Information about spanish mortgage

Clarify your mortgage clauses

Monday, August 7, 2017

During the very busy years of buying in Spain, mortgages were easy to get hold of. Banks carried out only the most rudimentary of checks and purchasers often knew little about the mortgage they’d...

Conveyancing

EU commission rules on floor clauses

Thursday, December 22, 2016

The EU Court of Justice has ruled that banks in Spain must return all the interest on mortgages that they have over-charged prior to 2013 as well as after. During the property boom, many Spanish...

Spanish Law

Customising your property with a mortgage

Wednesday, May 4, 2016

Anthony Dewhurst had seen a property he wanted to buy. With a little extra funding, it could be made even more ideal for his family’s trips out to Spain. But could he get a mortgage to help with the...

Conveyancing

Financing your property purchase in Spain

Thursday, April 2, 2015

So you have found your ideal property in Spain. It’s the perfect time to buy and the exchange rate is right. However, it’s a little more than you have available in cash at the moment. How do you go...

Conveyancing

Applying for a mortgage in Spain

Tuesday, July 15, 2014

You’ve seen the house of your dreams in Spain, but it’s a little more than you expected to pay. Or perhaps, you are wanting a holiday home and you can’t quite stretch to paying the asking price all...

Conveyancing

Obtaining a mortgage in Spain - are things improving?

Wednesday, January 22, 2014

There was a time when getting a mortgage in Spain was a relatively straightforward process. Before the economic turbulence of the past few years, most people could get one with a small deposit and...

Conveyancing

Changes to Spanish mortgages

Wednesday, August 7, 2013

Many people buying a Spanish property have relied on obtaining a mortgage in Spain to help them. At one time, this was incredibly easy to do leading to some of the difficulties people now find...

Conveyancing

Mortgages with a floor but no ceiling

Thursday, March 28, 2013

It should be a time for rejoicing for anyone with a mortgage. With interest rates so low, provided you are still in employment, you should at least be enjoying the lowest level of mortgage repayments...

Conveyancing

Expensive small print on your Spanish mortgage

Wednesday, February 20, 2013

We all know how difficult it can be to work your way through small print. Who actually does? Often written in legal terms, and as the name suggests, in very small letters, it is unintelligible to the...

Conveyancing

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There are no longer seven, now there are eleven reasons why a donation is really interesting in the Valencian Community (And another advantage in ISD for inheritances).

As you might already know from our previous publications, we can finally speak of a major modification to the inheritance and gift tax which implies an unquestionable improvement for the taxpayers of this tax and which undoubtedly favours and...
Spanish Inheritance Law: integral support in the process

As you know, Ábaco offers an inheritance service to complete the necessary formalities when someone dies and has property in Spain. Here, the transfer of ownership is not automatic in the same way that it is in other countries. We understand that...
The Energy Performance Certificate in Spain

We all know how important it is for our own pockets and the environment, to be energy savvy. The energy performance certificate in Spain is one way in which you can check that a property you are buying, or selling, is energy efficient. In this...
The Spanish Land Registry

Property in Spain should be registered on the Land Registry or ‘Registro de la Propiedad’. This is an official record of who the owners are and contains other important pieces of information. But what is the purpose of this register and how...
The Spanish Notary: What it is, role and fees

Not all countries have a notary to verify documents as they do in Spain. Here the Spanish notary is a very much respected individual whose office carries a clearly recognised ‘Notary’ sign and who trains for several additional years to qualify...
Estate agent regulations: What are they?

¿There are any estate agent regulations? Until recently, there was no official regulation required for estate agents in Spain. Now this is changing in some regions. In this article we explain what the new expectations will be, how your local agent...

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Information about spanish mortgage