Blog on Spanish law

Tag: Spanish lawyer in Liverpool

  • Ok, a dación en pago has been approved. Now what?

                If you own a property  in Spain but you are no longer able to pay its monthly mortgage instalments, one of the possibilities contained in the Spanish legal system is the dación en pago which is the procedure to enable consumers to surrender their properties back to the bank…

  • DEATH, BANK STATEMENTS AND TAXES IN SPAIN

    When the Spanish estate is not only made of properties            When inheriting assets in Spain, the first thing that comes to mind is property but the truth is that assets also involve bank accounts, shares and other type of properties such as a car or even a boat. We have…

  • Buying property in Barcelona

                      Barcelona is probably one of the most beautiful cities in Europe. Woody Allen tried to show it in his famous film “Vicky Cristina Barcelona” although he excesively focused on the usual landmarks and buildings, forgetting that there is beauty in many other places apart from the…

  • First use license and habitation certificate. Tomatoe, tomato. Are they the same thing?

                  There are two documents which are essential before moving into a house in Spain. They are called first use license (“licencia de primera ocupación”) and habitation certificate (“cédula de habitabilidad”). These two documents sometimes have their own validity and in other occasions complement each other. It is difficult…

  • Interview from the Law Gazzette

    My legal life: Antonio Guillen 28 October 2013 Topics: Personal and professional development   Head of foreign property, DWF, Manchester. Watching LA Law in the late 1980s captured my attention and pushed me towards pursuing a career in law. I loved the talk, the looks and the suits. Life and a legal career then came…

  • Buying property in Spain from a bank- Initial tips

                      These days, as a result of the economic situation and the increase of people who do not pay their mortgagees, the banks have gathered a huge housing stock and, sometimes, these kinds of properties, which have been acquired by way of foreclosing procedures, are offered for…

  • WHAT IS THE ENERGY PERFORMANCE CERTIFICATE (CERTIFICADO DE EFICIENCIA ENERGETICA)?

                      From June 1st the Energy Performance Certificate will be required in all contracts of sale or rental in Spain. This regulation comes from a European Directive and it is already in force in other EU countries. This certificate analyzes the demand and energy consumption of a…

  • How to set up a Spanish company

                      “Spain will be the next Germany!” This was the headline in “EL PAIS” last week, a popular Spanish newspaper. Is this true? Well, even though the headline may be exaggerated in my opinion, there are grounds for optimism as recent labour reforms will  benefit business development…

  • Can I complete the purchase of a property in Spain without a NIE?

      In a clear homage to my youngest daughter’s favourite cartoon: yes you can! I am talking about NIEs and not laying bricks but contrariliy to what happens in the Bob the Builder’s cartoons, the lack of NIE will not necessarily lead to a happy ending. A NIE number (tax number for non-residents who either…

  • What is a “cedula hipotecaria”?

    You may have heard about the “cedulas hipotecarias” or covered bonds. A “Covered Bond” is a financial product guaranteed by the whole mortgage portfolio of the bank itself with an interest linked to it. This is a safe product in a normal economic climate and it could be quite profitable (in fact, during the property…