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PERSONAL INCOME TAX REDUCTION: MORE MONEY FOR THIS SUMMER

PERSONAL INCOME TAX REDUCTION: MORE MONEY FOR THIS SUMMER

With the anticipation of the reduction approved by the Government of the Income Tax (IRPF), which was originally scheduled for next January, the Treasury will establish an average rate in this exercise to be completed to apply in 2016. The measure which benefit 20 million taxpayers will begin to be felt on the payroll from [...]

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LOANS TO RENOVATE YOUR HOME

LOANS TO RENOVATE YOUR HOME

With the arrival of summer, many people are considering doing work at home. Sometimes, depending on their size, to meet them has to pay a significant amount of money that sometimes is not fully available. With their sights set for this purpose, some banks offer financial products designed for this purpose: in the vast majority [...]

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THE NEW ELECTRICITY BILL FOR HOURS

THE NEW ELECTRICITY BILL FOR HOURS

The hourly rate of light is a new system of pricing of electricity charged on electricity consumption variably depending on time of day, depending on demand. Thus, 24 prices for 24 hours are set. This new system has been introduced by the Ministry of Industry and Energy as of July 1, 2015 and will be [...]

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REAL ESTATE GLOSSARY (II)

REAL ESTATE GLOSSARY (II)

We continue with the second and final installment of our real estate dictionary: 13. Euribor: is the rate applied to transactions between banks in Europe or what is the same, the percentage paid as a bank fee when another pays money. Is the rate at which most mortgages in Spain (88.5% of new contracts) are [...]

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REAL ESTATE GLOSSARY (I)

REAL ESTATE GLOSSARY (I)

In the world of trading there are many terms, some of them complex, which for the foreign buyer may be difficult to understand. Moreover, after the years of upheaval a new vista opened in the housing market has led to the introduction of new figures. Therefore, we created this list of terms, as a dictionary, [...]

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GROWTH CONTINUES

GROWTH CONTINUES

The sale of homes in Spain recorded the best first quarter since 2010 with the sale of 85.133 buildings, according to statistics from the Ministry of Development on residential property transactions, made before a notary. This represents a rise of 4.4% from the first quarter of 2014. In fact, in the last twelve months residential [...]

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NOW IS THE BEST TIME TO BUY

NOW IS THE BEST TIME TO BUY

José Luis Ruiz Bartolomé, prestigious real estate consultant and author of “Goodbye, brick, goodbye,” said the current real estate market situation is “under construction”. After the close of markets in mid-2007, the market had almost completely disappeared until 2013 when, from the decrees of the Minister De Guindos and the creation of bad bank, investment [...]

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FUTURE FURNITURE

FUTURE FURNITURE

Programmable Table from Self-Assembly Lab, MIT on Vimeo. Good news for lazy people: We’re one step closer to buying furniture that will assemble itself. I know, I know, we’ve heard this before. We’ve been teased with tiny self-building chairs and phase-changing materials that might someday eliminate the need for a toolbox. But this time it’s [...]

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ABOUT THE ELECTRICAL INSTALLATION CERTIFICATE

ABOUT THE ELECTRICAL INSTALLATION CERTIFICATE

Surely you’ve heard of the Electrical Installation Certificate but do you know what is its function? EIC, commonly called Electric Bulletin, is a document issued by an authorized electrician to check the installation of household electricity and states that has been conducted under the law. Electrical Installation Certificate consists of four sections: 1. The maximum [...]

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BANKS NEED TO GRANT MORTGAGES

BANKS NEED TO GRANT MORTGAGES

Since the beginning of year banks have engaged in a war for having the cheapest mortgage market. so much so, that some institutions already offer a spread of 1%, something that had not happened since 2011. These policies reflect a need for banks to return to increasing revenue for mortgage interest. Currently, the mortgage balance [...]

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