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Spain Travel insurance
the best insurance cover for your needs from one of
the UK's leading direct sell travel insurance providers.
All claims dealt with quickly, fairly and efficiently.
the best insurance cover for your needs from one of
the UK's leading direct sell travel insurance providers.
All claims dealt with quickly, fairly and efficiently.
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Get your business seen contact us and get you advert placed in the sidebar of this Website today
Get your business seen contact us and get you advert placed in the sidebar of this Website today
The Home Page
Visit HP today the ideal home page for you, with links to all your favorite sites.
Visit HP today the ideal home page for you, with links to all your favorite sites.
EU-Properties
Buy or sell your Spanish home without the agents fees. Visit eu-properties.com today and save money or find a bargain property in Spain.
Buy or sell your Spanish home without the agents fees. Visit eu-properties.com today and save money or find a bargain property in Spain.
Swapsey.com
Swap your unused or unwanted items with swapsey.com or if your in Spain visit swapsey.eu
Swap your unused or unwanted items with swapsey.com or if your in Spain visit swapsey.eu
The website For everyone thinking of Relocating or Having a Holiday in Southern Spain
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Buying off plan.
Before you even think of buying off plan you must make sure that the developer or builder has a Bank Guarantee (termination guarantee or insurance policy) to safeguard your money in the case of bancruptcy of the said developer (builder) before the property is completed. If no such document is available do not buy the property.
When you are satisfied that a termination guarantee exists you can then proceed by obtaining the following documentation. House maps, Building Specifations, Price of the property and terms of payment, Inscription details of the builder (developer) You can get these details at Registro Mercantil, (Spanish Company registry) Details of the maintanance of the installations and the instructions of their use. Property discription with details of common areas and services and cost of services.
If completion does not take place on time, all the damages, costs, rental payments suffered could be claimed as a compensation for the delayed completion the building works.
When buying property off plan, that is a property still to be built or which is partly built. Payment is made in instalments .these instalments can vary considerably but usually a 40% deposit and then 60 % on completion. Fixed amount every three to six months is also possible. If a property is already under construction then the developer may ask for a larger deposit, this will depend on the stage of construction.
Most essential
GET A GOOD ENGLISH SPEAKING SPANISH LAWYER
Before you even think of buying off plan you must make sure that the developer or builder has a Bank Guarantee (termination guarantee or insurance policy) to safeguard your money in the case of bancruptcy of the said developer (builder) before the property is completed. If no such document is available do not buy the property.
When you are satisfied that a termination guarantee exists you can then proceed by obtaining the following documentation. House maps, Building Specifations, Price of the property and terms of payment, Inscription details of the builder (developer) You can get these details at Registro Mercantil, (Spanish Company registry) Details of the maintanance of the installations and the instructions of their use. Property discription with details of common areas and services and cost of services.
If completion does not take place on time, all the damages, costs, rental payments suffered could be claimed as a compensation for the delayed completion the building works.
When buying property off plan, that is a property still to be built or which is partly built. Payment is made in instalments .these instalments can vary considerably but usually a 40% deposit and then 60 % on completion. Fixed amount every three to six months is also possible. If a property is already under construction then the developer may ask for a larger deposit, this will depend on the stage of construction.
Most essential
GET A GOOD ENGLISH SPEAKING SPANISH LAWYER
The reservation contract
The reservation contract takes the property off the market for a period of time.
A minimum of 4 weeks. This is the amount of time that would be needed for your lawyer to make all the necessary checks on the property before you sign or make any other payment.
The reservation fee is usually 2,500 to 7,000 euros.
It is very important for your Spanish lawyer to inspect this contract, because if you do not proceed because of a legal problem you should entitled to the return of your deposit, but if you don’t proceed because you have changed your mind you will lose the deposit that you paid.
If you are not satisfied
You should refuse to purchase the property if you aren’t completely satisfied with everything, as it’s difficult or impossible to change anything after you have signed.
Another thing you must be aware of when buying a new property here in spain, is that newly built properties don't usually have a kitchen fitted. This is left for you to decide about the style and cost. As you know, a new kitchen can be expensive. So if you are thinking of buying a new property find out if a kitchen is included in the price. If not budget accordingly. If you have found your dream home, but need a kitchen fitted. Please go to our contact page <http://www.ruralspain.info/contactus.htm>. Email us with your requirements and we may be able to help find that new kitchen for you, and have it fitted at an affordable price. At this moment we only deal with the Costa Tropical reigon. but we are hoping to have links to tradesmen in other reigons soon.
Other trades we can supply are: Plumbers, Electricians, Builders, Mechanics, Carpenters and we can even have a website built for you.
If you are in need of any of the above trades, please contact us
For some extra information on problems and what you should be aware of when buying property in Spain see below.
The reservation contract takes the property off the market for a period of time.
A minimum of 4 weeks. This is the amount of time that would be needed for your lawyer to make all the necessary checks on the property before you sign or make any other payment.
The reservation fee is usually 2,500 to 7,000 euros.
It is very important for your Spanish lawyer to inspect this contract, because if you do not proceed because of a legal problem you should entitled to the return of your deposit, but if you don’t proceed because you have changed your mind you will lose the deposit that you paid.
If you are not satisfied
You should refuse to purchase the property if you aren’t completely satisfied with everything, as it’s difficult or impossible to change anything after you have signed.
Another thing you must be aware of when buying a new property here in spain, is that newly built properties don't usually have a kitchen fitted. This is left for you to decide about the style and cost. As you know, a new kitchen can be expensive. So if you are thinking of buying a new property find out if a kitchen is included in the price. If not budget accordingly. If you have found your dream home, but need a kitchen fitted. Please go to our contact page <http://www.ruralspain.info/contactus.htm>. Email us with your requirements and we may be able to help find that new kitchen for you, and have it fitted at an affordable price. At this moment we only deal with the Costa Tropical reigon. but we are hoping to have links to tradesmen in other reigons soon.
Other trades we can supply are: Plumbers, Electricians, Builders, Mechanics, Carpenters and we can even have a website built for you.
If you are in need of any of the above trades, please contact us
For some extra information on problems and what you should be aware of when buying property in Spain see below.
The price of property here in Spain does not have any regulation other than the fact that the seller decides the price. As a consequence property can be severely over priced. To guard yourself from paying more than you should, look at similar properties and compare the prices. Don’t be afraid to haggle it could save you thousands. Always start with a low offer and work up. Are you thinking of buying a plot to build on? Take care when doing this because the law changes depending on the area. In some areas you will need a minimum of 5000 sq m in others it can be 10,000 or even 20,000 sq m before you can get planning; this in its self is not guaranteed to get you planning. If in doubt, ask an English speaking Spanish solicitor or at the town hall. An architect is also a good source of information. Unscrupulous estate agents (there are a few) will tell you anything to make a sale, so don’t take their word for it. Don’t listen if you are told you can build a small building on any plot that exceeds the sq m for building, without permission. This used to be a way around the planning laws here. A few years ago you could build a shed on a plot that exceeded the sq m for that area. Then apply for permission to extend and then after some time, do the same again until your building was the size you needed. Others may tell you that you can build what you like and if you get a visit from the Guardia you will only have to pay a small fine. This not true. If you are caught building anything without permission it will be demolished.
Always check that the property you are interested in buying is owned by the person selling. This sounds an obvious question; it is surprising how many don’t ask it. I say this because it is not unusual here in Spain that one or more rooms in a house can be owned by different people. Something you don’t need, after you have bought your dream home in the Sun, and settled in, is a knock at your front door and a person telling you that they have come to claim their old room, that their father had given them some years back. If you use a good solicitor you should not have this problem. I have not heard of searches on property here, something that happens every time you buy in the U.K. So always ask the near neighbours about any plans they might know about, new buildings that are going to be built in the close proximity. If necessary pay an interpreter to ask for you. It could be the best 30 euros you spend. Buying Property here can be a mine field. So long as you check and double check all should be well.
Always check that the property you are interested in buying is owned by the person selling. This sounds an obvious question; it is surprising how many don’t ask it. I say this because it is not unusual here in Spain that one or more rooms in a house can be owned by different people. Something you don’t need, after you have bought your dream home in the Sun, and settled in, is a knock at your front door and a person telling you that they have come to claim their old room, that their father had given them some years back. If you use a good solicitor you should not have this problem. I have not heard of searches on property here, something that happens every time you buy in the U.K. So always ask the near neighbours about any plans they might know about, new buildings that are going to be built in the close proximity. If necessary pay an interpreter to ask for you. It could be the best 30 euros you spend. Buying Property here can be a mine field. So long as you check and double check all should be well.
