Posted: Thu Sep 24, 2020 1:35pm
Yes, Rob, what I have told you is true, if you don't get residency this year, no S1 use for future Spanish healthcare, no Ehic available after Jan 1st, see Gov. UK healthcare. I know pensions only move by pennies but over 20/30 yrs that would be a loss. If you never work in Spain you are not eligible for free Spanish healthcare but can after 1 Yr of residency, join the Convenoio Special but its approx 65€mnth per person upto 65 and 157€ after (that's over 300€ month for a couple at todays price). We are 70/77 and for our own reasons we are not going for residency after intensive researching but you need to ensure you have all info correct. Yes if you, ve a place to sell in Uk you will pay CGT on it as a Spanish resident but depending what amount of profit, how long since purchase etc, also paying income tax in Spain it may still be less than the 4000€yr PHI will cost you from 65 onwards. As you,re under pension ages, you would still be needing PHI for TIE application. A lot to consider, so long as you have all the facts. Do you also know after January if you change your driving licence you will have to sit a Spanish driving test (also in Spanish).
Regards
Pauline