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Legal and Financial Aspects of Ownership
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| Purchasing |
The Process |
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Making An Offer, Reservations, Lawyers, Deposits, Contracts, Off Plan, Re-Sale, Company Properties, Searches, Completion, Registration |
| Expenses |
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VAT, Stamp Duty, Transfer Tax, Value Gain Tax, Overhead Costs |
| Calculations |
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Assumptions, Outlay and Return spreadsheets |
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| Aspects |
Rural Property |
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Guidelines, Inland Properties, Buying Land and Building, Plots,
The Andalucian Land Law |
| Off Plan |
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Off Plan Guidelines |
| Safeguards |
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Building Regulations, Construction Defects, Insurances, Guarantees |
| Renting Out |
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Long-Term Rentals, Short-Term Lets, Contracts, Deposits, Government Agency |
| Ongoing Costs |
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Community of Owners, Local Taxes, Wealth Tax, Property Owners Tax |
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| Money |
Mortgages |
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Loan to Value, Criteria, Interest Rates, Details, The Process, Qualification, Funders, RICS Opinion |
| Currency |
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Exchange Rates, Transfers, Capital Protection, Forward Payments |
| Banks |
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Guidelines |
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| Legalities |
Registration |
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The N I E, The Residencia, The Padron |
| Taxation |
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Income Tax, Pensions, Non-Residency, Capital Gains Tax on Sale |
| Wills |
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Spanish Wills, Tax Planning, Procedures |
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