Buying a Property in Spain FOR DUMmIES ‰ by Colin Barrow Buying a Property in Spain FOR DUMmIES ‰ Buying a Property in Spain FOR DUMmIES ‰ by Colin Barrow Buying a Property in Spain For Dummies® Published by John Wiley & Sons, Ltd The Atrium Southern Gate Chichester West Sussex PO19 8SQ England E-mail (for orders and customer service enquires): cs-books@wiley.co.uk Visit our Home Page on www.wiley.com Copyright © 2007 John Wiley & Sons, Ltd, Chichester, West Sussex, England Published by John Wiley & Sons, Ltd, Chichester, West Sussex All Rights Reserved No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except under the terms of the Copyright, Designs and Patents Act 1988 or under the terms of a licence issued by the Copyright Licensing Agency Ltd, 90 Tottenham Court Road, London, W1T 4LP, UK, without the permission in writing of the Publisher Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Ltd, The Atrium, Southern Gate, Chichester, West Sussex, PO19 8SQ, England, or emailed to permreq@wiley.co.uk, or faxed to (44) 1243 770620 Trademarks: Wiley, the Wiley Publishing logo, For Dummies, the Dummies Man logo, A Reference for the Rest of Us!, The Dummies Way, Dummies Daily, The Fun and Easy Way, Dummies.com and related trade dress are trademarks or registered trademarks of John Wiley & Sons, Inc and/or its affiliates in the United States and other countries, and may not be used without written permission All other trademarks are the property of their respective owners Wiley Publishing, Inc., is not associated with any product or vendor mentioned in this book LIMIT OF LIABILITY/DISCLAIMER OF WARRANTY: THE PUBLISHER, THE AUTHOR, AND ANYONE ELSE INVOLVED IN PREPARING THIS WORK MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE ACCURACY OR COMPLETENESS OF THE 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DISAPPEARED BETWEEN WHEN THIS WORK WAS WRITTEN AND WHEN IT IS READ PLEASE BE ADVISED THAT TRAVEL INFORMATION IS SUBJECT TO CHANGE AT ANY TIME, AND THIS IS ESPECIALLY TRUE OF PRICES WE THEREFORE SUGGEST THAT READERS WRITE OR CALL AHEAD FOR CONFIRMATION WHEN MAKING TRAVEL PLANS THE AUTHOR AND THE PUBLISHER CANNOT BE HELD RESPONSIBLE FOR THE EXPERIENCES OF READERS WHILE TRAVELING For general information on our other products and services, please contact our Customer Care Department within the U.S at 800-762-2974, outside the U.S at 317-572-3993, or fax 317-572-4002 For technical support, please visit www.wiley.com/techsupport Wiley also publishes its books in a variety of electronic formats Some content that appears in print may not be available in electronic books British Library Cataloguing in Publication Data: A catalogue record for this book is available from the British Library ISBN: 978-0-470-51235-7 Printed and bound in Great Britain by TJ International, Padstow, Cornwall 10 About the Author Colin Barrow has an extensive background in European property and works across a diverse range of related industries He has researched most international property markets and has first hand experience of buying, building, developing, and selling over two hundred properties in overseas markets He has written a score of books on property and other wealth creation matters including the bestselling Starting a Business For Dummies Author’s Acknowledgements I would like to thank Jason Dunne, Samantha Clapp, Daniel Mersey, and Steven Edwards for the opportunity to write this book – as well as their help, encouragement, guidance, and sound advice on what to omit as much as what to include They, and everyone else who works behind the scenes at Wiley, have both my gratitude and admiration for their tireless work and for their efforts in making this book possible as well as punctual Outside of the team at Wiley, Colette Holden did the rewriting and development that contributed much to bringing some dry facts to life The technical reviewer kept me up to the mark He has my thanks and ultimately yours too for ensuring the accuracy of the thousands of facts that go to making up and appreciation of this market I would like to thank my sons, Luke and Joshua, for putting up with a version of the Spanish Inquisition when I diverted their various GCSE Spanish course work projects to coincide with my property research interests, and to Luke particularly for his help with the appendix Not withstanding the many people who deserve and have my gratitude, any faults or failings in the text remain mine and mine alone I would certainly appreciate your feedback as you travel the path that I have taken around Spain Any tips, pointers, and advice that can be incorporated into future editions would be a service to future readers [colin_barrow@msn.com] Publisher’s Acknowledgements We’re proud of this book; please send us your comments through our Dummies online registration form located at www.dummies.com/register/ Some of the people who helped bring this book to market include the following: Acquisitions, Editorial, and Media Development Project Editor: Steve Edwards Special Projects Coordinator: Daniel Mersey Commissioning Editor: Samantha Clapp Development Editor: Colette Holden Copy Editor: Christine Lea Proofreader: Mary White Technical Editors: Tom Entwistle, Carol Mann Executive Editor: Jason Dunne Executive Project Editor: Martin Tribe Cover Photos: © Peter Adams Photography/Alamy Cartoons: Ed McLachlan Special Help: Zoë Wykes, Amie Jackowski Tibble Composition Services Project Coordinators: Erin Smith, Jennifer Theriot Layout and Graphics: Claudia Bell, Carl Byers, Stephanie D Jumper, Alicia B South Indexer: Cheryl Duksta Publishing and Editorial for Consumer Dummies Diane Graves Steele, Vice President and Publisher, Consumer Dummies Joyce Pepple, Acquisitions Director, Consumer Dummies Kristin A Cocks, Product Development Director, Consumer Dummies Michael Spring, Vice President and Publisher, Travel Kelly Regan, Editorial Director, Travel Publishing for Technology Dummies Andy Cummings, Vice President and Publisher, Dummies Technology/General User Composition Services Gerry Fahey, Vice President of Production Services Debbie Stailey, Director of Composition Services Contents at a Glance Introduction .1 Part I: Preparing for Your Spanish Buying Adventure Chapter 1: Making the Big Decision Chapter 2: Considering the Cost of Spanish Buying 19 Chapter 3: Assembling Your Team 35 Chapter 4: Finding Your Dream Home 51 Chapter 5: Not Ready to Commit? Finding a Property to Rent 77 Part II: Cruising Around Spain: Choosing Where to Buy 91 Chapter 6: Living La Vida Ciudad: Buying in the Big City 93 Chapter 7: Buying a Place in the Sun: Coastal Living 111 Chapter 8: Buying Inland: A Quiet Country Life 123 Chapter 9: A Home on La Isla Bonita: Life in the Islands 137 Part III: Buying into the Dream .151 Chapter 10: Funding Your Dream Home 153 Chapter 11: Understanding the Art of Price Negotiation 169 Chapter 12: Making Sure You Get What You Think You’re Getting 177 Part IV: Settling into Spanish Life 191 Chapter 13: Permission to Come Abroad 193 Chapter 14: Making Money in Spain 207 Chapter 15: The Nitty-gritty of Life in Spain as an Expat 223 Part V: The Part of Tens 237 Chapter 16: Ten Troublesome Property Issues to Consider 239 Chapter 17: Ten Top Destinations 245 Chapter 18: Ten Reasons to Move to Spain 255 Appendix: Spanish–English Glossary of Property Terms 261 Index 269 Index Independent Schools of the British Isles (Web site), 232 inheritance tax, 198 inland property See country property Inlingua (language-teaching institution), 235 inmobiliaria See estate agent inquilino, 159, 207–217, 265 inspección, 45 INSS (Spanish national health service) card, 224 Institute of Financial Planning, 199 Institute of Linguists, 49 Institute of Translation and Interpreting, 49 insulation, 182 insurance auctions, 72 boundary disputes, 183 car travel, 194 cost calculations, 155–158 estate agents, 42 health care, 225 rental property, 90 typical costs, 23 Intasure Property Insurance (insurance broker), 156 Interagency Network (IN), 39 Interchange (Web site), 205 International Association of Conference Interpreters, 49 International Real Estate Directory, 210 International Real Estate Federation, 210 international real-estate company, 40 International School Review (Web site), 232 International Tax Planning Association, 199 Internet access, 188 business advertising, 219 275 job hunting, 220–221 market research, 69–71 rental advertisements, 210–211 interpreter, 49 introducer, 41 island property See also specific islands options, 138–146 overview, 137–138 types, 146–148 ITP (impuesto de transmisiónes patrimoniales), 31, 265 IVA (impuesto sobre el valor adido), 31, 32, 265 • J• job See work in Spain Jobcentre Plus (Web site), 220 Jobline International (Web site), 220 joint ownership, 201 • K• kitchen, 262 Knight Frank Global House Price Index, 20 • L• La Federación Espola de Empresarios de Camping y Centros de Vacaciones (Web site), 219 La Gomera (island), 144, 148 La Palma (island), 144 La Rioja region, 124, 129 lakeside property, 128 land grabbing, 241 land registry, 244, 262, 266 landlord, 262 LanguageCourse Net (languageteaching institution), 235 Lanzarote (island), 144 276 Buying a Property in Spain For Dummies law community of property owners, 108 death, 227–228 estate agent pitfalls, 41 illegal activities, 175–176, 240 land grabbing, 241 long-term residency issues, 196–202 need for notary, 43 overview, 35 rental resources, 90 road rules, 59–60 Law Society, 240 lawyer auctions, 72 cost-cutting tips, 15 country property purchase, 130 definition, 261 deposits, 24, 241 fees, 44 function, 14, 42, 239–240 island construction, 148 overview, 42 payment terms, 25 selection, 43 typical costs, 22 work permits, 203 leaseback, 160 licencia, 26, 265 life interest, 202 lift, 80, 261 linguist, 14 listening, 172 living space measurement, 180–181 Lloyds TSB (mortgage broker), 163 loan See mortgage log cabin, 65, 128 lunch break, 258 • M• Madrid (city), 98–99, 105, 251–252 magazine, 67–69 maintenance cost, 158 Majorca (island), 140 Man in Seat Sixty-One (Web site), 56 managing agency, 209–210 managing concessions, 172 market research estate agent relationship, 37 Internet resources, 69–71 negotiation, 170–171, 173 networking, 71 print resources, 67–69 search problems, 243 marriage certificate, 262 maximum construction area, 263 medicine, 226, 227 Met Office (Web site), 54 metric converter, 132 metro Barcelona, 96 Bilbao, 98 Madrid, 99 Seville, 101 suburbs, 104 Valencia, 102 Minorca (island), 140–141 mobile home, 65 mortgage bank account, 166–167 B&B property, 213–214 best buys, 164–165 budget strategy, 13 calculations, 154–155 definition, 264 international lenders, 163 overview, 161 potential problems, 165 re-mortgage, 162 retention of UK property, 12–13 Spanish banks, 163–164 typical costs, 23 motorway, 54–55, 59–60 mountain property, 61–62, 125–127 multa, 265 multipropiedad, 161, 265 municipal tax, 32 Murcia region, 124, 252–253 Index • N• Nalón (river), 129 Navia (river), 129 negotiation, 169–176 Nervión (river), 129 networking, 71, 211 new building architect, 28–29 builder selection, 29–30 farm property, 126 island properties, 148 overview, 25 permission, 25, 26–28 plot selection, 25–26 versus resale property, 65–66 taxes, 31 Newcastle Building Society, 163 newspaper, 67–69, 210, 236 Norwich and Peterborough Building Society, 163 nota simple, 244, 265 notario See notary notary definition, 265 fees, 23, 44 function, 14, 43 language competencies, 48 legal requirements, 43 overview, 43–44 potential problems, 239–240 power of attorney, 44–45 search for, 43–44 número de identificación de extranjeros, 166, 194, 265 número de identificación fiscal, 166, 265 • O• occupation date, 172 off-plan purchase, 120–121 offshore limited company, 202 older adult See age 277 online travel agent, 52 orientación, 265 orientation tour, 73 outdoor inspection, 183–186 outright purchase, 159 Owners Direct (Web site), 211 ownership structure, 201–202 • P• parcela See plot, building parking, 60, 184 patrimonio, 33, 198, 266 pension, 200, 205–206, 232–234 Pension Service (Web site), 233 penthouse, 119 perforación, 187 perito See professional permiso de obra, 25, 26–28, 266 permiso de residencia, 266 pharmacy, 226 Pink Lagoon, 128 piscina, 30, 185, 266 Plan General de Ordenación Urbana (PGOU), 26, 266 planning permission, 25, 26–28, 266 planta, 266 plomero, 25 plot, building costs, 30 definition, 26, 266 overview, 25–26 taxes, 32 plumbing, 179–180, 267 plus valia tax, 31–32 poderes, 44–45, 266 police station, 58, 262 Polish cabin, 128 power of attorney, 44–45, 266 precio See property price pregnancy, 226–227 préstamo, 266 presupuesto, 266 prison record, 202 278 Buying a Property in Spain For Dummies privacy, 133 professional See also specific professionals cost-cutting tips, 15 new building, 25 overview, 13 payment terms, 23–25 pitfalls, 14–15 rationale for, 35–36 types, 14 profit and loss estimate, 208, 213–216 promotor, 266 Propertiesabroad.com (international estate agent), 40 property manager, 209–210, 261 sale, 16, 33–34 seizure, 263 transfer tax, 3, 265 property price Andorra region, 247 area research, 21 calculation, 153–158 Canary Islands, 145 city property, 103–105 coastal home, 116–118 country property, 129–131 estimation, 22–25 future, 21–22 illegal activities, 240 influences, 20 island properties, 137, 138, 142, 149 negotiation, 169–176 new building costs, 29–30 rationale for property purchase, 255 return to UK, 229 property purchase popularity, 9, 19 purchasing options, 159–161 rationale, 9–11, 255–260 tax types, 30–32 Property Registry, 164, 262 property rental coastal home, 117 contracts, 86–87 deposit, 87–88 furnished versus unfurnished, 79 income options, 207–217 insurance, 157 long- versus short-term, 77–79 overview, 16–17 payment arrangements, 88–90 property search, 79–86 purchase with occupant, 159 rationale, 77 repair concerns, 88 Spanish terminology, 80 property selection auctions, 72 budget, 74–76 city versus country property, 60–61 exhibitions, 66–67 mountains versus beaches, 61–62 networking, 71 old versus new property, 65–66 popular locations, 245–253 print resources, 67–69 property types, 64–65 weather factors, 62–64 propietario, 266 pueblo blanco, 132 Pyrenees (mountains), 127 • Q• question, 37 quote, 266 • R• rascacielos, 266 reading, 236 recreation Andalusia, 246 Andorra, 246 Atlantic coast, 114 Balearic Islands, 248 Barcelona, 95–96 Bilbao, 97–98 Canary Islands, 143–144, 248 Index Castilla y León, 249 Formentera, 138 Gibraltar, 251 Madrid, 98–99, 251 Majorca, 140 Mediterranean coast, 116 Minorca, 141 mountain villages, 125 Murcia, 252, 253 rationale for property purchase, 256 Seville, 100 Valencia, 101, 253 Zaragoza, 102–103 refurbished home, 266 refuse tax, 33 registered title deed, 242, 264 renovation, 24, 32, 134, 158 Renting Out Your Property For Dummies (Bien and Griswold), 209 renting property See property rental repair, 88, 108–109 reposesión, 267 resale property, 31–32, 64–66, 126 reservation deposit, 24 residence permit, 266 residency applications, 193–195 card, 202 long-term residency issues, 196–202 overview, 193 taxes, 196–202 residential care, 227 restaurant, 214–216 return on investment calculator, 155 RIBA (Royal Institute of British Architects), 29 RICS (Royal Institution of Chartered Surveyors), 47 right of way, 184, 267 Riley Guide (Web site), 220 Rio Oja (river), 129 river property, 129 rollover relief, 33–34 279 roof, 183 Royal Automobile Club of Spain, 58 Royal Bank of Scotland, 163 Royal Institute of British Architects (RIBA), 29 Royal Institution of Chartered Surveyors (RICS), 47 ruins, 128, 134–135 rural property See country property • S• safety beaches, 113 car thefts, 60 emergency numbers, 226 insurance costs, 156, 157 Madrid driving, 99 Saga (insurance broker), 156 sales contract deed, 264 saneamiento, 179–180, 267 scam, 15, 42, 161 Scandinavian cabin, 128 Schofields (insurance broker), 156 search engine, 70 Seat Guru (Web site), 53 security system, 185 Sella (river), 129 septic tank, 185–186 servidumbre de tránsito, 184, 267 Seville, 100–101, 105 shepherd’s hut, 125, 148 shopping, 96, 145 Sierra Nevada (mountains), 127 siesta, 258 signature, 264 Silbo (whistling language), 148 silence, 172–173 simple declaration, 197 skyscraper, 266 Sociedad de Tasación (Spanish company), 20, 47 solar See plot, building Solbank (Spanish bank), 164 280 Buying a Property in Spain For Dummies sole ownership, 201 Sotheby’s International Realty, 40 Spain Accountants (Web site), 199 SpainData (Web site), 231 SpainExpat (Web site), 10 Spanish Chamber of Commerce, 44 Spanish language Balearics, 143, 148 British resources, 234–235 children, 229–230 dentists, 224 glossary, 261–267 immersion learning method, 235–236 job hunting, 220 newspapers, 69 notary search, 43–44 overview, 234 potential problems, 242 rationale for property purchase, 10 rental terms, 80 schools, 235 survey translation, 190 translators, 47–49 Spanish Mountain Properties (agent), 126 Spanish national health service (INSS) card, 224 Spanish Property Alliance, 39 Spanish Property Registry, 86, 108 Spanish Tourist Office (Turespaña), 219 Spanish Treasury, 31 speculation, 20 speed limit, 59 sports, 216, 256 spring season, 63 state education, 230 StepStone (Web site), 220 street, 262 structural inspection, 178–179 studio flat, 264 subasta, 72, 267 suburb, 104 summer, 55, 63, 114 Sunbreak (Web site), 28 survey basic versus full version, 189–190 costs, 46 government requirements, 188 inside inspection, 177–182 outside inspection, 183–186 overview, 177 translation, 190 types, 46 utilities, 186–188 surveyor cost-cutting tips, 15 function, 14 overview, 45 payment terms, 25 selection, 47 typical costs, 23 swimming pool, 30, 185, 266 • T• tapas, 258–259 targeta de crédito, 168, 204 tarjeta comunitaria, 202 tax See also specific types Balearic Islands, 142 B&B property, 213 Canary Islands, 143 declaration form, 197 ID number, 166, 265 long-term residency, 196–202 new building costs, 30 office, 264 overview, 30 property purchase issues, 30–32 property sale, 33–34 rationale for property purchase, 257–258 restaurant/bar business, 215 return to UK, 229 typical costs, 22 year-round charges, 33 Index taxi, 99, 226 Telefónica (Web site), 188 telegraphing money, 204–205 telephone, 49, 90, 188, 243 tenant, 159, 207–217, 265 Tenerife region, 127, 144, 147 termite, 178–179 terrace, 183, 218 Thomson Direct (hotel service), 85 tie-breaker, 200 timeshare, 161, 265 title deed, 31, 243–244, 264 tobacconist, 197 todos los gastos, 32 Top Rural (Web site), 219 tourism accommodations, 84–85 Balearic islands, 142 demand for property, 20 farm property, 127 Ibiza, 139 income options, 127, 129, 133, 207–217 increase in, islands, 137 town, 26, 263, 266 See also specific towns townhouse, 65, 106–107 train travel, 55–58, 96, 98 tram, 98, 102 translator, 47–49, 190, 242 transportation, 52, 104, 225 See also specific types Travelocity (Web site), 52 Turespaña (Spanish Tourist Office), 219 • U• UK Department for Work and Pensions, 232–232 UK Jobcentre Plus (Web site), 18 UK Mortgage Brokers Directory, 162 UK property, 161–163 281 UK residency, 198 under-declaring, 175–176 unfurnished rental property, 79 university, 230, 231 urbanizacióne, 65, 119–120 usufruco, 202 utilities Balearic Islands, 142 Canary Islands, 146 electrical connection certificate, 261 electrical inspection, 179 house-sitting, 81 house-swapping, 83 inspection, 186–188 payment, 90 potential problems, 242 • V• Valencia (city), 101–102, 105, 124, 253 valuation, 46, 163, 189 value-added tax, 31, 32, 265 villa, 65, 147 village house, 132–133 visa, 194–195, 202 • W• water meter, 187 water pressure, 179 water supply inland properties, 124 inspection, 186–187 island properties, 142, 146 potential problems, 244 Waterlow Legal (Web site), 44 wealth tax, 33, 198, 266 weather Balearic Islands, 248 Canary Islands, 249 Castilla y León region, 249 Catalonia region, 250 caves, 135 Gibraltar, 251 282 Buying a Property in Spain For Dummies weather (continued) heating/air-conditioning, 181–182 hilltop villa, 147 mountain properties, 126 overview, 62–64 rationale for property purchase, 259–260 travel to Spain, 54 Valencia, 253 Wemploy Recruitment Specialists (Web site), 221 Western Union (money transfer company), 205 What Price (Web site), 182 whistling language, 148 white village, 132 will, 228 wine, 129, 249, 259 winter, 63, 126, 233–234 wiring, 179, 187 withholding right, 263 withholding tax, 31, 32 work in Spain Balearic Islands, 142 business laws, 217–218 Canary Islands, 145 country property drawbacks, 123 documentation, 194 exchange rates, 165 home office, 16 home values, 20 Ibiza, 139 job hunting, 219–221 overview, 17 permits, 194–195, 202–203 popularity, 18 Seville, 100 siesta, 258 tourism options, 127, 129, 133, 207–217 Notes Notes Dummies Do Anything Just Add UK editions PROPERTY 978-0-7645-7027-8 978-0-470-02921-3 978-0-7645-7047-6 Answering Tough Interview Questions For Dummies (978-0-470-01903-0) Genealogy Online For Dummies (978-0-7645-7061-2) Arthritis For Dummies (978-0-470-02582-6) Green Living For Dummies (978-0-470-06038-4) Being the Best Man For Dummies (978-0-470-02657-1) Hypnotherapy For Dummies (978-0-470-01930-6) British History For Dummies (978-0-470-03536-8) Building Self-Confidence For Dummies (978-0-470-01669-5) PERSONAL FINANCE Buying a Home on a 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Buying a Property in Spain FOR DUMmIES ‰ Buying a Property in Spain FOR DUMmIES ‰ by Colin Barrow Buying a Property in Spain For Dummies Published by John Wiley & Sons, Ltd The Atrium... in your property dealings in Spain and what action to take I highlight the ten areas that appeal most to expat property buyers And I summarise the main advantages of life in Spain And finally,... deserve and have my gratitude, any faults or failings in the text remain mine and mine alone I would certainly appreciate your feedback as you travel the path that I have taken around Spain Any tips,