KAUF KOSTEN wann Sie ein Apartment oder Villa Kaufen:(In moment,Nur auf English)
GASTOS de la COMPRA de un INMUEBLE en MALLORCA(En Ingles de momento):
MALLORCA - REAL - ESTATE . COM
Roberto Jaime Gourlay
E-MAIL ADDRESS: roberto@mailmallorca.com
TELEPHONES:
MOBILE: iPhone nº 1: (+34) 608.838.612
MOBILE: iPhone nº 2: (+34) 619.636.085
MOBILE: iPhone nº 3: (+250) 618.2670 (CANADA + USA)
HOME - OFFICE - CALL FORWARDING: (+34) 971-681873
FAX: DEDICATED Mallorca Real Estate FAX PHONE LINE 24 Hours: (+34) 971-680320
Mallorca Mailing Address: Roberto J. Gourlay, Apartado 1423, Palma de Mallorca, España - Spain 07080.
Mallorcan SERVICES OFFERED by Roberto Gourlay - Mallorca-Real-Estate.com:
*NIE Numbers- Foregin Identity Number: Needed to purchase home, boat, car, business in Mallorca.
*RESIDENCY- DONE in 24hrs for European resident, non resident NIE for non-Europeans 48hrs.
*TAX /FISCAL ACCOUNTING- In English for business/investments in Mallorca.
*POWERS OF ATTORNEY- Trouble-free way to buy, sell, administer property when not here.
*LICENCES- For your Business, Car, Boat, Plane on Mallorca.
*BUILDING PERMITS- Mallorcan Certificates of Habitability, Electrical Certificates.
*TELEPHONES:- Landline/mobile, ADSL internet, fax, pay as you go or contract.
*SATELLITE- TV, cable TV, ONO, IMAGENIO, TDT digital TV.
*DEED SEARCHES, MERCANTILE REGISTRY SEARCHES on Mallorca.
*LEGAL PROPERTY VALUATIONS- For Banks, court cases, inheritance settlements.
*TRANSLATIONS:- Contracts, Documents, almost any language.
*ON THE SPOT EMERGENCY TRANSLATIONS- English to Spanish via mobile phone.
*BANKING AND FINANCE- Loans, Mallorca resident/non-resident bank accounts.
*MEDICAL AND HEALTH INSURANCE-Coverage for you or Family.
*INSURANCE- Home, Business, Car, Boat, Aircraft.
*BUSINESS - COMMERCIAL PROJECTS-Obtain opening licences, town hall permits.
*CONSTRUCTION AND REFORMS- Supervision, estimates, recommendations.
* PLUMBER, ELECTRICIAN, LOCKSMITH, MECHANIC- Emergencies, Repairs or Instalations.
*PROPERTY ADMINISTRATION AND MANAGEMENT-Be it a Villa or block of apartments.
*SPANISH LAWS- Consulting, introduction to the correct professional you need.
*ADVERTISING AND MARKETING- Your property, business, or service. Radio, TV, Press.
*CAR and BOAT RENTALS, YACHT CHARTERSon Mallorca.
*TRAVEL - FLIGHTS/FERRIES- Mallorca to almost any destination.
MALLORCA REAL ESTATE has been CO-OPERATING WITH 44 OFFICES HERE IN MAJORCA, for over 23 years now, as well as affiliate offices in the UK, HOLLAND (VMI), GERMANY, DUBAI, USA, CANADA, DOMINICAN REPUBLIC, DENMARK and MAINLAND SPAIN
Go to the AUTOMATIC EMAIL REPLY FORM at the bottom of this page.
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CONTACT US IMMEDIATELY!**********
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Generally speaking, when you purchase a real estate property, your purchase costs are as follows:
The BUYER is responsible to pay for his/her lawyers fee, plus the deeds, the deed search, the notary and registry fees, the property transfer taxes which are currently at 7%.
The PLUS VALUE TAX in the Balearics is usually paid for by the BUYER unless otherwise agreed upon which is seldom. The reasoning here is the property "jumps" in value at least 12% when the ink is dry on the deeds, and the new buyer will also benefit from the plus value INCREASE in the value of his property as time goes on.
In the case of brand NEW properties from a builder, the VAT (I.V.A.) tax is 7%; plus the PLUS VALUE ( Town Hall ) tax (unless specified otherwise), and the bank valuation fees IF a bank loan is required.
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BANK LOANS: Residents and Spaniards can get from 50% to 80% financing when buying a first or main dwelling, the norm used to be 80% bank financing BASED ON THE BANK VALUATION OF THE PROPERTY, but with the current climate, banks prefer to make loans around the 50% to 70% range. IF your proof of income and delaration of your wealth is above the norm, chances are you will be able to get a higher mortgage.
The bank valuation can be anywhere from 10 to 35% LOWER than the MARKET price or asking price of the property.
NON RESIDENTS can get up to 60 or 70% Bank financing,, 80% can be obtained under special circumstances (your income and wealth), if you are offering greater solvency and capacity to pay back the loan.
The buyer must then be aware that his purchase costs NOW INCLUDE the following:
Paying for the bank valuation survey, a bank charge of 1% to 1.5% opening of the loan costs, the notary and registry and deeds costs for the loan and a 1% tax for the "Hacienda" of the loan amount plus all this ON TOP of the notary and registry costs for buying the property, plus the buyer could be liable to pay a 1% to 3% fee if he/she pays off the bank loan ahead of the contracted time. This condition is flexible and differs between various banks.
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We can help you in ALL aspects of getting bank financing for your property, and some times, we can even negotiate PRIVATE OWNER FINANCING to help the buyer make the purchase.
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INTEREST RATES: They vary from 2.75% to 4.5% depending on the conditions of the loan and the risks to the bank. There is one bank in Palma that offers 2.75% mortgage interest DURING THE FIRST YEAR of the loan. After that it goes to a variable rate.
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OVERALL COSTS:
IF you are paying CASH for the property and you do not need any bank FINANCE, your purchase costs then are limited to: 1) Notary.
2) Property Registry.
3) Spanish Tax Office...7% tax usually. IF the property is a FREEHOLD BUSINESS (Bar, Hotel, Premesis etc.) its 16% tax.
4) Town Hall Plus Value Tax where applicable.(Some country farms do NOT have any Plus Value tax.)
5) Documents and Judicial Acts (0.5%)
In approximate terms, the above costs will represent a total of 9.8% of the declared purchase price on the deeds.
PURCHASE WITH FINANCING:
Apart from the costs mentioned above, if you purchase the property with a bank loan through a bank, you will need to add: 1A) Official Bank Valuation costs...vary considerably from one bank to the next. 1) 1% of the loan for the tax office.
2) Notary for the bank loan deeds/contract.
3) Registry for the bank loan contract/deeds to be added to the property registry.
This can add another 1.2 to 1.5% to the purchase costs.
Please understand that these figures are not exact and might fluctuate slightlty depending on the conditions of the sale, but for general calculation purposes, these figures are correct enough to give you a realistic idea of what the purchase costs will be.
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REAL ESTATE AGENTS COMMISSION:
In Spain this is paid for by the OWNER and NOT the seller unless agreed otherwise. This commission is subject to 16% VAT (I.V.A.) paid by the owner and also the owner retains 15% of the commission to deposit in the Hacienda ( Tax Office ) as partial payment of the agents INCOME TAX. The owner will need to extend a formal receipt for this after he gets the formal invoice from the agent.
The above percentages may change with time and are strictly orientative. Please consult with a proper Spanish lawyer or Tax accountant/advisor for the latest update in that department!
The commission is legally due to be paid once the buyer and the seller sign an option contract or purchase agreement, or at the very latest, it is paid at the notary after the purchase deeds are duly and properly signed. If an agreement is made to pay off the property over a long period of time, the commission in full is to be paid for in advance as the agent has completed his job - unless otherwise agreed upon.
The agent is entitled to part of his commission when an option contract is signed and later falls through, that is, he is allowed to charge his fee percentage on the option contract funds kept by the owner as compensation for the failure of the buyer or seller to complete the sale. The reason behind that condition is that thanks to the agent, the owner has obtained those funds.
PLEASE NOTE THAT REGARDING LAWS APPLYING TO BUYING OR SELLING REAL ESTATE, THE AGENT IS NOT A PROPER LAWYER AND IN MANY CASES MIGHT NOT BE AWARE OF NEW CHANGES.
Although in my advertising the correct ENGLISH translation of "Gestor Profesional Intermediario" is something akin to "Intermediate Lawyer" as translated by the A.P.I. group - The Spanish Association of Real Estate Agents, as was PUBLISHED by the A.P.I. association in the Majorca Daily Bulletin around 1987 to describe the title of "Gestor Profesional Intermediario", and even though during two years we studied Spanish notarial law and real estate law as well as real estate marketing in the Malaga Politecnic Institute, it does not mean under ANY circumstances that we are "proper lawyers".
We can advise and counsel on the ins and outs of buying and selling property or businesses here in Mallorca and also act as a legal intermediary, but we do NOT and CANNOT replace a proper lawyer.
Our basic job is to find you the property that you want with the conditions that are more or less acceptable to you.
AFTER that step, it is highly recommended that you consult with a proper lawyer to obtain up-to-date advice on the latest taxes, laws and ways most advantageous to you when making your purchase.
The fees of the intermediary are NOT paid by you, but by the seller under current Spanish legislation OR unless agreed upon by all parties a different arrangement.
IN THE CASE THAT YOU BUY A PROPERTY THROUGH TWO OR MORE AGENTS:
Some buyers worry that,if, for example, you approach an agent who does not have the property you want, but HAS found the right property for you but through a different agent, that the purchase price will be higher due to the fees from the two agents.
You can rest easy...that is NOT true. Agents, just like doctors and lawyers, when such situations arise, simply SHARE FEES, which of course does NOT increase WHATSOEVER the purchase price of the property in question. Proof of this is easy to check...have a friend contact the second agent and ask him the purchase price of said property. It should the the SAME price as offered to you through your agent. If not, please DO question him. It could be, and this happens to ALL agents VERY OFTEN, owners list their property with agent "A". The owner MIGHT think that agent "A" is not promoting it hard enough, so, after some weeks or months pass, the owner calls agent "B" and offers him the same property but at a LOWER price in hopes of selling it faster. In this case this is NOT the fault of the agent.
In reality, the owner SHOULD ALWAYS contact the first and/or ALL agents he has it with, if he has any price or condition changes on the property. Worst thing in the world is to see the SAME property advertised at two different prices! Buyers should NOT automatically blame the AGENT. In my books, the CHEAPER the property is, the more chances I have of selling it. Increasing artificially the price is totally COUNTER PRODUCTIVE.
At the end of the day, you will be dealing directly with the owner anyway, so any price discrepancies can be easily clarified then and there - and do not be afraid to openly ASK. In this way you/we avoid misunderstandings and bad feelings.
Although the costs of a proper lawyer are paid for by the BUYER, it is definitely money well spent, and can only serve to further guarantee the correctness of your purchase and the peace of mind that comes with knowing all was done properly, correcly, legally and your purchase is secure.
Such peace of mind has no price.
I will be happy to introduce to you highly qualified Spanish lawyers as well as TAX ACCOUNTATS who speak your language and could advise you correctly what costs and taxes may be involved with your purchase.
Please note that this is NOT the job of the NOTARY, who may also advise you but he is not obliged to go into the details of your purchase regarding costs and tax obligations.
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If you wish further clarification of the above or if you have any questions, please use the handy EMAIL form below!
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Cannot find what you want? TELL US, and WE will do the SEARCH FOR YOU, answer in 24 hours.CONTACT US NOW.***********
MARINE SERVICES: BOATS, YACHTS, MOORINGS - FOR SALE, RENT and CHARTER:
SEE ALL OUR YACHTS, BOATS, MOORINGS, STORAGE for SALE, LEASE or RENT on Mallorca (ALL AREAS):
EXAMPLE nº1
One of the FASTEST boats on Mallorca. 4,100 kilos in weight, 11.15 meters long, 2.48 meters wide with TWO 365 Horse Power MERCRUISER gasoline engines for a total of 750 PS.
This lovely streamlined Cigarette RACER, built in 1989, the same model as featured in the MIAMI VICE TV SHOW, is in perfect condition. The engine water cooling system has been newly overhauled, new impeller on one of the engines, full instrument panel, many extras including the trailer. The boat is ready to go, fabulous weekend fun.
SALE PRICED AT 37,850 Euros including many extras.
EXAMPLE nº2:
NEW ON THE MARKET: Spanish owned 4.5 meter SPEEDBOAT "RIO 450 TOP" complete with recently MOT (ITV) TEST PASSED TRAILER, 4 LIFEJACKETS, 55 HORSEPOWER two stroke SUZUKI MOTOR, many extras. Needs a quick revision to make sure all is well, and its ready to GO. Spanish licenced and legal for immediate use. No import or taxes to pay.
SALE PRICED INCLUDING ALL EXTRAS - 7,000 Euros.
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INTERESTED IN INVESTING IN PROPERTY ON MAINLAND SPAIN? CHECK OUT THESE OFFERS AND PRICES:
VILLAS FOR SALE MAINLAND SPAIN:
EXAMPLE nº1
Apartments and Villas on Mailand Spain for sale at surprising prices. Example here is a village house with 3 bedrooms, 1 bath in the quaint town of MULA near Murcia Mainland Spain for ONLY 150,000 Euros!
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INTERNATIONAL REAL ESTATE: Looking for something REALLY Special? Money no problem? Look at these offers:
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PANORAMA BAY, BULGARIA, lovely LUXURY SEA FRONT LINE APARTMENTS not far from the large sandy BEACH and summer fun on the BLACK SEA near SOZOPOL, BULGARIA - a fine offer from MALLORCA-REAL-ESTATE.com.
PRICES FROM ONLY 187,000 Euros. PRIVATE OWNER FINANCE IMMEDIATELY AVAILABLE.
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INCREDIBLY LOW PRICED BUILDING PLOTS IN AN EXCLUSIVE GATED LUXURY RESIDENTIAl COMMUNITY ON THE BEAUTIFUL CAIMAN ISLANDS - PRICES FROM ONLY 37,000 EUROS.
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SEA HORSE RANCH EXCLUSIVE, SECURE and PRIVATE COMMUNITY Northern DOMINICAN REPUBLIC - THE WORLD´s MOST MAGNIFICENT TROPICAL OCEAN MANSION ESTATE BARGAIN from MALLORCA-REAL-ESTATE.com
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NEW! DUBAI - The Investors SHANGRILA - NO TAXES.Look at THESE offers:
Roberto J. Gourlay has been appointed representative by the 4th largest builder in Dubai to offer you luxury properties from BEACH and MARINA FRONT STUDIO GOLF APARTMENTS (51m2) for 113,000 Euros, 1 double bedroom luxury (72m2) for 162,000 Euros.
.... up to lavish luxury sea front mansions for 15 million Euros. All direct from the builder, immediate finance and no extra agents fees.
I will be happy to accompany you to Dubai if its your first visit and investment.
MORE DUBAI PROPERTIES direct from the builder - NO TAXES.
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SPA - WELLNESS - MASSAGE CENTERS on MALLORCA - GOOD HEALTH - GOOD LIVING.
OFFERING SPA BODY RITUALS - BODY WRAPS - FACIAL and SKIN CARE - BALNEOTHERAPY - HAND and FOOT CARE - WAXING - MASSAGES - SPA ESCAPES:
Call Sra. Marga Planells - 607.838.932 anytime. Services also done at your home, boat or business premesis.
MORE information or VISIT the HOTEL MARINA PUERTO PORTALS "SPA NEPTUNO" or the SENTIDO HOTEL CALA VIÑAS - SPA SENTIDO CALA VIÑAS.
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GENERAL INFORMATION ON MALLORCA, BEST AREAS TO INVEST, MAPS, SERVICES, LAWS, BANKING, BUILDING AND RENOVATING:
SEE MALLORCA REAL ESTATE: BEST AREAS TO BUY on MALLORCA.
SEE A MAP of MALLORCA.
See a LARGER map of Mallorca.
LOCAL MALLORCAN VILLAGE AND RESORT MAPS.
See LARGER village and resort maps.
GENERAL PHOTOS OF THE MALLORCAN LIFESTYLE.
INFORMATION REGARDING BANK FINANCING on MALLORCA.
INFORMATION: - NIE NUMBERS or BECOME a RESIDENT on Mallorca.
CONTRACTS, LEASEHOLD BUSINESS PURCHASES in Mallorca. Don Jose Maria GRAUCHES - Fiscal TAX accountant, and Investment Lawyer. Tel: 971.712440.
CONSTRUCTION INFORMATION: Mallorca: Renovations, Reforms, Etc.
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ANY QUESTIONS? CONTACT US NOW.***********
DO YOU WISH TO MAKE SOME SERIOUS INCOME? BECOME AN ASSOCIATE OF MALLORCA-REAL-ESTATE.COM:
AGENTS and INTERMEDIARIES WELCOME to work with MALLORCA-REAL-ESTATE.Com.
Mallorca-Real-Estate.com welcomes agents and intermediaries as well as other professionals to join us to work together so we may offer our clients a better service and a bigger selection of choice at NO extra cost, we simply share fees.
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If YOU have something for SALE, LEASE or RENT, please CONTACT US NOW!***********
LIFE´s EXPERIENCES PAST AND PRESENT - HOBBIES, UNUSUAL MOMENTS and FAMILY - Roberto Jaime Gourlay:
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LOCAL TV SHOWS since 1993 "Ciencia y Vida":
MORE fotos and history of shows on local and national TV.
See the show "Universos Paralelos nº 1" on You Tube.
See the show "Universos Paralelos nº 2" on You Tube.
See the show "Universos Paralelos nº 3" on You Tube.
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RADIO SHOWS since 1969 - Canada, Germany and Mallorca "Canadian Bob":
The Crystal Sound Barrier is BACK on MALLORCA thanks to the INTERNET. Listen to some shows "live" anytime.
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NASA - Visits and Interviews with TOP astronauts - a ONCE IN A LIFETIME HONOUR.
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The ROYAL CANADIAN AIR FORCE - A PASSION FOR FLYING.
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1977: Industrial Electrician in the OIL FIELDS of the SAHARA DESERT at HASSI MESSAOUD and later GHARDIA en ALGERIA.
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Enter into the fascinating world of LASERS and THREE DIMENSIONAL HOLOGRAPHIC "PHOTOGRAPHY"
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READ The MAJORCA DAILY BULLETIN ARTICLES "The Stars at Night" by Roberto:
Plane crash of my rented Cessna 177 Cardinal due to GROUND EFFECT when I was taking off from Oliver Airport south of Penticton British Columbia Canada - It was a miracle I survived.
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A CLASSIC CAR COLLECTION, Rolls Royce, Lamborghini, Porsche, AMG, Mercedes Benz, BMW:
This Lamborghini Espada GT 400, newly restored, is one of the world´s fastest street legal true FOUR seater cars. MORE photos and information on the other cars.
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Famous German Photographer Steffen Jagenburg has published a book of Car Photos called "You and Me", reflecting the thoughts and feelings of many a car owner. It is also published on the internet. See these photos taken in Mallorca.
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A PASSION FOR MUSIC - DISCO DJ SHOWS from the 1970´s with Roberto:
The passion for music history while starting a new life on Mallorca.
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A CANADIAN STAMP COLLECTION - A hobby since childhood:
Enjoy some samples of an interesting hobby - collecting Canadian Stamps. This one is the oldest in my collection- 1859 - It is OVER 150 YEARS OLD! See MORE stamps over 100 years old.
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REAL CLUB DEPORTIVA MALLORCA-FOOTBALL!
See a HISTORY in PHOTOS of Mallorca´s first division FOOTBALL TEAM - "Real Club Deportivo Mallorca".
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DAUGHTER ANGIE´s FUN Webpage: A TALENT FOR ART, a PASSION for HORSES.
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SON DANNY´s FUN Webpage: A passion for Drums, Electric Guitar, Internet Radio, Games & Star Wars.
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INTERNET RADIO:
Listen to Danny´s INTERNET RADIO SHOWS now.
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SON ROBERTO´s Webpage: Master in Marketing, Tiempos de Lirica, Director Internet Radio and Television.
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INTERNET RADIO:
Enjoy Roberto "Robbie" Gourlay Jr. in CRONICA RADIO.COM and the show "LA MONDA" and MORE....
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If YOU share similar hobbies and interests, it will be a pleasure to meet you. Contact us.***********
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Mallorca SERVICES OFFERED by Roberto Gourlay - Mallorca-Real-Estate.com:
*NIE Numbers- Foregin Identity Number: Needed to purchase home, boat, car, business in Mallorca.
*RESIDENCY- DONE in 24hrs for European resident, non resident NIE for non-Europeans 48hrs.
*TAX /FISCAL ACCOUNTING- In English for business/investments in Mallorca.
*POWERS OF ATTORNEY- Trouble-free way to buy, sell, administer property when not here.
*LICENCES- For your Business, Car, Boat, Plane on Mallorca.
*BUILDING PERMITS- Mallorcan Certificates of Habitability, Electrical Certificates.
*TELEPHONES:- Landline/mobile, ADSL internet, fax, pay as you go or contract.
*SATELLITE- TV, cable TV, ONO, IMAGENIO, TDT digital TV.
*DEED SEARCHES, MERCANTILE REGISTRY SEARCHES on Mallorca.
*LEGAL PROPERTY VALUATIONS- For Banks, court cases, inheritance settlements.
*TRANSLATIONS:- Contracts, Documents, almost any language.
*ON THE SPOT EMERGENCY TRANSLATIONS- English to Spanish via mobile phone.
*BANKING AND FINANCE- Loans, Mallorca resident/non-resident bank accounts.
*MEDICAL AND HEALTH INSURANCE-Coverage for you or Family.
*INSURANCE- Home, Business, Car, Boat, Aircraft on Mallorca.
*BUSINESS - COMMERCIAL PROJECTS-Obtain opening licences, town hall permits.
*CONSTRUCTION AND REFORMS- Supervision, estimates, recommendations.
* PLUMBER, ELECTRICIAN, LOCKSMITH, MECHANIC- Emergencies, Repairs or Instalations.
*PROPERTY ADMINISTRATION AND MANAGEMENT-Be it a Villa or block of apartments.
*SPANISH LAWS- Consulting, introduction to the correct professional you need.
*ADVERTISING AND MARKETING- Your property, business, or service. Radio, TV, Press.
*CAR and BOAT RENTALS, YACHT CHARTERS on Mallorca.
*TRAVEL - FLIGHTS/FERRIES- Mallorca to almost any destination.
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