To commemorate the 150th anniversary of the first staging of The Open at Prestwick in 1860, Past Champions have been invited to play four holes of the Old Course, the first, second, 17th and 18th, on the afternoon of Wednesday 14 July. These celebrations will be weather dependent.

There are no fewer than 17 past winners confirmed, proving the pulling powe4r of the great course: to name but a few, Daly, Duval, Els Faldo, Harrington, Lehman, Lyle, Norman, O’Meara, Watson and Woods.

In 2000, to celebrate the Millenium Open, a similar Past Champions event was held on the eve of the Championship. The thousands of people who flocked to the Old Course, and a worldwide TV audience, were treated to an unforgettable experience, which included Sam Snead’s final tap-dance on the Swilcan Bridge.

For further information visit The Open Championship web page:

www.opengolf.com

For those golf lovers, who want to continue with this sport after this great Championship or during their already programmed holidays in Spain. We have a wide range of holiday lettings very close to the best Golf Courses of Marbella and around.

Do not hesitate on visiting our web page to find your perfect place for holidays in Marbella-Spain.

www.lacostapropertysolutions.com

http://www.lacostapropertysolutions.com/rental-A150.html

Platimun record-selling The Ten Tenors from Australia : Craig Hendry, Jason Short, Drew Graham, Steven Sowden, Dion Molinas, Graham Foote, Stewart Morris, Luke Kennedy, Dominic Smith and Josh Piterman are performaing for just one day in Spain – at the Marbella Bullring.

The concert begins at 10pm – tickets cost 20 euro and

are available via tel: 0034 902 150 025 or at the Marbella Bullring

With an unparalleled palette of repertoire, The Ten Tenors have taken their passion for quality music and powerful singing to such venues as London’s Royal Albert Hall, the Sydney Opera House, The Shrine Auditorium in Los Angeles – their high-octane vocal power and warrior-like approach to live concert touring puts them in a class of their own.

This young Australian group, chose the Hotel Incosol (Rio Real ) in Marbella for their first Spanish performance in 2007, trough The Jale & Cultur Fundation. Many of our friends and clients could enjoy this special concert, in their own urbanization and they confirmed it was a great moment that they would like to repeat again.

http://www.lacostapropertysolutions.com/rental-A257-R.html

Since then, they have visit our city  almost every year to present their new releases.And they have become a very famous and well known group,in a few years.

The good news is that there are various options available to parents with children who move to Spain: Spanish state Schools, Spanish private Schools and International schools. Below is a summary of the most important information regarding each of these types of school.

1. The Spanish State School System

Enrolling your child in a Spanish State school is perhaps the quickest way to ensure they will learn the language in the shortest space of time; however, you do need to think this through carefully as it can be a very traumatic experience for children to be thrown in at the deep end without any knowledge of the Spanish language. Younger children tend to adapt more easily to their new schools. After the age of around 10, integration gets more difficult and enrolment in an international school would be the recommended option to avoid traumas.

You cannot simply choose a school and then go and speak to the headmaster or administration office to enrol your child. In Spain, enrolment is usually based around a schools catchment area; either where to live or where you work. Without going into technicalities, you basically have more chance of enrolling your child in a school that is nearby your residence or your place of work as you are given preference depending on your personal circumstances.

How to Apply

Our recommendation would be to go directly to the school you would like your child to go to and speak to them. Please bear in mind that you will need the following documents:

• Proof and verification of school records from your home country
• Birth certificate or passport
• Proof of immunisations
• Proof or residence (empadronamiento from the town hall)
• Passport size photos

Applications are usually made between February and April (this depends on the area).

Timetable

Most state schools are open from 9am to 2pm. However, there are options available which allow for the extension of the school day – especially useful for working parents.

• Aula Matinal can be translated as a “morning club” which allows working parents to leave their children at school any time from 7.30 am to 9am; there is an extra charge for this service.
• After School activities – Most state schools offer a good variety of extra curricular activities which usually run from 3pm to 5pm. Once again you will have to pay a few for these activities but they are very reasonable.
• Holidays periods are generally long in Spain although international schools tend to have a little more holiday time – mainly because of the half term holidays.

Normal holiday periods are as follows:

Christmas and Easter – 2 weeks

Summer – 10 to 12 weeks

Half term in February (known as Semana Blanca) – 1 week

Extra Costs

• You will be required to pay for books and materials; expect to pay between 80 and 100 Euros per child per year.
• Meals:  as school ends at 2pm, many children eat at home; however, many schools have the option of lunchtime meals. If you want this service, you need to fill out a form at the start of the academic year. The charge depends on your specific economic situation but can be as low as €30 or €40 per month for good quality home cooked food – a bargain!
• As mentioned earlier, you will have to pay for extra curricular activities but this is usually an insignificant amount.

Other Important Information You Should be Aware Of

• It is obligatory for children to attend school from the age of 6 upwards. It is; however, very common to see children start their schooling at Nursery from the age of 3. (Note: there are state run nurseries available for children under 3.)
• Class sizes at state run schools tend to be larger than at private schools; expect to see between 25 and 30 children per classroom.
• Many schools have little infrastructure and investment in technology and science equipment; some don’t even have computers. The same goes for sports and recreational facilities.
• It’s important to note that schools in Spain, especially secondary schools, give the impression that there is not much discipline and that students are given a lot of freedom and flexibility.  Students even call teachers by their first name.
• At secondary school, teachers often leave kids that cause conflict in class and do not want to learn. This is perhaps because of the little support that teachers receive when a student shows lack of respect and complete unwillingness to learn. This situation of conflict within the classroom obviously affects those students who do wish to learn. The key word here is “Discipline” and unfortunately, this is an ingredient that is lacking in many Spanish secondary schools.
• Most teachers have little knowledge of English or any other language; this makes communication between parent and teacher very difficult. We highly recommend that parents make every effort to learn Spanish – at least enough to be able to communicate with teachers – if they are to be actively involved in their children’s education.
• In large ex-pat communities, many Spanish schools provide special language coaching for new foreign children for the first few weeks.

2. Private Spanish Schools

The Costa del Sol has a wide selection of reputable private Spanish schools which follow the Spanish curriculum. This is where the similarity with state schools ends. Private Spanish schools have the following characteristics:

• Longer school day – usually from 9am to 5pm
• These schools are usually better equipped in terms of facilities such as science labs, computer rooms and sports areas.
• Fees are generally lower than fees at international schools on the Coast.
• Many schools place a high importance on teaching English as a second language from an early age.
• Unlike with state schools, you are free to apply to any private school, regardless of where you live or work.
• There is a lot more discipline and problematic students are more severely dealt with. As a result, students have more respect for their teachers.
• Uniforms, meals and transportation are usually charged separately.

3. International Schools

The Costa del Sol has a large selection of international schools to choose from. That being said, one must be aware that standards of tuition, facilities and academic results vary greatly between schools; careful research is recommended before making any decisions.

Most of the international schools on the Costa del Sol are members of NABBS (National Association of British Schools in Spain). This is an important point as only fully authorised British Schools, recognised by the British Council and its inspectors can be members. Member schools are inspected on a regular basis and provide continuous training for their teachers.

Application

If you are thinking of enrolling your children in one of the international or British Schools on the coast, it is important that you make the application as far in advance as possible. Many of the top schools have waiting lists which in some cases can mean waiting up to a year to get a place for your child! Do your homework early and visit any school you are interested in as soon as possible so that you can get your application in early and avoid disappointment.

As with Spanish schools, you will have to provide your child’s education records.

Timetable

School hours at international schools tend to vary with start times between 9am and 10 am and finishing time between 4pm and 5pm.

Schools in Spain enjoy long holiday periods, especially in the summer months. Good news kids; perhaps not such good news for their parents!

Normal holiday periods are as follows:

Christmas and Easter – 2 to 3 weeks

Summer – 10 to 12 weeks

Half term in October and February – 1 week

School Fees

Sending your child to a private international school in Spain can be quite costly. Prices vary between the different schools; however, those with the best academic records tend to be more expensive. To give you an idea, you can expect to pay approximately €1000 per month for each child that attends a secondary school (age 13 +) – this would include uniform, meals, transportation and activities. Fees for junior school would be less; you can still expect to pay around €700 per month.

Installations and Facilities

This is perhaps where international schools are in a league of their own. Most of the top schools have the latest in information technology and science labs. Arts and crafts are also well catered for, as are sports facilities which in many cases include swimming pools and multiple sports fields.

So there you have it, a quick guide which will hopefully help you when it is time to decide the best schooling options for your children when you move to Spain. Below you will find contact details for the top international schools on the Costa del Sol. If you have any queries about the information above or would like some personal advice about some of the schools, please do contact us as we have first hand experience; 3 of our directors are ex students of these schools! They will definitely be able to offer you an insider’s perspective!

These are some of the best international and british schools of the Costa del Sol. If you would like more information regarding British Schools in Spain please visit the NABBS site at www.nabbs.org.

Aloha College, Marbella: tel: 95 2814133

Web:    www.aloha-college.com

Swans School, Marbella:  tel: 95 2776431

Web:    www.swansschool.net

Sotogrande International School : tel: 95 6795902

Web:    www.sis.ac

St Anthony’s College, Mijas Costa: tel: 95 2473166

Web:    www.stanthonyscollege.com

Sunny View School, Torremolinos: tel: 95 2383164

Web:    www.sunnyviewschool.com

English International College, Marbella: tel: 95 2831058

Web:    www.eic.edu

British College Benalmadena, Benalmadena:  tel: 95 2442215

Web:    www.thebritishcollege.com

You often hear talk of people giving the keys to their properties back to the banks because they cannot continue making the payments; this is a big mistake! This tactic might work in the US or the UK but it definitely doesn’t work in Spain. When you take out a mortgage in Spain, the person who signed on the dotted line in the mortgage deeds is personally responsible for the debt.

So just giving the keys back to the bank manager is not the solution; you would simply be making matters worse.

The way it works is that the bank will notify you from the moment you miss your first mortgage payment. The process will start quite amicably with a polite reminder, if this does not work, they will switch to other tactics. They will continue to hound you until they recover their money; believe me, they will do everything in their power to recover it. If they don’t manage to resolve the issue in the following few months, they will ask the courts to begin legal proceedings against you; this will eventually lead to the auction (subasta) of your property to recover the debt.

Unfortunately, the problem does not end here. If the bank is unable to cover the debt with the auction of the property, you are still responsible for the remaining debt! They can even start embargos on your assets – in Spain it is common for your pay slip to be partially embargoed in order to pay off the money owed.

So what should you do if you are in this unfortunate position? Well, your best bet is to be proactive and head on down to the bank to speak to the manager. Be completely up front with them and explain your situation fully; ask them for help and suggestions as to how you can resolve the problem.

There is obviously no way of getting out of paying the debt; however, the bank can offer you several solutions to delay payments, for example: refinancing the loan, extend the length of the loan, or even offer you what is referred to as a “periodo de carencia”(this basically means you only pay interest).

The above will, no doubt, make the original loan more expensive in the long run; however, this is far better than the alternative: paying interest – very high interest – for not making your monthly mortgage payments and making it very difficult to cancel your debt.

Full story found on www.idealista.com

As a general overview for foreigners, the Spanish social security system is very efficient and provides good benefits to those who need them. You should be warned that the payments are generally considered to be high compared to what you may be paying in your native country, but as a result of this the general standard of care is excellent.

Social security payments are expected from everyone who is working in the country, and these will cover a range of benefits that you will be entitled to. Failure to make payments could lead to large fines being levied, so it is good to ensure that you know exactly what is expected of you.

You will also be required to get a social security number and a medical card at a seguridad social office, which will require you to take along your passport.

The only instance when you may not have to make social security payments is during the first year of your time spent working in Spain if you are working as an employee for a company. If you want to benefit from this then you will have to fill out an E-101 form, and this will allow you to continue paying into the social security system of your native country for the first year. In some circumstances it is also possible to carry on with this arrangement for the second year spent working in Spain, although you should always find out if you are able to do this in advance to avoid facing fines.

Types Of Payments

If you are going to set up a company in Spain and employ staff then you will be required to make larger social security payments than your workers as you will have to make payments on behalf of your employees. You will also need to have a social security identification number in order to open a business in Spain, and we would advise against conducting any business without one of these.

If you are an employee, the situation is slightly better in terms of payments. As the employer has to pay the majority of social security payments, employees will only have small amounts being deducted from their payments. Payments fall between the minimum and maximum expected payments for employees, know as a nómina, and they come under a general system of payments for most workers. However, workers in certain sectors, including from those working as civil servants, the military and agricultural workers, fall under a different system of payments.

Self-employed workers in Spain will have to work out their payments by a different system. We recommend that you are aware that the payments are going to be higher for the self-employed as you have no employer to make them on your behalf. There is also a minimum amount every month which has to be made, so that if you are experiencing a month of low business then this could be more of a problem.

Types of Benefits

For people working in Spain, social security payments relate directly to certain benefits that they are entitled to. As well as medical care and maternity leave, unemployment benefits are also covered. If a person becomes unemployed, then they will be entitled to receive benefits depending on the amount that they have paid into the social security payments. As a general rule, workers are required to have made 360 days worth of social security payments within the last six years in order to qualify for unemployment benefits, and unemployment benefits can only last for up to two years.

The amount that a worker will receive is also subject to the amount paid in social security payments over the last 180 days before the request for benefits was made. However, as there is a minimum and maximum amount of unemployment benefits, even if you have made no social security payments in the previous 180 days then you are still entitled to payments.

Another major advantage of paying into the social security system is that you may be entitled to a pension upon retirement. At the time of writing the retirement age is 65, but we would advise you that this could change at any time.

In order to claim a state pension, workers must have been contributing to the social security system for at least fifteen years of their lives. On top of this, of the last 15 years before retirement they must have been working for two of them. The amount received in a pension will vary from person to person, but is worked out on how much has been contributed to the system throughout the worker’s lifetime.

As well as being provided by Spanish banks, mortgages are also provided by international banks. Mortgage lenders are quite free to establish the terms of the mortgages that they provide, meaning there is a lot of choice on offer in the market. For this reason, borrowers should always shop around considerably before choosing a lender.

The situation for foreigners wanting to get a mortgage is slightly different to that of the local residents. We would advise you that foreigners are unlikely to get as good a deal as residents and, as a rule, foreign buyers will not usually be able to borrow more than about 60% or 70% of the total property value. This is because foreign buyers represent a greater risk to the lenders. Finding a good mortgage broker, therefore, is almost essential in order to find the best deals.

Although we would always recommend that you shop around for the best mortgage deal for you, some new-build properties, which are popular with foreign buyers, will arrange their own arrangements with a particular mortgage lender. In this situation, we would suggest that you find out all that you can about the lenders and the type of mortgage before signing up to anything, as it may not be in your best interests to take out a mortgage with them.

Mortgage Fees

It can often be quite confusing when you first start to look for a mortgage, but if you rush into proceedings and choose the first mortgage that you find then you can end up paying a lot more money in the long term. Mortgages in Spain can be quite expensive in terms of the costs involved in setting them up. As a result, you should always shop around until you find the cheapest one for you.

Before taking out a mortgage, we would inform you that there are a number of fees involved in the process, which can often add up to several thousand euros.

The first major fee comes in the form of the valuation. Every mortgage lender in Spain will require that your chosen property has been valued before they agree to provide you with a mortgage. For that reason, you will have to hire someone to make a valuation of the property, and prices for this will vary. By looking around you should be able to find a valuation service for a few hundred euros, but it is equally possible to fork out much larger sums of money, sometimes over €1,000, for the same job.

On top of this, you will then be required to pay an opening fee upon taking out the mortgage, which is usually 1% of the total mortgage. After this, you will then have to pay a whole host of other fees to complete the process. These include property insurance, which is obligatory for all buyers, a land registry fee, stamp duty and a notary fee, although the prices for these will vary between lenders.

As there are so many mortgage lenders in Spain, all of whom will offer different levels of mortgages, many people find that once they have bought a property they then come across a better mortgage and wish to change. For this reason, mortgage lenders might impose an early cancellation fee on their mortgages, which requires you to pay a certain percentage of the total mortgage if you decide to cancel.

Mortgage Procedures

When you finally get to the stage of taking out a mortgage after finding a suitable lender, one of the first things you will be required to do is to prove your earnings. If you are currently working in the UK for a company then you should take details of your pay slips. If you are self employed, then you should find out what the exact requirements are to prove how much you earn, although it is likely to be evidence of your last three years of earnings.

As mentioned earlier, if you wanted to get a greater percentage of the property value in your mortgage then you would have to be a resident of Spain. However, becoming a resident is not too difficult. In fact, we know that if you are living and working in Spain for over a certain period of time equal to about six months of the year then you will automatically qualify as a resident and will be entitled to between 80% and 100% of the property value. If you are considering trying to get a higher mortgage loan then we would advise you to move to Spain for part of the year first in order to do accomplish this.

After you have taken out your mortgage and paid all the fees, if you fail to make your payments then you will be subject to similar foreclosure procedures as anywhere else. If you default on your payments then we would warn you that you should not think that running away to your home country will provide you with any protection, as Spain has many agreements with other countries that will cover your assets in your home country should foreclosure proceedings begin.

 If you do not have a fluent command of Spanish then you are going to find it difficult to get a grasp of all of the taxes involved without professional help, which is always recommended.

 However, having a good understanding of what it required of you can help to prevent problems from arising in the first place. This guide is therefore intended to provide you with the essential information you need in order to deal with the major taxes that you will encounter when purchasing a property in Spain.

Purchasing A Property

Property Transfer Tax and IVA

The property transfer tax, which is known in Spanish as the Impuesto de Transmisiones Patrimoniales y Actos Jurídicos Documentadas, is a tax that must be paid on a resale property or land transfer, but does not apply to new-build properties. The rate differs around the country, and is generally 6% or 7% of the total price of the property (in Andalucia it is 7%).

IVA, or VAT, is similar to the transfer tax but is only paid on new-build properties. The current amount is 7% for a private property.

Stamp Duty

The stamp duty only applies to new-build properties, and equates to between 0.5% and 1% of the value of the property. This must be paid by the buyer in front of a notary.

After Purchasing A Property

IRNR

After you have purchased the property, the most important tax is the IRNR (Impuesto Sobre la Renta de No Residentes), which is the income tax on the property.

This is a tax due on any profit that is made by you from the property, whether you are living in it yourself or renting it out to tenants, and irrespective of whether you live in the country or not.

The current amount that you will have to pay is based on the cadastral value (valor catastral) of the property, which is the valuation of the property by the municipal government. You will have to pay 24% of the tax base, which is currently 2% of the cadastral value of the property.

For property owners renting out their property to a tenant, the tax rate is also 24%, but the tax base will be the gross rent being made from the property.

IBI

The IBI (Impuesto de Bienes Inmuebles) is the annual real-estate tax due on the property. It is required by any property owners in Spain, and does not take into account what the property is being used for. It can be made in Spain by paying directly to the Town Hall in the region where the property is located, but foreign owners who live outside of Spain can also arrange for it to be paid via a Spanish bank.

Selling A Property

Capital Gains Tax

Although you will not have to pay a capital gains tax until you sell your property, you should still be aware of what it involves. The capital gains tax is essentially a tax on the increase in the value of the property since the time when you made the purchase. Up to 2007, this was 35% for non-residents, but following EU pressure on the Spanish government, this was reduced to 18% to bring it in line with what residents are required to pay.

It is a fairly complicated procedure working out how much capital gains tax is due, but essentially you have to work out the selling price minus the buying price and pay 18% of this in tax. However, there are relevant coefficients to take into account, as well as fees, expenses and improvements made to the property, so it is best to get professional help if you are unsure of the process.

There are some exceptions to capital gains tax for residents. If you are over 65 and are selling the home that you have lived in for over three years then you are exempt, and if you buy another property in Spain with the proceeds then you are also exempt. If you only use a part of the money from the sale to purchase another property in Spain then you will be entitled to a partial exemption.

Withholding Tax

When you sell a property in Spain and you are a non-resident then, regardless of whether the buyer is a resident or not, they must pay a withholding tax. This means that 3% of the purchase price will be withheld at the time of sale. This is essentially an estimate of the likely capital gains tax that you as the seller will have to pay upon selling the property. It used to be 5%, but the rules were changed in 2007.

Capital gains tax must be paid to the relevant tax authorities within the district that the sale is going through, and must be paid within one month of the purchase. If the initial 3% withholding tax is more than the capital gains due on the sale, then you are entitled to claim back the difference.

Residential Status

After 2007, the amount that foreign property owners were required to pay in taxes was brought in line with what residents had to pay. Most notably, capital gains tax went down from 35% to 18%, and withholding tax went down from 5% to 3%. However, there are still a few areas where residential status affects your tax payments, especially concerning exemptions to capital gains tax.

For this reason you should be aware of what your residential status is, for although you may not consider yourself to be a resident, you may be classed as such by Spanish law.

If you spend 183 days of the year in Spain, or your ‘centre of vital interests’ – your central income source – is in the country, then you will become a tax resident, so always check with a solicitor if you are unsure about your status and how it could affect your tax payments.

 This has led to a more transparent process for the customer, who is provided with full details about the property, including all the details of any extra costs and taxes associated with purchasing a property, at an earlier stage in the process. This helps consumers to be completely informed about what is involved in purchasing a property, and helps to prevent any nasty surprises appearing further down the line.

Complying With Decreto 218

All real-estate professionals in Andalucia must comply with Decreto 218. This includes estate agents, property developers and intermediaries in both the sales and rental markets. This also applies to any professionals working outside of the region who are dealing with a property in Andalucia.

However, private owners are not required to comply with the law, even though many of them choose to do so. This is because complying with Decreto 218 means that their customers will be protected under Spanish commercial law as they would with an agency.

Properties Affected By Decreto 218

Decreto 218 only applies to properties that will be used as a place of abode. This is therefore equally relevant for both properties for sale and for rent that will be used either for the owners or for their tenants. However, Decreto 218 does not apply to properties, buildings, land or plots that will not be used as a place of abode, such as work offices.

Penalty Fines

In accordance with Decreto 218, real-estate professionals must provide the correct details and documentation to any customers inquiring about a property. Failure to comply completely with these regulations can result in hefty fines for the company or individual at fault.

As the result of a routine inspection, if a real-estate professional is deemed to be at fault, then the fines can range from €5,000 for a minor offence, to an enormous €400,000 for a more serious offence. It is therefore in the best interests of the real-estate professional to comply completely with the regulations to avoid these crippling fines.

Legal Requirements Of Decreto 218

The new requirements that have come into force for all real-estate professionals in Andalucia as a result of Decreto 218 are divided into three areas: the displaying of signs; providing the correct documentation; and complying with the advertising regulations. This section provides details of these new requirements that have been put in place for the protection of the consumer.

The Displaying of Signs

Decreto 218 requires that real-estate professionals display in their place of work, clearly and visible for anyone to see, two signs declaring their agreement to conform to the law. The signs are intended to provide a clear statement that the real-estate professionals are obliged to provide their customers with the essential free documentation associated with a property when an enquiry is made, and that if the signs are not visible then they could be fined as a result. As this is the most basic of the Decreto 218 requirements, if you can’t see a sign when you inquire about a property then you should be wary.

Provision of DIA

One of the most important parts of the Decreto 218 is the DIA, which stands for Documento Informativo Abreviado. This is essentially a document that contains a large amount of information regarding the property in question. This includes, but is not limited to, taxes, licenses, location, utility bills, the cadastral value and floor plans.

Properties Where the DIA Applies

A DIA must be provided for all new-build properties, any properties that have undergone structural alterations since the last sale, and rental properties. The type of DIA will differ depending on the property.

Asking for a DIA

If you make an enquiry about a property which is for sale, then it is the legal requirement of the real-estate professional to provide you with a DIA, and you do not have to ask for it first. In the case of the Rental DIA, this must be handed over by the agent when the client asks for it and at the very latest, before signing the rental contract.)

The FI

The FI, or Ficha Informativa, is a similar document to the DIA, containing a similar amount of information about the property. The main difference is that the FI is only necessary for resale properties that have not had any alterations made to them since they last changed hands.

The Nota Explicativa

The Nota Explicativa is a very detailed document which is required for all new-build and resale properties. It includes details about the price of the property, the costs involved in purchasing it, the accepted methods of payment, and numerous other details. As with the DIA and FI, it is a free piece of documentation.

It is handed over to the customer at the same time as the DIA or FI, and you will be required to sign to confirm that you have received it. This also carries the benefit for the real-estate agent that after you have signed it you cannot then go to the buyer directly without the agent receiving commission.

Property Advertising Regulations

As well as displaying the signs and providing the correct documentation to customers in regards to a property, the Decreto 218 also comes with strict advertising standards for all properties which must be adhered to.

Whenever a real-estate agent or other professional advertises a property in any format, whether that is in a shop window, in a brochure or online, it has to include numerous details about the property. These include a description of the property, details of the taxes, its location, the right to receive a DIA form when enquiring about it, and many other details in addition to these.

A More Transparent Market

Decreto 218 has led to far more transparency for customers when making enquiries about a property in Andalucia. It has been welcomed by customers and real-estate professionals alike, and even though it has created more work for anyone in the real-estate business, it has restored confidence in buyers and also helps to prevent the industry getting a bad name for itself.