100% asuntolaina There was a time when it was common to get a mortgage for 100% of the property’s value. Sometimes even a little more. A few years ago after the real estate crisis, there was a certain agreement between financial institutions to grant 80% mortgages. But today it is not impossible to get a…
Turistiasunnot I actively follow the Costa Blanca News Channel on Facebook. The website is maintained by Annukka Valtanen, who has lived most of her life in Spain. Annukka writes a lot of interesting articles in which she deals with everything that is happening in Spain, especially in the Costa Blanca region. Being proficient in the…
Uudisrakentaminen Of course, the loan granted by the bank depends on the destination, how much is the apartment worth? Is the apartment a renovation project or a nicer apartment in a good area? Basically, of course, the loan amount is affected by the object’s value. Yes, the bank always knows how to take its own,…
The importance of language skills cannot be overemphasized. When there is a common language, it is possible to discuss things, agree, and move on. It’s hard to take sides if you don’t have sufficient language skills. You are left helplessly on the bottom nail. Previously, I wrote about a couple who did a house condition…
Kylämme korkeimmalla kukkulalla käytiin raivoisa taistelu katalaanit vastaan maurit ja katalaanit voittivat yhdessä valencialaisten kanssa. Aikoinaan katalaanimaat olivat osana Aragonian kuningaskuntaa, jonka kuningas oli Barcelonan kreivi. Aragonian kuningaskuntaan kuuluivat myös Valencian kuningaskunta ja Katalonian ruhtinaskunta. Aragonia ja Kastilia yhdistyivät vuonna 1469 ja muodostivat Espanjan kuningaskunnan. Aragonian kruunuprinssi Ferdinand nai Kastilian kruunuperijän Isabellan. Tämä johti Espanjan…
Älä myy alihintaan In the Spanish housing market, it is a common practice for the apartment to be let out to several real estate agents. This way, the apartment gets a lot of visibility and increases competition between agents. These are good things. The flip side of the coin is that the same apartment may…
Pikku-kylän notaari Last time I wrote about a Finnish couple and their difficulties with a notary in a small village. Small Spanish villages are not used to foreigners, so the attitude can even be racist and Spanish is the only language spoken. In this real estate transaction, we should still have spoken Valenciano, which has…
Kansainvälinen kuriiripalvelu The sellers, a Finnish couple, did not travel to Spain for the transaction. They wanted to enjoy the Finnish summer. Round trips for two and hotel accommodations would have cost too much. In any case, the trip would have only lasted a few days and ended up being quite an exhausting trip. Because…
Tämä on ryöstö! A bit dramatically expressed, but sometimes it feels like being robbed in the housing market. Foreign buyers are taken advantage of. You are in a foreign country and your language skills are weak, so you are an easy target. The newest means of financing for lawyers Lawyers have also come up with…
Kuntotarkastukset You cannot complain about everything that can be seen afterwards Because of this, no buyer should be passive and go and admire the scenery during the condition check. During the condition check, you have to be critical and demand all possible measures if something is unclear, e.g. water damage or sagging floors. You always…