16 Sep 2009 11:03 AM:

we payed IBI this year for the first time and I am trying to sort out this tax myself and not go through the solicitor. However, the town hall doesnt have any record of me - only my husband. he alone is named on basuara and ibi bills. but on our deeds we own the property jointly. Do I need to fill in two 210 forms or just one for him?

regards

louise

Thread: It's form 210 now, NOT 214 (as the wealth tax has finally been abolished 23rd December, 2008, for non residents)

--------------------------------------

04 Sep 2008 9:53 PM:

Slight deviation from orriginal post, but we have found spanish pation furnitue Very Very expensive( especially as the euro is so strong). I was woundering how we could ship or fly over some furniture from the Uk and ho wmuch it would cost. Is it worth it?
cheers in anticipation
lou

Thread: Removals from enland to spain

--------------------------------------

29 May 2008 8:21 PM:

Thank you both so much for your help.

I am finding dealing with the bank very difficult, it is like banging your head against a wall talking to them!

They had said the developers mortgage was eurobaor+0.75 % which is why I decided to go with it, as all the other terms seem ok, But 2 months dow the line they mention in passing that the rate will be eurobor + 1.50% for the term of the mortgage!  I contacted them and enquired if it had simply been a typing error- but guess what-they didnt know!

Are they allowed to change the terms of the developers mortgage. I thought that was the whole point- they cant!

any info appreciated, and thanks again in anticipation of your help
louise

Thread: subrogation fees

--------------------------------------

28 May 2008 12:00 AM:

We are taking out the developers mortgage.

If the subogation amount is 157,000 euro, the bank says that  notary, land registration, and tax comes to 4,600 euro, as well as a set up fee of 0.75%

I thought that as the mortgage is a subrogation there should be no stamp duty on the loan amount, and notary and registration fees shuld be halved.  This should work out cheaper than the above 4,600

Could someone clarify this please, and tell me how much the mortgage fees should be.

They have alos qouted 1,200 euro for life insurace for us ( how they managed to get this qoute with no medical questions I dont know). We are only, 32, and 39 years old. Does this seem expensive. ( I know it is generally said that mortgages shouldnt be offered subject to life insurance - but in alll honesty if this amount isnt too exceptional it will be easier to stick with the bank at least for the first year)

They are alos asking for a one off protection of property insurance of 241 euro to cover the property should it need to be knocked down ( as has happened to prev owners in Spain)- Surey we dont need this, after all the bank should be satisfied that all regulations have been followed as they loaned in the beginning!
any help apreciated
many thanks
louise



Thread: subrogation fees

--------------------------------------

05 May 2008 7:17 PM:

thanks Maria

that is worth knowing.  What exactly is this provision ?

Thread: help upon minimum notification required from developer of completion

--------------------------------------