{"id":9560,"date":"2023-12-05T09:37:42","date_gmt":"2023-12-05T08:37:42","guid":{"rendered":"https:\/\/era.archi\/?p=9560"},"modified":"2024-03-07T16:18:46","modified_gmt":"2024-03-07T15:18:46","slug":"mortgage-financials-in-barcelona-spain","status":"publish","type":"post","link":"https:\/\/era.archi\/en\/mortgage-financials-in-barcelona-spain\/","title":{"rendered":"Mortgage financials in Barcelona Spain"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom: 0px;margin-top: 0px;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"margin-top:0px;margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\" style=\"transform:translate3d(0,0,0);\"><h1><span style=\"font-weight: 400;\">Mortgage financials in Barcelona Spain\u00a0<\/span><\/h1>\n<p><span style=\"font-weight: 400;\">This post is part of a previous post covering general information about Mortgages in Spain.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">May you need the big scenario, I recommend checking first the post:\u00a0<\/span><i><span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff;\" href=\"https:\/\/era.archi\/en\/mortgages-in-barcelona-spain\/\" target=\"_blank\" rel=\"noopener\">Mortgages in Barcelona Spain<\/a><\/strong><\/span>.<\/i><br \/>\n<span style=\"font-weight: 400;\">In this post we\u2019re covering this process:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foreign exchange rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax in Spain<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal considerations<br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">May you don\u2019t know us yet, let\u2019s have a quick introduction: we&#8217;re ERA architects.<br \/>\nActually, I&#8217;m Esther Rovira, architect and passive house designer in Barcelona and Catalonia for either passive houses, efficient houses and positive houses.<br \/>\nIn this post <i>\u2018Mortgage process in Barcelona&#8217;<\/i>, you&#8217;ll find the list of basics you need to know before you start your renovation in Barcelona.<br \/>\nI hope it helps you! Let&#8217;s explore the 4 basics of a positive home renovation.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Foreign exchange rates<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This is very often overlooked when purchasing a property abroad. And it\u2019s crucial for your purchase journey, especially exchanging dollars to euros.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">I recommend talking to an expert when we have a shortlist of property options to purchase. The reason is when you\u2019re buying a property in a different currency, you become exposed to unpredictable currency fluctuations.<br \/>\n<\/span><span style=\"font-weight: 400;\">As you know currency values fluctuate constantly. This is challenging when you have a fixed amount of funds for your property purchase in your new home country. That sum you\u2019re holding is subject to constant change making you lose money with that flexible exchange rate. Specially considering a property purchase in Spain can span from 3 to 4 months to complete. Plus fluctuations in those months can vary ranging 5 to 10% (specially if close to elections the risk can be outrageous!).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Then, can you avoid the risk related to currency fluctuations? Yes you can save money and risks by fixing your exchange rate with a foreign exchange provider. These financial groups have proved to our clients to be 3% more cost effective compared to a high street bank.<br \/>\n<\/span><span style=\"font-weight: 400;\">When you deal with banks for currency exchange, they add a profit margin making it expensive to exchange especially when dealing with large sums of money like those you\u2019ll be dealing with to buy a property.<br \/>\n<\/span><span style=\"font-weight: 400;\">Some financial groups are able to effectively mitigate currency fluctuations by locking exchange rates for future dates by using a forward contract. This is very convenient for property transactions since you are able to lock the exchange rate when agreeing on the property\u2019s price.<br \/>\n<\/span><span style=\"font-weight: 400;\">This will help you to budget in detail knowing exactly the amount you\u2019ll pay in your currency for either your property purchase or renovation.This gives you financial security when buying to renovate your property in Barcelona and Spain.<br \/>\n<\/span><span style=\"font-weight: 400;\">Here is an example when facing a construction of a positive home new build that costs 500.000\u20ac. If taking 12 months to start construction due to design and permit approval. Then a buyer transacting from US dollars to Euros considering this 12 months time (we\u2019re considering real fluctuation between October 2022 and October 2023); the construction budget amount decreases by 18%. This cuts the initial budget 80.000\u20ac which means goodbye to your swimming pool and hotub on the sky terrace.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to know more about this fixed exchange rate on your large transactions abroad, we have in our team an expert able to assist you with a free consultation without any commitment. The financial groups we work with are approved by the financial conduct authority and secure all funds are in segregated safeguarding accounts. If you are interested in getting this free consultation, write to us at hola@era.archi and we\u2019ll book a session to assist you.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Tax\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you and your family live in Spain 183 days a year, then you\u2019re considered a Spanish resident and must declare your worldwide income. Demonstrating non-residency when your spouse and children live in Spain is extremely challenging. Seek for expert advice if your case is blurry while don\u2019t be faddy to save in taxes if you should not; Spain has a great health and education public system, be fair with what you take and give.<br \/>\n<\/span><span style=\"font-weight: 400;\">In Spain there are different taxes. This may vary depending on which region you buy property but generally speaking you have these tax types:\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Personal income tax<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Spanish name is IRPF (<\/span><i><span style=\"font-weight: 400;\">Impuesto sobre la Renta<\/span><\/i><span style=\"font-weight: 400;\">). This applies to all residents earning their income in Spain. This tax varies depending on the income level ranging from 19% to 47% of benefits\u00a0 generated each year (income minus expenses). Expect to pay almost 40% if your benefits have been 80.000\u20ac.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Companies\u2019 income tax<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Companies operating in Spain pay a fixed rate of 25% of the benefits of their company. Some minor activities have reduced types. The name of this tax is <\/span><i><span style=\"font-weight: 400;\">Impuesto de sociedades<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Value added tax<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The famous IVA (<\/span><i><span style=\"font-weight: 400;\">Impuesto de Valor A\u00f1adido<\/span><\/i><span style=\"font-weight: 400;\">) with a standard rate of 21% (renovation costs have this rate) and a reduced 10% (new builds have this rate) and a very reduced one 4% for food and healthcare. For example, considering your property investment, the architect will charge 21% on her professional services (either renovation or new build). Then, the builder for your renovation works 21% while the builder of a new positive house build will charge 10%.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Real Estate tax<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The IBI (Impuesto de bienes inmuebles) is paid once a year by those who own property. The range varies widely depending on the neighbourhood.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Heritage tax<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This \u2018<\/span><i><span style=\"font-weight: 400;\">Impuesto de patrimonio\u2019<\/span><\/i><span style=\"font-weight: 400;\"> has been cancelled in most regions. But expect to pay it in Barcelona and Catalonia for sure if you have property and high net worth.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Inheritance tax<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This exists only in Barcelona and Catalonia. If you die your inheritor will need to pay before they inherit anything, a percentage that ranges between 7,65% and 34%. If you move to Zaragoza you pay 0%.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Legal considerations<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Buying a property in Spain needs proper knowledge for two reasons. First, the real estate agencies or realtors are not obliged to give you all the information about the property. And second, the specific knowledge and language gap when signing complex purchase contracts or mortgages can be a hassle to your loss as a buyer.<br \/>\n<\/span><span style=\"font-weight: 400;\">The truth of realtors in Spain is that they are 100% on the side of the sellers and by law are not forced to tell you as a buyer if that property is affected by structural issues, supply debts or even who is holding the higher percentage of the ownership. You may even find that part of the property is not legally registered (maybe the swimming pool or an extension).<br \/>\n<\/span><span style=\"font-weight: 400;\">This is a huge problem that can make you lose a lot of money. So when buying a property, get a solicitor in order to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">check the property is correctly registered<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">add all the important items on the contract bilingual<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ensure you can retrieve your 10% deposit when conditions change at the final agreement<\/span><\/li>\n<\/ul>\n<h2>Conclusions<\/h2>\n<ul>\n<li><strong>Get Informed:<\/strong>\n<ul>\n<li>If you haven&#8217;t, read the general essentials in this post: <em><span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff;\" href=\"https:\/\/era.archi\/en\/mortgages-in-barcelona-spain\/\" target=\"_blank\" rel=\"noopener\">Mortgages in Barcelona Spain<\/a><\/strong><\/span><\/em>.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Understand Currency Fluctuations:<\/strong>\n<ul>\n<li>Don&#8217;t overlook the impact of currency fluctuations, especially when exchanging dollars to euros. Consult experts and fix your exchange rate to save money and mitigate risks.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Realize Tax Implications:<\/strong>\n<ul>\n<li>Grasp the intricacies of the Spanish tax system for both residents and non-residents. Including: Personal Income Tax (<em>IRPF<\/em>), Companies&#8217; Income Tax (<em>Impuesto de sociedades<\/em>), Value Added Tax (<em>IVA<\/em>), Real Estate Tax (<em>IBI<\/em>), Heritage Tax (<em>Impuesto de patrimonio<\/em>), and Inheritance Tax (<em>Impuesto de succesiones<\/em>).<\/li>\n<\/ul>\n<\/li>\n<li><strong>Prioritize Legal Knowledge:<\/strong>\n<ul>\n<li>Recognize the importance of legal expertise when buying property in Spain. Real estate agencies may not share all information, so hire a solicitor to ensure proper property registration, bilingual contracts, and secure deposit retrieval.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Consult Experts for Free:<\/strong>\n<ul>\n<li>Take the next step by seeking a free consultation without commitment. Contact us at <a target=\"_new\" rel=\"noopener\">hola@era.archi<\/a> to explore fixed exchange rates for significant transactions abroad.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>I hope this post <em>&#8216;Mortgage financials in Barcelona Spain&#8217;<\/em> is helpful for you to empower decision making based on knowledge.<\/p>\n<p><span style=\"font-weight: 400;\">Y<\/span><span style=\"font-weight: 400;\">ou\u2019re already moving forward by reading this post until the end. So congrats on your achievement so far!<br \/>\n<\/span><span style=\"font-weight: 400;\">Best of luck on your positive home renovation adventure.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">See you on the next post,<\/span><\/p>\n<div>\n<p><img decoding=\"async\" class=\"alignnone wp-image-7220 size-thumbnail\" src=\"https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-150x150.jpg\" alt=\"architectBarcelona\" width=\"150\" height=\"150\" srcset=\"https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-66x66.jpg 66w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-150x150.jpg 150w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-200x200.jpg 200w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-300x300.jpg 300w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-400x400.jpg 400w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-600x600.jpg 600w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-768x768.jpg 768w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-800x800.jpg 800w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-1024x1024.jpg 1024w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47.jpg 1133w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/p>\n<\/div>\n<div><strong><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/www.linkedin.com\/in\/estherrovira\/\" rel=\"noopener noreferrer\">Esther Rovira Raurell<\/a><\/span><\/strong><\/div>\n<div><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/era.archi\/estudio\/\">Architect in Barcelona<\/a> #<a style=\"color: #000000;\" href=\"https:\/\/www.arquitectes.cat\/\" rel=\"noopener noreferrer\">COAC 44234-8<\/a><\/span><\/div>\n<div><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/www.passivhausplaner.eu\/index.php?lang=en-GB\" rel=\"noopener noreferrer\">Passive House Designer<\/a><\/span><\/div>\n<div><span style=\"color: #000000;\">Affiliated to the <a style=\"color: #000000;\" href=\"https:\/\/passivehouse-international.org\/memberSearchDetails.php?member_id=9577\" rel=\"noopener noreferrer\">International Passive House Association<\/a><\/span><\/div>\n<div><span style=\"color: #000000;\">Founder of <a style=\"color: #000000;\" href=\"https:\/\/era.archi\/es\" rel=\"noopener noreferrer\">ERA architects<\/a> <\/span><\/div>\n<div><\/div>\n<p>P.S. Wanna get FREE tips for your project weekly?<strong> <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/mailchi.mp\/70756c2ddba1\/barcelona-green-architect-tips\" target=\"_blank\" rel=\"noopener\">Yas!<\/a><\/span> <\/strong><span style=\"color: #000000;\">or follow us on <a style=\"color: #000000;\" href=\"https:\/\/www.instagram.com\/era.archi\/\" target=\"_blank\" rel=\"noopener noreferrer\">Instagram<\/a> and <a style=\"color: #000000;\" href=\"https:\/\/www.facebook.com\/ERAarchis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Facebook<\/a><\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":9546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[603],"tags":[355,138,757,629,751,142,758,795,759,760,623,630,750,628,813,812,665,165],"class_list":["post-9560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-passive-house-architect-barcelona","tag-architect-barcelona","tag-architect-passive-house-barcelona","tag-buy-or-renovate","tag-clt-house","tag-construction-permit-process-spain","tag-english-speaking-architect-barcelona","tag-green-home","tag-green-home-renovation","tag-green-renovation","tag-house-renovation","tag-passive-house-en","tag-passive-house-barcelona","tag-permit-process-spain","tag-positive-house","tag-renovation-barcelona","tag-renovation-subsidies-in-barcelona-2024","tag-solar-energy","tag-wood-house"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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