Thank you guys for this.... really helpful. It is a holiday home I am looking at getting, but needed to know how much it will set me back apart from the actual house purchase. Can't wait to have our home in the sun :)
ValGod wrote on Mon Feb 6, 2023 7:17am:
Hi Kimmy11
Would you be so kind as to ping me over a copy of your spreadsheet, as we are moving to the area at the end of the year?
Read more...
Many thanks
Val
Hi Kim
Thanks - that is most helpful. We're looking to rent for the first year until we find a permanent home in the area.
Feliz Lunes!
Val
Posted: Mon Feb 6, 2023 3:51pm
Legendary helpful member
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
Hi Brendan,
I've just sent across my budget extract to your email address.
Kind regards,
Kim
Advertisement - posts continue below
Posted: Mon Feb 6, 2023 3:55pm
Legendary helpful member
ValGod wrote on Mon Feb 6, 2023 7:17am:
Hi Kimmy11
Would you be so kind as to ping me over a copy of your spreadsheet, as we are moving to the area at the end of the year?
Read more...
Many thanks
Val
Hi Val,
I'm happy to send this to you, but I can't add it to the forum. If you're happy to send me a private message with your email address, I can send the spreadsheet across to you as an attachment.
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
Not sure how to do this but could I have a copy of that spreadsheet. I have already bought a place in Quesada and am very unsure what I’m paying for eg charges for electricity when no one is there
Thank you
Posted: Thu Feb 9, 2023 6:55pm
Legendary helpful member
Jen55 wrote on Thu Feb 9, 2023 6:02pm:
Not sure how to do this but could I have a copy of that spreadsheet. I have already bought a place in Quesada and am very unsure what I’m paying for eg charges for electricity when no one is there
Thank you
Hi Jen,
If you send me a private message with your email address, I can forward the spreadsheet to you.
However, when you say you don't know what you're paying for when you're not at your property, are you receiving utility bills? Or are you just seeing amounts going out of your Spanish bank account by direct debit? Or is it specifically the electricity bill that you're querying? If the latter, you could attach a copy of your electricity bill, with your name and address redacted, and we can explain the different line items for consumption, standing charges, gas surcharge, etc.
For a holiday home, the regular bills I would expect to pay are:
- IBI (Council Tax): billed by SUMA on behalf of your Town Hall and collected by Direct Debit annually in October (delayed to November during Covid)
- Basura (Rubbish collection): EITHER billed by your Town Hall and collected annually by SUMA, OR included in your Water bill
- Electricity: billed monthly
- Water: billed quarterly
- Home insurance: billed annually
- Non-resident tax: Modelo 210 must be submitted and tax paid annually - deadline 31 December each year
- If you live on a Community of Owners, fees as laid down by the community
- Bank charges, if you have a Spanish account - deducted from your account monthly or quarterly
Kind regards,
Kim
Popular topics
Properties near La Marina
Latest Introduce yourselves topics
Our sponsors
Find more Introduce yourselves topics from a particular area:
Or view all Introduce yourselves topics in all of Costa Blanca.