23-Jul-2025
The Property Tax (IBI) is a fundamental aspect of all real estate purchase and sale transactions in Spain. Knowing exactly who is responsible for this tax can avoid conflicts and unexpected costs during the property transfer process.Who Must Pay the IBI?- The...
23-Jul-2025
General Regulations on Cash PaymentsIn Spain, there are strict regulations on the use of cash, aimed at combating tax fraud and money laundering. Law 7/2012 and the Beneficial Ownership Act establish controls to ensure the traceability of transactions and the...
22-Jul-2025
If an heir neither accepts nor renounces an inheritance, the situation can become quite complicated from a legal and tax perspective. The right to accept or reject the inheritance, known as ius delationis, is not left in the air: if the heir dies without expre...
21-Jul-2025
The cadastral reference value, introduced by Law 11/2021, has established itself as an essential element for fiscal transparency in the Spanish real estate market. The General Directorate of Cadastre determines this value based on the purchase price recorded a...
18-Jul-2025
Let's get down to business: mortgage subrogation is a smart financial tool for those looking to optimize their financing terms without having to cancel and sign a new loan. The procedure involves certain procedures and initial costs, but, in most cases, the sa...
17-Jul-2025
In the world of business and investment, the term "usufructuary" is more common than one might think. To put it bluntly: the usufructuary is the person or company that obtains the right to use and benefit from an asset that legally belongs to another person. I...
17-Jul-2025
Let's get to the point: the Property Deed is the document issued by the Property Registry and offers a clear and direct overview of a property's legal status. It is not a document with absolute legal value, but it is the reference tool for those who need relia...
15-Jul-2025
In June, prices registered an annual increase of 14%, reaching a not inconsiderable €2,438 per square meter, a record figure according to the latest index. If we look only at the last quarter, the increase is 5.5%. The figures speak for themselves: demand rema...
15-Jul-2025
Come on, this sounds like a notary's word, but in the end, it's simpler than it seems. Imagine you have the mortgage of your life (or your nightmares, depending on the month) and, for whatever reason, the terms no longer suit you. Well, this is where the famou...
15-Jul-2025
In the world of rental properties, rental default insurance is basically your best ally for protecting your investment and your cash flow. Imagine if the tenant stops paying—it's not just annoying, it's a serious problem for your accounts. That's what this ins...
15-Jul-2025
When purchasing a second-hand home, it is essential to know what to do if hidden defects or defects appear after the purchase. In these cases, not all defects can be legally claimed from the seller; there are clear criteria that must be met:- The defect cannot...
15-Jul-2025
BBVA is making a splash in the mortgage market this summer. Beyond the headlines surrounding the takeover bid for Banco Sabadell, the bank led by Carlos Torres has launched one of the most competitive offers in the sector: its fixed-rate mortgage at 2.60% (3.6...