It's a common saying that the costs of a deed of sale are typically 101% to 50% of the property's value, broken down into VAT or property transfer tax, the deed fees, and the fees for registration in the Property Registry. However, things aren't as simple as that […]
HOW MUCH DOES IT COST TO WRITE A HOME Continue reading →
Taking out a mortgage is a complex process. There are various legal, financial, administrative, fiscal, civil, procedural rules… that are not always easy to understand, and a number of people are involved, such as banks, appraisers, agencies, notaries, registrars… which can cause the long-suffering debtor a lot of confusion. The first thing to keep in mind is
TIPS FOR GETTING A MORTGAGE Continue reading →
According to statistics on notarial documents, the most common document signed in Spanish notary offices is a power of attorney. This is a document in which one person authorizes another to carry out certain acts, with the scope desired. Special power of attorney and power of attorney
REVOCATION OF POWERS Continue reading →
It is quite common to hear me say, when asked for advice, that the best thing to do in a deed is to stick to reality, because “lies” in deeds always have a future cost in the form of capital gains. The two most frequent assumptions are, on the one hand, the relative
SOME QUESTIONS ABOUT THE PURCHASE OPTION. Continue reading →
As a consequence of the real estate crisis that we have all been suffering in recent years, there have been thousands of evictions due to non-payment of mortgage loans, which has caused banks to accumulate a huge amount of properties, whose only purpose is to sell them, since their business is not
FORMULAS TO ACQUIRE AN APARTMENT FROM THE BANKS. THE ASSIGNMENT OF THE AUCTION Continue reading →
The community manager is one of the most in-demand job profiles in recent times. As a profession, we could understand community manager as someone who is in charge of managing a company's presence on social networks. They generate information through the different social media channels and respond to requests.
THE COMMUNITY MANAGER DOES THAT Continue reading →
It's normal for people with a "standard" moral compass to intend to repay a debt when they take it on. So, leaving aside those who are professional swindlers, when someone buys a car, a house, or borrows money for home renovations, their intention is to pay back the money they've been lent.
THE REBUS SIC STANTIBUS CLAUSE AND PAYMENT DIFFICULTIES Continue reading →
What was coming came, and although the Spanish Supreme Court in the well-known Judgment of May 9, 2013, after establishing the criteria to declare the nullity of the floor clauses imposed on consumers, nevertheless indicated that the effects of the declaration of nullity of
NOTARIES AND FLOOR CLAUSES Continue reading →
Royal Decree-Law 1/2015 of 27 February introduced a series of changes to the Bankruptcy Law, and in the case of non-business individuals (commonly called consumers), a notarial procedure was established so that an out-of-court payment agreement could be reached, ultimately aimed at achieving the release of debts.
HOW TO GET THE RELEASE OF DEBTS Continue reading →
I take up the gauntlet that Justito the notary had thrown down, in the blog “notariabierta”, which can be consulted here, and which he himself had answered in his personal blog, which can be consulted here. I am not going to deny that it is a subject, this one of the banking agencies and the
DOCUMENT MANAGEMENT AND BANKING MANAGEMENTS Continue reading →
