17 Jul 2018 1:32 PM:

Hi to everyone :)

 

My wife and I are moving to Spain this year 2018. I am 57 and in part retirement so will be doing a small amount of consultancy marketing work with UK companies to cover the house running costs so only generating 500 – 600 euros per month.

 

3 main questions:

 

Question 1

I plan to pay into the Spanish NHS via a Convenio Especial but my wife is a Spanish National so do I still have to cover myself privately to have 1 years residency?

 

Question 2

If I register as self-employed but only earn up to 600 euros per month do I still have to pay 250 euros per month into the Spanish social security system?

 

Question 3

Can anyone recommend an accountant for sole trader tax returns.

 

Thank you J

Thread: help required with 3 main questions. thank you.

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29 Jun 2017 5:29 PM:

Exactly GuyT

The business has to be based in the UK as clients would not use a company based in Spain.

So the invoicing would be done from a UK address from a business that is VAT registered in the UK.

I would operate it as a sole trader and pay taxes in the UK. 

But because I can do a lot of the work online I don't need to be in the UK more that once or twice a month. CFertainly not 181 days!

Your example of someone who rents and lives in Spain but runs a shop in the UK is perfect and I have read that you cannot be taxed twice ie if you pay taxes in the UK then Spain cannot tax you again. We are not talking £100's of thousands here.

Thread: First post. Old question.

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24 Jun 2017 3:32 PM:

Hi All

I am sure the topic of health costs, EHIC cards, state versus private health services and medical insurance have been covered several times but I would really appreciate someone responding who can speak from experience. There is so much generic information on the internet and Government sites are not easy to digest.

So here is an outline of our circumstances:

My wife and I currently live in the UK and have been married for 29 years. I am 56, British and hold a UK passport. My wife is 58, has retained her Spanish nationality, originates from Barcelona and holds a Spanish passport.

We intend to sell our property in the UK early next year (2018) and relocate to the Malaga region. We will be renting long term for at least the first 2 years. We may never buy and just continue to rent.

My wife will not be working but I run a small business from home as a sole trader. The work is done online servicing UK companies so I may have to return to the UK once a month. This is one of the reasons for choosing Andalucía as flying to and from Malaga airport is cost effective and all year round. I need to keep my business registered in the UK so I am seen as being UK based to retain the bulk of my clients.

Before anyone comments of course we are all aware of Brexit so I am not expecting anyone to be able to predict the future. Nobody knows what's going to happen but it would be very helpful to know how it works now.

Once I reach my pension age of 66 then as it stands I will be able to access Spanish state healthcare.

Despite Brexit I think a similar arrangement will be agreed.

My main concern is now ie from the age of 56 to 66.

So in terms of healthcare what are the current rules?

1. My wife is a Spanish national and worked in Spain so obtaining state healthcare for her should not be an issue.     

2. Is there any advantage for me that my wife is a Spanish national?

3. Would me having an up to date EHIC card be enough?

4. I am having a heart bypass next month to correct a blocked artery and will take 6 different medications each day.

    In the UK I use a pre-pay card so my medicines only cost £10.00 per month. I know I will have to pay more in

    Spain.  

5. Could I access Spanish state healthcare via the "convenio especial"?

    But if you have to live in Spain for 12 months to apply what do you do in the first 12 months?

6. My concern is that private health insurance would be too expensive to consider because of the heart bypass.

This topic is obviously a hot one. My wife and I would be most appreciative of anyone who has experience of moving from the UK to Spain and can provide some answers re the healthcare options.

Thank you.

JRLH

Thread: First post. Old question.

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