Spain Explained - Cessions de propriété

What to do after buying property in Spain: your complete checklist

Signing at the notary feels like the end of the process. For most foreign buyers, it is actually the beginning of a separate set of legal and administrative obligations that run in parallel, and on strict deadlines. This article sets out,...
Tipping in Spain – the dos and the don’ts

If we have had good service, a pleasant smile and a tasty meal, most of us like to leave a tip or ‘propina’ as it is called in Spanish. But practice and expectation vary across countries. So, if you are dining in Spain or just having the odd...
Applying for a mortgage in Spain

Over the years, those looking for Spanish banks to finance their property purchase, have seen everything from mortgages being approved almost over the phone all the way up to a perfect financial situation being their requirement for approval. Where...
The 3% retention when selling property in Spain: what every non-resident must know

You have agreed a price, signed the arras contract, and booked the notary. Then, at the signing table, you discover that 3% of the total agreed price will not reach your bank account. It goes directly to the Spanish Tax Agency (Agencia Tributaria,...
Rental income tax in Spain for non-residents: what you need to know

If you own a property in Spain and rent it out — or plan to — you are legally required to declare that income and pay non-resident income tax (IRNR). This applies whether you rent long-term, use holiday letting platforms, or even leave the...
Wealth tax in Spain for non-residents: thresholds, rates and how to reduce your liability

If you own property in Spain as a non-resident, you may be liable for wealth tax — even if you live thousands of miles away. Spain is one of the few European countries that still levies an annual tax on the net value of assets held within its...

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