Floor Clauses in Spanish. Mortgages
Some Spanish mortgage lenders have been overcharging borrowers using illegal ‘floor’ clauses that limit the minimum interest rate they can charge. Borrowers with mortgages in Spain taken out in the boom years could be entitled to a substantial refund. What is a...
PLUSVALÍA MUNICIPAL. Local Tax. How it can affect you??
“Plusvalía Municipal or Impuesto Sobre el Incremento del Valor de los Terrenos de Naturaleza Urbana (IIVTNU)”, is a local tax administered by Town Halls in Spain which aims to measure and tax the increase in value on an urban property when it passes into new...
Need a NIF EU citizens who want to work in Spain
Yes. As a general rule, the citizens of the European Union who wish to work in Spain must have a foreign identity number (NIE) granted by the Ministry of the Interior, which will be their Spanish tax identification number (NIF) or, failing that, the NIF «M » Granted...
WIPE YOUR MORTGAGE OUT: DACIÓN EN PAGO
Do you want to leave Spain but you cannot sell your property because of the current market price? Are you unable to cancel your mortgage? Are you thinking about giving the keys back to the bank? We give you the keys in this blog. The collapse of property prices has...
TO BE RESIDENT IN SPAIN FOR NATURAL PERSON
In this post, we define the difference between resident and non- resident in Spain. The tax authority in the Income Tax Law 35/2006 section 9, states the definition of resident in the national territory, as opposed to those who are non-residents: -You are considered a...
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