Settling in Spain

Apartment in Spain as an investment facility

The holiday home is not just a holiday home by the sea, it is a promising source of stable income. Of course, if you approach the investment wisely. A well-designed scheme for converting living space into a profitable business
Analysis of the market and the purpose of the buyer
You always have to start with a preparatory training. Even before the real estate selection, it is important to decide how you want to use it. The company's specialists prepare the analyst individually for each client. And on the basis of all factors directly depends on what kind of real estate offered to the customer. Because a beautiful apartment may not be suitable for your own apartment. A perfect family bungalow - it is bad to forego rents.
It is a mistake to think that resort accommodations bring profits only in season. Properly selected property with a good location works for the owner all year round.
In Spain, on the Costa Blanca, it is sunny even in winter and you can swim in the sea. At that time Spaniards and tourists from northern Europe came here to rent active accommodation.

Buy apartment in Spain

Buy villa in Alicante

Immediately after you have decided on the goals, we start to study the market thoroughly. We look at statistics, which residential complexes and houses in which areas with which infrastructure with tenants are the most in demand. We appreciate, among other things, with the help of well-known international portals, which specialize in the rental of real estate, apartments whose properties are booked most frequently. Based on this data, a general assessment of the real estate market of a particular region / resort / region is made. Then we choose from a range of guaranteed products for the customer a selection that meets the individual requirements and the budget.
In the company database, there are always several dozen ready-made offers that have proven themselves.
For example, there are several coastal complexes that have worked well and in these LCDs we have several apartments. We open booking.com or a similar website where there are rental apartment calendars and clearly show the relevance of certain apartments. Also in autumn, the reservation can be set until the next summer. In other words, you can calculate in advance how many people will earn by the summer when they buy an apartment today.

Select an object

When it comes to investment, the main factor in choosing the expected return is the budget. There is a general opinion that the more expensive a property, the more it can be earned, but that is not always true. In some cases, it pays to pay and save in others, which will only increase profitability.
For example, if a buyer has a 100-150,000 € and only wants to earn money for real estate, then immediately look for the three best known complexes on the Costa Blanca. They are known among tenants, there are many enthusiastic reviews and recommendations on the Internet. Owners of apartments always rent them successfully. In appearance, these complexes are like five-star hotels. They are equipped with everything: parking, 3-4 swimming pools, security. In one of them there is a bar near the pool.
For those who have a budget of up to 100 thousand euros, we offer options in the price range 70 to 90 thousand euros. These owners receive slightly less than those who have bought apartments in super prestige complexes - in the season 90 Euro -110 or 120-150 € per day. The difference is small, but the gap in the cost of housing is more impressive - about 70%. This means that the yield from a cheaper apartment is higher.
If there is money and the goal is only to earn, I would recommend to buy two apartments for € 80,000, not one for € 150,000 or two secondary instead of a new one. Of course we speak of similar apartments with proven rental prospects.
In cases where the buyer intends to combine the rent with their own use of the apartment, often only a new apartment is requested. Problems choosing this option in a good complex with high rental demand. All we have to do is understand that the budget will be more than € 100,000, and in the secondary market we can find cheaper and no less qualitative options. In addition, every rental property is brought to the "Hotel Standard" by the Espana Tour ...
Preparation for the delivery
In order to succeed in a second home, it is necessary that it look representative and fully equipped for livelihood.
Yes, these are additional investments, the amount of which is determined on a case-by-case basis, but they can and must be calculated in advance.
When choosing and buying apartments through our company, the specialists always negotiate with the owner, and often thanks to their efforts it is possible to "throw off" a thousand or two of the original value. Therefore, the cost of cosmetic repairs is minimized or generally zero.
There are drawbacks in absolutely every secondary housing, a scratch somewhere, a handle does not work perfectly, a stain on the wall and much more - all these little things and are eliminated. After cosmetic repairs, the case looks perfect.

All work with the apartment we take over: paint the walls, change the curtains, pillows, some dishes, we propose which devices to upgrade, and what to let, provide designers who offers a variety of furnishing solutions. The owner is completely free of worries. On request, he can go through the shops with our specialist and buy everything you need.
The average cost of repairs and furnishings is 1500-2000 €. We always choose properties that require minimal additional investment - that's the standard. If the customer has a desire and money for major repairs, we also offer such services.
From the practice of some repairs that we filmed for our YouTube channel: One apartment costs around 1100 €, the second - 1800 € and the third - 600 €. This clearly shows that repairing a customer will cost a little money, and the result will bring a good profit. Rental rates after it has been increased by about 20%.
As a result, according to the investment plan, the buyer receives a renovated apartment that immediately enters the rental market and begins to earn a stable profit.
income generation

The company is interested in selling not just an apartment, but an apartment that gives up well and generates high profits, as it itself is engaged in leasing, which means that we receive 22% of our profit.
The guaranteed return on the purchased rental property, the management of which we manage, is 5% to 7% per annum.
And this with deduction of expenses for taxes, advertising and business services. The total yield is 13-15%. This applies to real estate in almost every price category.
At the same time there is a value threshold, which has its own "financial feasibility". For example, there is an apartment - a new apartment in the first line of the sea for 220,000 euros. In the same complex there is a similar second home worth € 150,000. Both can be successfully leased at the same cost, but the financial benefits will be different, since the initial investment is substantial are different.
To earn on such a finished business, I would advise for 3-5 years. It's been so long since equipment and furniture fail. And we either have to update and continue everything by investing in the apartment € 3000-5000, or if in recent years have earned 15-20.000 € who are willing to invest, sell this apartment and buy a new, with more favorable properties , Or buy two similar or slightly cheaper apartments from which you can earn more than yours.

Live in Spain. Something about real estate in Spain.

Spain - a land of endless siestas, wild bulls or the carefree nature of the resorts? A European state experiencing a crisis but boldly laughing at the dangers on its face.
 
Character of the Spaniards
Psychologists call the main national features of the Spaniards retrospectively spontaneity and the lack of prediction of the development of events. Many decisions are made under the influence of the mood. However, the shortsightedness of the Spanish complemented conservatism, which is expressed in the desire to preserve the status quo as well as the respect of ancient traditions.
Spaniards are fairly unpretentious, which can be reflected in complex or difficult material conditions.
In everyday life, the Spaniards do not express their feelings so keenly, but in a number of situations they have temperaments to the limit.
Spaniards adhere to the noble style of behavior: they have a sense of personal dignity and pride. Often there is a feeling that you are more of a king than an average resident of Valencia or Barcelona. If they want to express themselves in the language of sociologists, then for the society of Spain it is inherent to Italianism, d. formal equalization of persons representing different socio-economic strata, but of equally noble origin.
The answer to the mystery of the character is the traditional dance of flamenco. Passion, heat of the emotions, electricity in the blood. The 15th century Spanish dance is believed to have brought with it the Roma, connecting different musical directions - Moorish, Jewish and Spanish. Two centuries later, the freedom of dance was expressed in the precise movements of people who gladly succumbed to the passions. The dancers have a traditional dress "Bata de Cola" (Bata de Cola), a scarf and a large fan. And all this is dressed in a sensual and passionate nature.
 
A dangerous question

It turns out that not only Walloons and Flemings can find a common language in Belgium. A similar and dangerous situation prevails in sunny Spain. Here such inscriptions can sometimes be seen in hospitable Catalonia: "Catalonia is not Spain".
Let us turn to history. For the first time, the autonomous community of Catalonia received 988 state. However, in the New Times, when power reached King Philip V, Catalonia was unable to maintain its former status. Since then, the "poor relatives" of the Spanish state are fighting for the restoration of their rights. For example, in 1979 Catalonia regained the status of an autonomous community. Catalan (Catalan), Spanish (Castilian) and Aran became the official language. Persistent, proud and independent citizens, who reluctantly follow the rules of the Madrid authorities, will find the traveler who came here in search of treasures - attractions ...
At the beginning of September 2012, the city council of the Catalan municipality of San Pedro de Torrelo decided to recognize the independence of the city from the central authority of Spain.
In addition, the mayor's office issued a statement recognizing the laws and other decisions that violated, at least in some way, the rights of the Catalans and their language.
The independence of the Catalans may sooner or later lead to unexpected consequences for the Spanish authorities. Local, proud people wanted to leave Spain more than once: in 2009, 94% of the population voted in favor of the referendum.

 

Living in Spain


A developed credit system allows you to buy apartments. It is enough to have a permanent job. After examining all documents, the bank will provide a reasonable amount for the purchase of an apartment or a house. It should be said that the prices for real estate in Spain are quite high. Not everyone can afford their own nest in Madrid or Barcelona. However, studio apartments in small towns, two steps from the sea, are already available.

Villas and apartments Costa Blanca

Villa in Spain at the beach

Villa for sale in Spain at the beach

If you do not want to take out a loan, you can rent an apartment. Rent an apartment in Spain - not expensive at all. In addition, there are generally low tariffs for apartments and communal services.
European neighbors with confidence can envy the Spaniards - they have low prices for cigarettes and petrol (the French often come here to visit). However, this apparent socialism is compensated by the high cost of transport services.

Short about accommodation and communal services

The average cost of water is 15 euros per month. This includes payments on the counter and a monthly fee. Kilowatts costs 0.12. As a rule, bills for water are due every three months.
The bills for electricity come every two months. The Management Company withdraws the amount from the bank account and the owners receive a detailed receipt.

power supply

Grocery stores in Spain are much cheaper compared to the shops of another hot country - Italy. It is worth buying seafood, fish, sausage, cheese. Bread should be considered relatively expensive. Low prices for vegetables and fruits can be explained by the fact that Spain is an agricultural country.
Lunch in Spain is an important and enjoyable ceremony. Take food slowly, only use fresh food for cooking. From the culinary traditions it is possible to notice quenching in wine, roasting with feta cheese, a variety of dishes of rice, vegetable soup "Gazpacho". Indispensable attributes on the Spanish table are wine, olive oil, garlic and spices.

transport services


metro

In large cities, it is best to travel by the fastest means of transport and avoid traffic jams - on the subway, which is present in Madrid, Barcelona, ​​Valencia and a number of other cities. For example, in Madrid there are 10 subway lines that run at night from 6:00 to 1:30.
The cost of a ticket is 1 Euro. The airport is reachable for 2 euros! If you want to travel a lot during the day, we recommend buying a day ticket for 6.50 Euro. Similar rates exist in other cities. The subway usually has 2-4 trailers. It moves relatively slow compared to Moscow speeds, stops are short. It is advisable to keep your ears open so you can not pass.

Trains

The state company RENFE offers passengers the use of trains:
"Ave" - ​​luxury trains;
Talgo - fast trains;
"Expreso" - passenger trains,
"Tranvia" is local local train.
Ticket prices depend on the destination and the selected train type. For example, a trip from Madrid to Toledo costs 6 euros in a commuter train (about an hour on the road) and 14 euros in a high-speed train (30 minutes).


bus traffic

Buses travel very often and information about routes and timetables comes from travel agencies, hang in shop windows, cafes or at bus stops. Note that it is not uncommon in Spain if several buses follow. It is recommended to pay attention to the match of the ticket category with the number of the bus.
The bus should go through the front door, name the destination and the number of people. Then the driver issues a check in which the fare is stated. It is also recommended to buy a multiple ticket (for ten or more trips) to save a little.

cars

In Spain are about 317,000 km of highways, 2000 km of highways that were built relatively new.
Note that most trails lead from the French border to Alicante and from the coast of Cantabria to Catalonia.

The maximum speed in settlements is 50 km / h, along the highway - 100 km / h, and on high-speed roads you can drive with a breeze - 120 km / h.
Residents themselves note that the speeding rates are high based on the average income of the population. In some cities in Spain there is the problem of parking and leaving cars - paid parking. In order not to be wasted on a "place under the sun", Spaniards often leave cars in unauthorized locations. Tourists do not do this to avoid problems.
You can rent a car by presenting a passport and driver's license of international standard. If you receive a car in some companies, you may be asked to pay a security deposit (equivalent to fuel costs). It is interesting that this amount comes back if you return the vehicle with a full tank of gas. If you rent a car for several days, there are preferred rates. It is not recommended to take out insurance, as the compulsory insurance can not cover accidental damage if caused by the renter.

 

Bicycles and motorcycles

In mainland Spain, you can rent a bike on the islands, provided you are 16 years old. A motorcycle will be issued upon presentation of a passport and driver's license. Wear a safety helmet while riding a motorcycle. In Spain, motorcycles are filled with a mezcla (mezcla).

taxi

A taxi can stop a familiar hand gesture for a Russian person or call. In Spain there is a service called Radio Taxi, which orders the car from a restaurant, hotel or shop. Please note that the fare is increased on weekends, night hours (22.00-06.00) and public holidays. It is recommended to discuss the fare in advance when traveling outside the city.

sea ​​transport

Maritime transport plays an important role in the Spanish economy. Worth mentioning are cities like Barcelona, ​​La Coruña, Valencia, Malaga, Palma de Mallorca in the Balearic Islands, Bilbao, Gijón, Santa Cruz de Tenerife and Las Palmas in the Canary Islands.
Note that passenger ships from Barcelona and Tarragona go to the Balearic Islands - Mallorca, Menorca, Ibiza. These are the most popular travel destinations. There are night ferries between different islands, the cost of tickets is not more expensive. For example, the price for a ticket for a day ferry is -48 euros and for a night ticket only 27 euros.
Small ships, boats and sailboats are constantly floating along the coast of Spain. Tickets for excursions cost between 2 and 12 euros.

 

Work in Spain

Now Spain is at the epicenter of the economic crisis. As a result, many people remained unemployed and therefore emigration to Spain has become a risky exercise.
Employment in Spain has a number of special features that are not characteristic of other European countries. This is mainly about the afternoon siesta.
That's why most of the work is done in the morning. After lunch, there is a long break and after that - two or three hours of work.
Since Spain is an agricultural country, it is characterized by a variety of proposals for seasonal work, for example, for the harvest.
According to unofficial data, a few years ago in a sunny country, it was possible to get a job without permission and to process documents. At the moment, however, the policy of the authorities has become much tougher. Now a multi-level approval system of 1 to 5 years is actively practiced. After five years, you can apply for a permanent work permit and a residence permit.
Despite the rapid crisis, specialties are always popular:
Unskilled workers: craftsmen, loaders, housekeepers (cleaning residences, nurses), but here you must speak the Spanish language.
Demand for high quality work: programmers and IT specialists.
The minimum wage in Spain is 21.11 euros per day or 633.30 euros per month. The average monthly salary is -21500 euros.
Part of the "eat" taxes. For example, if your salary is 1800 Euros then only 1,200 will be "clean". If you worked under a contract, you can receive unemployment benefits at the employment office at the end of your term of office (70% of the salary).
Illegals in Spain earn 600-700 euros a month. Companies do not risk such, albeit valuable, employees, because the inspection penalty of the Ministry will cost the employer in the amount of 6,000 euros to 15,000 euros.

 

corruption

Tacit law to live well, no one has canceled. However, this is not common at household level. Here you can not give the doctor a "paw", nobody will pay the fees in kindergarten. It's easier to pay a policeman a fine than to "feed" him
Pension in Spain

The average pensioner receives 850 euros per month. The retirement age is 65 for women and 67 for men. As a rule, the allowance is 60 to 80% of the salary. In 2013, a lamentable law will come into force: it will take 37 years for a retirement pension to be paid.
Happy Spain

The average Spanish statistical person receives monthly "net" 1000 or 1200 euros. With them, he has to pay rent, eat and get dressed. Despite this seemingly small amount, the Spaniards never hang their noses. They gaze happily into the future.
According to the World Database of Happiness of the University of Erasmus Rotterdam, Spain is considered one of the luckiest countries (16th place).
During the survey, it turned out that the Spaniards are 90% satisfied with their lives. The average life expectancy is 80.3 years.
Interestingly, Costa Rica is first and foremost.

 

Emigration to Spain


Working emigration
If you have an entrepreneurial streak and the financial resources you want to invest in the country's economy, the authorities will gladly give you a residence permit.
However, you can stay in a sunny land with a lease. It should clearly state the terms of the proposed work, wages and conditions.

 

family meetings

In the streets of Spain one hears more and more often a Russian sonorous speech. These are hot macho women who have decided to tie themselves to them through marriage.
Family reunification is a typical way to obtain a residence permit in European countries. A reunion is possible in case of marriage to a citizen of Spain. You can ask for accommodation and the closest relatives of the groom (bride) - parents.
Stay for training purposes
This type of emigration to Spain is very popular, the country is strong with its university traditions. And that's why every year thousands of young people come here to get a higher education. In this case, non-EU citizens will receive a residence permit.
A residence permit for research or educational purposes
This means that research activities are carried out that do not correspond to the type of employment.

 

Medicine in Spain

The medicine is divided into state (free) and private (paid).
To use the services of free medicine, you need to get the number seguridad social. It is given to all inhabitants of Spain, only a residence permit is required. Then you will receive a health card in the clinic or over the Internet.
After you have received a health card, you will have a doctor therapist. It is for him that you have to treat all complaints. For consultation, you should register by phone, online or directly in the Polyclinic. On the day of the doctor take 40-50 patients, do not value themselves with hopes for a qualitative examination. Prescription drugs will be cheaper in the pharmacy than those you buy yourself. Free medicine is used by the majority of the population, so it may take several weeks for a particular specialist to be reached.
If the opportunity to wait is missed, paid medicine will come to the rescue. Average consultation costs 70-80 euros. Insurance for 1 person with a minimum of services costs from 55 euros per month (without dentistry). Please note that in Spain only private dentistry.
In emergencies, the Spaniards resort to emergency services. Finally, you will be asked to wait a few minutes, not weeks for an appointment with a doctor. If an illegal person needs emergency medical care and no documents or insurance are available, the ambulance will help him anyway.
In fact, people go to the emergency department for any trivialities (prescription pills from the throat) because outpatient centers work around the clock, and admission is not required. Leaving in hospitals only in rare cases, because it is too expensive. There is usually a small chapel in the hospitals where you can go and pray at any moment.

 

Education:


pre-school education

It includes kindergartens and elementary school, the last institution trains children 4-5 years. Pre-school education (public and private) is not compulsory.
Secondary education
Education is compulsory from 6 to 15 years.
Compulsory primary education (Educación Primaria) - from 6 to 11 years
Compulsory secondary education (ESO or Educación Secundaria Obligatoria) - from 12 to 15 years
In public school, parents only pay for textbooks, school supplies and organized tours. Many families complain about the price of a exercise book - in high school costs are up to 300 euros.
To burn or transfer the child to a specific public school, this institution must bring the printed e-mail from Cosejeria de Educación (Ministry of Education), all the information to determine exactly this is the school and two photos and payment vstupitelnoo bring (6 euros ). Sometimes grades from the previous school are required. In Spain, a ten-point rating system is used.
Some Spaniards believe that paid schools are better than state schools. Tuition fee per month -300 Euro. However, according to independent research, the level of teachers in private and public schools hardly differs. Many prefer to leave their children to state institutions and hire tutors on subjects of interest to them.
After completing the training, students must pass the exams. After they have the opportunity to enter Bachelorato, as well as acquire a professional education.
Bachelorato is the preparatory phase for entering the university. Therefore, the final exams apply here as an entry into the university.
To apply for a bachelor, a student does not have to have more than two debts. Nobody will go for more than two years in a class. By the way, a second year stay is a normal phenomenon for Spain. Learning to limit possibilities bachilerato, if articles are not treated, the diploma will nobody bachilerato.
Professional training many combine with bachelor.

Higher Education


Higher education in Spain is only paid. At the moment there are 50 state and 10 private colleges in the country. Here, as in Russia, there is the possibility of receiving an accelerated second higher education. You enter the third course of your chosen faculty. The first 2 years are credited to the completed faculty due to the similarity of the curriculum.
The best universities in Spain:
University Complutense in Madrid;
Autonomous (regional) University of Barcelona;
University of Barcelona;
University of Pompeu Fabra in Barcelona. According to an article by El Mundo, experts have recognized him as "a young, small and excellent university that destroys the stereotypes of a public university in a variety of ways";
University of Valencia.
Traditional holidays in Spain
tomato
Tomato is a bloody tomato massacre. The chaotic festival takes place annually in the last week of August in the small town of Bunyol (Valencia). It is home to about 9,000 people, but at this time there are on average 40,000 tourists from all over the world toss each other tomatoes.
On the central square - Plaza del Pueblo, gather people on the trucks with tomatoes waiting. And here are the sides of the cars open: tomatoes are falling on the street. People pick up "huge weapons". There is a rule: Before the "attack" the tomato must be crushed, otherwise you can inflict serious injury to the opponent.


 
Corrida

Nothing better shows the national character of Spain, such as bullfighting, which is considered one of the brightest symbols in the country. The word "corrida" means "to walk around". The first bull games took place two thousand years ago on the island of Crete.
The modern bullfight was "born" in 1775 in the city of Ronda by the legendary Francisco Romero, who is considered the ancestor of the "torero" dynasty. The spectators come to this show mainly to resist the emotion of the bull and the bullfighter - the powerful, with the fleeting movements of the fingers. The ticket costs between 50 and 500 euros.


 
Royal Family of Spain in the 21st century

Currently, Spain is governed by King Juan Carlos, who was born in Rome in 1938. He studied at the Military Academy of the Complutense University in Madrid. In May 1962 his wedding took place with the Greek Princess Sophia. They have two daughters and one son - Prince Philippe, who is considered the official heir of the crown.
If there are Kate and William in England, then in Spain - the couple Philippe and Letizia. The future wife of the prince was a well-known news anchor and journalist. In 2002, Letizia and Philippe met in Galicia at the site of the crash of the tanker Prestige. Already on 1 November 2003, the king and the queen announced the engagement of Prince Felipe and Letizia Ortiz to the Spaniards. The wedding took place on May 22, 2004 in the Nuestra de la Almudena Cathedral in Madrid. It is interesting that Leticia does not come from a noble or royal family, but was already married in the past. Nevertheless, the king and queen gave permission for the wedding ceremony.


 
Spanish football national team

Football in Spain is little more than football. This is the hope for an audience of millions, the epicenter of human passions. The modern team is very strong because it has won 3 titles in the last 4 years: 2010 (European Championship), 2010 (World Cup), 2012 (European Championship). Sociologists point out that such large national victories are very important for countries that are not in a better economic situation. Against the background of general euphoria, the economy is rising.

 

How can life in Spain change you?

1. Emigration to Spain teaches you to live slowly. Siesta, the principle of postponing tomorrow what can be done today, is a common phenomenon. The motto is "live without stress". It's not days, but weeks. For example, the purchase of home repair equipment may take several weeks. Do not rush, because the house does not crumble and you just have to enjoy life.
2. Emigration to Spain for a Slav girl will make you feel like a true beauty. Compliments can not wait for their husbands, and the locals will wrap you upside down with them. The youth here lasts until 35-40 years, here is the age to marry, marry and have children. In Russia, an unmarried woman of Balzac's age is diagnosed. Everything is done slowly - at 25-30 the young graduates of the university begin to work, enjoying the adventures thrown by fate.
3. Here you can get your physical and mental health. The Mediterranean diet does not allow you to gain extra pounds, and in the absence you can philosophically look at life, and you will have time to think.
4. Warm up in the truest sense of the word. It is interesting that in the winter the British retreated to close their homes and move to Spain. Breathe the sea air, so also save (the payment of utilities is cheaper here than in England).
5. Increase self-esteem. You start to appreciate as a person, a Russian saleswoman who is rude to any buyer will remain in the past.
6. As a Spaniard, you will respond politeness to politeness, and in case of a scandal you will be spirited, like a wild cat.
7. Become less suspicious. However, considering the economic crisis and rising unemployment, it's better to keep an eye on your bag.
Spain is like a full cup of passion, hospitality and love of life. Each traveler will discover an amazing energy that manifests itself in bullfighting, flamenco and simple communication with the local people.

How do I buy a property in Spain?

This story started 3 years ago. Flew to Spain on several occasions and visited repeatedly with my wife and thought, do not even buy an apartment there? Actually, why not (good land, heat, sea and all that). Where should I start? Yes, and finances are not special, about 20k. Maybe in some mortgages will be able to enter, or a studio to buy a small one. There were more questions than answers.

We arrived in the region Costa del Sol (noble place, much green). And went to the next real estate agency that spoke in German. We have learned about the price, the mortgage and all that, the prices, say, are not the cheapest, for the studio 120,000 - 150,000 euros. A loan is only if you make 50-60% of the cost yourself. The conditions are not very good. And there was no such money. But the options looked. The apartment is mostly used and small, but of course the fact that there is a lot of green everywhere, a swimming pool, set on a positive.
On the way they found another woman who "allegedly" sold apartments from the developers. The apartments are new class, but there was the price even more expensive, for 2 bedrooms the price was 300,000 euros. But you could give up to 280,000 euros. This did not suit us either.
When he returned to Berlin and saw all the pleasures of the motherland, Spain wanted even more. Began to search the Internet for other agencies. Other conditions. It took 3 years. Finding a suitable agency in Berlin is not realistic, because prices for all orders of magnitude higher than real, Spanish prices. Several times were at real estate exhibitions in Moscow. Where we were offered "beautiful apartments" in Torrevieja, was also used. Later, when they saw this city, they were appalled. In general, this is not the city of my dreams. And the apartments with broken doors and uprooted pipes in dark areas were exhausted. Then there was another company that promised to sell a good apartment on the Costa del Sol, but only sent options from Torrevieja. And more and more.
Then I was lucky enough to meet people who bought an apartment in Tenerife. They took their contacts from the company and began to correspond. We decided, this time maybe happy, let it be Tenerife. But unfortunately ... What we liked was expensive and there were no good mortgage conditions, and what was not was not in the best of areas, though a new building and a 90% mortgage. But the price was too high.
Frau spoke up for the Spanish language, so I decided to search in the original sources directly in the Spanish construction companies. We searched hard to find a Spanish construction company on the internet. We started to correspond. The conditions were good 90% mortgage, a new house, an acceptable price, but no known region of which nothing was known - Costa Blanca. I liked that they responded promptly to letters and the variants were more interesting than in other "real estate offices".

Villas and apartments in Spain

Villa in Spain at the beach

Villa for sale Costa Blanca Spain

Over the years, the eye for "divorce", "hidden interest", "and our bank friend is so cheap!" And other manipulations of the rogues were already sharpened. The company on all parameters gave the true information, it was like the truth, they decided to risk it! Well, the down payment was made (by a transfer from Germany), the documents were created, transferred, insured, sent over the Internet copies to the bank. We are sitting for 2 weeks, we care! And hurray! The loan was granted 90% and we went to Spain with pleasure!
Spain, as always, met us with warmth and beauty. We were picked up at the airport and taken to the hotel.

For 2 days we signed all the necessary documents, got the keys to the apartment and the lucky ones went to the city of Benidorm to their apartment, which is 800 meters from the sea. The apartment is 65 sqm in total, 45 sqm. Small but comfortable. Now you can buy a larger area for the same money, but at that time there were no such offers. There is parking in the area of ​​2 types of subway 5t Euro and a car space 3t Euro. You can buy and you can park right next to the house in the order of things or nobody will steal anything.
The city did not disappoint, it is the best on this coast. The apartment hit us with furniture and everything necessary for life. We bought 3 cups and held a banquet on the occasion of the inauguration.
Our epic with the purchase of an apartment has come to an end. Therefore, advice. Carefully choose the company where you buy it! It is better if she is Spanish! Do not pay mediators!
For those who are interested in numbers - the price of an apartment of 125 thousand took a mortgage for 30 years. We pay 380 euros per month. I paid a fee of 20,000 euros.

If you do not live in an apartment, then pay for 3 months for light and water 40 euros as a subscription. If you live then how much you hit, I have 3 months in the summer -46 euros and light 35 euros poured. There is also a "communard" - includes in the area + garden + shelter + swimming pools + courts for all this in the amount of 1 time in 3 months payment 100 euros. Housing insurance per year 260 euros. You can live in Spain for 400-500 euros per month, it is also cheaper if you cook yourself. Meat can be bought for 2-4 euros fruit 1-2 euros kilo macaroni I can not remember how much, the fish I took trout 2 fish came to 4 euros.

Investment Property in Spain

According to studies conducted in 2014 by the Bank of Spain (Banco de España), Catalonia ranks second in the profitability of residential properties, and over the past year this figure has risen from 4.7 to 5.1% on average for autonomy.
The year 2015 showed a trend of high demand for rental of real estate in some regions of Spain, which provoked a price increase in this segment of the market. This situation provides real opportunities for making a profit when buying real estate against the background of a fairly low level of its value, achieved now.

Buy apartment in Spain

Buy villa in Spain

With an average profitability rate of 5.1 for Catalonia, in some areas it reaches 6%, and with a competent selection of a particular property, you can achieve payback rates of 7-10% per year, using primarily the following search parameters:
apartments in the nearest suburbs with good infrastructure and communication with Barcelona (lines of the underground metro and suburban electric trains - ferrocarril and cercanias),
apartments located close to industrial centers, university areas,
banking real estate, sold at great discounts if you need small investments - cosmetic (non-capital) repairs.
Thus, it is possible to invest in real estate objects worth 50.000 -80.000 euros with the price of a square meter of 900-1200 euros followed by a payback period of 10-16 years.
From this point of view, the most interesting for investments are the nearest suburbs of Barcelona, ​​such as Terrassa, Badalona.
At the same time, the growth in rental prices continues, and this trend continues for the next 2016.
The purchase of several such apartments is attractive not only in terms of making a profit, but also the possibility of obtaining a residence permit for an investor in Spain with a total investment of 500,000 euros.

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