Propertyblog
Practical articles on selling, buying and financing in Madrid, Mallorca, Valencia and Zaragoza.
Old or expired mortgage not cancelled: how to clear the Land Registry
Discover how to cancel an old or expired mortgage at the Land Registry. Step-by-step guide to clearing encumbrances from your property.
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How much is my parking space or storage unit worth
Calculate the market value of your parking space or storage unit. Discover how much your property is worth based on its location and features.
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Protected Housing That Cannot Be Voluntarily Declassified
Discover which protected properties cannot be voluntarily declassified. Review the legal framework, restrictions, and how this affects their sale.
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How to find out if my property is VPO and its protection regime
Discover how to check if your property is VPO and its level of social protection. Step-by-step guide to reviewing title deeds and official documentation.
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Tax valuation checks by the tax authority: what to do if you receive a supplementary assessment
Have you received a tax valuation check from the Spanish tax authority? Discover what steps to take, the deadlines, and how to appeal step by step.
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How to Avoid the Auction of Your Property by Selling It First
Avoid the auction of your property by selling before repossession. Find out how to settle your debt, protect your assets, and regain control.
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Second Chance Law and the primary residence
Discover how Spain's Second Chance Law allows you to cancel your debts without losing your primary residence. Requirements and key strategies to protect your home.
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How much is a tenanted flat worth compared to a vacant one
Calculate the price difference between a tenanted and a vacant flat. Discover how much value it loses and the factors affecting its sale price.
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Selling a Property with a Tourist Letting Licence: What Happens to the Licence?
Looking to sell a property with a holiday letting licence? Discover whether the licence transfers, what the law requires, and how it impacts the sale.
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Code of Good Banking Practice: who is eligible and what it allows
Find out who is eligible for the Code of Good Banking Practice and how it can help you restructure or lower your mortgage repayments.
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Wealth Tax and High-Value Property: What Every Homeowner Should Know
Discover how Spanish Wealth Tax affects your high-value property. Key insights into taxation, exemptions and fiscal obligations.
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How to Value an Inherited Property for Inheritance Tax
Discover how to value an inherited property for Inheritance Tax. Learn about the cadastral reference value and avoid penalties from the tax authorities.
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Financial and Land Registry cancellation of a mortgage: differences and steps
Discover the differences between financial and Land Registry mortgage cancellation and follow the steps to clear your property of encumbrances.
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Luxury Property Marketing: Photography, Video and International Portals
Boost the sale of luxury properties with professional photography, real estate video and positioning on international portals.
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Which renovations increase property value before selling
Discover which renovations increase the value of your property before selling. Optimise your investment in kitchens, bathrooms and energy efficiency.
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Golden Visa in Spain: What Changed and What Residence Alternatives Exist
Learn about the changes to the Golden Visa in Spain and discover the available residence alternatives for living or investing.
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What Drives Down the Price of a Property
Discover the factors that lower a property's price. We analyse how condition, location, and the market impact real estate value.
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Selling a Property with IBI Debt: Who Pays?
Are you selling a property with outstanding IBI debt? Find out who is responsible for paying this tax and avoid issues during the sale.
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How luxury properties are valued and why comparables are different
Discover the key factors in valuing a luxury property and why comparable properties require a different analysis in property valuation.
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How to Calculate the Price per Square Metre in Your Area
Learn how to calculate the price per square metre in your area. Discover the methodology, assess the market and determine your property's true value.
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Selling a flat with community fees debt
How to sell a flat with community fees debt? Learn the legal requirements, negotiation options and steps to complete the sale.
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Sale with guaranteed rent and heirs: what children receive
Discover what heirs receive following a sale with guaranteed rent. We analyse how it affects children's inheritance and their legal rights.
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Cadastral value, reference value and market value: differences
Discover the differences between cadastral value, reference value and market value, and how each affects your property's taxes.
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Selling a villa in Mallorca: documentation, rustic land and licences
Discover what documentation and licences you need to sell a villa on rustic land in Mallorca. Read our step-by-step guide.
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Clauses to Review in a Sale with Guaranteed Rent Contract
Discover which clauses to review in a sale with guaranteed rent contract. Protect your property and avoid legal issues when signing.
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Property Appraisal vs Valuation: Key Differences
Understand the differences between a property appraisal and a valuation. Find out which document you need to apply for a mortgage or sell a home.
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Taxes when selling a high-value property
Discover the taxes applicable when selling a high-value property. We analyse IRPF, municipal capital gains tax and allowable deductions.
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Building licence or responsible declaration in Comunidad de Madrid
Building licence or responsible declaration in Comunidad de Madrid? Discover the differences, requirements and which procedure your building works or renovation require.
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How pricing is set in a sale with guaranteed rent
We explain how pricing is determined in a sale with guaranteed rent. Discover the factors that influence property valuation.
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Selling a Property in Spain as a Non-Resident: The 3% Withholding Tax
Selling your home in Spain as a non-resident? Find out how the 3% withholding tax works, who pays it, and how to claim a refund from AEAT.
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Land rezoning: how to process a planning amendment
Discover how to process land rezoning. Learn the steps, requirements, and phases for amending urban planning regulations.
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Selling your home to pay for a care home or care without moving out yet
Sell your home to pay for a care home or care fees without moving out. Access immediate liquidity while remaining in your property. Find out more here.
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Selling an off-market property: when it suits the owner
Discover when it suits an owner to sell their property off-market. Analyse the advantages of a discreet sale, privacy and speed.
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How to sell a luxury property: strategy, discretion and international buyers
Discover how to sell a luxury property. Real estate strategy, discreet management and techniques to attract international buyers.
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What happens if your landlord sells the property you rent?
What happens if the property you rent is sold? Understand your rights as a tenant, what happens to your contract, and whether you can be evicted.
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Selling land: taxes and valuation methods
Discover which taxes apply when selling land and how its market value is calculated. A guide to the key factors for pricing land.
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Rent Adjustment: CPI, Reference Index and Caps
Find out how to adjust rental payments using the CPI and the reference index. Understand the applicable legal caps and calculate the increase.
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Construction defects in new-build housing: time limits for claiming
Defects in your new-build property? Learn the legal time limits to claim for construction defects and enforce your rights in time. Find out more here.
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Land due diligence prior to purchase
Avoid risks when buying land. Perform land due diligence to assess legal, technical, and town-planning aspects before investing.
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How to check if a plot of land is buildable
Discover how to check if a plot of land is buildable. Review planning regulations, necessary documents and procedures to build risk-free.
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Which expenses are paid by the tenant and which by the new owner
Discover which expenses fall to the tenant and which must be assumed by the new owner when renting a property according to Spanish law.
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Illegally occupied property: legal routes to recover possession
Learn about the legal avenues to recover an illegally occupied property. Discover the necessary procedures to protect your real estate.
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Lifetime tenancy or fixed-term tenancy after selling your property
Sell your property and continue living in it with a lifetime or fixed-term tenancy. Gain liquidity without moving house. Find out more here.
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Gifting a property to a child: tax implications for parents and children
Discover the taxes parents and children pay when gifting a property in Spain. Learn how IRPF, municipal capital gains tax, and Gift Tax apply.
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Urban, developable and rural land: differences
Discover the differences between urban, developable and rural land. Learn what can be built on each plot according to current regulations.
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Tenancy Contract Duration After Selling Your House: What the LAU Says
Find out the tenancy contract duration if you sell your house. We explain the LAU regulations and what happens to tenant rights.
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Inheritance tax when inheriting a property in Madrid, Valencia, Balearic Islands and Aragon
Discover how inheritance tax affects inheriting a property in Madrid, Valencia, the Balearic Islands and Aragon. Review tax reliefs and reductions.
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Landowner non-joining of the compensation board: compulsory purchase and rights
Discover what choosing not to join a compensation board involves: the compulsory purchase process, legal alternatives, and defending your rights.
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Accepting an inheritance with benefit of inventory or renouncing it
Discover how to accept an inheritance with benefit of inventory or renounce it. Learn about your legal options and protect your personal assets.
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Urbanisation charges: what they are and what happens if they are not paid
Discover what urbanisation charges are and what happens if they are not paid. Learn about non-payment risks, surcharges, and legal consequences.
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Selling bare ownership with an outstanding mortgage
Discover whether it is possible to sell bare ownership with an outstanding mortgage. We explain how to clear the debt and the legal options step by step.
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Building works and renovations on a usufruct property: who decides and who pays
Who decides and pays for renovations on a usufruct property? Learn about the obligations of the usufructuary and bare owner under Spanish law.
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Land reparcellation project: what it is and how it affects your plot
Discover what a land reparcellation project is and how it affects your plot. Learn about its town planning effects, cost sharing and your rights.
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What Happens to Property in a Divorce: Sale, Extinction of Joint Ownership or Right of Use
Discover what happens to property in a divorce: options to sell the home, transfer ownership to one party, or award the right of use.
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Overpaying a mortgage: reduce monthly payments or loan term?
Overpaying your mortgage: reduce your monthly payments or term? Weigh up the pros and cons of each option and discover how to save on interest.
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Bare ownership, reverse mortgage and lifetime annuity: key differences
Discover the differences between bare ownership, reverse mortgages and lifetime annuities. Compare how each option works to monetise your home.
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What happens if a deposit contract is breached (buyer or seller)
Find out what happens if a deposit contract is breached. Penalties for buyer and seller: loss of deposit or double refund.
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Switching your mortgage to a new bank (creditor subrogation): steps and costs
Discover how to switch your mortgage to a new bank through creditor subrogation. Learn about the steps, costs and requirements to improve your current contract.
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Investing in bare ownership: profitability and risks for the buyer
Discover how to invest in bare ownership. We analyse profitability, risks for the buyer and key aspects of this real estate investment.
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Types of deposit agreement: penitential, confirmatory and penal
Learn about the types of deposit agreement: penitential, confirmatory and penal. Discover their differences and legal implications when buying or selling property.
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State guarantee for young people buying their first home: how it works
Discover how the state guarantee works for buying your first home as a young applicant. Learn about the eligibility requirements and application steps.
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Bare ownership and inheritance: how it affects children
Find out how bare ownership affects children's inheritance. We examine the rights, taxes and legal implications for heirs.
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How to calculate the rental yield of a flat
Learn how to calculate the gross and net yield of a rental flat. Understand the formula, expenses to include, and evaluate your property investment.
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Buying a property remotely: power of attorney and video viewings
Learn how to buy a property remotely using powers of attorney and video viewings. Discover how to acquire your home without travelling.
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What happens when the usufructuary dies: consolidation of ownership
Discover what happens when a usufructuary dies, how the consolidation of ownership takes place, and the steps to cancel a usufruct.
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Non-resident mortgage in Spain: requirements
Learn the requirements for applying for a non-resident mortgage in Spain. Review the necessary documentation and financing conditions.
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Buying a House in Spain as a Foreigner: NIE, Bank Account and Taxes
Guide to buying a house in Spain as a foreigner. Learn about NIE requirements, opening a bank account and the taxes you must pay.
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Mortgage valuation: what it is and what happens if it comes in lower than the purchase price
Discover what a mortgage valuation is and what happens if the bank values the property below the purchase price. Learn about the available solutions.
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Lifetime or temporary usufruct: differences when selling bare ownership
Lifetime or temporary usufruct? Discover the differences when selling bare ownership and how they affect the price and rights over the property.
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Buying a flat with a sitting tenant: what happens to the contract
Are you buying a flat with a tenant in place? Find out what happens to the tenancy agreement, tenant rights, and your legal obligations.
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Mortgage expenses: who pays what under Law 5/2019
Discover who pays mortgage expenses under Law 5/2019. Review the breakdown between lender and buyer for notary, registry, administrative agency and valuation fees.
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Bare ownership: who pays IBI, community fees and special assessments
Who pays IBI, community fees and special assessments in bare ownership? Discover how expenses are split between the usufructuary and bare owner.
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Mortgage discounts: how much they really cost
Discover how much mortgage discounts really cost. We analyse the impact of insurance and tied products on your monthly repayments.
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How usufruct is valued for tax purposes: the rule of 89 minus age
Calculate the tax value of a life usufruct by applying the 89 minus age rule. Discover how this property right is taxed under Spanish law.
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Buying off-plan property: risks and protection of advance payments
Discover the risks of buying off-plan property and how to safeguard your advance payments under Spanish law. Protect your investment.
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TIN and TAE in a mortgage: differences and which one to look at
Learn the differences between TIN and TAE in a mortgage. Discover what each includes and which one you should look at to find the real cost.
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Costs of Buying a Second-Hand Property: ITP, Notary, Land Registry and Gestoría Fees
Discover the costs of buying a second-hand property: ITP tax, notary fees, land registry and gestoría. Calculate the total cost of the transaction.
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Registering declassification in the Land Registry
Discover how to register VPO declassification in the Land Registry. Requirements, necessary documents and steps to complete the process.
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How to Negotiate the Price of a Property
Discover practical techniques for negotiating property prices. Learn how to value real estate, submit your offer and secure a fair price reduction.
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Buying a Second-Hand VPO in Madrid: Buyer Requirements
Discover the requirements for buying a second-hand VPO in Madrid. Learn about income limits, main residence obligations and administrative procedures.
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Fixed, variable or mixed mortgage: how to choose
Find out whether a fixed, variable or mixed mortgage suits you best. Compare their benefits, analyse your financial profile and choose the right option.
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Decreto de vivienda: prórroga del alquiler, subida de 2026 y qué cambia si alquilas, vendes o compras
¿Está aprobado el decreto de vivienda? Prórroga del alquiler 2 años, subida máxima del 2 % e IRAV. Qué cambia para propietarios y compradores.
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Renting a VPO in Madrid: requirements and authorisation
Discover the requirements for renting a VPO in Madrid. Learn about the legal process, required documentation and how to request authorisation.
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How to Read a Land Registry Extract (Nota Simple)
Learn how to interpret a Land Registry extract (nota simple) step by step. Discover what encumbrances, ownership details and property data mean.
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FEIN, FiAE and notary deed: mandatory documents for your mortgage
Learn about the FEIN, FiAE and notarial document: mandatory documents to review before signing your mortgage, and what information they include.
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I cannot pay my mortgage: options before foreclosure
Discover what to do if you cannot pay your mortgage. Learn about the legal and financial alternatives to avoid mortgage foreclosure and repossession.
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What to Check When Viewing a Flat: Buyer's Checklist
Buying a property? Review this checklist before deciding: condition of services, light, noise levels and communal areas. Avoid surprises.
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VPO and divorce: what happens to protected housing
Find out what happens to a VPO during a divorce: allocation of use, transfer of ownership and requirements for selling protected housing.
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How to buy a property step by step: from search to completion at the notary
Discover how to buy a property step by step. We guide you through the entire process: property search, mortgage application and notary procedures.
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Maximum sale price of a VPO in Madrid: how it is calculated
Discover how the maximum sale price of a VPO in Madrid is calculated. Check the regulations, official module rates and key factors.
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Selling a Property with Charges: How to Identify and Discharge Them
Discover how to sell a property with charges. Learn how to identify them on the Nota Simple and understand the procedures to discharge them before completion.
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Selling and buying a home at the same time: how to coordinate both transactions
Chaining sale and purchase: deposit agreements, deadlines, new mortgage and bridging products. Notary and bank coordination.
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Home staging: how to prepare your property for sale
Order, lighting, photos and minor improvements before listing. A practical checklist without false promises of boosted value.
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Energy performance certificate for selling a property: who issues it, validity and penalties
Mandatory energy label when advertising: who issues it, certificate validity and the risks of advertising without it.
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Selling a rented property: tenant rights and the right of first refusal
Right of first refusal, right of redemption and active contracts when selling with a tenant. LAU rules, estimated timeframes and buyer coordination.
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Sales mandate agreement: what it is and what it must include
Mandate agreement, fees, sole agency vs open agency, duration and property details. What to check before signing with an estate agency.
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Sole agency agreement with an estate agency: clauses, duration and how to terminate it
What sole agency means in a sales mandate, typical duration, fees and how to terminate without surprises. Reviewing the contract.
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My flat isn't selling: common causes and how to fix them
Flat with no viewings or offers: review price, listing, documentation and real feedback before blindly lowering the price.
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Selling a property under attachment: what to do before signing
Preliminary steps to selling a property under attachment: Land Registry extract, creditors, lifting charges, and notary coordination. General guidance.
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What is a compensation board and how does it work?
What an urban compensation board is, what it does with land, and what it means for property owners under compensation systems.
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Inheritance: What to Do If a Sibling Refuses to Sell the House
Options when a co-heir refuses to sell: dialogue, allocation, division of common property, and when to hire a solicitor.
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Extinction of Joint Ownership: What It Is, Taxes, and When It Makes Sense
What extinguishing joint ownership of a property means, when it is used, and which taxes to review with a professional.
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What a mortgage credit intermediary is and how to check they are registered
What an ICI does, why registration matters and how to check they operate under Law 5/2019 before signing.
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Sale with guaranteed rent and IRPF: exemption for over-65s
How the IRPF primary residence exemption (over-65s) applies to a sale with guaranteed rent. Guidance, not tax advice.
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Taxes when selling bare ownership: IRPF and exemption for over-65s
IRPF capital gains tax and municipal capital gains tax when transferring bare ownership, and when the main residence exemption for over-65s applies.
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Cadastral reference value: what it is, where to check it and how to appeal against it
What the cadastral reference value is, which taxes it applies to, where to check it and standard options if you disagree with it.
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What subsidies must be repaid to disqualify a VPO (and with what interest)
What repaying subsidies and legal interest involves in a voluntary disqualification of a VPO/VPP in the Comunidad de Madrid.
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When a VPO can be disqualified in Madrid: 15 years from final qualification
The 15-year requirement from final qualification and scenarios that do not allow voluntary disqualification in the Comunidad de Madrid.
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Personal Income Tax (IRPF) on selling a property: capital gains, deductible expenses and exemptions
Capital gains in IRPF when selling a property: what is compared, standard expenses and exemptions to assess for your case (reinvestment, over-65s).
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Municipal capital gains tax: how it is calculated, Madrid and when it is not payable
How to calculate municipal capital gains tax (IIVTNU): objective and real methods, specific rules in Madrid, inheritances and when no tax may be due.
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How Long Does It Take to Sell a Flat and What Factors Delay It?
What speeds up or delays selling a flat: price, location, condition, demand, and marketing. Real insights without made-up deadlines.
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How much rent is paid after selling with guaranteed rent
What is negotiated in the rent following a sale with guaranteed rent and why there is no single published rate.
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Sale with guaranteed rent vs bare ownership: key differences
Two liquidity solutions without immediate relocation: how ownership, rent and time horizon differ.
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What is sale with guaranteed rent and how does it work?
Property sale and leaseback explained: sell, receive the funds, and continue living in the home as a tenant as agreed.
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Advantages and disadvantages of selling bare ownership
Liquidity, residence and limits: a balanced guide to deciding whether bare ownership suits your case.
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How the price of bare ownership of a property is calculated
Which variables influence the value of bare ownership (age, usufruct, market conditions) without made-up formulas.
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Bare ownership vs sale with guaranteed rent: key differences
A comparison between selling bare ownership and a sale with guaranteed rent based on liquidity, residence and owner profile.
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What is bare ownership and how does it work? (For over-65s)
What are bare ownership and usufruct: how selling, inheritance and indicative calculations work, and when it fits. Clear guide with Sky Real Estate.
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Difference between inheritance and legacy for a property
A clear explanation of inheritance and legacies when the asset is a property, tailored for heirs without unnecessary jargon.
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What to Review Legally Before Signing a Deposit Contract
Critical clauses in deposit agreements: type of deposit, deadlines, encumbrances, property condition, and consequences of withdrawal.
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Inheriting a property: legal steps before you can sell it
Acceptance of inheritance, adjudication and registration: the usual sequence before putting an inherited property up for sale.
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Hidden defects when buying a property: what they are and how to make a claim
What constitutes a hidden defect in a property sale, key timeframes under the Civil Code and why legal advice is recommended.
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What costs are involved in selling a property with a mortgage?
Municipal capital gains tax, personal income tax, early repayment fees and other common costs when selling a property with an active mortgage.
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Mortgage debt write-off: what it involves and how to negotiate it with the bank
What a mortgage debt write-off is, why it is not automatic, and how to prepare a serious negotiation with the lender.
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Dation in payment: what it is, when banks accept it and the consequences
A clear explanation of mortgage dation in payment, its exceptional nature, and what to consider before requesting it.
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Mortgage transfer to the buyer: what it is and when it is possible
What it means for a buyer to take over the seller's mortgage, bank requirements and available alternatives.
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Can you sell a house with an outstanding mortgage: step by step
How a mortgage is cancelled during a sale, the role of the bank, and what happens if the sale price does not cover the debt.
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Consolidating debt with a mortgage: advantages, risks and when it makes sense
How debt consolidation via a mortgage works, the risks involved, and which profiles may benefit from exploring it.
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Mortgages for the self-employed: what banks require and how to improve your options
Documentation and income stability usually reviewed by lenders for self-employed applicants, and how to prepare your file.
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Switching from a variable to a fixed mortgage in 2026: is it worth it?
What to consider when modifying or switching from a variable to a fixed mortgage in 2026: interest rate, fees, remaining term and risk profile.
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100% Mortgage Without a Guarantor: Real Requirements
What lenders typically require to finance close to 100% without a guarantor and why it is not a universal offer.
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How much mortgage you can borrow based on your salary: borrowing capacity
How banks assess borrowing capacity and what variables matter besides salary. Guidance, not a magic figure.
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Off-market properties: what they are and how to access them
What off-market means in the Spanish market, how these opportunities arise, and what role a PSI can play.
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How to choose a good personal property shopper
Signs of a good PSI: clear mandate, area expertise, property screening, negotiation, and legal and mortgage coordination.
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Property personal shopper vs traditional agent: key differences
Who represents whom, how fees are charged, and why a buyer-only mandate transforms the buying process.
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How much does a property personal shopper cost in Spain?
How a PSI is usually charged (fixed fee vs percentage), what the buyer-only mandate includes, and what questions to ask before hiring one.
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Declassifying a VPO on your own or with a manager: which pays off
A practical comparison between handling VPO declassification in Madrid on your own or with professional support.
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Documentation for VPO disqualification in Madrid (checklist)
Indicative list of common documentation for VPO/VPP disqualification files in the Comunidad de Madrid. Each case requires review.
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I have inherited a VPO property in Madrid: can I sell it?
Legal and administrative steps required when inheriting a VPO in Madrid before considering sale or disqualification.
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VPO, VPPB and VPPL: Differences and what they mean for your property in Madrid
A clear guide to protected housing schemes in the Comunidad de Madrid and why the classification matters when selling or disqualifying your property.
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Can a VPO be sold without disqualifying it?
When protected housing in Madrid can be transferred without prior disqualification and which legal limits usually apply.
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How Long Does VPO Disqualification Take in Madrid?
What determines the VPO/VPP disqualification timeframe in the Comunidad de Madrid and why there is no single figure for all cases.
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How much it costs to sell a property in Spain: commission, plusvalía, IRPF and other costs
What costs sellers usually pay: agency fees, municipal plusvalía, IRPF, mortgage cancellation and certificates. No made-up figures.
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Documents required to sell your property (checklist)
Checklist of essential documents for selling property in Spain: land registry extract (nota simple), IBI, community fee certificate, occupancy certificate, energy certificate and more.
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Selling a flat without an estate agent: advantages, risks and when it pays off
When it makes sense to sell on your own, the risks involved in viewings, pricing and contracts, and when using an estate agent is worthwhile.
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How to choose the best estate agency to sell your flat: what to look for before signing
Real criteria for choosing an estate agency when selling: agreement type, marketing, fees, local area knowledge and legal support. No empty promises.
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