legal fees are approximately 1% of the purchase price
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TERM Abogado Administrador de fincas Agente de la Propiedad Alcantarillado Amortización Apartamento Arbitraje Arquitecto Arras Arrendador Arrendatario Asbesto / Amianto Asesor fiscal Aval Avalista Ayuntamiento Caja de ahorros Cargas Catastro Cédula de habitabilidad Certificado de Habitabilidad Certificado registral Chalet Cláusula Cláusula abusiva Cocina Compra / compraventa Compra sobre plano Comunidad de Propietarios Condición del Contrato Contable Contrato Contrato de arrendamiento Contrato de compraventa Contrato de compraventa de vivienda Contrato de reserva Cooperativa de viviendas Copia simple TRANSLATION Lawyer (legal fees are approximately 1% of the purchase price) Spanish licensed property administrator Estate Agent (fees are approximately 3% and usually included in the sale price) Drainage/sewerage Repayment of loan/mortgage Apartment Arbitration Architect Deposit Landlord Tenant Asbestos Tax consultant Guarantee Guarantor (of a loan) Town Hall Spanish savings banks Charges, burden, arrears Spanish Land Register Certificate of occupancy Habitation licence Certificate informing about debts of a specific property Chalet/detached house Clauses or conditions in a contract Unfair contract terms usually to the detriment of the consumer Kitchen Purchase / Buying and selling Off-plan property purchase Community of owners / Residents Association Condition precedent Accountant Contract Letting/renting contract Purchase contract Private property sales contract Preliminary binding agreement Housing co-operative Initial title copy on purchase of property before formal deeds are provided Cuarto de baño Cuenta de ahorro vivienda Cuota Comunidad de Propietarios Declaración de obra nueva Deposito Derecho de retracto Derecho de tanteo Desahucio Dirección División horizontal Bathroom Housing savings account with special tax benefits Community charge for maintaining building/estate Declaration of new building work Deposit Right of repurchase Right of first refusal Eviction Address Official document to describe division of property between different owners Documento privado Private document Documento público Public document Dormitorio Bedroom Escritura Title Deed Escritura de Compraventa Final title deed of conveyance or deed of sale Estatutos de Communidad Communal facilities agreement (management plan) Fianza Bond Finca Estate or countryside home with land Finca rustica Raw Agricultural Land Folleto informativo Brochure/prospectus Garancias Patrimoniales Non-resident capital gain tax approximately 20% of the Inmobiliaras net increase in value of property at time of sale. Garantía Guarantee Gas / Electricidad Gas/Electricity Gestoras de cooperatives Firm specialised in obtaining official paperwork in relation to housing co-operatives Gestoría Firm specialised in obtaining official authorisations, permits, licences etc Hipoteca Mortgage (if a mortgage is required, fees are likely to increase by two-to-three percent of the purchase price including 1% mortgage stamp duty) Impuesto Tax Impuesto de Bienes Inmuebles Local annual property tax payable by the owner (approx (IBI) £1,500 per annum depending on the cadastral property value/location) Impuesto sobre actos jurídicos Stamp/registration duty (approximately 1% of the documentados (AJD) purchase price for old buildings and 1.5% for new builds) Impuesto sobre el Incremento del Tax on the increase of land value Valor de Terrenos Impuesto sobre patrimonio Annual wealth tax based on net assets. Min estate value of €700,000 usually applies. Impuesto sobre Transmisiones Transfer tax (Approximately 7% to 10% depending on Patrimoniales (ITP) region for old building, one percent for new builds) Impuesto Valor Añadido (IVA) Value Added Tax (VAT), generally 21% but about 10% on new builds Inmobiliaira Ley Libre de cargas Libro del edificio Licencia Licencia de obra Llave Luz Muebles Municipio NIE (Numero de Identificación de Extranjeros) Nota Simple Nota simple registral Notario Novación Obra Nueva Oferta vinculante Olivar Pago en efectivo Parcela Permiso de construir Permiso de obra Piscina Piso Plomo en pintura Plusvalía Municipal Poder/ A poder Póliza de seguros Pozo séptico Precio de Compraventa Préstamo Proindiviso Promotor Propiedad Registro de propiedad Renta Representante fiscal Estate agent (usually seller pays estate agent fees) Law Free of debts Documents handed over by the developer when a building is finished Licence Building permission Key Light Furniture Municipality Foreigner’s Identification Number Land Registry Search Certificate from a property register Notary; government appointed official to oversee the conveyancing process (fees are approximately 0.5% of the purchase price) Renegotiation of mortgage terms Document certifying a brand new building Bank document certifying the exact mortgage conditions Olive Grove Cash payment Plot of land Building permit Planning permission Swimming Pool Flat Lead in paintwork Municipal capital gains charge on the sale of property borne by the seller. If tax not paid (eg seller from overseas), need to careful that this is paid otherwise it will transfer to the buyer Power of Attorney Insurance policy Sceptic tank Sale price Loan Co-ownership, when a property has more that one owner Property developer Property Land Registry Office Annual tax for non-residents (nominal amount) Official tax representative Residencia (permiso) Se alquila Se vende Segunda vivienda Seguro de amortización Seguro multirreisgo hogar Seguros Señal Servidumbre Sociedad Subvención Superficie útil Tasación Termita / Ciervo Terrasa Terreno Testamento Tierra urbanizable Tipo de interés Tipo sustitutivo de referencia Titulo de propiedad Trastero Valor catastral Residency permit For rent For sale Second home Loan repayment insurance Household insurance Insurance Deposit Encumbrance such as a right of way over the property Company Subsidy Useable square metres in a property Independent valuation of property Termites/stag beetle Terrace Plot of land Will Building land Interest rate Substitution of the official interest rate - for example the euribor Deeds stating the ownership of property, date of sale etc... Storage room Registered value of land
