I am in the process of purchasing an apartment in Duquesa - Page 2

Andrew14 wrote on Sat Apr 16, 2022 8:39am:

Hi Karen

Non Resident Tax, is based upon Catastral Value, this will be shown on your IBI Tax demand, issued in the summer, and due to pay around 11 September. NRT due November I think, certainly later than IBI

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Edit: you pay these in arrears, so buying in summer 2022, you won't be required to pay until 2023

I use a tax payment service, Spanish Tax Forms to pay NRT, they make it easy, & charge for their service. Hopefully with your profession, you won't need them, but its an option. IBI payment directly easy enough.

Starling Bank, not seen them recommended on here for use in Spain, Do ensure that they offer a Spanish IBAN, which you need to set up DD's for Utilities. 

N26 Bank has been recommended, but their website says not available to UK residents. There's another poster on here, which says he emailed N26 customer service, who say if you have a Spanish address you can set up an account with them (contrary to their website)

Hope this helps & good luck with your purchase

Morelo S wrote on Mon Apr 18, 2022 7:32am:

As Andrew states Starlings IBAN will be an issue, it is a GB one. Wise (formally Transferwise) is Belgian I think. I was told that having an ES IBAN was important for ease of setting up utility DD's. Whilst in theory SEPA rules forbid discrimination it does in fact happen so I am told. I have a S...

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...tarling account but did not even try to use the GB IBAN, I also have Revolut with the same issue. I use both UK based Euro accounts for different reasons, Revolut for the excellent conversion rates and hence processing the funds for purchase and with a Premium account no limits on amounts with almost instant transfer to Spain and Starling for unlimited Euro withdrawals at ATMs. I went with Sabadell in the end here for the ES IBAN and they have been a pain in many ways but at least all my DD's are processed and their app has an English option. I also use it for my Amazon.es orders which is another great service. Good luck we are in Estepona having spent many years visiting the area in our Motorhome, staying in La Bella Vista campsite, eating out in Duquesa.

Michael

Andrew14 wrote on Sat Apr 16, 2022 8:39am:

Hi Karen

Non Resident Tax, is based upon Catastral Value, this will be shown on your IBI Tax demand, issued in the summer, and due to pay around 11 September. NRT due November I think, certainly later than IBI

Read more...

Edit: you pay these in arrears, so buying in summer 2022, you won't be required to pay until 2023

I use a tax payment service, Spanish Tax Forms to pay NRT, they make it easy, & charge for their service. Hopefully with your profession, you won't need them, but its an option. IBI payment directly easy enough.

Starling Bank, not seen them recommended on here for use in Spain, Do ensure that they offer a Spanish IBAN, which you need to set up DD's for Utilities. 

N26 Bank has been recommended, but their website says not available to UK residents. There's another poster on here, which says he emailed N26 customer service, who say if you have a Spanish address you can set up an account with them (contrary to their website)

Hope this helps & good luck with your purchase

Trevor47 wrote on Fri Apr 15, 2022 11:31am:

Hi Karen,

As I mentioned the Spanish tax is not difficult it is just making sure you do the right things. Our people charged us a flat fee of €95 a year and I just gave them rental incomes and costs.

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Yes, community charges are based on space including if you have a store room like we do. You should have a Community President (a property owner) and more often than not an outside company that is administrator and manages the community on a day to day basis. You normally pay this monthly from your bank account and it is revised and voted on by the community at each AGM.  Our is in July when there are more residents around. It was missed back in 2020 but we had one last year.

I cannot say what you should be paying as it varies according to services supplied. Ours is €89 a month, but I know others can be €150 or more.

Hope that helps

Trevor