Help with buying a home - Page 2

JoEtiene5 wrote on Sun Nov 6, 2022 11:20am:

Thank you all, it is really helpful to see that list of bills that I will need to factor in....just wish I new someone on the urb that could tell me how much a Josefina house may cost to run yearly. It will just be a holiday pad, somewhere we escape to to get a bit of sanctury lol...

Thank you for all the advice...much appreciated as I'm going round in circles trying to work out what to do... :)...

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...

thanks

Jo

MillyMollyMandy72 wrote on Wed Nov 9, 2022 1:10am:

Hi Jo,

We own an extended Josefina on La Marina Urb (2 Bed/2Bath) over 3 levels including Solarium...We have stayed 4 times since purchase in March 2022.

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Our IBI(Suma) is €280 (Annual payment)

Electric (iberdrola) s approximately €25 monthly when in UK and €55 when staying at property..We have no Gas.

Water (Hidraqua) is averaging €32 monthly.

WiFi €24.99 monthly.

Hope this will help you..Good Luck.

JoEtiene5 wrote on Sat Nov 12, 2022 9:19am:

Thank you so much for this information....it is getting exciting now as it is becomming real! Just need to find 'the one'...house i mean 🥰. Difficult when doing so from Uk but i believe if its for me i will find it....Thanks again...Jo

JoEtiene5 wrote on Sun Nov 6, 2022 11:20am:

Thank you all, it is really helpful to see that list of bills that I will need to factor in....just wish I new someone on the urb that could tell me how much a Josefina house may cost to run yearly. It will just be a holiday pad, somewhere we escape to to get a bit of sanctury lol...

Thank you for all the advice...much appreciated as I'm going round in circles trying to work out what to do... :)...

Read more...

...

thanks

Jo

Kimmy11 wrote on 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.

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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

Raffo wrote on Sun Feb 5, 2023 11:39am:

Hi kim 

just read your reply and if possible could you send me the spreadsheet as it might be useful to me as I am looking at property at this time 

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thanks 

brendan 

[email protected]

Mags2021 wrote on Sun Feb 5, 2023 4:23pm:

Sorry just seeing ur message it was holiday home don’t have spread sheets sorry 

Raffo wrote on Sun Feb 5, 2023 11:39am:

Hi kim 

just read your reply and if possible could you send me the spreadsheet as it might be useful to me as I am looking at property at this time 

Read more...

thanks 

brendan 

[email protected]

Kimmy11 wrote on Sun Feb 5, 2023 8:37pm:

Hi Raffo,

I'll email you my spreadsheet when I'm back at my laptop.

Read more...

Kind regards, 

Kim

Kimmy11 wrote on 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.

Read more...

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