Испания для пенсионеров-экспатов

Spain for expat retirees


Spain is a country rich in history, culture and tradition. It has long attracted retirees from all over the world with its warm climate, quality medicine and friendly people. Regardless of your financial situation, in Spain you can find a corner for a comfortable retirement life. In this article, we will tell you about the advantages of living in this wonderful country for expat retirees of different incomes and give recommendations for successful adaptation.

1. For low-income pensioners

  • Housing: Small towns and villages offer affordable housing for rent or purchase. These areas also offer a unique immersion experience in traditional Spanish culture.
  • Medicine: Spain’s public medical system provides quality services at affordable prices. Many medical centres are located in the centre of cities, making them easily accessible.
  • Lifestyle: Living in smaller communities allows you to enjoy the tranquillity, nature and local culture. It is also a great opportunity to learn the language by interacting with the locals.

2. For middle-income pensioners

  • Housing: In larger cities such as Valencia, Málaga or Seville, you can find comfortable flats in the centre or close to the beach. These cities offer a variety of cultural activities and entertainment.
  • Medicine: In addition to public medicine, it is possible to go to private clinics that offer high quality services.
  • Lifestyle: Spain offers many cultural events, mid-range restaurants, theatres, museums and opportunities to travel around the country.

3. For retirees with high incomes

  • Housing: Luxury villas on the coast such as the Costa Brava, Marbella or Ibiza, or penthouses in the centre of Barcelona or Madrid. These properties offer the highest standard of comfort and luxury.
  • Medical: High-class private clinics with the best specialists and personalised care for each patient.
  • Lifestyle: Luxury restaurants, private yacht clubs, golf clubs, spas and other premium entertainment.

4. Cultural Heritage

Regardless of your budget, Spain offers a rich cultural heritage. From historical monuments such as the Alhambra in Granada to world museums such as the Prado in Madrid.


Spain is a country that can offer a comfortable retirement life for people of all income levels. From laid-back countryside life to coastal luxury, everyone will find something special to enjoy here. If you are considering a retirement move, be sure to consider Spain on your list!

Note: It is advisable to do detailed research and consult with property and migration experts before deciding to move.

Изображение показывает процесс покупки недвижимости в Испании, Изображение показывает различные налоги при покупке недвижимости в Испании.

Features of taxation when buying property in different regions of Spain

Property Taxes in Spain: Regional Differences to Know

In Spain, when buying a resale property, a property transfer tax (Impuesto sobre Transmisiones Patrimoniales, ITP) is levied. The rate of this tax varies from region to region and can range from 6% to 10% of the property value. This means that when buying a property worth 200,000 euros in Madrid, you will pay 12,000 euros ITP, while in Catalonia the tax will be 20,000 euros.

Value Added Tax (IVA) when buying property in Spain

When buying a new property in Spain, a value added tax (Impuesto sobre el Valor Añadido, IVA) is charged. This tax is 10% of the value of real estate in all regions of the country. However, when buying land or commercial real estate, the IVA rate can be as high as 21%. This means that when you buy a new apartment worth 300,000 euros, you will pay 30,000 euros IVA.

Tax on legal acts (AJD) in Spain

When buying a new property in Spain, there is also a tax on legal acts (Actos Jurídicos Documentados, AJD). This tax varies from region to region and usually ranges from 0.5% to 1.5% of the value of the property. This means that when you buy a new €300,000 apartment in Madrid, you will pay between €1,500 and €4,500 AJD.

Local taxes when buying property in Spain

In addition to national taxes, property buyers in Spain may also be subject to local taxes. For example, many municipalities levy a tax on the increase in the value of land on the sale of real estate (Plusvalía Municipal). The amount of this tax depends on the location of the property and the duration of its ownership.


When buying property in Spain, it is important to take into account all potential tax liabilities. It is recommended that you contact a professional tax advisor or real estate agent to make sure you are fully aware of all the taxes that you will have to pay. Remember that proper planning and understanding of tax laws can help you save money and avoid unpleasant surprises down the road.

Need help understanding taxes when buying property in Spain?
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Navigating the Spanish Mortgage Process

Your step by step guide to success 🔍

Are you planning to buy property in Spain? Understanding the mortgage lending process is essential to a successful and smooth transaction. Getting a mortgage in a foreign country can seem like a daunting task, but with the right knowledge and preparation, you will be able to navigate the Spanish mortgage process with confidence. In this step-by-step guide, we’ll walk you through the basic requirements, required paperwork, and give you valuable tips to help you get the best mortgage rates and terms.

Step 1: Determine your budget and financial readiness

Before embarking on a mortgage journey, it is imperative to assess your financial situation. Take a close look at your income, savings, and monthly expenses to determine a realistic mortgage payment budget. Consider factors such as a down payment, interest rates, and related costs such as property taxes and insurance. This self-assessment will allow you to approach lenders with a clear understanding of your financial readiness.

Step 2: Research Mortgage Lenders and Get Pre-Approval

Research different mortgage lenders in Spain and compare their offers. Look for reputable lenders who specialize in providing mortgage loans to non-residents. Seek pre-approval from several lenders to understand how much credit you can qualify for, what are the interest rates and repayment terms. Pre-approval will also strengthen your negotiating position with vendors.

Step 3: Gather the required documentation

Prepare the necessary documents supporting your mortgage application. Common documents include:

  • Passport or identity document
  • Proof of income, such as employment contracts, payslips, or tax returns
  • Bank statements showing financial stability
  • Proof of residence or address
  • Real estate information and sales contract (after identification)

It is important to make sure that all documents are valid, translated into Spanish if necessary, and meet the requirements of a particular lender. Carefully review the checklist provided by your chosen lender to avoid delays in the application process.

Step 4: Engage a Professional Mortgage Broker or Lawyer

Consider hiring a professional mortgage broker or lawyer specialized in Spanish real estate transactions. They can provide expert advice, negotiate on your behalf and accompany you throughout the mortgage process. Thanks to their experience, you will be able to make an informed decision and easily overcome all legal difficulties.

Step 5: Apply for a mortgage and wait for approval

Submit your completed mortgage application, along with the required documentation, to your chosen lender. The lender will review your application, evaluate your creditworthiness and property value. Be prepared to be asked for additional information or clarification at this stage. The approval process can take several weeks, so please be patient while waiting for a response.

Step 6: Review the Mortgage Offer and Determine the Final Terms

After your application is approved, carefully review the mortgage offer provided by the lender. Pay close attention to interest rates, maturities, fees, and any special conditions. Ask for clarification on any aspect that seems unclear to you or needs more information. It is very important to have a clear understanding of the conditions before starting work.

Step 7: Sign the Mortgage Agreement and Complete the Deal

After accepting the mortgage offer, you will need to sign the mortgage agreement at a notary’s office. The notary will make sure that all legal requirements are met, read the terms of the mortgage and witness the signing process. At this stage, you will also complete the purchase of the property by signing the sale and purchase agreement and transferring the funds to the seller.

The process of obtaining a mortgage in Spain can be complicated, but armed with the right information, you can successfully secure a mortgage that suits your needs and goals. By following this step-by-step guide, you will be well equipped to approach lenders, collect the necessary documentation, and make informed decisions throughout the process. Remember, reaching out to professionals and getting expert advice will provide you with the support and experience you need to ensure a smooth and successful mortgage experience.

Take the first step towards your dream of owning property in Spain by learning about the process of obtaining a mortgage loan. Thanks to diligence, preparation and the right choice of partners, you will soon open the doors of your new home in sun-drenched Spain.

#SpanishMortgageProcess #RealEstateSpain #MortgageGuide #PropertyOwnership #InvestingInSpain


Key Responsibilities and Post-Purchase Services

Owning property in Spain is a dream come true for many. However, it is important to understand that once you become a property owner, you also have certain responsibilities and maintenance tasks to perform. In this article, we will guide you through the main post-purchase responsibilities to ensure that your Spanish property remains in optimal condition and retains its value. Let’s dive in!

Regular inspections and maintenance:

Regular inspections are critical to identify any service issues before they escalate. Conduct a thorough inspection of the property’s infrastructure, including plumbing, electrical systems, roofing, and HVAC systems. Schedule scheduled maintenance activities such as drain cleaning, air conditioning maintenance, and checking for signs of water leakage or dampness.

Property insurance:

Protecting your investment is paramount. Adequate property insurance is essential to protect against unforeseen events such as natural disasters or accidents. Review your insurance policy regularly to make sure it covers all necessary aspects, including structural damage, liability and property insurance.

Payment of taxes on real estate and utilities:

As a property owner in Spain, you are responsible for paying property taxes (Impuesto sobre Bienes Inmuebles or IBI) and utilities such as water, electricity and gas. Keep track of due dates and make payments on time to avoid fines or service interruptions.

Utilities fee:

If your property is part of a community or complex, you may be required to pay utility bills. These fees go towards the maintenance and upkeep of common areas such as gardens, pools and common areas. Familiarize yourself with the fee structure and pay your fees on time.

Real estate security:

Keeping your property secure is critical, especially if it’s a second home or rental. Install strong security measures such as alarms, secure locks, and security cameras to deter potential intruders. Check and maintain these security features regularly to make sure they are functioning properly.

Rental Property Management:

If you are considering renting out your property, consider hiring a reputable property management company. They can handle tasks such as tenant selection, rent collection, property maintenance, and compliance with local regulations. This will ease the burden of remote property management and ensure a hassle-free rental experience for both you and your tenants.

Garden and pool maintenance:

If your property has a garden or pool, regular maintenance is essential to keep it in top condition. This may include mowing the lawn, trimming hedges, watering plants, and cleaning the pool. If you cannot handle these tasks personally, hire a professional gardener or pool maintenance service.

Involve local experts:

Building a network of trusted local professionals is invaluable to maintaining a property. Find reliable plumbers, electricians, handymen and contractors who can quickly resolve all your maintenance issues. Seek recommendations from fellow property owners or check local directories to find reliable professionals.


Owning property in Spain brings joy and pride, but it also comes with responsibility. By following these basic responsibilities after purchase and investing in regular maintenance, you can ensure that your Spanish property is in optimal condition and retains its value. Accept these responsibilities, be active and enjoy the benefits of owning property in this beautiful country.


Illegal occupation of property in Spain: Legal problems and the homeowner’s dilemma

Uncovering the problems associated with the seizure of property in Spain: Understanding the phenomenon of okupas

The Spanish property market is seeing an increase in property occupancy, which is causing growing concern among homeowners. Okupas, commonly known as “okupas” in Spain, involve the unauthorized occupation of real estate, either by illegal migrants or tenants who have stopped paying rent. In this article, we’ll dive into the ins and outs of repaying debt, looking at the various scenarios homeowners face, legal restrictions, and the complex eviction process.

Two aspects of debt recovery:

Debt recovery in Spain can be divided into two different groups. The first group includes people who take over property during the absence of the owner, usually during a vacation or even a short trip to the local store. These illegal acts are carried out mainly by illegal migrants, including Africans such as Morocco and Senegal, as well as some gypsy communities and even Spaniards, who manipulate legal inconsistencies to their advantage.

The second group, gaining momentum in Spain, consists of tenants who legally rent property, but subsequently cease to fulfill their financial obligations. These tenants, sometimes facing financial hardship or unemployment, present another challenge for property owners. Dealing with this group can be no less challenging as the legal system places a number of obstacles on the eviction process.

Legal incidents and the dilemma of the owner:

When faced with a debt repayment problem, homeowners often wonder why they can’t just forcefully evict tenants. However, the Spanish legal system is structured in such a way that priority is given to due process and the protection of the rights of both parties. Even the police cannot intervene without a court order, and property owners are discouraged from taking matters into their own hands.

Eviction Struggle:

Eviction of tenants involved in debt collection can be an uphill battle for homeowners. Litigation usually lasts a year or more, resulting in significant legal costs, which can reach 1,000 euros or more. The process involves multiple notices and eviction notices, further delaying the issue.

Witnesses and outsiders, a complex equation:

The location of the occupied property plays an important role in the eviction process. Homeowners who live in secluded areas and have no witnesses may find it difficult to rely on law enforcement. Conversely, when the property being occupied is part of an apartment building where other tenants live, tenants can take advantage of the presence of witnesses to further complicate the eviction process.

Utility bills and disappointments:

One of the problems that property owners face when paying back their debt is the obligation to continue paying utility bills such as electricity, water and other expenses while the tenants enjoy the benefits. This predicament becomes especially severe when the property is part of a shared building with a central utility system and individual meters, leaving the landlord responsible for paying.


The surge in property occupancy in Spain, whether it’s illegal entry or non-payment of rent by tenants, poses serious problems for homeowners seeking justice and the return of their property. Understanding the complexities of the legal system, eviction procedures, and the role of witnesses is critical for those embarking on the difficult path of resolving a debt recovery problem. As Spain continues to address this issue, homeowners should navigate the legal process and seek professional advice to regain control of their property.

Disclaimer: The information provided in this article is for informational purposes only and should not be construed as legal advice. For specific legal advice, consult a qualified lawyer.

Assistance juridique

Legal support

After all, the process of buying property can be complex and require legal knowledge as well as an understanding of local laws and regulations.

Legal support can help investors make informed decisions and avoid mistakes that could lead to financial losses or even legal problems. Legal advice may relate to various aspects of the purchase of real estate, including the verification of title deeds, the drafting and analysis of sales contracts, the registration of transactions and the resolution of disputes.

It is important to choose a competent lawyer or a lawyer who has experience in real estate in the respective country. Legal support can be especially important for foreign investors who are unfamiliar with local laws and culture. Such support can provide investors with additional protection and peace of mind in the process of buying property.

As a result, legal support is an integral part of the real estate purchase process, especially for foreign investors. A competent lawyer or advocate can help make informed decisions, avoid mistakes, and provide additional protection and peace of mind during the buying process. If you are planning to buy real estate, be sure to seek legal advice.

In addition, legal support can be useful even after the purchase of real estate. For example, investors may run into problems related to tax issues, property maintenance, or even disputes with neighbors. In such cases, legal assistance can help solve problems quickly and efficiently, as well as protect the rights of the investor.

It is important to understand that legal support is not mandatory, but it can save you a lot of time and money in the long run. In addition, legal support can help to improve the reputation and confidence in the investor, which is an important factor in the decision to purchase real estate.

As a result, legal support is an important part of the process of buying and owning real estate, and can help reduce risks and provide additional protection for the investor. If you are planning to invest in real estate, be sure to seek legal support to avoid unwanted problems and get the most out of your investment.

When it comes to buying property, it is important to understand that legal support can help protect you from the various risks and unexpected issues that may arise during the transaction. Legal support can also help you navigate local laws and regulations and protect your rights as an investor.

In addition, legal support can help you avoid fraud or other unwanted situations. Some real estate sellers may try to sell you property that doesn’t really belong to them, or charge you improper commissions for services they didn’t provide. Legal support can help you avoid such problems and protect your rights as a buyer.

In general, legal support is an important factor when buying a property. If you are planning to invest in real estate, be sure to seek legal support to avoid unwanted problems and get the most out of your investment. Rest assured that your transaction is legal and that you are getting what you expect from your investment.

In general, legal support is an important factor when buying a property. If you are planning to invest in real estate, be sure to seek legal support to avoid unwanted problems and get the most out of your investment. Rest assured that your transaction is legal and that you are getting what you expect from your investment.

У нас есть широкий выбор недвижимости, от вилл в Пенискола до квартир в Валенсии. Мы также предлагаем такие услуги, как помощь в получении визы в Испанию и открытие банковского счета.

Пенискола — отличное место для инвестиций в недвижимость. Это красивый курорт с потрясающими пляжами и знаменитым замком тамплиеров, который использовался для съемок шестого сезона «Игры престолов». Он также удобно расположен всего в 150 км от Валенсии и в 230 км от Барселоны.

Пенискола является идеальным местом для семейного отдыха, так как предлагает всю необходимую инфраструктуру для постоянного проживания или регулярного отдыха. С Inmofeldi вы можете быть уверены, что получите лучший сервис с момента прибытия в Испанию и до момента переезда в новый дом.

Если вы ищете место, которое можно назвать домом, свяжитесь с Inmofeldi и получите бесплатную консультацию у одного из наших специалистов. Мы будем рады помочь вам найти дом вашей мечты в Испании.

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