INFORMATION wegen ABSTAND - ABLOSE KAUF auf MALLORCA:
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
AUTOMATIC EMAIL REPLY FORM BELOW - Tell us what you are looking for or if you wish to SELL, LEASE or RENT. CONTACT US NOW.
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TRASPASO in Spanish means "LEASEHOLD" and is usually the following:
The leasehold sum is an amount of money the buyer pays to take over a business or in some cases an EMPTY shop location. The MISTAKE a lot of people make is that they THINK that the leasehold sum is to BUY the equipment, decor and furniture of the business - this is NOT so.
The leasehold price is MAINLY the RIGHT TO TRADE OR DO BUSINESS IN A CERTAIN GEOGRAPHICAL LOCATION. It has NOTHING to do with the value of the stock and furniture, equipment etc.
The leasehold price of course usually INCLUDES the fixtures, fittings, signs, decoration, some stock, furniture, services installed such as Cable TV, telephones, water, electricity, plus it includes the licenses in order, however the new buyer is directly responsible for putting the licenses up to date in his name.
Special equipment, sound systems, videos and furniture can influence the cost of the traspaso.
Remember that the new owner AUTOMATICALLY has the right to RE-SELL the traspaso to someone else in the future - meaning that this sum of money is like having the FUNDS IN THE BANK WITH NO INTEREST.
If you purchase a traspaso and improve the business, renovations, better takings, then you have the right to sell the traspaso for more money in the future.
If you run the business and make a profit over the years, some people sell the traspaso for the SAME amount that they paid for years before - content to regain their investment plus the profits they have already made - this is a flexible point.
After the leasehold has been paid, the new buyer must then sign a new RENTAL CONTRACT with the FREEHOLD OWNER of the shop or location.
This owner is entitled to a percentage of the traspaso - leasehold paid, this can be from 10% to as high as 25% - each case is different. This percentage is not to be calculated on the TOTAL traspaso - leasehold price, it usually is calculated on the "value" of the shop location and size, NOT taking into account the value of the decor, equipment, fixtures or fittings.
EXAMPLE: A 150,000 Euros leasehold restaurant may have about 50,000 Euros in stock, equipment, fixtures and fittings. The owner would get his percentage due on the remaining 100,000 Euros.
Usually a 2 month deposit, plus the first months rent plus one month rent to cover legals, translations, consulting, and other paperwork done by the agent - intermediary
When dealing with Mallorca-Real-Estate we offer you ,the customer, FREE help and consulting, translations and more for ove6 6 months until you get settled into the business. WE are ALWAYS available to help you in case any problems arise, even problems that have nothing to do with real estate.
The rental contract is RENEWABLE and subject to a 15% rental increase at the start of the new contract and then afterwards it goes up according to the IPC or cost of living. This is usually between 2.5% and 3% per year lately.
Usually the contract is for a minimum of 5 or up to 10, 12 or 15 years.
IF the buyer defaults on 2 months rent, the owner has the right to go to court, and in about another 2 months the renter will be evicted by law. The BEST way to avoid those situations is to TALK. Speak to your agent - intermediary, he should be happy to liaise with the owner so that a more amiable and flexible agreement can be reached. The WORST thing to do is to repeatedly NOT pay the rent without saying ANYTHING to the owner. This makes the owner feel neglected, and that you do not care about what happens. It is ALWAYS best to communicate these problems as soon as possible to the owner...sometimes its best done by your agent - intermediary who can put things into words and perspectives in the language of the owner, allowing for a more amiable atmosphere and a real chance of coming to a happy solution.
Usually the leasehold price should be a sum that can be "saved up" or "recuperated" after between three and five years maximum. This is, of course, AFTER paying all costs, rentals, taxes, including your normal salary.
IF the leasehold price is such that the calculations show that this money cannot be recuperated until at least 6 to 10 years has passed, the traspaso is either too expensive or the business makes a good but slowly increasing margin, OR it is a rather special, privledged property that holds a "plus value" over and above the normal "traspaso" price - this could apply to business situated beach front line, or main street business-front-line positions, or the decor and building is very luxurious and expensive.
BEFORE YOU BUY A LEASEHOLD - TRASPASO, please feel free to consult with us free of charge. With many years experience in Traspasos, plus the fact that during my first 8 years in Mallorca, I owned and ran several "traspasos" - disco pubs, restaurant/pizzerias and discotheques.
It will be a pleasure to help you.
URGENT NOTE: THE ABOVE CONDITIONS COULD CHANGE ACCORDING TO NEW LAWS BEING PASSED.
"FONDO PERDIDO" or a LOW CASH PAYMENT to take over the business:
In some cases, owners of a leasehold might accept a much lower price allowing you to take over the business with a very low cash payment. This in Spanish is called a "Fondo Perdido" where the amount paid is not really a payment for the fixtures, fittings, name, goodwill, position, etc., but simply a low sum of money the owner of the business is willing to accept to walk away from it. No formal inventory or concept for this payment is written, your guarantee is the RENTAL contract where the previous owner is no longer connected at all with the business. You then have full rights to improve the business, renovate the premesis if needed, and in the future, sell it as a proper leasehold.
If you have any questions on these points please contact us via the automatic email reply form at the bottom of this page.
ON LEASEHOLD PURCHASES IT IS ABSOLUTELY IMPERATIVE THAT YOU USE AN EXPERIENCED, QUALIFIED SPANISH LAWYER TO HELP YOU WITH THE DOCUMENTATION AND PAPER WORK.
YOU WILL ALSO NEED A PROFESSIONAL TAX ADVISOR AND ACCOUNTANT TO HELP YOU WITH THE BOOKKEEPING.
ALTHOUGH A PROFESSIONAL ESTATE AGENT SHOULD BE AWARE OF NEW LAWS REGARDING LEASEHOLDS,
HE IS NOT A LAWYER AND MIGHT NOT BE AWARE OF ANY IMPORTANT CHANGES.
Señor Don Jose Maria GRAUCHES SASTRE is a FISCAL ASESSOR, LICENCED IN LAW and also an ACCOUNTANT who has been helping clients of Mallorca- Real-Estate for over two decades. He speaks good english and is always available for consulting and advice. I will be happy to make the introduction for you.
TAXES:
When buying a business it is very important to cover the TAX obligations and systems before taking over in order not to make any mistakes that might create misunderstandings or tax problems.
Basically there are two tax systems for businesses:
The MODULE system is where the tax office calculates a FIX TAX RATE - "Module" - to be paid every 3 months. This sum is calculated by computing the amount of employees, area of the premesis and terrace if any, the amount of electricity contracted, the number of tables and chairs in the case of bars and restaurants etc. This fixed amount is paid every 3 months if you make 1 million or 1 euro...no difference. The advantage here is that you do not need to do a VAT (IVA) declaration every three months, and you do not need to keep books on incomes and expenses. This module system is good for medium to large businesses...as it is simpler, easier and trouble free to use and apply. In many cases its TOO EXPENSIVE for small businesses as the payments might be too high for the business to make a good profit.An accountant is not needed also in these cases.
The NORMAL accounting system - so much expenses, so much income, the difference being your profit or loss, and then a percentage of that profit is paid to the tax office. You also have to do a VAT - IVA declaration every 3 months. For this you will need an accountant and it should be done properly, otherwise you could suffer a tax inspection at one moment or another.
COMPANIES:
You may opt to put your business in the name of a company for tax purposes...usually a private person owning a business is taxed higher than a company as a company has a fixed rate of tax and can deduct more expenses than a private owner of a business. The advantage of having it in a company could be not only tax advantages but also in the case of bankruptcy or going simply out of business, the COMPANY and not YOUR PERSONAL ASSETS are at risk of being confiscated, sold off at auctions or similar.
C.B or "Comunidad de Bienes": This is like a private partnership where two or more people form an agreement to work as partners in normally what is a small business. In this case, your private assets COULD BE USED to settle any debits or claims in case the CB business runs into problems. The accounting is simple and less expensive than normal companies.
S.L. or SOCIEDAD LIMITADA: This is a LIMITED COMPANY formation format where a medium to large sized company forms a limited charter falls under the normal laws of company taxes, claims, deductions and has certain tax advantages. It does need an accountant, you need to make a VAT - IVA declaration every 3 months and in case of claims, closing or going bankrupt, only the companies assets are at risk.
S.A. or SOCIEDAD ANONIMA - This is usually formed for LARGE companies with many SHAREHOLDERS, employees, high turnover and expensive or large assets etc. Here the taxes are fixed at 35% of the net profit. The accounting is more complex, but flexible, and just as the S.L., only the assets of the company are at risk in case of any problems.
The TAX STRUCTURE and CONDITIONS for an S.L. and an S.A. company CHANGE regularly, so it is important and absolutely necessary to consult with a good tax lawyer-fiscal advisor and accountant BEFORE making any decisions on wheather to do a C.B., S.L. or S. A.
We can DEFINITELY help you in these areas and guide you in the right direction by consulting with the correct people who are specialists in these areas of business.
If you have any definite questions, please use the convenient EMAIL form below. IT will be a pleasure to help you begin a new life OR a new start on the lovely island of Mallorca. Thank you!
Roberto Jaime Gourlay.
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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.
PURCHASE COSTS for MALLORCAN PROPERTIES.
INFORMATION REGARDING BANK FINANCING on MALLORCA.
INFORMATION: - NIE NUMBERS or BECOME a RESIDENT on Mallorca.
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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