying in town it is
walking distance to hotels and apartments, and of
course, all the bars and nightlife you could want.
Depending on the holiday you are looking for, it could
be the best palace to be. Walking on to the promenade
and to the south, you would come to the next beach and
more of the same, only that there is no road and the
walkway has been built with the lot of thought. With
fantastic cafes and a view across the ocean to the ships
and small boats that always seem to be going by, you
would find all of this so relaxing you could not help
but to stop and linger for a while. Shops have been
built along the front and so have the market stalls,
which offer all those items that we feel we must buy on
holiday but never look at again when we get home. After
the beach part of town, you would come to the marina and
more sand, in fact quite a lot of sand. In some parts,
it must be 100 meters to the water. Lots of space to
stretch out, the road still runs along its length but it
is too far away to notice.
