Propertyblog
Practical articles on selling, buying and financing in Madrid, Mallorca, Valencia and Zaragoza.
How much rent is paid after selling with guaranteed rent?
What is negotiated regarding rent after 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 options without an immediate move: key differences in ownership, rent and time horizon.
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What is a sale with guaranteed rent and how does it work
Property sale and leaseback explained: sell, release equity and remain living in your home as a tenant as agreed.
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Advantages and disadvantages of selling bare ownership
Liquidity, residency and limits: a balanced read to help you decide if bare ownership is right for you.
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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) 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 profile.
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What is bare ownership and how does it work (for over-65s)
Bare ownership and usufruct clearly explained: release equity without moving out, and what to negotiate before signing.
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The Difference Between an Inheritance and a Legacy for a Property
A clear explanation of an inheritance versus a legacy when the asset is a property, aimed at beneficiaries without unnecessary jargon.
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What to review legally before signing a deposit contract
Critical clauses in deposit contracts: type of agreement, deadlines, encumbrances, property condition, and withdrawal consequences.
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Inheriting a Property: Legal Steps Before You Can Sell It
Acceptance of inheritance, allocation, and registration: the usual sequence before putting an inherited property up for sale.
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Hidden defects when buying property: what they are and how to claim
What constitutes a hidden defect in a property sale, key Civil Code deadlines and why legal advice is essential.
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What costs are involved in selling a house with a mortgage?
Plusvalía tax, IRPF, early cancellation 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 with your bank
What a mortgage debt write-off is, why it is not automatic, and how to prepare for a serious negotiation with your 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 taking over the seller's mortgage involves, bank requirements and possible alternatives.
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Can you sell a property with an outstanding mortgage? A step-by-step guide
How a mortgage is redeemed during a sale, the bank's role, and what happens if the sale price does not cover the outstanding debt.
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Consolidating Debt into a Mortgage: Advantages, Risks and When It Makes Sense
How debt consolidation via a mortgage works, what risks are involved, and which borrower profiles should consider it.
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Mortgages for the self-employed: what banks ask for and how to improve your options
Documentation and income stability that lenders usually review for self-employed applicants, and how to prepare your mortgage file.
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Switching from a variable to a fixed-rate mortgage in 2026: is it worth it?
What to consider when renegotiating or switching from a variable to a fixed rate in 2026: rates, fees, remaining term and risk profile.
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100% mortgage without a guarantor: real requirements
What lenders usually 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 which variables matter alongside salary. Practical 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 property market, how these opportunities arise, and what role a PSI can play.
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How to Choose a Good Personal Shopper Inmobiliario
Signs of a good PSI: clear mandate, local area expertise, property filtering, negotiation, and legal and mortgage coordination.
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Property personal shopper vs traditional agent: key differences
Who represents whom, how fees work, and why a buyer-only mandate transforms the purchasing process.
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How Much Does a Personal Property Finder Cost in Spain?
How a PSI typically charges (fixed fee vs percentage), what a buyer-only mandate includes, and key questions to ask before hiring one.
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Disqualifying a VPO on your own or with a specialist: which is worth it?
A practical comparison between processing VPO disqualification in Madrid on your own or with professional support.
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Documentation for VPO disqualification in Madrid (checklist)
An indicative checklist of standard documentation for VPO/VPP disqualification files in the Comunidad de Madrid. Every case requires individual review.
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I have inherited a VPO property in Madrid: can I sell it?
Legal and administrative steps usually required when inheriting a VPO property in Madrid before considering a sale or disqualification.
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VPO, VPPB and VPPL: differences and what they mean for your property in Madrid
A clear glossary of protected housing schemes in the Comunidad de Madrid and why the scheme matters when selling or disqualifying.
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Can you sell a VPO 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 timeframe for VPO/VPP disqualification in the Comunidad de Madrid and why there is no single figure that applies to all cases.
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How Much Does It Cost to Sell a House in Spain: Commission, Plusvalía, IRPF and Other Expenses
Expenses typically paid by the seller: agency fees, municipal plusvalía, IRPF, mortgage cancellation and certificates. Clear facts, no made-up figures.
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What documentation you need to sell your property (checklist)
Checklist of standard documents for a property sale in Spain: nota simple, IBI, owners' community, occupancy certificate, energy certificate and more.
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Selling a flat without an estate agent: benefits, risks and when it is worth it
When it makes sense to sell on your own, the risks involved with viewings, pricing and contracts, and when using an estate agent pays off.
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How to choose the best estate agency to sell your flat: what to check before signing
Practical criteria for choosing an estate agency when selling: representation agreement, marketing, fees, local knowledge and legal support. No empty promises.
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