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The property transfer tax (known as ITP) is one of the most common taxes in the sale of second-hand homes. Although most transactions involve the payment of the property transfer tax, there are several cases in which a person may be exempt from paying the ITP. In this post we explain what the property transfer…
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When talking about home swapping, doubts often arise: is it legal? Can it be done with a mortgage? How should you proceed? This mechanism, less common, but fully in force, can be a very interesting option for people who want to change homes without going through the traditional buying and selling process. In this post…
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The demand for affordable housing has been increasing in recent years. Faced with this reality, public administrations offer solutions such as social housing, aimed especially at groups with lower incomes or situations of vulnerability. In this post, we explain how to apply for social housing and what requirements must be met to access it with…
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Usufruct is a common legal figure in situations such as inheritances or donations, and it can generate certain doubts if its implications are not well known. In this post, we explain what it means to be a usufructuary of a home, what your rights and obligations are, and how to manage it correctly. What Does…
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If you are thinking of buying or selling a property, you have probably heard of the simple note from the Land Registry. This document may seem technical, but it is essential to have a clear view of the legal situation of a home. In this post we explain what a simple note is, how to…
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When you reach the end of your mortgage payment or decide to sell your home ahead of time, a very common question may arise: how much does it cost to cancel a mortgage? Canceling it does not always mean that it automatically disappears from the Land Registry, and this procedure may have a cost that…
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If you are thinking of buying a home that already has a mortgage attached, you may have asked yourself the question: can I take over someone else’s mortgage? The answer is yes, and this process is known as mortgage subrogation. It is a legal and regulated operation that allows you to assume the conditions of…
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The property tax (IBI) is one of the most common taxes that directly affect the ownership of homes, premises, or land. It is a municipal tax collected by city councils and levied on the possession of real estate, whether rustic, urban, or with special characteristics. Knowing what property tax is and how it works is…
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Increasingly, sustainable buildings are becoming an indispensable reality for building a future that is more responsible towards the environment. But what are sustainable buildings? These are homes or constructions designed to minimize environmental impact throughout their life cycle: from conception and construction to daily use and eventual deconstruction. In addition to optimizing natural and energy…
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When you want to move, a very common question is: can I mortgage my house to buy another one? The answer is yes, but there are several nuances and options to consider. Whether you already have the house completely paid off or you still have an active mortgage, you can explore ways to obtain financing…
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The real estate sector is constantly evolving, and in recent years a new housing model has gained prominence: build to rent. If you are interested in the rental market or the world of real estate investment, you have surely wondered what build to rent is and how it may affect the future of housing. The…
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The real estate exclusivity agreement is a formal agreement between a property owner and a real estate agency, by which the latter is granted the exclusive right to manage the sale or rental of a property for a specified period. During that time, only the selected agency can market the property, although the owner remains…