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Seems it's now safe to buy in Spain!

Seems it's now safe to buy in Spain!

Old Feb 18th 2011, 9:16 am
  #46  
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Default Re: Seems it's now safe to buy in Spain!

The one I like is,

'Living well is the best revenge.'
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Old Feb 18th 2011, 9:39 am
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Default Re: Seems it's now safe to buy in Spain!

Originally Posted by JLFS
I could have got the wrong end of the stick when I read this reply, if so I apologise for my mistake.
I took it that you were saying that the "malpractice insurance" being discussed was a new development and that it did not exist until very recently.

I know it was not you who originally siad that the insurance did not exist, it was whitelinen, and maybe I was mistaken in my reading of your post and took it to mean that you trying to say that it exists now, but only recently.

I cant see what else you meant by your above post, I only have my own interpretation of the meaning, so perhaps you could explain what you did mean.
Must admit I was taking the P a bit there. Afraid that's an old habit of mine. Cant resist when I think people are a bit 'uppity' as my mother used to say. I know it's a bit mean. but you do fall into it very easily JF Your input is very much appreciated useful and sensible, but your tone can be a bit lecturing (my opinion only). Actually I think I'm just as bad, which is why we rub each other up the wrong way maybe.
It wasn't me that originally said it didn't exist, and I haven't had any problem with my Spanish lawyer who is a personal friend. But I have heard plenty of horror stories and as far as many expats go, this malpractice insurance is new information. As you say people should look very carefully before they choose a lawyer, this also applies to estate agents, a tradesman or whatever. Most of us non-native speakers I imagine have got our fingers burned on at least one occasion..... I have!.
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Old Feb 18th 2011, 9:45 am
  #48  
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Default Re: Seems it's now safe to buy in Spain!

Originally Posted by steviedeluxe
I see coastal properties in England are now not the investment they used to be.... maybe renting is the best option in both countries??!!!!

http://www.bbc.co.uk/news/uk-england-devon-12425776
Anyone who buys or builds a property within half a mile of a cliff edge, especially on the East coast of England, needs their brains examining.

I would say that buying is generally a better permanent option than renting, subject of course and most important of all, to getting the timing just right.

Though its beginning to look quite attractive at present, it appears that it may be even more attractive in 12 months time, as it seems the market may well bottom out even later than many were forecasting, even just a year ago.
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Old Feb 18th 2011, 11:53 am
  #49  
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Default Re: Seems it's now safe to buy in Spain!

Originally Posted by angiescarr
Must admit I was taking the P a bit there. Afraid that's an old habit of mine. Cant resist when I think people are a bit 'uppity' as my mother used to say. I know it's a bit mean. but you do fall into it very easily JF Your input is very much appreciated useful and sensible, but your tone can be a bit lecturing (my opinion only). Actually I think I'm just as bad, which is why we rub each other up the wrong way maybe.
It wasn't me that originally said it didn't exist, and I haven't had any problem with my Spanish lawyer who is a personal friend. But I have heard plenty of horror stories and as far as many expats go, this malpractice insurance is new information. As you say people should look very carefully before they choose a lawyer, this also applies to estate agents, a tradesman or whatever. Most of us non-native speakers I imagine have got our fingers burned on at least one occasion..... I have!.
So what you are really saying is theat I am a grumpy barsteward and you are a battleaxe.........

WELL........

So my final word on the subject: I think that we will have to agree to agree.

Because you are not wrong.
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Old Feb 18th 2011, 3:36 pm
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Default Re: Seems it's now safe to buy in Spain!

Originally Posted by JLFS


So what you are really saying is theat I am a grumpy barsteward and you are a battleaxe.........

WELL........

So my final word on the subject: I think that we will have to agree to agree.

Because you are not wrong.
and you're nearly right!
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Old Feb 18th 2011, 10:39 pm
  #51  
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Default Re: Seems it's now safe to buy in Spain!

Originally Posted by Lushdaddy
I wasn't being wise or anything. Just a lot of English have made a lot of money by purchasing property over here years ago and selling it for fortunes and now because it is not good market they scoff every time someone tries to make it seem good to buy here.

I don't like him, it was nothing against you. That o.k.?
I'm cool with that!
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Old Feb 20th 2011, 7:54 pm
  #52  
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Default Re: Seems it's now safe to buy in Spain!

One of the reasons to buy in Spain apart from the warm climate and laid back way of life was the low cost of living.....house prices will be the least of your problems, more the increases in food, utility bills and I believe council taxes.....now that they are collecting less taxes due to the stagnation of property sales and developments, they will have to get it from somewhere...existing owners I would say are sitting ducks or the easy targets....watch this space.
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Old Feb 20th 2011, 8:29 pm
  #53  
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Default Re: Seems it's now safe to buy in Spain!

Originally Posted by casa del sol
One of the reasons to buy in Spain apart from the warm climate and laid back way of life was the low cost of living.....house prices will be the least of your problems, more the increases in food, utility bills and I believe council taxes.....now that they are collecting less taxes due to the stagnation of property sales and developments, they will have to get it from somewhere...existing owners I would say are sitting ducks or the easy targets....watch this space.
Interesting idea. Would they be able to raise council taxes so high? Given that the taxes in pueblos can be very low indeed. My council taxes aren't much over 100 euros a year. Would they get away with it on the costas? Wouldn't the Spanish residents complain?
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Old Feb 20th 2011, 8:41 pm
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Default Re: Seems it's now safe to buy in Spain!

[QUOTE=angiescarr;9189818]Interesting idea. Would they be able to raise council taxes so high? Given that the taxes in pueblos can be very low indeed. My council taxes aren't much over 100 euros a year. Would they get away with it on the costas? Wouldn't the Spanish residents complain?[/QUOTE]


I think they would have more hassle on the costas where the foreign population are more abundant.

In other parts of Spain where there are mainly -spanish, it would be slipped in without a ripple.

The gov raises prices and makes cuts, like the recent one whereby the 400ish euros a month help for the unemployed that had used up their dole, cut in Jan 2011.

The silence from the locals was deafening, no protest that I heard of but I am sure if it were France, there would have been riots and mayhem, as they really do not like being stuffed, whereas the Spanish dont seem to mind.
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Old Feb 20th 2011, 9:21 pm
  #55  
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Smile Re: Seems it's now safe to buy in Spain!

[quote=JLFS;9189836]
Originally Posted by angiescarr
Interesting idea. Would they be able to raise council taxes so high? Given that the taxes in pueblos can be very low indeed. My council taxes aren't much over 100 euros a year. Would they get away with it on the costas? Wouldn't the Spanish residents complain?[/QUOTE]


I think they would have more hassle on the costas where the foreign population are more abundant.

In other parts of Spain where there are mainly -spanish, it would be slipped in without a ripple.

The gov raises prices and makes cuts, like the recent one whereby the 400ish euros a month help for the unemployed that had used up their dole, cut in Jan 2011.

The silence from the locals was deafening, no protest that I heard of but I am sure if it were France, there would have been riots and mayhem, as they really do not like being stuffed, whereas the Spanish dont seem to mind.
Not so sure about that. Round here the locals have not bought at very reduced prices because the cost of community, inter-community, EUC, IBI and Basura is so high. This does not seem to have affected buyers from the cities such as Madrid, Sevilla, Cordoba, etc. they arrive to their new places at weekends in numbers and change the atmosphere.
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Old Feb 20th 2011, 9:26 pm
  #56  
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Default Re: Seems it's now safe to buy in Spain!

[

Last edited by JLFS; Feb 20th 2011 at 9:28 pm.
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Old Feb 21st 2011, 10:02 am
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Default Re: Seems it's now safe to buy in Spain!

[QUOTE=JLFS;9189836]
Originally Posted by angiescarr
Interesting idea. Would they be able to raise council taxes so high? Given that the taxes in pueblos can be very low indeed. My council taxes aren't much over 100 euros a year. Would they get away with it on the costas? Wouldn't the Spanish residents complain?[/QUOTE]


I think they would have more hassle on the costas where the foreign population are more abundant.

In other parts of Spain where there are mainly -spanish, it would be slipped in without a ripple.

The gov raises prices and makes cuts, like the recent one whereby the 400ish euros a month help for the unemployed that had used up their dole, cut in Jan 2011.

The silence from the locals was deafening, no protest that I heard of but I am sure if it were France, there would have been riots and mayhem, as they really do not like being stuffed, whereas the Spanish dont seem to mind.
Funnily enough I was just listening to the history of my village from the guy I call my Spanish 'papa'. He was telling me that our village (back in the 1700s I think)was forced to pay 4 tenths of its production to 4 different 'authorities'
One was to Seville, one to Aracena, one to Madrid I think, The other part I can't remember. Apparently 3 big local 'valientes' rode to Madrid. (god knows how long that took) and got independence for the village and it's aldeas.
These days, if you are below the poverty line you're still paying 18% of much your income in IVA. and then local taxation.If you're a property owner which even the poorest in villages often are, is there still wealth tax? If you're above the poverty line, you pay tax before you get your income, and Iva after. with local taxes fuel taxes etc etc. I would think most people are taxed nearly 50% of their income. Where are the 'valientes' now?
The only way not to 'play the game' and still be legal these days is to consume less share skills and go off grid where possible.
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Old Feb 21st 2011, 3:52 pm
  #58  
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Default Re: Seems it's now safe to buy in Spain!

[QUOTE=angiescarr;9190847]
Originally Posted by JLFS
Funnily enough I was just listening to the history of my village from the guy I call my Spanish 'papa'. He was telling me that our village (back in the 1700s I think)was forced to pay 4 tenths of its production to 4 different 'authorities'
One was to Seville, one to Aracena, one to Madrid I think, The other part I can't remember. Apparently 3 big local 'valientes' rode to Madrid. (god knows how long that took) and got independence for the village and it's aldeas.
These days, if you are below the poverty line you're still paying 18% of much your income in IVA. and then local taxation.If you're a property owner which even the poorest in villages often are, is there still wealth tax? If you're above the poverty line, you pay tax before you get your income, and Iva after. with local taxes fuel taxes etc etc. I would think most people are taxed nearly 50% of their income. Where are the 'valientes' now?
The only way not to 'play the game' and still be legal these days is to consume less share skills and go off grid where possible.

Good point, and people wonder why so much of Spanish business is done 'On the Black' ?
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Old Feb 21st 2011, 4:55 pm
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Default Re: Seems it's now safe to buy in Spain!

[QUOTE=bil;9191542]
Originally Posted by angiescarr


Good point, and people wonder why so much of Spanish business is done 'On the Black' ?
I dont think the tax rates are any higher in Spain than in the UK.

When I moved to Spain I had my UK salary converted to euros and I basically came out with the same each month as I did in the UK after tax.

But I was better off as I didnt have to pay council tax in Spain (renting) and of course the VAT in Spain is lower than in the UK.

The 8% property sales tax in the big one in Spain as this is only 1-3% in the UK. This tax has put me off buying anywhere unless I want to stay in the same place for 10 years plus.
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Old Feb 21st 2011, 6:24 pm
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Default Re: Seems it's now safe to buy in Spain!

The quotes are all wonky on this thread, is it my fault?

I hope not....
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