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    News

    2024-06-09
    Understanding Spanish Property, Taxes, Documents and Law. IBI Tax and Catastro explained for normal people. Being a Property owner in Spain implies that you must pay taxes, just like you would in any other country. In Spain residents and non-residents must pay a tax known as the Impuesto sobre Bienes Inmuebles or IBI apart from the Inputted income Tax and/or Rental Tax. In this brief article we are going to explain what IBI is. What is the IBI? IBI is a Council tax that all Property owners in Spain have to pay and this tax is used by the local Town Halls to pay for all those infrastructures we use on a daily basis. So when you are sitting on a park bench or using that new cycle lane the Town Hall has invested in, you know where the money came from. How does the IBI get calculated? To calculate the amount of IBI and imputed income tax to pay the value known as the VALOR CATASTRAL is used. So if IBI is calculated using the Valor Catastral (Catastral Value). How is the Valor Catastral Calculated? The Valor Catastral reflects the value or proportional part of the value of the land the property is located in (apartments and flats also have a proportional part of land) and also takes into account  the value of the building itself including construction costs, improvements, location, size, condition, etcetera. This Valor Catastral can never be higher than the Market Value of the Property, fact is that it is usually much lower than the Market or Sales Value of the Property. This value is registered in the Oficina Catastral or Catastro whose office is found usually inside or close to the Town Hall but you can also get Catastro details Online. Note that the Catastro Office is not the Land Registry Office, they are two different entities, and this can lead to some confusion. To easiest way to know the Catastral value of your property is to look at your IBI receipt, you’ll find it on the top part close to the fields that correspond to the receipt number. Revisions and changes in Valor Catastral. Every 10 years this value gets revised and renewed on a local area basis, sometimes though, some properties and areas have not had their Catastral Value revised every 10 years. If you have made changes to your property the valor Catastral should be revised too. In case you decide to do some building work and not ask for licenses, something that is very common in this area, be aware that what Town Halls are now using drones to take photographs of properties and then using human sight or software to detect changes to the property. In case changes are detected you will get a fine and probably be made to pay not only the difference in this year’s IBI but the difference four years back plus a little fine. IBI and Catastral Value implications when selling a Property.   IBI payments have to be up-to-date to be able to sell the property. If the IBI bill has not been issued before the day you officially sell the property then the person that pays the IBI bill has to be the person that was the owner of the property on the 1st of January of that same year. So if a house is sold on the 2nd of February the previous Property owner would be legally obliged to pay that year’s IBI tax. Also care must be taken, the Catastral registry data and description should match the Land registry data and description. It is your Real Estate Agent’s obligation to check this and inform you when selling the house. If there are differences, and it’s not uncommon at all to find differences, you could easily run into problems when in the Notary and the Property will not sell until this is solved by the Property Owner. That is one of the reasons you should opt-out of Estate agents that are just holding keys for houses and choose an Estate Agent that understands The Spanish Property Laws and Obligations fully. At Arrando we are registered Spanish API agents that do our best to inform and keep our clients informed of all these things and much more. We are friendly, speak English and Spanish and are completely obsessed with helping out clients whatever their property needs may be.
    Read more...
    2024-04-29
    If what you are looking for is to save money, the option of buying bank-owned houses can be your best ally. When you buy a bank house you are buying a perfectly legal home and with the same legal conditions as any other New Construction or Second Hand home. These homes are usually below their market value, in some cases in excellent condition without having even been used and, as is usually the case in most cases, in need of minor renovations. Even with these possible reforms, they are usually very worth it. Are you worried about buying a bank-owned property? We understand you, you don't need to look any further. With Arrando you buy directly from the bank but with the added security of working with Chartered Agents and Civil Mediators registered with the Ministry of Justice. We are going to look after your interests like no one else.
    Read more...
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    Send this form with your name and phone number and we will contact you as soon as possible.
    By ticking the confirmation box, you confirm that you have read, understand, and agree to the terms of the Privacy Policy outlined and linked located at this [LINK].

    Responsable: José María Arrando

    Finalidad: To send information about real estate that match the requirements of the client presented by filling this form.

    Legitimación: To implement pre-contract measures to the clients request (budget request or information about our professional services).

    Destinatarios: This data will arrive at the office and there is no expected data transfer if not for legal obligation.

    Derechos: You may use your right to access, modify, suppress, oppose, transfer or withdraw your consent on your personal data through the email XXXXXX@XXXXXXX.es

    Pursuant to the provisions of Law 34/2002 on Information Society Services and Electronic Commerce, it is reported that the owner of the website is ARRANDO REAL ESTATE, S.L. (hereinafter ARRANDO REAL ESTATE), CIF: B44653731. Address: Av. Dr. Pedro Guillén, 5 Puerta 107, 30100 Murcia (Murcia)., and registered in the Commercial Registry of Murcia Volume 3619 Folio 198 Page 109541. ARRANDO REAL ESTATE reserves the right to modify the presentation, configuration at any time and location of the website, as well as the contents, products and services contained therein. Access, navigation and use of the Website entails and implies acceptance by the User of these General Conditions: When for access to certain content or for the use of any service it is necessary to provide personal data, users will guarantee its veracity. , accuracy, authenticity and validity, being responsible for any damage or loss, direct or indirect, that may be caused as a consequence of failure to comply with such obligation. In the event that the data provided belongs to a third party, you guarantee that you have informed said third party of the aspects contained in this Policy and have obtained their authorization to provide your data to ARRANDO REAL ESTATE. We inform you that ARRANDO REAL ESTATE may use cookies and other common invisible systems on its WEBSITE, through which information on the frequency of visits, more selected content, geographical location, and other data can be obtained in order to optimize and improve the navigation through the website.

    INTELLECTUAL PROPERTY

    All the elements that make up the website, as well as its structure, design, source code, as well as the logos, brands and other distinctive signs that appear therein, are the property of ARRANDO REAL ESTATE and are protected by the corresponding property rights. intellectual and industrial.

    The images and other graphic elements contained on the website are also protected by the corresponding intellectual and industrial property rights. The use by third parties of any other mechanisms that alter the design, original configuration or contents of our website is expressly prohibited. The use of the content must respect its particular license. Therefore, its use, reproduction, distribution, public communication, transformation or any other similar or analogous activity is totally prohibited. Only total or partial reproduction of the texts and content provided by the website is authorized, provided that each and every one of the following conditions are met: The integrity of the contents, documents or graphics is maintained; ARRANDO REAL ESTATE is expressly cited as the source and origin of those and no commercial use unrelated to ARRANDO REAL ESTATE is intended. Any other use must be previously and expressly communicated and authorized by ARRANDO REAL ESTATE. The contents incorporated into the website have been prepared at all times in good faith with the purpose of providing information to users, so the company does not assume any type of responsibility regarding the integrity or accuracy of the aforementioned information nor does it guarantee its accuracy. nor the updating of the information that can be obtained from it, which may be modified without prior notice. Nor is it responsible for any typographical, formal or numerical errors it may contain.

    APPLICABLE LAW AND JURISDITION

    The applicable law in the event of a dispute or conflict of interpretation of the terms that make up this Legal Notice, as well as any issue related to the services of this Portal, will be Spanish law. For the resolution of any conflict that may arise during the visit to the Website or the use of the services that may be offered therein, ARRANDO REAL ESTATE and the User agree to submit to the Judges and Courts of Murcia, Spain. For more information read our Privacy Policy.

    Responsable: José María Arrando

    Finalidad: To send information about your property to the real estate agency so it can evaluate if it will offer your property to its clients to try to sell or rent it.

    Legitimación: The legitimacy is based on the consent you gave us when clicking the button “I accept the data protection policy”.

    Destinatarios: The client’s data won’t be transferred to anyone, if not for legal obligation. The real estate’s data might be delivered to collaborating real estate agencies or published on web pages and real estate portals.

    Derechos: You may use your right to access, modify, suppress, oppose, transfer or withdraw your consent on your personal data through the email XXXXXX@XXXXXXX.es

    Pursuant to the provisions of Law 34/2002 on Information Society Services and Electronic Commerce, it is reported that the owner of the website is ARRANDO REAL ESTATE, S.L. (hereinafter ARRANDO REAL ESTATE), CIF: B44653731. Address: Av. Dr. Pedro Guillén, 5 Puerta 107, 30100 Murcia (Murcia)., and registered in the Commercial Registry of Murcia Volume 3619 Folio 198 Page 109541. ARRANDO REAL ESTATE reserves the right to modify the presentation, configuration at any time and location of the website, as well as the contents, products and services contained therein. Access, navigation and use of the Website entails and implies acceptance by the User of these General Conditions: When for access to certain content or for the use of any service it is necessary to provide personal data, users will guarantee its veracity. , accuracy, authenticity and validity, being responsible for any damage or loss, direct or indirect, that may be caused as a consequence of failure to comply with such obligation. In the event that the data provided belongs to a third party, you guarantee that you have informed said third party of the aspects contained in this Policy and have obtained their authorization to provide your data to ARRANDO REAL ESTATE. We inform you that ARRANDO REAL ESTATE may use cookies and other common invisible systems on its WEBSITE, through which information on the frequency of visits, more selected content, geographical location, and other data can be obtained in order to optimize and improve the navigation through the website.

    INTELLECTUAL PROPERTY

    All the elements that make up the website, as well as its structure, design, source code, as well as the logos, brands and other distinctive signs that appear therein, are the property of ARRANDO REAL ESTATE and are protected by the corresponding property rights. intellectual and industrial.

    The images and other graphic elements contained on the website are also protected by the corresponding intellectual and industrial property rights. The use by third parties of any other mechanisms that alter the design, original configuration or contents of our website is expressly prohibited. The use of the content must respect its particular license. Therefore, its use, reproduction, distribution, public communication, transformation or any other similar or analogous activity is totally prohibited. Only total or partial reproduction of the texts and content provided by the website is authorized, provided that each and every one of the following conditions are met: The integrity of the contents, documents or graphics is maintained; ARRANDO REAL ESTATE is expressly cited as the source and origin of those and no commercial use unrelated to ARRANDO REAL ESTATE is intended. Any other use must be previously and expressly communicated and authorized by ARRANDO REAL ESTATE. The contents incorporated into the website have been prepared at all times in good faith with the purpose of providing information to users, so the company does not assume any type of responsibility regarding the integrity or accuracy of the aforementioned information nor does it guarantee its accuracy. nor the updating of the information that can be obtained from it, which may be modified without prior notice. Nor is it responsible for any typographical, formal or numerical errors it may contain.

    APPLICABLE LAW AND JURISDITION

    The applicable law in the event of a dispute or conflict of interpretation of the terms that make up this Legal Notice, as well as any issue related to the services of this Portal, will be Spanish law. For the resolution of any conflict that may arise during the visit to the Website or the use of the services that may be offered therein, ARRANDO REAL ESTATE and the User agree to submit to the Judges and Courts of Murcia, Spain. For more information read our Privacy Policy.

    Responsable: José María Arrando

    Finalidad: To handle information requests through the website, aiming to offer real estate professional services and to give information about what’s requested.

    Legitimación: The legitimacy is based on the consent you gave us when clicking the button “I accept the data protection policy”.

    Destinatarios: Your data won’t be transferred to anyone, if not for legal obligation.

    Derechos: You may use your right to access, modify, suppress, oppose, transfer or withdraw your consent on your personal data through the email XXXXXX@XXXXXXX.es

    Pursuant to the provisions of Law 34/2002 on Information Society Services and Electronic Commerce, it is reported that the owner of the website is ARRANDO REAL ESTATE, S.L. (hereinafter ARRANDO REAL ESTATE), CIF: B44653731. Address: Av. Dr. Pedro Guillén, 5 Puerta 107, 30100 Murcia (Murcia)., and registered in the Commercial Registry of Murcia Volume 3619 Folio 198 Page 109541. ARRANDO REAL ESTATE reserves the right to modify the presentation, configuration at any time and location of the website, as well as the contents, products and services contained therein. Access, navigation and use of the Website entails and implies acceptance by the User of these General Conditions: When for access to certain content or for the use of any service it is necessary to provide personal data, users will guarantee its veracity. , accuracy, authenticity and validity, being responsible for any damage or loss, direct or indirect, that may be caused as a consequence of failure to comply with such obligation. In the event that the data provided belongs to a third party, you guarantee that you have informed said third party of the aspects contained in this Policy and have obtained their authorization to provide your data to ARRANDO REAL ESTATE. We inform you that ARRANDO REAL ESTATE may use cookies and other common invisible systems on its WEBSITE, through which information on the frequency of visits, more selected content, geographical location, and other data can be obtained in order to optimize and improve the navigation through the website.

    INTELLECTUAL PROPERTY

    All the elements that make up the website, as well as its structure, design, source code, as well as the logos, brands and other distinctive signs that appear therein, are the property of ARRANDO REAL ESTATE and are protected by the corresponding property rights. intellectual and industrial.

    The images and other graphic elements contained on the website are also protected by the corresponding intellectual and industrial property rights. The use by third parties of any other mechanisms that alter the design, original configuration or contents of our website is expressly prohibited. The use of the content must respect its particular license. Therefore, its use, reproduction, distribution, public communication, transformation or any other similar or analogous activity is totally prohibited. Only total or partial reproduction of the texts and content provided by the website is authorized, provided that each and every one of the following conditions are met: The integrity of the contents, documents or graphics is maintained; ARRANDO REAL ESTATE is expressly cited as the source and origin of those and no commercial use unrelated to ARRANDO REAL ESTATE is intended. Any other use must be previously and expressly communicated and authorized by ARRANDO REAL ESTATE. The contents incorporated into the website have been prepared at all times in good faith with the purpose of providing information to users, so the company does not assume any type of responsibility regarding the integrity or accuracy of the aforementioned information nor does it guarantee its accuracy. nor the updating of the information that can be obtained from it, which may be modified without prior notice. Nor is it responsible for any typographical, formal or numerical errors it may contain.

    APPLICABLE LAW AND JURISDITION

    The applicable law in the event of a dispute or conflict of interpretation of the terms that make up this Legal Notice, as well as any issue related to the services of this Portal, will be Spanish law. For the resolution of any conflict that may arise during the visit to the Website or the use of the services that may be offered therein, ARRANDO REAL ESTATE and the User agree to submit to the Judges and Courts of Murcia, Spain. For more information read our Privacy Policy.

    Responsable: José María Arrando

    Finalidad: To handle information requests through the website, aiming to offer real estate professional services and to give information about what’s requested.

    Legitimación: The legitimacy is based on the consent you gave us when clicking the button “I accept the data protection policy”.

    Destinatarios: Your data won’t be transferred to anyone, if not for legal obligation.

    Derechos: You may use your right to access, modify, suppress, oppose, transfer or withdraw your consent on your personal data through the email XXXXXX@XXXXXXX.es

    Pursuant to the provisions of Law 34/2002 on Information Society Services and Electronic Commerce, it is reported that the owner of the website is ARRANDO REAL ESTATE, S.L. (hereinafter ARRANDO REAL ESTATE), CIF: B44653731. Address: Av. Dr. Pedro Guillén, 5 Puerta 107, 30100 Murcia (Murcia)., and registered in the Commercial Registry of Murcia Volume 3619 Folio 198 Page 109541. ARRANDO REAL ESTATE reserves the right to modify the presentation, configuration at any time and location of the website, as well as the contents, products and services contained therein. Access, navigation and use of the Website entails and implies acceptance by the User of these General Conditions: When for access to certain content or for the use of any service it is necessary to provide personal data, users will guarantee its veracity. , accuracy, authenticity and validity, being responsible for any damage or loss, direct or indirect, that may be caused as a consequence of failure to comply with such obligation. In the event that the data provided belongs to a third party, you guarantee that you have informed said third party of the aspects contained in this Policy and have obtained their authorization to provide your data to ARRANDO REAL ESTATE. We inform you that ARRANDO REAL ESTATE may use cookies and other common invisible systems on its WEBSITE, through which information on the frequency of visits, more selected content, geographical location, and other data can be obtained in order to optimize and improve the navigation through the website.

    INTELLECTUAL PROPERTY

    All the elements that make up the website, as well as its structure, design, source code, as well as the logos, brands and other distinctive signs that appear therein, are the property of ARRANDO REAL ESTATE and are protected by the corresponding property rights. intellectual and industrial.

    The images and other graphic elements contained on the website are also protected by the corresponding intellectual and industrial property rights. The use by third parties of any other mechanisms that alter the design, original configuration or contents of our website is expressly prohibited. The use of the content must respect its particular license. Therefore, its use, reproduction, distribution, public communication, transformation or any other similar or analogous activity is totally prohibited. Only total or partial reproduction of the texts and content provided by the website is authorized, provided that each and every one of the following conditions are met: The integrity of the contents, documents or graphics is maintained; ARRANDO REAL ESTATE is expressly cited as the source and origin of those and no commercial use unrelated to ARRANDO REAL ESTATE is intended. Any other use must be previously and expressly communicated and authorized by ARRANDO REAL ESTATE. The contents incorporated into the website have been prepared at all times in good faith with the purpose of providing information to users, so the company does not assume any type of responsibility regarding the integrity or accuracy of the aforementioned information nor does it guarantee its accuracy. nor the updating of the information that can be obtained from it, which may be modified without prior notice. Nor is it responsible for any typographical, formal or numerical errors it may contain.

    APPLICABLE LAW AND JURISDITION

    The applicable law in the event of a dispute or conflict of interpretation of the terms that make up this Legal Notice, as well as any issue related to the services of this Portal, will be Spanish law. For the resolution of any conflict that may arise during the visit to the Website or the use of the services that may be offered therein, ARRANDO REAL ESTATE and the User agree to submit to the Judges and Courts of Murcia, Spain. For more information read our Privacy Policy.
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    By ticking the confirmation box, you confirm that you have read, understand, and agree to the terms of the Privacy Policy outlined and linked located at this [LINK].
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    By ticking the confirmation box, you confirm that you have read, understand, and agree to the terms of the Privacy Policy outlined and linked located at this [LINK].
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