CONTINUAMOS INFORMANDO EN MI NUEVO BLOG:
jueves, 22 de mayo de 2014
lunes, 19 de mayo de 2014
Legal Costs in a Purchase
As well as the price of the property, there are some
professional expenses and taxes that you will have to pay.
They are:
1. Notary fees:
These don't
have a fixed percentage but vary according to a property price scale. They are
also affected by the number of pages of the document, but are usually between
0.3% and 0.6% of the value of the property.
2. Taxes:
When the
property is new, you will be required to pay 8% V.A.T. and 0.5% of 'Actos juridicos
documentados'. When it is a resale, the tax will be 6%.
3. Registry fees:
These are also
calculated according to a property price scale and the number of pages (not
calculated by percentage), and are usually lower than the notary's fees.
4. Plusvalía :
This is a
local tax calculated on the re-value of the land where the property is located,
the base being the value of the land, the year when the vendor bought the
property and the year of sale. The law states that the vendor has to pay this
tax, but as a common practice, the purchaser pays it together with the other
purchase expenses.
5. Advisor fees:
Fees corresponding
to the professional who will present and collect the 'Escritura' from the Land
Registry Office, and who pays the plusvalía, etc…
Lopez Develop
miércoles, 14 de mayo de 2014
Gastos Legales Compraventa
Hemos de tener claro que además del precio del inmueble, existen varios honorarios profesionales e impuestos que hemos de pagar.
Estos son los siguientes:
1. Honorarios
del Notario:
No tienen un porcentaje fijo, ya que
funcionan por una escala de precios de inmuebles, e influye igualmente el nº de
páginas de dicho documento, aunque suele estar entre el 0,3% y el 0,6% del
valor de la propiedad.
2.
Impuestos:
Cuando la propiedad es nueva,
pagaremos el 8% en concepto de IVA y el 1% de "Actos jurídicos documentados"
.
Cuando la propiedad es una reventa, el
impuesto será del 7%.
3.
Honorarios del Registro:
También se calculan mediante una
escala de precios y en función de su nº de páginas (no por %), y suele ser
inferior a los honorarios del Notario.
4. Plusvalía:
Impuesto local calculado sobre el
incremento del valor del terreno donde se ubica la propiedad que estamos
comprando, tomando como base el valor del suelo en el año en que el vendedor lo
compró y el año en que lo vendió. Según ley corresponde al vendedor, aunque es
costumbre que el Comprador se encargue también de él.
5.
Honorarios de Gestoría:
Honorarios del profesional que se
encargará de presentar y recoger la "Escritura" al Registro de la
propiedad, pagar la Plusvalía, etc...
Lopez develop
viernes, 9 de mayo de 2014
Purchaser's Guide III
WHAT IS THE "TITLE DEEDS"
At the time of the last payment of the private
contract, you will be asked to sign, in front of a Public Notary, the document
that recognises you as owner of the property you have bought. This document is
called the "Escritura Publica de Compraventa" (Public Title deed),
which states full details of the vendor and purchaser, exact description of the
property, its 'linderos' (property boundaries), community fees related to the
urbanisation where the property is located. It also states that the property is
sold 'free of charges' and without any tenants, as well as other relevant
details.
THE LAND REGISTRY OFFICE
Any changes regarding the property are registered on
this document including inheritance, donation, mortgage, debts, etc. For this
reason this document is an up-to-date record regarding the current status of
the property that you are buying. Even though in Spain it is not obligatory to
register with the 'Registro de la Propiedad' (Land Registry Office) it is
highly recommended.
Lopez Develop
Purchaser's Guide II
HOW CAN I RESERVE A PROPERTY
To reserve a property that you wish to buy, it is
necessary to pay a deposit of the total price (between 10% to 20%). The vendor
will then consider the property sold and will take it off the market with the
obligation to respect the agreed price. If the deposit is not paid from the
beginning, there is the risk of loosing the property because the vendor may
sell it to a third party. It is usual, when the deposit is paid, to sign at
this time a private purchase contract or to order the purchase to our
representative (Real Estate advisor ) with a document called "Contrato de
mandato de compra". Both documents define the price, the conditions of
payment, dates and other specifications of the purchase.
THE N.I.E.
These letters stand for 'Numero de Identificación para
Extranjeros' (Foreigner Identity Number). You will obtain this document from
the Ministerio del Interior via the Policía Nacional. You will have to fill in
a form and present it together with your passport. This will take between three
and four weeks to be issued. It is vital to apply for this document from the
beginning because it will be required for all dealings with official entities,
banks, etc.
Lopez Develop
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