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simple informative Note


is one of the most common documents in the process of buying and selling property. The simple note is issued by the Land Registry and contains information on the status of a property, such as housing.

The main information contained therein is:

- Characteristics of property: property type (local, housing, etc..) Administrative system that could affect you (if subsidized housing), location, total area and useful, the share of horizontal division, etc.

- Ownership: behalf of the owner or operator, and its form (natural or legal person).

- Charges: information about mortgages and other charges that may affect as embargoes, possible property disputes, fiscal conditions, etc.

The simple note should always be sought that is intended to acquire a property as a home, to ensure that the owner is who they claim to be and that the estate does not have loads and can be purchased with all the guarantees. No permission is needed from the owner to your order. Keep in mind that if there is buying a home that has loads, they are transferred to the new owner.

The simple note value is informational only, ie can not be used at trial. However, its importance is key because it ensures that the property sold to us meets expectations. If you want to engage in buying and selling homes or real estate utros we recommend that you familiarize yourself with this document to find the information you need quickly. Always check the square footage indicated in the note simply because in many cases do not correspond with what we are trying to sell.

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stages of boom in real estate prices paid for the lots that go to market are well above the real value because it takes into account future expectations. While the real estate cycle continue to rise, developers who buy land will offset the premium paid by the sale of homes to promote and to be launched at a price greater than the time of purchase of the site. The problem occurs when expectations are not met, because the boom phase is complete and has not adequately analyzed the market situation.

We can distinguish two types of promoters: optimists and realists. The optimists are those who only consider the past when making decisions, consider that if the price of housing has risen sharply in recent years, the trend is the same and worth buying soil but this is find a very high price. This type of promoter obtained high profits during the boom phase but can accumulate heavy losses when the cycle. By contrast, the realist looks at the current situation before making a decision and adopts a more conservative stance, which prevents the boom times but get the maximum benefit that protects you in case the market goes into recession. The realist sell part of its land portfolio when he warns that the current situation will worsen and buy elsewhere.

A large number of entrepreneurs, small and medium, have difficulty in locating new opportunities to purchase land outside their usual geographical area. When land prices reached very high levels in your area reduced its rate of purchase. Developers should consider the economic outlook, demand for housing and land development in other areas than usual to find new investment opportunities. These mainly include: urban soil populations are not affected by the housing crisis and solar likely to be downgraded.

stage in the housing bust, will not lower the price of housing in all municipalities. There will be areas that will still maintain a moderate growth rate and that may be due to the arrival of heavy industrial investment, domestic or foreign capital. However, most people just avoid the falling price of housing if they build major new transport infrastructure.

In the real estate world, the largest creation of value does not occur through the construction of a building, or their sale, or in land development. Occurs when a municipality reclassified agricultural or industrial land and turns it into building land.

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Solar Rotation in the big city dwellings for housing in the far periphery


In general, we can say that a large number of investors have not considered the periphery as an interesting area to invest in housing and have focused their investments in assets in the big city for their biggest gains. Typically, the housing boom begins and ends in the big city rather than in the periphery and continuing at the periphery when it has completed the first location. When the boom is ending in the big city and housing prices are achieved by very high, having almost reached its maximum, it is recommended the sale to acquire assets in the far periphery (except when there is excess supply).

In developed countries, in recent decades, the volatility of housing prices in areas emblematic of the great city has been well above the more modest areas or the periphery. In the first location, the price of housing has risen above average in boom periods and decreased to a greater extent than the overall market in a downturn. This is due to increased demand because of investment in these areas during periods of growth and almost absence of it in the early stages of recession. It is therefore advisable when the asset swap market in the big city shows signs of exhaustion.

Another aspect is the return value through rent. In the early stages of boom in the big city, the houses located on the periphery have a significantly higher rental returns through the emblematic areas located at the first location. In 2005 in Spain the difference was about 50%.

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asset turnover. A complicated and risky strategy?


The housing market is difficult to find investors that their assets rotate frequently. Most property owners have a conservative approach and its assets remain in the portfolio for a long time, and sometimes a lifetime. Not raise the turnover of assets, considering a complex and risky strategy.

is considered a strategy complicated by the fact that it is more convenient to keep the assets they sell, obtain and acquire other capital gains. To implement this strategy successfully requires a good knowledge of the market or seek advice, something that most investors are not willing to pay, despite having a comparatively small cost. Currently, a high percentage of real estate assets are managed by their families and because they sometimes are the property Several members lack professionalism in decision-making. Therefore, in these cases tends to keep the estate was considered a more secure if the cost is less.

The qualification Extreme stems from the fear of making mistakes. For many people, have plenty of cash money is a problem, since they do not know where to invest. Nor are they willing to hire a consultant, either distrust or the expense involved. This insecurity leads these investors to buy assets similar to those they already possess and not to sell any of its properties.

The best time to implement the strategy of asset turnover is in the final phase of housing boom when there are no prospects for growth. However, housing crisis, the sale can be a good strategy for liquidity because the assets are worth more today than tomorrow. It is also an ideal stage to be at the "hunt" for real estate bargains that may appear in this period.

The main asset turnover strategies are: swap homes in the city for residences in the far periphery , solar rotation and replacement of housing for industrial buildings.

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Subsidised housing (VPO)


The social housing (VPO, also called sheltered housing) is a type of housing that the administration puts on the market and is aimed at disadvantaged groups. The advantages of the free are facing a lower price and financial assistance for purchase .

The housing units must be intended for regular use. Its floor space must not exceed 90m 2 , except in the case of large families that can reach 120m 2. The buyer can not take any residential property and must be registered in the territory governed by the Administration.

There are two types of social housing:

• In general scheme: intended People whose family income does not exceed the weighted 5.5 times the minimum wage.


• special regime: intended for persons whose family income does not exceed the weighted 2.5 times the minimum wage.

The VPO have benefits for both the builder and the buyer:

• The constructor commits itself to sell the property at a price below the maximum set by the Administration. This price is usually well below the market price. In return, they receive a loan over 80% of the purchase price of the house, including garage and the storage room at a low interest rate. The loan can be then subrogated to the buyer at the time of the deed of sale.


• The buyer gets a home at a price substantially below market. In contrast, the housing must be permanent address. In the future, if the buyer wishes to sell the house should sell at a price fixed by the Administration, who also has preemption.

The extinction of the protection comes after a period of time for pre VPOs Plan 2005-2008, varies depending on the promotion and the autonomous region. Currently, for Plan 2005-2008 Housing state law provides that public housing has a protection regime 30 years. Once disqualified the social housing that can be sold on the open market.

For more information about the support available for house purchase can visit the following link.

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Savings Account


The housing savings account is a type of special account balance is used for the purchase of a home for regular use and must be purchased within a specified period. The deadline to purchase that home is 4 years .

The housing savings account allows the holder to 15% tax-deductible annual amount received, being able to deduct a maximum on the amount of 9.015,18 € (maximum amount deductible: € 1,352.28).

The Act also provides for benefit of that relief money should be in an account called housing account. Serves any deposit account and even provided the balances entered solely intended to buy a home or reform.

We can find different financial institutions offering housing accounts like One-e with a 3.30% APR or entities that provide housing deposits Bankinter as a 3.74% APR. Indifferent to the type of option you choose, or deposit account, it is best to find the best possible performance.

If exceeded the maximum period allowed is not an acquisition of the house then you have to refund the amounts withheld plus interest for late payment.

planteándote If you buy a home in the near future, less than 4 years, and you have sufficient income should consider this option since you will deducirte a negligible amount of money.

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housing tenants' tax that no one knows

The Property Transfer Tax and Stamp Duty Documented (ITP and AJD) is an economic burden, almost unknown, that all people who rent a property in Spain are required to pay and that very few do. This tax is mostly people discover that their leases handled through a public entity.

The tenant must pay the levy for each rental contract to sign. The amount payable depends on contract length and the total amount due for the rental period. There are two ways: through a kiosk or in the Ministry of Finance of each region filling the Model 600.

to pay fees depending on the total amount are:

• Hasta 30,05 euros - 0,09 €.
• De 30,06 a 60,10 - 0,18 €.
• De 60,11 a 120,20 - 0,39€.
• De 120,21 a 240,40 - 0,78 €.
• De 240,41 a 480,81 - 1,68 €.
• De 480,82 a 961,62 - 3,37 €.
• De 961,63 a 1.923,24 - 7,21 €.
• De 1.923,25 a 3.846,48 - 14,42 €.
• De 3.846,49 a 7.692,95 - 30,77 €.
• De 7.692,96 en adelante, 0,024040 euros por cada 6,01 euros o
  fracción.

Por ejemplo, si alquilas una vivienda durante un año por 700 euros mensuales al final del contrato would have paid 8,400 euros and have to pay 33.60 euros in tax. (700x12 = 8,400 euros; (8.400-7.692,95) / 6.01 = 117.65 x 0.024040 + 30.77 = € 33.60 ).

disinformation about this tax is due to most leases are made between individuals and not go through a professional filter. In any case, remember that ignorance of the law does not excuse and in case of not paying the Administration can claim or even punish through the Income Statement.

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The overvaluation of the housing resale flats

In booms in the housing market there is a housing demand which causes the key in the intermediation business is the supply side. In these periods, selling floors with ease it is necessary that housing agencies are able to set up a portfolio of homes to meet that demand. Marketing in these periods is focused on the owners. The main objective is to convince them that your home will sell soon and the highest possible price.

One of the main strategies used by agents in these periods is tax the property at a price above market , so it's easier to convince owners that agree to cede the management of the property to agency. For many estate agents seems that this is not the most appropriate way to work even if they originated in this way the competition will take away their market share.

During a property boom to brokers are not concerned that the selling price exceeds its market value. know that housing will be sold soon . If the property is taken at market value sale can be formalized within 15 days. If it sells for more than 10%, it will take around 2 months. And if the price is higher than 20% of the sale can be extended to 6 months. The agent knows that in these periods houses sooner or later be sold, unless its overvaluation excessive. This behavior generates an inflationary spiral leading to, in certain locations, the price of m 2 ^housing new and used (under 25 years) has a similar price.

Furthermore, when demand is significantly reduced these procedures disappear and stop selling new homes mostly on background. Now the reduced demand, and existing homes have lower quality than new ones, are more affected by reduced global demand. In these periods of housing crisis, given the same location of the property, the price of second-hand homes is reduced much more than the new. Now intermediaries change their marketing strategy seeking to stimulate demand for family homes and investors. The goal now is to get the landlord to reduce the price of your home. Many agencies now refuse to homes if they believe are overvalued. Do not worry about the availability of properties because they offer plenty.

important thing now is to get the highest commission possible, but try to perform more operations. To this end, it is necessary that the price of homes in your portfolio meets the conditions of this new stage. This particular operation can explain why the prices of previously owned homes suffer more swings, climbing higher in periods de auge y bajando en mayor medida en los de recesión.

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rents up 4.2% in July

Según el INE (Instituto Nacional de Estadística) el precio medio del alquiler ha subido en el último año un 4,2%, frente a la subida del IPC que ha sido del 5,3%. En lo que llevamos de año se han encarecido los alquileres un 2,9% y en el mes de julio un 0,3%.

Cantabria ha sido la comunidad donde más ha subido, un 6,7% y Navarra la que menos un 2,5%. El IPC también subió más que la media en la siguiente regiones: Aragón(5,8%), Madrid (5,3%), Castilla-La Mancha (5,1%), Extremadura (4,5%) y Murcia (4,3%).

Furthermore, below the average have been Basque Country, Andalusia, Canary Islands and Valencia with 4%. It was also the case of Catalonia (3.8%), Asturias (3.5%), Balearic Islands (3.4%), Canary Islands (3.2%), La Rioja (3.2%), Galicia ( 2.7%) and Navarra (2.5%). As for the

insurance rates have been living an average increase of 3.6%, not having produced any increase from June to July.

For more information, see the evolution of the rent in Spain in recent years in this page INE.

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rights and obligations

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Mortgage bank guarantee in the dwelling

is a guarantee that requested by the owner for the rental of your home and helps ensure recovery in case the tenant fails to pay the monthly fees.

recommend you order the bank guarantee in special cases, but in addition it is necessary that the prospective tenant submit bank statements to ascertain the state of its economy and if possible personal references from previous landlords if you have them.

endorsement must not be asked to a person who demonstrates a good track record, as this will choose to reject the housing and other because their reports are a sufficient guarantee.

bank guarantee granted to the tenant own money to deposit in the bank and which is retained. If the tenant need for some emergency money could not make use of it. In addition, the bank charges a fee to the tenant.

For the owner is the best way to ensure recovery. However, if possible, is preferable to avoid it. It is best to select either the landlord to the tenant who will occupy their property to avoid after getting into a fight to start the eviction.

The bank guarantee is one more tool available to the owner as that the rental insurance. More and more these formulas are used due to the increase in the number of bad debts and lack of sufficient guarantees from tenants.

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Insurance dwelling


In Spain the total housing stock are dedicated only to rental 10%, unlike other European countries like Germany where the figure is 60% and 40% in the Netherlands.

The reason for the lack of the rental market is the fear the outstanding owners and tenants causing damage . This is compounded by the fact that the property is acquired in many cases as low investment and legal expenses available to the landlord against the tenant. One of the measures to alleviate this is the rental insurance, insurance policy offered by both public and private insurers.

rental insurance for individuals (private)

This is a product that few companies offer and engaging the landlord especially for unpaid rent. The annual fee payable is usually around 60% of the monthly rent. Eg for a rent of € 700 annual fee payable would be € 420.

To purchase this product, the landlord must submit all information relating to the tenant, that the insurer can verify solvency and have a certain warranties. To this end, should deliver the latest payroll and employment contracts. In contrast, the owner must present ID and lease. Coverage

• default. covers between 6 and 12 months of default by the tenant.


• Damages in the building. This is one of the coverage that most homeowners demand but not available in the best conditions. Some insurance covers up to 3000 € of damage but only if they occur during the process of eviction and is found to have been the result of vandalism. Does not include damage done during the period rent.


• legal aid. Some insurers offer this coverage, which provides legal defense of the landlord until the tenant gives the keys.

insurance is valid only for new leases from the date of execution, does not cover unpaid previous installments. Insurance

governance hire

public institutions within the emergency plan of the Ministry of Housing, municipal agencies have been created to channel the lease rent of floors, while providing homeowners insurance to cover the defaults.

• rental fee. are lower than those paid on the open market, giving priority allocation to low-income individuals who do not have sufficient resources to access housing on the open market.


• Term of contract. 5 years.


• Contracts. are formalized two contracts: one between public institutions and the owner and forth between the public agency and the tenant. There is no contract between landlord and tenant.


• Defaults. The public agency is responsible, through insurance signed with the landlord, the housing maintenance and delivery in good condition at the end of the contract. There is only one requirement that housing be subsidized housing (VPO).

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Internet banks chasing new customers


In the current economic situation after the first anniversary of the crisis of subprime mortgages banks continue to hunt the person to finance their operations by the difficulty of getting money in the interbank market.

In this case we will present the main deals hook up with major Internet banks for new customers only . Bankinter


- 3 month deposit at 7.5% APR + Bonoclip guaranteed. Minimum investment € 25,000 € 250,000 maximum.
- Deposit 1 month to 11% APR. 3,000 to € 30,000.


ING Direct - Orange Account, 5 months to 6% APR. No commissions and no change banks. Recommended

Openbank
- 3 month deposit 7% APR. Maximum of € 50,000.
- Deposit 1 month to 11% APR. Maximum of € 50,000.
- FOR ALL CUSTOMERS. Deposit to 9 months 5.35% APR. At least € 1000, only to new entrants.

One-e
- Deposit 9 months. First month 16% annual. Remainder of the period (8 months) referenced to Euribor -0.15 months. 5.67% APR (renewable every month Euribor).

Bancopopular-e
- 3 month deposit 6% APR.

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liabilities and financial conditions and will never be as before Did you buy a flat


The Deputy Governor of the Bank of Spain, José Viñals, took stock on the first anniversary of the crisis of subprime mortgages and said that the formidable financial conditions that have occurred in recent 15 years not occur again. Considers that although the banking sector in Spain has endured the turbulence of a solid, recommends seeking new business niches, reducing the financing of the residential sector. From now on the availability of financial resources will be much lower by the tightening in credit conditions.

Due to the worsening of the English economy has been a increase in the delinquency rate on the bench, something that in the opinion of Viñals continue to rise during 2008 and 2009, but financial institutions may face on the strength of their income statements.

Furthermore, Viñals argues that English banks have had a limited impact due to subprime crisis because its activity focuses on traditional financial intermediation, consisting of passive capture customers in order to grant credit, analyzing each case and controlling risk.

also said that the bank building on years of strong growth has accumulated provisions that now allow them to better cope with these times of economic uncertainty.

If you want to know how the crisis started in subprime mortgages may consult the following address . This is an explanation, although extensive, is easy to understand.

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'broad' and not enough to fit the sofa?


Facua (Consumers in Action) launches campaign for homebuyers who have trouble to denounce it. A large number of people complain that they feel cheated in the purchase of your home.

A common case is that of buying a new home that is under construction and for which no date marks the handover. This poses problems for buyers to look for a home for rent or hire a service that will save your furniture.

The delay in the delivery of keys is not the only problem. Buyers also complain that the dimensions of the building are not what they signed. In fact, it is not large differences but of inches but always downwards.
Another
irregularities are occurring in the construction defects, cracks, problems with plumbing, etc, and breach of the qualities that were promised to the buyer.

Therefore, Facua encourages all buyers who suffer irregularities and problems in the purchase of your home to denounce it, to defend their rights. The campaign is expected to last until the end of the year.

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Lease Less than 300 meters / Less than 300 m








200 meters from the apartment

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unforgettable / We have visited wonderful


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Some examples: