New mortgage law in Spain
The Spanish Congress of Deputies has approved the new mortgage law. After having been ratified by the Senate, the new mortgage law has been published in the Official State Gazette (BOE) in March and will come into force on 16/06/2019. The most important changes are...Making a Will in Spain is essential
If you, as a foreigner, own a property or any assets in Spain, it is not only advisable to make a testament also in Spain – it is essential! 1. You decide who to leave your assets and property and their amounts, not the Spanish law. 2. It can run concurrent with...Labelling on food products
As a standard, a label of a food product, by law, must give the following information: The name of the company and its address (producer, packer or seller of the product) List of ingredients including allergens, quantity of certain ingredients Minimum duration or...Guarantee of products purchased
The Rights of Consumers in Spain are included in the Constitution, specifically in Article 51, which guarantees the rights of consumers to protect their safety, health and economic interests. It also establishes the obligation of public authorities to provide...New reductions on Inheritance and Donations Tax
On the 09/04/2019 the Junta de Andalucía approved the reduction of tax on inheritances over the amounts of one million Euros to 1 %. The previous regulation from 1st January 2018, approved to increase the minimum exempt of succession tax from 250,000 € to 1,000,000 €....Buying a property in Spain
The Spanish property conveyancing system is different to many other countries, so you should seek advice from an independent lawyer who is specialised in real estate and land law and can speak your own language. In Spain, a property purchase is a process that can be...Reform of the Spanish Trademark Law 2019
With the BOE (the Official State Gazette) of December 27, 2018, Royal Decree Law 23/2018 the reform of the current Trademark Law took effect on January 14, 2019, except in some sections that have a specific term of application. In order to allow a correct functioning...News and changes in holiday rentals
With approval of the Royal Decree 1070/2017, which took effect on January 1, 2019, all persons or entities that have intermediate properties for temporary tourism purposes, will be required to submit an informative statement quarterly. This includes also collaborative...Maintenance claims in Spain
In Spanish law, maintenance comprises everything that is necessary by way of sustenance, clothing, living accommodation, health and education, which means the basic essentials of a person receiving maintenance. Those obliged to pay maintenance are: Parents...Travel Insurance Policies – Do’s and Don’ts
It is always a good idea, whenever we travel for leisure or for business, to be covered by travel insurance. Travel insurance is designed to cover possible eventualities happening during the trip, like illness, loss of luggage and vehicle breakdown. Travel...Streaming services under the new EU-Regulation – Cross-border portability for online subscriptions
‘This content is not available in your country’ – an annoying message, especially when you have paid for the service. However, a new EU regulation means you can now access Netflix, Amazon Prime and other services from any country in Europe. The...Ban on geo-blocking within the EU
Regulation (EU) 2018/302 addresses unjustified online sales discrimination based on customers’ nationality, place of residence or place of establishment within the internal market. The Regulation entered into force on 22 March 2018 in all EU Member States and...Non-resident tax and rental income tax in Spain
If you are not a resident in Spain (non-resident) and own urban property, you are subject to Personal Income Tax, Property Tax and local Real Estate Tax. Fiscal representative As a non-resident, you need to appoint a fiscal representative in Spain. Your fiscal...Changes in the Social Security System for self-employed professionals
From October 1, 2018, self-employed professionals must realize their procedures with the General Treasury of Social Security electronically, including the reception and signing of notifications (OM ESS/214/2018, of March 1) and are required to be registered in the RED...Rights of citizens under the General Data Protection Regulation (GDPR) of 2018
In this article we inform you about how your personal data is protected, the rights that help you to take back control of your data and what to do, if things go wrong. You have the right to: information about the processing of your personal data, and obtain access to...Recognition in Spain of a parental responsibility sentence made abroad
What needs to be done in order to obtain recognition and implementation in Spain of a decision on parental responsibility pronounced by a court in another European Union country? What is the procedure applicable? Decisions pronounced in a Member State on the...Consumer Rights in the Travel and Tourism Industry in Spain
The travel and tourism industry is very diverse and offers many different types of services that would be too long to list, however, four main categories can be identified which could give rise to disputes: Those relating to transport e.g. overbooking, loss of...Starting a business in Spain
The report “Doing Business 2016” published by The World Bank leaves Spain at rank 86. “Emprende en 3” was an initiative created in January 2014 for shorten the time to start a business to 3 days. The list of town halls enrolled in the program can be found at...Building or Renovating a Property in Spain – Licencia de Obras
There are strict planning regulations in Spain. Nowadays local administrations enforce these regulations rigorously, certainly a big change from just few years ago. Failure to follow the planning regulations can result in fines. If the modernisation or repair of the...Tax Considerations 2018
Tax on Personal Income or “Impuesto sobre la Renta de las Personas Físicas (IRPF)” is a personal, progressive and direct tax on income during a calendar year for individuals residing in Spain, taking into consideration their personal family circumstances. The...Health Care Spain – Entitlement
Since the law 16/2012 dated 20 April came into force in Spain (Law of urgent measures to ensure the sustainability of the national health system) many things have changed regarding the requirements for accessing the Spanish public health care system.
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