Testing the water before you buy .......

 

Dear Spain lovers.....

 

‘Over’-winteraanbod   -10% -15% -20% op het normale  ->Verhuuraanbod   enkel voor de volgende locaties werkt dit uit aan deze winterprijs zonder electriciteitspanne zoals eventueel in België.     Click -> La Cala Finestrat 38€ per dag m/m  7 dagen 35€ per dag m/m 14dagen 24€ per dag m/m 31dagen   Click -> Benissa Costa 73€ per dag m/m    7dagen 69€ per dag m/m  14dagen 30€ per dag m/m  31dagen   Click-> Cumbre del Sol 73€ per dag m/m   7dagen 69€ per dag m/m  14dagen 30€ per dag m/m  31dagen     Deze supertarieven zijn geldig van 1 oktober 2014 tot en met 31 maart 2015.

Special Winter Stay offer    -10% -15% -20% off the regular -> Rentals fees   this winter price works out only for the following locations as following and without electricity breakdown as can occur in Belgium.   Click -> La Cala Finestrat 38€ per day m/m  7 days 35€ per day m/m 14days 24€ per day m/m 31days   Click -> Benissa Costa 73€ per day m/m    7days 69€ per day m/m  14days 30€ per day m/m  31days   Click-> Cumbre del Sol 73€ per day m/m   7days 69€ per day m/m  14days 30€ per day m/m  31days     These promotional rates are valid as from October 1,2014 up and included March 31, 2015

Offre Hiver Chaud   -10% -15% -20% sur le prix indiqué a->Location   ce qui donne ce prix d'hiver, seulement pour les endroits suivants, sans coupure d'électricité que vous risquez en Belgique.   Click -> La Cala Finestrat 38€ par jour m/m  7 jours 35€ par jour m/m 14 jours 24€ par jour m/m 31 jours   Click -> Benissa Costa 73€ par jour m/m  7 jours 69€ par jour m/m 14 jours 30€ par jour m/m 31 jours   Click-> Cumbre del Sol 73€ par jour m/m  7 jours 69€ par jour m/m 14 jours 30€ par jour m/m 31 jours     Ces super taux sont valable à partir du 1er Octobre, 2014 au 31 Mars 2015 inclus.

 

 

Opt-Out …I would be sad to see you go… but will comply, when must.

 

 

 

Visitez nous, Bezoek ons, Visit us at ->  http://www.elpremio.es 

 

Real estate made to measure – the first and only Real Estate Agent Network where you can clearly indicate your search options related to location, size, distance to sea, views , airport reach, installation, pool, n° rooms, kitchens, bedrooms, terraces, ….budget Indicate all what is important to You. Ideas visit  ->  Top Segment – Middle Segment – Budget Segment or mails Francis

 

Hasta la vista & Buena Fortuna,

 

Paul Van den Brande

Independent Freelance Business Development & Direct e-Mail Support

paul@elpremio.es

Mobile +34 616 481 057

 

Should You Buy Or Build A Home? By Jean Folger

Take advice from an expert    

 

A home is usually the single largest investment that a person makes. Most buyers end up spending a great deal of time and energy either searching for or designing "the perfect home" before signing any contracts. Location, price, market trends, property taxes, homeowners association fees and the condition of the property are factored into the house hunt. In addition, each buyer typically has a wish list that includes specific needs (the things the buyer absolutely have to have) and wants (the features the buyer would like, but could do without if necessary). While the home-buying process involves a number of important choices, one of the very first decisions buyers need to make is whether to shop for an existing home or build a new one. Each path has its advantages and disadvantages. Here's a look at both sides.
 
Buying an Existing Home

There are two primary advantages to buying an existing home: convenience and cost. Once you are pre-approved by your lender, you can shop around, pick out a home and make an offer. A qualified real estate agent can streamline the process by helping you find appropriate properties, guiding you through negotiations and assisting with the paperwork. Once your offer is accepted, you may be able to close and move in within a month or two.

Even though the process involves numerous steps – such as financing, viewing homes, making offers, home inspections and closing – the convenience of being able to move in right away is compelling enough for many people to choose an existing home over a build. This may be especially true for buyers on a tight schedule, such as those relocating for a new job or whose children will be starting at a new school.

Then there's cost: In many (but not all) cases it is cheaper to buy an existing home. According to data compiled by the National Association of Home Builders, the median new home price in 2013 was $268,900, versus $197,400 for existing homes during the same year. Depending on your target real estate market, prices for existing homes may still be quite favorable in the aftermath of the financial crisis and housing bust that significantly lowered real estate prices across the nation.

Another reason an existing home may be a better option is if you would like to be in a particular established neighborhood – near work, school, friends and/or family. Odds are, too, that the home will have mature landscaping, so you won't have to worry about starting a lawn, planting shrubs and waiting for trees to grow. And if you want to live close to town, your best bet will be an existing home since most, if not all, of the land will have already been built upon.

On the flip side, the biggest disadvantage in buying an existing home may be that you won't get exactly what you want. You may not be in love with the floor plan, may wish that half bath on the first floor were a full bath or that there were another bedroom on the main floor. Older homes in particular may be functionally obsolete, and no longer meet the needs of most buyers. For example, an otherwise beautiful four-bedroom house may only have one bathroom, or the kitchen may be too small with no room for expansion. Unless you find an existing home that has exactly what you want and is in perfect condition, you will have to spend additional money on remodeling, repairs, decorating and/or landscaping. These additional expenses should be factored into the overall price, especially when choosing among various properties or comparing the cost to building your own house.

Building a Home

Building a new home does not offer the same convenience as buying an existing house. Not only do you have to find the land, which will very likely not be in an existing neighborhood, you also have to factor in the time to find an architect or builder, and choose every element of the new structure. Joining an existing development can streamline the process, though it may limit your degree of choice. You also need to worry about systems, such as whether the land gives you access to municipal water and sewage, or requires a well and septic system, along with any environmental and other permits.

The big advantage: You are much more likely to get exactly what you want. For many, this factor alone is enough to choose building over buying, but there are other advantages, too. "A new home is more efficient, especially with the new energy codes including better HVAC [heating, ventilation and cooling], insulation and air filtration standards," says Guy Burtt, principal with Riverstone Develoompent Group, a full-service, licensed general contractor and construction manager engaged in commercial, residential and renovation construction projects. Better efficiency is good for the environment and can save you money on your utility bills each month.

Another perk? A new house may literally be better for you. "A new home is less likely to have the health concerns or toxic materials of an older home – things such as asbestos, lead paint, mold, etc.," says Burtt. And it can be built with certain materials making it better for the environment. "Green appliances/Energy Star rated appliances, and more efficient toilets, plumbing fixtures and electrical fixtures allow you to build "green" for a more sustainable home in the long run. And you have the option to install, sleeve and/or wire for future technology upgrades, such as home automation and solar," says Burtt.

Even though the upfront costs of building can be higher, it may be easier to recoup your investment. "You can have more significant profits with the resale of your new home. A newer home is typically more appealing than an older home to most people," Burtt says. In addition, a new home will require fewer repairs and less maintenance, which can save both money and time. And, as Burtt points out, you'll have a warranty with a new home, so even if something does go wrong, you may still be covered.

Money and features aside, building a house can lead to a level of satisfaction that you can't achieve through buying an existing home. "There is a definite feeling of an emotional connection to living in a new home that you have created," says Burtt. "The new-home smell, no one else has stepped foot (or pets) on your carpet. This is your creation that matches your style and personality, that you created from scratch."

The biggest drawbacks to building a house tend to be the higher costs and longer timeframe, both of which can increase throughout the home-building process. That said, you can limit the risk that your house will go over budget or take longer than you expected by working with a reputable builder and having a good contract in place. "Have your potential builder provide references and then check their past homeowner references," says Burtt. To avoid unexpected price increases, "Try to use a lump-sum contract, instead of a cost-plus contract." A lump-sum contract specifies a fixed price for construction, putting the risk of cost overruns on the builder instead of the buyer.

In addition, your contractor should work with you to help you reduce costs. "Your builder should provide a list of cost-saving items, if requested," says Burtt. Substituting different materials and fixtures can save thousands of dollars, so if costs are a concern, ask ahead of time if there's a cheaper alternative. And keep in mind that anything out of the ordinary is going to cost more. "Custom colors and ornate shapes of materials are certain ways to go over budget," says Burtt.

If you're buying a builder home, be sure that everything you need is included. For details on what to put on your checklist, see New Construction's Hidden Costs Can Burn Buyers.

To control the timeframe, "Try to have a contract that includes a construction time duration," says Burtt. "Avoid the open-ended deadlines, and have a game plan and schedule." If you are out of state, you'll want to make sure your builder keeps you up to date with the progress. "Ask if the builder will provide progress photos on a regular basis, and determine who will be your main point of contact throughout the process," says Burtt. In addition, to save both money and time, maintain good communication with your builder and make sure you are happy with the design/specs before the build begins. It's not good for you or your builder if you change your mind about the color of the granite countertops after they've already been installed.

The Bottom Line

Even if you start off your home search set on finding the perfect existing property, you may end up deciding to build to get exactly what you want. Conversely, you may plan on building and later decide an existing home is a better fit. In either case, working with a qualified and experienced professional – whether that's a real estate agent or a general contractor – can help ensure the process goes as smoothly as possible.

Buitenlands vakantiehuis minder belast 19/09/14 - 05u27 Bron: Belga

Wie een vakantieverblijf in Spanje, Frankrijk of een ander EU-land heeft, zal daar iets minder belastingen moeten op betalen. Dat besliste het Europees Hof van Justitie, zo melden diverse kranten vandaag.

Belgen betalen belastingen op de inkomsten uit hun vastgoed. Voor binnenlandse woningen worden die inkomsten geraamd via het kadastraal inkomen, wat doorgaans een pak lager ligt dan de echte verhuurwaarde. In het buitenland kan de fiscus echter wél die reële huurwaarde gebruiken als belastbare inkomsten. Dat betekent dat de eigenaar belastingen betaalt berekend op een grotere som.

Het Europees Hof van Justitie vindt dat een discriminatie en besliste dat Belgische rechters de belastingregels voor buitenlandse woningen niet mogen toepassen. Wie toch op echte huurinkomsten van buitenlandse woningen wordt belast, kan daarom een bezwaar aantekenen bij de fiscus.

Het Europees Hof van Justitie velde het arrest vorige week donderdag in alle stilte. Gisteren pas raakte het arrest bekend.

Meer Belgen geven tweede verblijf in buitenland aan 6/09/14 - 07u49  Bron: Belga

Het aantal Belgische belastingbetalers die aangeven minstens een tweede verblijf in het buitenland te bezitten is op een jaar tijd met 14 procent gestegen. Dat schrijven de kranten van Sudpresse op basis van cijfers van de FOD Financiën voor 2013.

Van de Belgen gaven er 57.362 zo'n tweede verblijf aan, tegenover 50.281 in 2012. In vijf jaar tijd gaat het om een stijging met 46 procent.

Het fenomeen is volgens de kranten ongetwijfeld te wijten aan de vele mogelijkheden waarover de fiscus ondertussen beschikt om fraudeurs op te sporen, maar evenzeer aan de lage rente op de spaarboekjes.

Lets discuss business over a cup of coffee in Spain!

Real estate made to measure – the first and only Real Estate Agent Network where you can clearly indicate your search options related to location, size, distance to sea, views , airport reach, installation, pool, n° rooms, kitchens, bedrooms, terraces, ….budget Indicate all what is important to You. Ideas visit  ->  Top Segment – Middle Segment – Budget Segment or mails Francis

In the Spotlight – In de Kijker – Offre Exceptionelle

Benissa – Spain

Royale en ruime goed onderhouden villa met een gastenappartement. Voor wie privacy en kwaliteit belangrijk is. Leven te midden van veel groen, en toch alles op korte afstand hebben. Een echte aanrader. Specificaties en voorzieningen: http://tinyurl.com/lqaxzcj Of huurt u eerst liever? Click -> Verhuuraanbod

Generous and spacious well maintained villa with a guest apartment. For whom privacy and quality of live is important. Surrounded by greenery, yet having everything within easy reach. Highly recommended. Specifications and Facilities : http://tinyurl.com/kypmxlh Or do you prefer to rent first ? Click -> Rentals

Généreuse et spacieuse villa bien entretenue avec un appartement de d’hôtes. Pour qui la vie privée est de qualité très importante. Entouré de verdure  néanmoins avoir tout à proximité. Hautement recommandé. Spécifications, Installations, amémagements http://tinyurl.com/klf3cq9 Préfériez vous la location d’abord ? Click -> Location

Or Opt-Out …I would be sad to see you go… but will comply, when must.

Een gouden opportuniteit door een click:

Golden opportunity  -> http://elpremioimmo.blogspot.com.es/ <-Superbe occasion.

Visitez nous, Bezoek ons, Visit us at ->  http://www.elpremio.es 

Hasta la vista & Buena Fortuna,

Paul Van den Brande

Independent Freelance Business Development & Direct e-Mail Support

paul@elpremio.es

Mobiel  Be +32 (0) 486 509 056

Movil    Es  +34      616 481 057

Duplex Appartement Javea Costa - Ref: D 7138-4 and/or Villa Benissa Costa - Ref: V 6038-4

Duplex Appartement Javea Costa - Ref: D 7138-4

4 slaapkamers en 3 badkamers. Klein complex met 15 eenheden. Zeer hoge afwerkingsgraad. Op wandelafstand van de kust en de winkels. Goed gelegen voor verhuur. Aan een prijs van € 315.000 + Kosten Koper.

4 chambres et 3 salles de bains. Petit complexe avec 15 unités. Finition haut de gamme. À quelques pas de la côte et des centres de commerces. Bien situé pour la location. Au prix de € 315 000 + Frais Acheteur

4 bedrooms and 3 bathrooms. Small complex with 15 units. Very high finishing. Within walking distance of the coast and the shops. Well located for rental. At a price of € 315,000 +Buyers Charges

Specificaties, voorzieningen Of huurt u eerst liever? Click -> Verhuuraanbod

Spécifications, instalations Ou préfériez vous la location d’abord ? Click -> Location

Specification & Facilities Or do you prefer to rent first ? Click -> Rentals

Villa Benissa Costa - Ref: V 6038-4 

  

4 slaapkamers en 3 badkamer Zeer centraal gelegen. Op wandelafstand van één van de mooiste strandjes van de regio, met barretjes en restaurants. Aan een prijs van € 395.000 + Kosten Koper.

4 chambres et 3 salles de bains. Très centralement situé. À quelques pas de l’une des plus belles plages de la région, avec ses bars et restaurants. Au prix de € 395.000 ,00 + Frais Acheteur

4 bedrooms and 3 bathroom Very centrally located. Within walking distance of one of the most beautiful beaches of the region, with bars and restaurants. At a price of € 395.000,00 + Buyers Charges

Specificaties, voorzieningen Of huurt u eerst liever? Click -> Verhuuraanbod

Spécifications, instalations Ou préfériez vous la location d’abord ? Click -> Location

Specification & Facilities Or do you prefer to rent first ? Click -> Rentals

Real estate made to measure – the first and only Real Estate Agent Network where you can clearly indicate your search options related to location, size, distance to sea, views , airport reach, installation, pool, n° rooms, kitchens, bedrooms, terraces, ….budget Indicate all what is important to You. Ideas visit  ->  Top Segment – Middle Segment – Budget Segment or mails Francis

Visitez nous, Bezoek ons, Visit us at ->  http://www.elpremio.es 

Hasta la vista & Buena Fortuna,

Paul Van den Brande

Independent Freelance Business Development & Direct e-Mail Support

paul@elpremio.es

Mobiel  Be +32 (0) 486 509 056

Movil    Es  +34      616 481 057

Or Opt-Out …I would be sad to see you go… but will comply, when must.

Real estate values in Spain have increased by around 1% and the percentage of overseas buyers has risen to a record 13.03%, according to the Association of Registrars

Spanish house prices are rising for the first time in six years – just as the ratio of purchases by overseas property buyers hits a new record, new figures show.

Prices rose 0.97% year-on-year in the second quarter of 2014 and were up 1.53% from the previous quarter, according to the El Índice de Precio de la Vivienda de Ventas Repetidas( IPVVR) price index from in the Estadística Registral Inmobiliaria, from the Association of Registrars.

A high of 13.03% of home purchases recorded in Spain were made by foreigners, led by UK buyers at 15.77%, followed by the French (10.11%), Russians (8.08%), Germans (7.53%), Belgians (7.26%) and Swedish (5.93%).

But house sales fell by 5.49% over the previous quarter to 78,464, although it was significantly above the record Quarter 4, 2013, low of 72,560 purchases. This was due to an 18.89% quarterly fall in the number of new homes bought, which totalled 30,605 purchases (39.01% of total).

Andalusia had highest number of recorded purchases (15,583), followed by Catalonia (11,980), Comunidad Valenciana (11,591) and Madrid (10,522).

Separate figures from the Spanish Real Estate property website show that overseas property purchases on the Spanish coast last year were led by Russians who spent close to double the average spend.

The average value of property bought by the foreigners in the Alicante and the Costa Brava regions in 2013 was €381,000, according to Spanish Real Estate

But Russians spent an average of €678,422, followed by the Germans (€ 338,716), Belgians (€ 346,728), British (€ 190,633) and French (€ 171,644).

Beatriz Toribio, from the research department at Spanish Real Estate, says,  ”The home purchases by foreigners has become one of the main drivers of the Spanish property market.

“They are attracted by our good living conditions and the great opportunities offered by the sector, as housing has devalued by 41% from the highs reached in 2008. This percentage rises to 53% in many areas of the Spanish coast, the main attraction of foreigners who want to buy homes in our country.

“British and French nationalities are still leading the ranking of purchases by foreigners, but those who spend more money on the coast are Russian citizens, followed by the Germans.”

Most of the purchases were made in Alicante, Málaga, Santa Cruz de Tenerife, Islas and Girona. Russians and British buyers favour the Alicante coast, but there housing preferences are different.

Russians invest an average of €678,424 mainly in exclusive and upscale homes, including large flats, townhouses or detached houses, with an average of 462 square metres. Russians also bought prime detached villas and terraced homes in Costa Brava, spending an even higher average of €718,771 on  average home of 398 square metres.

Britons, however, spend a much lower average of €190,633 on Alicante apartments, flats or small terraced houses of 138 square meters.

Belgians prefer the  coastal areas of Malaga, Canaries and Murcia, with half Belgian investing €414,087 on homes of 252 square metres on average on the Malaga coast, €334,749 on 241 square metre properties in the Canary Islands and  €291,348 on 233 square metre homes on the Murcia Coast.

Germans target the Balearic and Canary Islands and spend an average of € 338,715 on detached and terraced houses. In the Balearics, they spend €342,682 on houses 188 square metre homes and in the Canary Islands they spend €334,749 on an average 241 square metre property.

The French mainly buy smaller 83 square metre homes, most of them apartments, in Catalonia, especially in the Costa Brava, for €171,644. Usually, the French bought smaller than other nationalities homes.

A very small percentage of French buyers were attracted by the luxury homes of the Catalan coast and spent on average € 793,000 on 385 square metre properties.

The Spanish Real Estate website has seen a 21% rise in searches for luxury homes worth more than €500,000 that qualify for the ‘Golden Visa’ property-for-residency scheme for non-European Union citizens. Madrid led the search areas, followed by Catalonia, Andalusia, the Balearic Islands, the Basque Country and Valencia.

By Adrian Bishop, Editor, OPP Connect
Twitter: @oppnews