Q.
What professional services do you provide?
A.
Here at Javea Villas Direct we offer a comprehensive
range of professional services to take you
right through process of purchasing your dream
home.
Q.
How does the purchase procedure work?
A.
A deposit of £2000.00 will be required
to reserve the property returnable if you
decide not to proceed. If you do proceed then
for new builds a payment of between 30% and
50% will be paid on signing the contract.
The balance by stage payments or on completion
depending on the developers terms. For re-sales
a deposit of 10% and the balance on completion.
Q.
Are there any additional charges?
A.
Yes. You should allow 10% of the purchase
price of the property. This is to cover 7%
tax (IVA) Notary fees typically 1%-2% legal
fees and utility connection charges.
Q.
What if I need a mortgage?
A.
It is possible for non residents to obtain
a Spanish mortgage up to 80% of the purchase
price. You will need the usual proofs of income
as you would in the U.K. you may also consider
taking equity from your current home by way
of additional mortgage. We will be please
to assist you with either option.
Q.
Do I need a Spanish bank account?
A. Yes. If you
decide to purchase a property we will open
a bank account for you. You will be free to
choose which bank you like, but we are able
to recommend several banks where English is
spoken and the service is of a high standard.
Q.
Do I need to use a solicitor?
A.Strictly
speaking no, but we would strongly advise
that you do so. As with the bank account you
are free to engage a solicitor of your own
choice. We are able to recommend a number
of English speaking Spanish solicitors who
will ensure that all matters relating to the
purchase of your property are dealt with efficiently
and professionally. They will make sure that
you understand the contract and other matters
like making a Spanish will (very important).
Q.
Can I let out my property?
A.
yes many people who buy holiday homes in Spain
let them when not in use, thereby generating
a useful income. We are able to assist in
this area by providing a complete letting
service including gardening and pool cleaning.
We can also help in finding long term accommodation
for you to rent while awaiting the completion
of your new home if required.
Q.
I have young children what about
schools and healthcare?
A.
In general Spanish state schools are of a
very high standard, there are also many fee
paying English schools if required.
Healthcare. There are reciprocal arrangements
for residents and tourists. If you are employed
and paying into the social security system
then you and your family will get free medical
treatment. If not you may consider one of
many private healthcare schemes available
at a reasonable cost.
Q.
What is a NIE number?
A.
A personal identification number similar to
our national insurance number. You will need
one to be able to complete the purchase of
your property and various transactions such
as opening a bank account or buying a car.
The application is straightforward and we
will happy to assist.
Q.
Can I get my U.K. pension in Spain?
A.
Yes. Simply arrange to have your pension paid
into your Spanish bank account.
Q.
Can I take my pets to Spain?
A.
Yes. A visit to the DEFRA web site will tell
you all you need to know.
Q.
Do you provide an after sales service?
A.
we most certainly do. After you have completed
the purchase of your dream home we will still
be there to answer any questions and to assist
you with any problems which may arise.
If you have any further
questions please do call us we will pleased
to help
