Posted: Sun Nov 6, 2022 9:48am
Hi Jo,
You don't say whether your purchase is for a permanent move to Spain, or for a holiday home, but I've assumed the latter for my reply.
Can you use Excel spreadsheets? If so, I can email you a simple, 1-page spreadsheet to capture this information:
- IBI (Council Tax, payable to SUMA)
- Non-resident tax (Modelo 210, if applicable)
- Community fees (if the property is on a Community of Owners)
- Electricity (standing charge + consumption)
- Gas (if used, probably bottled)
- Water (standing charge + consumption)
- Internet provider (on/off service if non-resident)
- Home insurance
As Cfell has said, you can ask the estate agent for the amount of IBI payable on the property which you are considering for purchase, and when it's due in that location. Do you know whether the lender will accept this information confirmed in an email from the agent, or whether they will expect to see a copy of the latest bill?
The selling agent should also be able to get an estimate of the other costs I've listed, but we have many members who own property on La Marina, so hopefully they will be able to give you a good steer too.
Kind regards,
Kim