13
Feb

How to rent an apartment in Spain as a foreigner?

The procedure for renting an apartment in Spain may seem challenging, but with the right information, you can discover the ideal residence without unnecessary hassle. We examine some essential tips to facilitate your search for renting a home as a foreigner.

11
Dec

How much is paid to the Treasury for the sale of an apartment?

If you are considering the possibility of selling a property, you have surely questioned what the cost will be for you and how much the Treasury retains for the sale of a property. These types of operations are not free: it is likely that a capital gain will be generated that you must include in your Personal Income Tax (IRPF) declaration, in addition to complying with certain taxes for which you will be responsible.

In order to clarify your doubts and so that you can make calculations with maximum precision, we review the taxes associated with the sale of a home one by one.

04
Dec

How to heat a home without investing a fortune in heating?

At a time when electricity and gas costs (along with many other mandatory expenses) remain at exorbitant levels, it is more crucial than ever to address those recurring questions that arise winter after winter: How to keep the house warm a minimum consumption? How to heat a home without using heating?

The reality is that, beyond depending on devices to air condition your home, there are some tricks and suggestions that will be useful to attract and conserve the accumulated heat without incurring additional expenses.

01
Dec

What is the cadastral reference of a home?

Whether you are going to buy or sell a property, the cadastral reference will emerge as a crucial concept that you must understand and appreciate its usefulness. Undoubtedly, this constitutes a fundamental element in the real estate sector in Spain. This is a unique alphanumeric code assigned to each plot or property, which serves for the precise and univocal identification of a property. The compression of this data is essential to carry out real estate operations, comply with tax obligations and manage various activities linked to property.

30
Nov

Renting or buying, what is more convenient in 2024?

With housing costs skyrocketing, the question of what is more convenient, buying or acquiring, looms larger in our environment. However, the solution to this question is not presented in such a simple way. In reality, there is no single answer, as it will be subject to the particular and financial circumstances of each family.

29
Nov

What factors increase the value of a home?

When you consider selling a property, there are many factors that impact and define its value. However, instead of being tempted to make a subjective evaluation of the property by the owner, it is essential that you always keep in mind the tax value of the property.

The tax value of a property is what will establish the amount of taxes to pay when carrying out a sale or inheritance transaction, and will also establish the minimum value for the deed of the property. At Rosesinmo.net, we offer you the best advice and help so that you can calculate this tax value efficiently and accurately.

27
Nov

Is the energy efficiency certificate mandatory if you want to sell your home?

If we are considering putting our home up for sale, it is essential to take into account the energy efficiency certificate. This document is essential, along with others that are also of great relevance to the sales process. The reason is that the energy efficiency certificate is a mandatory document if we want to sell our property. Therefore, it is an element that we must possess to facilitate the property transaction without problems.

13
Nov

Tips for future tenants: how to avoid surprises and unnecessary expenses

The current rental market has transformed the task of obtaining a residence at a reasonable price into a complex challenge for a part of society. Economic choices take on special relevance, since they will directly influence the well-being of the tenant.

02
Nov

Donate or sell the house to your children. What is the best option?

Over time, many parents consider the option of selling or donating an apartment to a child. Given the diversity of approaches in relation to the Property Transfer Tax (ITP) found in the different autonomous regions, it is not surprising that these two possibilities are considered to ensure this asset for future generations. Whether you need to remember what the ITP entails and how it is calculated, or if you are looking for information to determine which is the most appropriate alternative to transfer property to your heirs, this article aims to provide clarity in that situation.

17
Oct

Open Space Renovations: Tips and Solutions

The main characteristic of any obstacle-free space is the absence of separations between rooms, with a greater connection between the kitchen and the living room, for example. These types of designs improve the luminosity of the area and air circulation, which creates more serene environments and makes it easier to share the same space more fluidly. Each person's individual needs should guide how barriers are removed, but this change will have a major impact on housing.

02
Oct

How much money do I need to apply for a mortgage?

Imagine that you have found the house of your dreams and are about to apply for a mortgage. Do you know how much money the bank is going to lend you and the amount you need to have saved to be able to apply for a mortgage?

18
Sep

How to make the most of the spaces when renovating your house?

The spaciousness of the spaces in homes has become a valuable asset that we must learn to use to the maximum. If you are thinking of carrying out a remodeling in your house, it is essential to consider certain tips to take advantage of the environments and obtain the maximum return on your investment.

Skills to manage light, maintain organization and structure the available dimensions, will constitute some of your most valuable resources to maintain a functional and aesthetically pleasing home.

04
Sep

What to do when a tenant does not pay for supplies?

The delay in the payment of supply receipts by tenants poses a frequent situation that owners of rental homes must face. This scenario can give rise to disagreements and tensions between the tenant and the owner. In this article, we provide you with guidance on how to proceed when a tenant defaults on their electricity or water supply, as well as exploring some of the possible circumstances that could arise.

23
Aug

What are the requirements to contract rent non-payment insurance?

Delinquent tenants are the number one challenge facing rental property owners. However, there are tools that allow you to avoid this situation and avoid the repercussions in those scenarios in which you come across this problem. Non-payment of rent insurance provides security in situations where rent is not received, but can encompass a wide range of additional coverages. In this article we detail what they are, in addition to the requirements to access this type of protection.

08
Aug

How long does it take to sign a mortgage?

Signing the mortgage before the notary is the final step that leads us to conclude the process of buying and selling the property. However, before reaching this moment, we must go through various stages that, depending on the case, may take more or less time. Although there is no specific deadline established by law, we can get an idea of how much time we will need from the moment we apply for the credit until we sign it before the notary. Keep reading, and we will tell you all the key details about it.

25
Jul

How to convert a premises into a home?

Converting a local into your own home is an idea that is on the minds of many people. One of the reasons has to do with the post-pandemic impact, with some businesses closing and many vacant sites. But there are other important explanations related to rising housing market prices or the scarcity of available homes to rent and buy.

13
Jul

What taxes would I have to pay if I sell my house?

When we prepare to sell our residence or apartment, we usually do it with a purpose and preferably quickly. It may be that we no longer live in that home, that we need the money to buy another property or cover a financial need, or that we want to buy another house.

We trust that we can dispose of the amount obtained from the transaction. However, we must note that certain taxes must be deducted from that amount. Are you aware of what they are? Although it is true that the buyer must assume some tax responsibilities, it is important that you know that the seller must also comply with this, rendering accounts before the Tax Agency.

27
Jun

Do you want to sell your property in Roses, Costa Brava?

Welcome to rosesinmo.net, your trusted real estate agency in Roses, Costa Brava! If you are thinking of selling your property, you have come to the right place. In this article, we will show you how we can help you maximize the sales potential of your property and achieve your goals quickly and effectively. As a prominent member of Cbrai, a network of +33 multi-exclusive real estate agencies, we have the necessary resources and experience to guarantee the success of your transaction. In addition, we act as experts in customer acquisition and real estate marketing, which allows us to stand out and obtain exceptional results. Read on to find out how we can help you successfully sell your property.

13
Jun

How much money should you have saved to buy a home?

One of the main challenges in terms of access to housing for young people is related to the lack of available funds. Normally, banks do not grant mortgages for the full appraised value of the property, but are limited to a maximum of 80% of its value.

30
May

What is the IBI?

The Property Tax, or IBI, is a local tax in Spain that taxes the ownership of urban and rural properties. It is calculated based on the cadastral value of the property and varies depending on the tax rate set by each municipality. Homeowners, landowners, garage owners, and commercial property owners must pay this tax annually, which contributes to the financing of local public services.

16
May

How to insulate your house from humidity?

According to the European directive on the energy efficiency of buildings, we should seriously consider the energy rehabilitation of homes. One of the interventions that can be carried out is the thermal insulation of residential buildings with thermal insulation. However, in many cases, poor workmanship can lead to moisture and mold problems in your home. So does the insulation solve or create humidity inside? We explain what we need to know.

03
May

Vacation rental contract: What is it and what clauses should it contain?

Given the "boom" of the tourist apartment market, it is important to sign a vacation rental that complies with the law.

Many people hesitate to rent their houses to tourists for fear that they will damage their property. However, there are ways to protect your property and ensure that guests abide by the terms of the deal.

One of them is a vacation rental contract or a tourist home.

18
Apr

What is the Certificate of Habitability?

The Certificate of Habitability of a home is a document that certifies that the home meets the minimum conditions of habitability and solidity required by Law. It guarantees that the space is habitable and meets a certain level of health and hygiene. It specifies the minimum useful area of the living space, and the minimum equipment that must be provided: toilets, kitchen, hot water, etc. Since they are not very demanding, most homes will generally comply.

04
Apr

Pool Ideas for Small Backyards

Whenever we imagine a pool at home, it is large and occupying an endless garden. But this is not always the case, in fact, today's houses are smaller, but they have specific corners where they can have swimming pools for small patios. It is possible and of different shapes and materials. Let's see how they are and how to build them.

22
Mar

Why household supplies should be in the tenant's name

When signing a rental contract, one of the most frequent questions is who should be in charge of the basic supplies of the house.

07
Mar

Have you inherited a home? these are the steps to follow

After the death of a loved one, you often feel overwhelmed with emotions and want to cut through the red tape, but there are procedures to follow to avoid future problems. One of them is the management of the inheritance that the deceased relative has left through a will or by legitimacy.

If you have inherited a home, you can accept or reject it. A common reason for rejecting distressed housing is a lack of financial capacity to pay the taxes associated with the inheritance. Also, you may have inherited a house that is foreclosed or in debt, making inheritance a disadvantage.

There is a chance that your name will not appear in the will. However, if you are a direct descendant of the deceased, you can claim the legitimacy of the inheritance.

21
Feb

Small improvements you can make to your home to pay less for electricity and heating

Apparently the sale of firewood has increased in the summer, something that has never been seen, because many people are foreseeing very difficult times in the fall and winter with energy bills, so they stockpile firewood for their fireplaces. And the one who warns is not a traitor, they point out that the next seasons will hurt the pocket.
But there are a number of inexpensive improvements you can try to lower your next electric or gas bill.

07
Feb

Before buying a house with a mortgage, these are the questions you should ask yourself

Buying a home is one of the most important financial decisions in a person's life, especially when it comes to taking out a mortgage. Before taking the step and formalizing the operation, you must take into account what documents you need to present, verify that the house has no charges, how much savings you must have, the amount you will have to pay each month and for how many years you will pay the installments.

24
Jan

Buy furnished or unfurnished apartment: which is better and how much does it cost to furnish

When buying a house, we always want to give it a completely personal touch. But many times we can save a lot of money if we buy something that has already been renovated. The truth is that it depends on many factors: according to our needs, if we like the furniture in the house, if the owner makes a good offer, if it is in good condition and if it is to our liking.

09
Jan

How to reform a terrace of 20 square meters?

If we are lucky enough to have a patio at home, we all want to take advantage of it when the weather is good. But how can we transform this room in the house without spending too much money? We show you what factors must be taken into account before starting with 20 m2 of terrace rehabilitation.

27
Dec

How Homeowners Rental Insurance Works?

The best way for a landlord to be calm when renting a flat is to take out rent non-payment insurance. The star guarantees are those that cover the non-payment of rent, but the policies cover much more than that: they advise the owners on any issue related to the lease or the tenant, and cover all legal expenses related to the rent.

05
Dec

Zen decoration for your home

When it comes to finding happiness at home, Zen decoration is one of the most prominent in recent times and is used in most homes. Vivid colors, plants, decorative elements and arrangements that take us to distant places are the characteristic features of this style, which each one uses according to their needs.

22
Nov

How does a lease with option to buy work?

With rental prices rising every month, many people are considering buying a home. This requires prior savings to pay the signal. However, there is a contract between the two worlds. This is a lease with option to buy.

31
Oct

I have a Tourist Use home, why should I legalize it and how can I do it?

It is always a good time to remember the ABC of tourist homes! If you own an apartment and want to offer it to a third party in exchange for a price, you should know that it has to be legalized. We explain why and the steps to follow to be able to carry out your activity within the prescribed limits.

24
Oct

Post-purchase investment reforms

Buying a house that needs some remodeling is a great option and has several advantages. In the first place, because in the market you can find interesting offers on real estate to reform. Also, if the house looks unattractive, but has good potential, it can be renovated and customized to your liking.

In order not to make a big mistake, before buying a house to remodel, you should evaluate several aspects to see if it is a good investment and if the necessary work will bring too much cost and eventually you will lose the advantage. Experts have found some reform ideas that can be a good investment when buying a home.

18
Oct

How to isolate ourselves from the noise of the neighbors

Listening to the neighbors all the time can be very annoying. The sounds of the neighbors when we try to rest or sleep or when we want to watch a series or movie comfortably. Sometimes we have noisy neighbors and a simple conversation can solve the problem. Other times we have problems with insulation. This means that even though our neighbor's intention is not to make noise, it can be noticed.

13
Oct

We will tell you what to reform depending on the year of your house

Have you just bought a house and do not know what is the most important thing to decorate? Is your house from the 60s and 70s and would you like to invest some money to update it? Obviously, every home is different. The materials and quality used to build them at the time varied widely. However, we want to use different decades to see where review and reform may be urgently needed. We can help you!

03
Oct

How to furnish a 50 m2 beach apartment

The idea of living in a beach apartment exclusively during the summer makes people often choose to buy small houses. However, for the sake of comfort, the house should be carefully furnished, even if it is 50 square meters. We can help you find your home and we will also advise you to make it all yours. A studio is a good business opportunity for vacation rental, we can help you with all the paperwork.

24
Sep

How much does it cost to urbanize an urbanizable land?

If you want to build a house that you like, the first thing you need is a piece of land and we can help you. Depending on its classification, it can be built or not. In this article, we explain the peculiarities of urbanized land and the costs of urbanizing it.

28
Jul

When is it necessary to do a home appraisal for the mortgage?

When we are going to apply for a mortgage, the appraisal is a big procedure, but also in other processes related to the mortgage itself or the house. Here we are going to see all the keys to take into account.

20
Jul

As a foreigner, how can I apply for a Mortgage?

There are some differences between ordinary mortgages for foreigners or Spaniards residing in another country. Compared to 80% of the loans, it is allowed to finance up to 70%, the interests are usually higher and a good set of documentation is required. However, these profiles can also access bank financing. All the information about it below:

13
Jul

The sale of a property and its expenses.

Due to Covid-19, and as a result of the months of confinement, many people decided to leave the apartments they had in the city and look for a property far from the cities, in more airy and relaxed places.
Two years have passed but this trend is still continuing at the real estate level. Many people plan to start this process of buying and selling, but all the taxes and expenses that this implies should be taken into account before getting rid of their houses.

06
Jul

What is better variable mortgage or fixed mortgage?

During this year, many people have changed their variable loan to a fixed one. In this section, we show you the advantages and disadvantages involved if you want to make this type of change in your mortgage.

24
Jun

COVID INFORMATION FOR YOUR HOLIDAYS IN ROSES

Here we will provide you with all the current official and updated information about Covid, the conditions of entry and exit from Spain and the restrictions.

13
Apr

What are the steps you must follow to make a change of use from premises to housing?

In this article we will see the steps you must follow to make the change of use from premises to housing. We have many clients interested in commercial premises for residential use. Making the change is easier than it seems, we leave you here the steps to follow. Do not hesitate to contact us if you liked one of our premises on the Costa Brava and want to make the change. You will find our premises for sale here: https://cutt.ly/YFRSAWH

19
Jan

Should you invest in a beach apartment?

At the time when you are considering investing in a property on the beach in Roses, Costa Brava; A thousand doubts and contradictory reasoning may appear. This is a scary decision, but buying a property and then renting it can be a stable source of income, as well as an incredible place to enjoy a vacation with your family.

Below we will explain the pros and cons of owning a holiday rental in Roses Costa Brava to help you decide whether or not you should. In addition to what is the median income and various factors that you should know.

24
Dec

Conditions of entry in Spain and information on PCR tests or antigens for entry into Spain and France

COVID information for your holidays in Roses, you need to do a PCR or antigens to enter or leave Spain or valid vaccination, here you have all the information.

08
Oct

What types and ideas should be considered to decorate a kitchen practically & comfortably?

Here you will find some spectacular tips that will help you if you have bought a house or apartment and want to redecorate the kitchen, or if you want to make reforms and then decorate.

17
May

Sales mandates - You want to sell with ROSESINMO.NET - Cbrai

Types of sales mandate with ROSESINMO.NET your real estate in Roses Costa Brava

20
Apr

Advantages of selling with ROSESINMO.NET and Cbrai?

Don't go around an agency, a warrant and 33 sales agencies on the Costa Brava.

16
Mar

Roses webcams at your service

Live Roses live a window to the best beaches of the Costa Brava, you know that you can see Roses with the different webcams offered by Roses.net

12
Mar

Ronda walk from Roses to Cadaqués

Idyllic section on the Costa Brava from Roses to Cadaqués, we start in front of the Roses tourist office, the first part to the Almadraba beach is an urban section of walk and path, once we pass the Almadraba the Cap de Creus with a harder dirt road with continuous descents and ascents, we first cross Punta Falconera where an advertisement for Estrella Damm beer was recently shot with the 50 best chefs in Spain.