Rechtsanwälte, Lawyers, Abogados, Advocaten
|
|
- Grace Thornton
- 7 years ago
- Views:
Transcription
1 Diana Zuuring Ricardo Soriano nr 20, 3C Marbella, Malaga, Spain Tel: (34) Fax: (34) Rechtsanwälte, Lawyers, Abogados, Advocaten Introducing Diana Zuuring Lawyers Diana Zuuring Lawyers is a multi-lingual and independent law firm based in the centre of Marbella, Costa Del Sol, Spain, which operates throughout SPAIN. The company founder, Diana Zuuring, initially practiced law in Germany and has an indepth knowledge of law with experience in some of the most prestigious law firms in Málaga and Marbella. She is a registered lawyer in both Germany and Spain and speaks fluent German, Spanish, English and Dutch. Diana Zuuring Lawyers offers one of the most focused and dedicated services available to property purchasers in Spain. They understand the concerns of being a foreign investor in another country and it is their primary goal to give a professional, friendly and efficient service which is guaranteed throughout your transaction. At Diana Zuuring Lawyers we provide a complete legal, tax and management service to both foreign citizens and companies in Spain. We are offering legal services in the following areas: - Conveyancing and Real Estate Law - Urbanistic Law - Company foundation, tax and accountancy - Fiscal advice on personal, property and business taxation - Probate and wills - Litigation - Civil, Fiscal, Mercantile and Trading Law If you are looking for the peace of mind provided by leaving your affairs in professional hands, then please contact us or visit us at our Marbella office. We look forward to meeting you! 1
2 The purchasing process Choosing the right Estate Agent Always select an established real estate agent who will find you the right property and be able to guide you through the preliminary negotiations with the seller. Choosing the right lawyer It is advisable to use a lawyer based in Spain who will provide the legal guarantees for the purchase of the property, ensuring that Spanish legal requirements are met. Your lawyer will check to ensure that the property is bought free of encumbrances, liens, charges or debts and that all payments of local contributions and community charges are up to date. Property searches The property searches may vary depending on the kind of property that you have chosen to purchase. Using a lawyer from your home country could substantially increase your legal fees and most certainly will delay the sales process. Reservation deposit and contract Once you have found the right property, the purchase process begins with a reservation agreement, which takes the property off the market and also freezes the purchase price. The deposit to be paid at this stage is between 3,000 and 12,000 Euros. Before arriving in Spain, ensure you have funds available. The best way to pay the reservation fee is by credit card or transfer. It is not advisable to pay by cheque, especially if drawn on a foreign bank account, as it can take approximately 14 days to clear at a Spanish bank. Such a delay could cost you your property. Exchange of private contracts Within approximately 14 days of signing the reservation agreement, the private purchase contract is to be signed between the buyer and the seller (or their authorized representatives). During this time, the lawyer should have completed the investigations and searches in relation to the property and will have arranged with the seller the procedure for cancellation of any outstanding debts. It is customary practice at this point to pay between 10 to 50 % of the purchase price. Funds can be lodged in your own Spanish bank account and your lawyer can arrange for an account to be opened for you Or on your lawyer s escrow account. Diana Zuuring lawyers have negotiated some competitive rates with local Spanish banks for their clients. 2
3 Formal completion and exchange at the Notary A property sale is formally completed in Spain when the title deed (escritura de compraventa) is signed before a Public Notary in Spain, the agreed final payment is made and possession of the property is passed to the new owner. In the case of new builds, it can take up to 18 months before completion and usually payments are in stages of two to four months, for example by bankers draft, cheques from a Spanish bank account or bank transfer. Registration Once the title deed is signed, the notary will fax a copy of it to the local land registry. Your lawyer will pay on your behalf all the relevant transfer taxes and will deal with the formalities of registration of your title deed. Final registration of the title deed may take several months. Your lawyer will arrange for the transfer of the utility service accounts, such as water and electricity, to your Spanish bank account. Purchasing a property on a new development When purchasing a property on a new development, the developer should provide bank guarantees against each payment made on account of the purchase price. Many developers offer these bank guarantees free of charge whilst others make a percentage charge. A bank guarantee protects your payments. In the unlikely event that the developer fails to complete the property, it will go into liquidation or where they fail to complete on time and you do not wish to wait, all funds will be returned in full. New property is handed over without water and electricity connection. This can however, be arranged by a lawyer. Connection of such services can take up to four weeks following completion. Therefore, we suggest that you do not make any plans to use the property during that period. Under Spanish law, the developer will issue you with a liability construction guarantee. Costs There are in principle three fees and one tax to pay when purchasing property in Spain. You should budget that the costs involved purchasing a property in Spain are approximately 11-14% of the purchase price. If you have a mortgage there is an additional cost of approximately 2% of the property purchase price. The fees 1) Legal fees: The legal fee depends on the service you require, plus VAT (IVA) currently charged at 21%. We have a transparent fee structure with clear advice of any charges and fees. 2) Notary fees: the notary charges according to a fixed scale, depending upon the official value of the property. The charges may range from 300 to 1200 Euros. 3) Property Registry: Generally 60-80% of the notary fee. 3
4 The tax 1) On a resale property, Transfer Tax (ITP) at 8% is applicable on purchases up to Euros, from Euros up to Euros the rate is 9%, and from Euros the rate changes to 10%, which is payable upon completion. Example: Purchase price of Euros; then you pay 8% of Euros and 9% of Euros. The transfer tax has to be paid after completion. When buying from a developer, you will pay VAT (IVA) at 10% which is payable with each installment, plus Stamp duty at 1,5 % of the property price. A VAT rate of 21% is applicable when buying commercial premises, plots of land or garage spaces. Other costs to bear in mind are as follows: - Change of utility contracts and organising their payment by direct debit - Fiscal representation - Community representation - Wills - Insurance - Water and electricity connection charges - NIE number This is the Spanish Tax number which will be requested by the notary in order to sign the title deed. We recommend that you apply for your NIE number at an early stage as you need to be present in person at the local Spanish police station to do so. We can organise an appointment at the police station for you and will accompany you there. - Power of Attorney You should provide your lawyer with a power of attorney in order to act on your behalf with regards to your purchase. Bear in mind Annual Property Costs. 1) Community fees 2) Local Real Estate Tax (IBI) 3) Annual Income Tax (non resident tax) 4) Utility Services 5) Insurance Mortgages Spanish banks are willing to give mortgages to non-resident purchasers of property in Spain. The period of the mortgage depends upon the age of the buyer but can be extended up to a maximum of 30 years. The amount borrowed is 60 to 70% of the property s value, depending upon your income and assets. You will need to provide proof of your capacity to repay the mortgage and most banks will look for earnings per month in excess of three times your expected monthly mortgage repayment. 4
5 Documents required by the Spanish bank to apply for a mortgage: Wills 1) Last three pay slips 2) Last tax return 3) Banks reference to include telephone, fax number, name of manager and account numbers 4) Last three statements of your bank account 5) Statements of current assets and liabilities 6) If employed, a letter from your employer stating the length of employment, salary, etc. is required. If self-employed, profit and loss accounts signed by a Chartered Accountant are required. You should make a separate Spanish will dealing exclusively with your Spanish assets in order to avoid time-consuming and expensive legal problems for your heirs. As a foreigner, you will usually find that Spanish authorities do not oblige you to follow the Spanish law of compulsory heirs. You can leave your property to whomever you choose, as long as your own national law permits it. Selling a Property 1) Capital gain is due on the sale of the property. The tax is calculated as the difference between the value of the property at the time of its acquisition and the value at the time of its sale. The tax rate is 21 % for both non-residents and residents. 2) If the vendor is a non-resident in Spain, the purchase will need to retain 3% of the purchase price and pay it to the Tax Office Treasury on account of the potential liability to Capital Gains Tax. Your lawyer will inform you about existing exceptions. If you have no benefices on the sale, you can ask the Tax Office to refund this 3% (or a part of it) retained. 3) Plus Valia: This is a Municipal tax paid on the increase in value of the land since the previous sale and is fixed by the local Tax Authorities. It is calculated based upon the size of the land. By Law, the vendor is obliged to pay this tax. 4) Lawyer s fees. 5) Real Estate commission 6) Mortgage costs. If there is a mortgage on the property, you must consider the bank costs for the cancellation of the mortgage and the notary and registry fees. 5
BUYING AND SELLING REAL ESTATE IN SPAIN BY NON-RESIDENTS
BUYING AND SELLING REAL ESTATE IN SPAIN BY NON-RESIDENTS Euro Economics Group Barbara Ingenbleek Lawyers, Tax Advisers & Accountants ENOUGH REASONS ENOUGH REASONS TO BUY A PROPERTY IN SPAIN REAL ESTATE
More informationPurchasing Property in Greece. For Non European Citizens
1 Purchasing Property in Greece For Non European Citizens The purchase of Greek property is governed by Greek Civil Code (articles 947-1345). Other provisions and property law rules exist in other books
More informationYour Essential. Buyers Guide
Your Essential Buyers Guide Packed with lots of information about buying a property in Spain, from the planning of your purchase through to the costs involved. Calle 19A, CC. Guadalmina Fase II, Local
More informationHenry Miller. 12-15% should be added to the price of a property as a guide. Below is a breakdown.
BUYER`S GUIDE One`s destination is never a place, but a new way of seeing things Henry Miller INTRO The warm and predictable climate, a unique blend of modernisation and ancient beauty, endless stretches
More informationConveyancing Guide Making your Home yours..
Conveyancing Guide Making your Home yours.. Introduction to Conveyancing Buying your new home can be a long and difficult process and the final step, the legal one, often seems the biggest. Buying a house
More informationBuying property Guide
Buying property Guide Buying property is often akin to clearing an obstacle course. What precautions should I take? Meet your notary before your project and especially, don t sign anything without consulting
More informationUruguay Key Issues for Investors
Uruguay Key Issues for Investors Immigration & Residency Purchasing Property Taxes & Banking May 2013 Key Issues for Investors Key Issues Are my investments and money safe in Uruguay? Can I take my money
More informationBuying Property in Portugal
Buying Property in Portugal Contents Introduction p.2 The Buying Process and Taxes p.3 Financial and Legal Matters p.7 Annual Costs p.8 1 Introduction So you've fallen for Portugal's charm and potential
More informationConveyancing Guide. We welcome you as a client of Tyndallwoods and thank you for your instructions. Conveyancing has two basic stages
Conveyancing Guide We welcome you as a client of Tyndallwoods and thank you for your instructions. This guide is part of the Tyndallwoods commitment to quality of service. We are well aware that moving
More informationDeferred Payment Agreement Charging
Deferred Payment Agreement Charging What is a Deferred Payment Agreement? A Deferred Payment Agreement is an arrangement with the council that will enable you to use the value of your home to help pay
More informationTHE PROPERTY IN URUGUAY
THE PROPERTY PURCHASE PROCESS IN URUGUAY 1 Who can purchase property in Uruguay? Uruguayan Nationals Non-Uruguayans : With Uruguayan Citizenship (Dual Nationality) Without Uruguayan Residency or Citizenship
More informationISSUES IN OWNERSHIP OF REAL ESTATE. COLOMBIA Brigard & Urrutia
ISSUES IN OWNERSHIP OF REAL ESTATE COLOMBIA Brigard & Urrutia CONTACT INFORMATION: Francisco Uribe Noguera and Santiago González Rojas Brigard & Urrutia Carrera 7 # 71-21 Torre B Piso 4 Bogotá, Colombia
More informationT H E P O C K E T G U I D E
THE POCKET GUIDE Spanish Legal Property Information Contents 1. PURCHASING A RESALE PROPERTY IN SPAIN Costs of purchasing Appointing a legal representative Power of attorney Deciding on a property The
More informationEXECUTOR S CHECKLIST. Estate Name: Executor Mailing Address: Executor Name: Executors Responsibilities
Member JUDITH A. PICCOLO Notary Corporation 20416 Douglas Crescent Langley, B.C. V3A 4B4 Tel. (604) 534-0144 Fax. (604) 534-7985 Email: info@langleynotaries.com EXECUTOR S CHECKLIST Estate administration
More informationMortgage Basics 101. Talk to your CIBC Mobile Mortgage Advisor today.
Mortgage Basics 101 Mortgages are big investments that require financial stability and dedication. Start the process on the right foot by familiarizing yourself with different types of mortgages and rates,
More informationNON-RESIDENTS PURCHASING REAL PROPERTY IN THE U.S.
NON-RESIDENTS PURCHASING REAL PROPERTY IN THE U.S. A. The Attorneys Role in the Purchase of Real Estate The purchase of real estate in the U.S. without the proper assistance can become a complex transaction.
More informationBUYING PROPERTY IN PORTUGAL
Established since 1981 BUYING PROPERTY IN PORTUGAL It is a straightforward process provided you stick to the letter of the law and are advised or represented only by competent and reputable specialists
More informationBUYING A PROPERTY IN PORTUGAL
I - FORMALITIES 1. Purchase and Sale of Properties: According to the Portuguese Civil Code, the purchase and sale of any immovable property, urban or rural, must be consigned on a notary deed. Due to the
More informationIntroduction. Lesley McEwan Contact Us Here
Introduction Buying your dream home in this beautiful and unspoilt region should be a pleasant and enjoyable experience. We have compiled this Buyers Guide to give you an insight into how the system works
More informationab YOUR GUIDE TO THE LEGAL PROCESS FOR SELLING A PROPERTY
YOUR GUIDE TO THE LEGAL PROCESS FOR SELLING A PROPERTY Selling a house or flat is almost certainly one of the most important transactions you'll ever make. Obviously you want to get it right, and it's
More informationGuidance notes for clients
MWR Solicitors A legal guide CONVEYANCING, WILLS & PROBATE: Guidance notes for clients Lawyers for life CONTENTS Client Care Policy 5 Standards of Service 5 What We Need From You 6 How your house sale
More informationAppraisal A written analysis prepared by a qualified appraiser and estimating the value of a property
REAL ESTATE BASICS Affordability Analysis An analysis of a buyer s ability to afford the purchase of a home, reviews income, liabilities, and available funds, and considers the type of mortgage a buyer
More informationNon UK Residents UK Limited Liability Partnership
Non UK Residents UK Limited Liability Partnership The international package includes: Company set-up UK Registered Office Address (which includes mail forwarding) UK company bank account with debit and/or
More informationMoving Home Guide. A simple step by step guide to buying & selling
RESIDENTIAL PROPERTY BUYING & SELLING Moving Home Guide A simple step by step guide to buying & selling 2 Turn to page 11 of this Guide where there is a useful checklist that details all the things you
More informationLegal Guide to Forming a Corporation in Luxembourg
Legal Guide to Forming a Corporation in Luxembourg March 2008 Business in the Grand-Duchy of Luxembourg (the GDL ) may be carried out by individual trader(s) or by way of forming a corporate entity, whereby
More informationHOME OWNERSHIP THE REAL COSTS
HOME OWNERSHIP THE REAL COSTS THE GOVERNMENT REQUIRES US TO PROVIDE YOU WITH THIS INFORMATION PURSUANT TO SECTION 121AA HOUSING ACT 1985 If you just compare the cost of a mortgage with the cost of your
More informationGuide to buying and selling your home
Guide to buying and selling your home Whether you are thinking of buying, selling or re-mortgaging your home it pays to contact your solicitors at an early stage. Hopefully you ll find the contents of
More informationSafely Purchasing a House in Spain
Safely Purchasing a House in Spain Together with the Association of Spanish Property and Commercial Registrars, the Ministry of Public Works, Transport and Housing has drawn up a brief, simple guide outlining
More informationVendor Finance. Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967
Vendor Finance Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967 Hobart: Level 1, 18 Elizabeth St, Hobart 7000 DX 231, Hobart GPO Box 16, Hobart 7001
More informationSTANDARD LAND PURCHASE AND SALE AGREEMENT [#505] (With Contingencies)
STANDARD LAND PURCHASE AND SALE AGREEMENT [#505] (With Contingencies) The parties make this Agreement this day of,. This Agreement supersedes and replaces all obligations made in any prior Contract To
More informationBereaved customers. Helping you deal with a deceased person s account
Bereaved customers Helping you deal with a deceased person s account How this leaflet will help This guide will help if you need to settle the banking affairs of someone who has died. When you are bereaved,
More informationYour Options. A simple guide to available debt options
Your Options A simple guide to available debt options Contents Welcome 3 Our Customer Service Charter 3 Protected Trust Deeds 4 Debt Arrangement Scheme 6 Sequestration 8 Debt Management Plan 10 Minimal
More informationRemortgaging guide 1. Remortgaging guide. We re with you every step of the way
Remortgaging guide 1 Remortgaging guide We re with you every step of the way Remortgaging guide 2 With so many different mortgages out there to choose from, deciding which one is best for you can be a
More informationTariff of Mortgage Charges
Tariff of Mortgage Charges (Known at Chelsea Building Society as Loans Administration Fee Tariff) At Chelsea Building Society we are working closely with the mortgage industry s initiative with the Council
More informationREAL ESTATE PURCHASE CONTRACT. OFFER TO PURCHASE the property municipally known as, Plan, Block, Lot, subject to the reservations and exceptions
REAL ESTATE PURCHASE CONTRACT (hereinafter referred to as "the Purchaser") HEREBY OFFER TO PURCHASE the property municipally known as,, Alberta (hereinafter referred to as "the Property") and legally described
More informationUnique Living s guide to purchasing a luxury property in Cyprus
Unique Living s guide to purchasing a luxury property in Cyprus Choice of Property We strongly recommend that the buyer select a property first, but should not pay any money until a meeting with a lawyer
More informationConveyancing Jargon Buster
Conveyancing Jargon Buster Agreement - another word for contract Auction - This is where a property is bought at an auction house. Once the gavel goes down contracts are exchanged (see Exchange of Contracts
More informationPaying for the costs of major works to your property
Paying for the costs of major works to your property Introduction We are responsible for thousands of homes and are committed to keeping those homes in a good state of repair. This means that from time
More informationSAFE AND SECURE LENDING THE NEW ZEALAND WAY
SAFE AND SECURE LENDING THE NEW ZEALAND WAY NEW ZEALAND S LAND REGISTRATION SYSTEM Business & Private Law Brian R Ellis LLB Principal 6 th Floor, 43 High Street PO Box 4516 Auckland, New Zealand Telephone
More informationSources of law and information
Sources of law and information 1. What are the main sources of real estate law? The main sources are the: Civil Code. Real Estate Act 1998. Mortgage Act 1946 (governs mortgage agreements and other in rem
More informationPURCHASING A PROPERTY
PURCHASING A PROPERTY WHAT DO I NEED TO KNOW? Purchasing a property is often the largest financial transaction you will make. It can be both an exciting and stressful time. Our experience of property transactions
More informationValencia / Spain October 28 November 1, 2015. REAL ESTATE LAW COMMISSION October 31, 2015. Acquisition of Property, Portfolio and Infrastructure
59 th UIA CONGRESS Valencia / Spain October 28 November 1, 2015 REAL ESTATE LAW COMMISSION October 31, 2015 Acquisition of Property, Portfolio and Infrastructure The Acquisition of Real Property in the
More informationHOW TO SET UP A BUSINESS IN SPAIN
ENTREPRENEUR S GUIDE FOR SPANISH MARKET HOW TO SET UP A BUSINESS IN SPAIN JUNE 2013 1 TABLE OF CONTENTS Introduction... 3 I. Developing Your Project to Create a Company... 4 1. Writing Your Business Plan...
More informationSelf Managed Super Fund (SMSF) Limited Recourse Loans
Self Managed Super Fund (SMSF) Limited Recourse Loans Memorandum Ever since the Superannuation Industry (Supervision) Act 1993 (SIS Act) was amended in late 2007, SMSF Lending has been arranging Super
More informationAdditional Terms and Conditions
Page 1 of 35 Additional Terms and Conditions The following set of additional terms and conditions is attached as Schedule B to Canadian Imperial Bank of Commerce Residential Mortgages in Newfoundland and
More informationLIST OF SERVICES EXPAT RELOCATION SERVICES
LIST OF SERVICES EXPAT RELOCATION SERVICES Expat Relocation Services (ERS) 08870 - Sitges Barcelona ers@expatrelocationservices.com www.expatrelocationservices.com ERS offers a relocation service tailored
More informationThinking of buying your home?
Thinking of buying your home? We welcome your views At North Hertfordshire Homes we like to take your views into account when making decisions. We aim to provide a responsive, efficient and effective service
More informationGENERAL GUIDANCE ON SELLING & BUYING RESIDENTIAL PROPERTY
GENERAL GUIDANCE ON SELLING & BUYING RESIDENTIAL PROPERTY These notes have been prepared to assist you and explain the buying and selling process TO ARRANGE AN INITIAL CONSULTATION PLEASE CALL conveyancing@grantsaw.co.uk
More informationCONTENTS. Introduction Buying Property in Spain. Before You Buy. The Buying Process. Post-Completion. Spanish Lawyers.
Buying Guide CONTENTS 1 2 Introduction Buying Property in Spain Before You Buy 3 4 5 The Buying Process Post-Completion Spanish Lawyers 6 Currency Exchange 7 Spanish Mortgages 8 Finance & Mortgage Summary
More informationTenants Guide to the Right to Buy
Contents Section Page No. 1 Welcome to our Right to Buy Guide 2 2 Our Service Standards 3 3 Warning Cold Callers 4 4 Introduction to Right to Buy 5 5 Steps in the Right to Buy process 6 6 The Section 125
More informationCHURCHWOOD FINANCIAL LIMITED Terms and Conditions of Business
National House 80 82 Wellington Road North Stockport SK4 1HW CHURCHWOOD FINANCIAL LIMITED Terms and Conditions of Business Introduction Important Note: These Terms and Conditions of Business explain our
More informationPOLICY CONDITIONS Conductor Personal Pension Plan (PC CPPP 06/11)
POLICY CONDITIONS Conductor Personal Pension Plan (PC CPPP 06/11) Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Contract and definitions Contributions The funds Unit linking Benefits General
More informationTips for Efficient Short Sales
s for Efficient Short Sales A guide for real estate professionals October 2015 s to avoid delays 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. Get educated about Bank of America short sales Set expectations: short
More informationRESIDENTIAL REAL ESTATE PURCHASE CONTRACT. 1.1 The Property is the Land, Buildings, Unattached and Attached Goods located at (municipal address):
This Contract is between: RESIDENTIAL REAL ESTATE PURCHASE CONTRACT Name THE SELLER And THE BUYER Name PROPERTY 1.1 The Property is the Land, Buildings, Unattached and Attached Goods located at (municipal
More informationBusiness lawyers who speak your language...
www.vyman.co.uk Business lawyers who speak your language... Vyman is a young, dynamic law firm, established in 1998 having now grown to a complement of three offices: Harrow, Gravesend and Medway. If you
More informationOFFER TO PURCHASE. SERVANT's ROOM
OFFER TO PURCHASE I, We, the Purchaser/s: [hereinafter referred to as the Purchaser] Address: HEREBY OFFER TO PURCHASE FROM: The Seller/s: [hereinafter referred to as the Seller] THE PROPERTY WHICH IS
More information1. Governing Laws. 2. Ownership of a Foreign Company
1 1. Governing Laws Company law of Iran is incorporated into the Iran s Commercial Act and into Amended legal Bill of a Part of Commercial Act of Iran. There are also other regulations regarding companies
More informationBENDIGO AND ADELAIDE BANK GROUP
HomeLend Line of Credit (Unregulated) Home Loan Booklet National Mortgage Market Corporation Pty Ltd ABN 52 006 325 640 120 Harbour Esplanade, Docklands Vic 3008 Phone: 1800 061 091 Fax: (03) 8414 7252
More informationGUIDE TO MOVING. We can give you a breakdown of the costs involved
GUIDE TO MOVING "I'll never do this again!" So many people say this at some stage when they are buying and selling a house that we have prepared this guide to assist you. It outlines how the transaction
More informationFAQ s (FOREIGN INVESTORS)
FAQ s (FOREIGN INVESTORS) WHAT IS FIRPTA? Foreign Investment in Real Property Tax Act, a statute that requires that a seller who is a foreign person permit a withholding of a part of the selling price
More informationUEFA EURO 2016 TICKET RESALE PLATFORM TERMS AND CONDITIONS
UEFA EURO 2016 TICKET RESALE PLATFORM TERMS AND CONDITIONS A. INTRODUCTION 1. Scope Union des associations européennes de football (UEFA), the European governing body responsible for the sport of football
More informationNational Margin Lending. Make your investment portfolio work for you
National Margin Lending Make your investment portfolio work for you Contents What is Margin Lending? 3 Why choose National Margin lending? 5 Why gear? 6 How much can you borrow with National Margin Lending?
More informationAccurate cheque writing When writing or accepting a cheque, ensure that all details are correct to avoid unpaid cheque Charges.
Business Banking Schedule of Charges - Great Britain June 2011 Introduction Bank of Ireland UK offers many free services, but where Charges are applied this fact sheet explains them and how it is possible
More informationOur Charges. 2. Valuation fee From 135. Estimated property value Valuation report cost
Our Charges This document sets out the main costs that you may incur during the course of your mortgage term. If our charges change in the future, you will be charged the updated fee. We will Our always
More informationMortgage Product Guide
Nov 2015 Issue 04/15CPI Mortgage Product Guide For intermediary use only These products are available exclusively through the selected distributors below. Benefits of using The Mansfield: No automated
More informationhttp://www.latinlawyer.com/reference/topics/67/jurisdictions/4/argentina/
Page 1 of 8 Argentina Juan Manuel Quintana and Iván Burin Zang Bergel & Viñes Abogados 1. Are foreigners and entities controlled by foreigners permitted to own real estate directly, or are there specific
More informationLOAN APPLICATION FORM
LOAN APPLICATION FORM OVERDRAFT HOME LOANS/FIXED RATE/VARIABLE RATE MORTGAGE LINE OF CREDIT LOANS If you have any difficulty understanding this document because it is in English, you should have it interpreted.
More informationAct No 129/2010 Coll.
Act No 129/2010 Coll. on consumer credits and other credits and loans for consumers and amending certain laws, as amended by Act No 394/2011 Coll., Act No 352/2012 Coll., Act No 132/2013 Coll., Act No
More informationYour guide to conveyancing. The journey starts here. Minimise delays with our top tips. navigat r. a nudge in the right direction
Minimise delays with our top tips The journey starts here navigat r a nudge in the right direction Things you can do to help We know you want to move quickly. This guide highlights things you can do along
More informationMUTHOOT VEHICLE & ASSET FINANCE LTD. LOAN POLICY
1 MUTHOOT VEHICLE & ASSET FINANCE LTD. LOAN POLICY Muthoot Vehicle & Asset Finance Ltd. (MVFL) is a Deposit taking Asset Finance Company licensed by the Reserve Bank of India for carrying out non banking
More informationRussian Rouble payment requirements.
Russian Rouble payment requirements. When making payments in Russian Roubles (RUB) there are requirements, set by the Russian Central Bank, to include identifying codes on certain payments An INN code
More informationCONVEYANCING Frequently Asked Questions
57 Buckingham Gate, St James s Park, London, SW1E 6AJ 26 Ives Street, Knightsbridge, London SW3 2ND Email: mail@ashleywilson.co.uk CONVEYANCING Frequently Asked Questions 1. How long does it take to buy
More informationGuide to buying property in Austria
Guide to buying property in Austria Contents Procedure for Purchasing Property 2 Property and Usage Rights 3 Financing 5 Taxes 6 Due Diligence 7 Protection of the Buyer 8 Protection for the Vendor 8 Attorney,
More informationForeign Investment in Real Property Tax Act 1980 Buyer AND Seller Beware. By R. Scott Jones, Esq.
Foreign Investment in Real Property Tax Act 1980 Buyer AND Seller Beware By R. Scott Jones, Esq. This article summarizes the tax withholding rules imposed on a buyer and his/her agent when purchasing U.S.
More informationClients Copy. Terms and Conditions of Business
Terms and Conditions of Business Our aim at Refresh Debt Services is to help you on your way to financial recovery. We aim to be transparent in all our dealings with you so that you understand every aspect
More informationSelf Build Mortgage Application Form. Stage 2 of 2
Self Build Mortgage Application Form Stage 2 of 2 Please submit stage 2 form to BM Solutions PMP, Birmingham Midshires PO Box 136 Wolverhampton WV9 5HZ to upgrade to full application once customer has
More informationADVICE NOTE BUYING AND SELLING YOUR FLAT. A summary of the typical events when buying and selling a leasehold flat
ADVICE NOTE BUYING AND SELLING YOUR FLAT A summary of the typical events when buying and selling a leasehold flat 2 CONTENTS Note: As the leading trade body for residential leasehold management, ARMA is
More informationScott s Real Estate Investment Trust. Interim Consolidated Financial Statements (Unaudited) March 31, 2009 and 2008
Interim Consolidated Financial Statements March 31, and Interim Consolidated Balance Sheets (in thousands of dollars) Assets March 31, December 31, Income-producing properties (note 3) 172,404 174,135
More informationapplication to invest in an Investment Account for trustees
application to invest in an Investment Account for trustees Subject to the application being accepted, the account will start earning interest from the day we receive your application and payment. Please
More informationEnhance Your Financial Security. With a Home Equity Conversion Mortgage
Enhance Your Financial Security With a Home Equity Conversion Mortgage 1 Call for Additional Information 888.732.1005 1 Unlock Your Home s Equity We understand that you want to transition easily into the
More informationStandard Mortgage Terms
Page 1 of 45 Standard Mortgage Terms Filed By: Canadian Imperial Bank of Commerce Filing Number: MT160006 Filing Date: March 17, 2016 The following set of standard mortgage terms shall be deemed to be
More informationPST-5 Issued: June 1984 Revised: August 2015 GENERAL INFORMATION
Information Bulletin PST-5 Issued: June 1984 Revised: August 2015 Was this bulletin useful? THE PROVINCIAL SALES TAX ACT GENERAL INFORMATION Click here to complete our short READER SURVEY This bulletin
More informationProperty Auctions. A Consumer Guide
Chartered Surveyors Auction Booklet 2 20-9-11 21/09/2011 15:51 Page 1 Property Auctions A Consumer Guide 1 Property Auctions A Consumer Guide Property Auctions are a useful way of buying and selling property
More informationNATURAL DISASTER RELIEF SCHEME Assistance for Small Business
NATURAL DISASTER RELIEF SCHEME Assistance for Small Business The Natural Disaster Relief Scheme assists small business operators affected by flood/fire/storm damage or any other declared natural disaster.
More informationTITLE & ESCROW OVERVIEW
WE MAKE COMPLEX EASY. TITLE & ESCROW OVERVIEW The following materials are intended only for educational and informational purposes. They do not contain a complete analysis of the laws, regulations and
More informationBuying Real Estate in Germany An Overview
Dr. jur. Markus A. Stuppi LL.M. (Georgetown University Law Center) Notary Ludwigstr. 21 66849 Landstuhl/Germany Phone 06371/2081 Fax 06371/18497 Mail: notar-stuppi@online.de Web: www.notar-stuppi.de (contains
More informationMORTGAGES. The easy guide for customers looking for a mortgage
MORTGAGES The easy guide for customers looking for a mortgage Introduction Buying a Home Your home is where you ll spend most of your life, and so it should be somewhere you really love. Whether buying
More informationPartnering with you to buy your home or investment property. Finding the right loan, how much to borrow and approval steps
Partnering with you to buy your home or investment property Finding the right loan, how much to borrow and approval steps Contents 04 Finding the right loan 08 Saving and borrowing for your home 12 Five
More informationSPANISH LIFETIME MORTGAGE
SPANISH LIFETIME MORTGAGE The following presentation relates to a Lifetime Mortgage which is available to European owners of Spanish Residential properties who are fluent in English. Golden Age Distribution
More informationINTERMEDIARY SELF BUILD MORTGAGE APPLICATION FORM.
Roll number INTERMEDIARY SELF BUILD MORTGAGE APPLICATION FORM. Stage 2 of 2 Please submit this form to: Self Build Team Pentland House 8 Lochside Avenue Edinburgh Park South Gyle Edinburgh EH12 9DJ It
More informationStandard Charge Terms Land Registration Reform Act
Page 1 of 32 Standard Charge Terms Land Registration Reform Act Filed By: Canadian Imperial Bank of Commerce Filing Number: 201610 Filing Date: March 29, 2016 The following set of standard charge terms
More informationright up your street.
buy to let landlords guide right up your street. More and more people are renting. As a landlord you ve got enough to think about, without worrying if you ve made the right financial choices. Our advisers
More informationA VENDOR FINANCIER S GUIDE TO THE NEW NATIONAL CREDIT ACT
A VENDOR FINANCIER S GUIDE TO THE NEW NATIONAL CREDIT ACT Anthony J Cordato* Overview The new National Credit Act - officially, the National Consumer Credit Protection Act - will commence on I July 2010
More informationOwning, buying and selling a park home. Know your rights. Understand your obligations.
Owning, buying and selling a park home. Know your rights. Understand your obligations. Caravan, leisure, mobile and park homes are all essentially one and the same thing, in that they provide semi static,
More informationContents. Again, if we can be of any assistance at anytime, please do not hesitate to contact us. Kind regards,
Contents 1 Introduction 2 The Quote - Sharp Young and Pearce Estate Agency and Conveyancing Offer 3 Initial Paperwork - Property Information Form - Fittings and Contents List 4 Title Deeds, Current Mortgages
More informationIntroductory Booklet for Sectional Titles
Introductory Booklet for Sectional Titles by Graham Paddock INDEX 1. What is sectional title? 2. Registration 3. Types of schemes 4. Description of ownership 5. What to check 6. Sectional plan 7. Common
More informationDEFERRED PAYMENT AGREEMENT. Information Pack for our service users and their families or representatives
12 WEEK PROPERTY DISREGARD PERIOD AND THE DEFERRED PAYMENT AGREEMENT Information Pack for our service users and their families or representatives What is the 12 week Property Disregard Period? The Council
More informationFees we charge for consumer mortgage lending products
Fees we charge for consumer mortgage lending products Effective October 2009 This booklet provides information on the fees we may charge when you purchase any of the following consumer mortgage lending
More informationManaging the tax affairs of someone who has died
Page 1 of 13 Managing the tax affairs of someone who has died Introduction This guide will help you finalise the tax affairs of a deceased person. It tells you what tax returns you may need to lodge and
More information