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	<title>Emilio Pino Lawyers &#187; Faqs</title>
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	<link>http://www.emiliopino.com</link>
	<description>Malaga and Marbella Lawyers</description>
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		<title>Can my bank seize and auction in Spain other assets in my name beyond the mortgaged property  in case I stop paying?</title>
		<link>http://www.emiliopino.com/faqs/espanol-%c2%bfpuede-mi-banco-embargar-y-subastar-otros-bienes-a-mi-nombre-ademas-del-piso-hipotecado-en-caso-de-impago/</link>
		<comments>http://www.emiliopino.com/faqs/espanol-%c2%bfpuede-mi-banco-embargar-y-subastar-otros-bienes-a-mi-nombre-ademas-del-piso-hipotecado-en-caso-de-impago/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 19:21:39 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[General Spanish legal matters]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[contract]]></category>
		<category><![CDATA[houses]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[real estates]]></category>
		<category><![CDATA[repossession]]></category>
		<category><![CDATA[seizure]]></category>
		<category><![CDATA[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1316</guid>
		<description><![CDATA[Yes, the bank can do that. Generally speaking, mortgage-loan contracts for individuals signed with bank entities include the faculty for the bank being able to choose any of the debtor’s assets, present or future, at the time they recover the debt. Therefore, the bank can proceed against the mortgaged property and also against other assets [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/espanol-%c2%bfpuede-mi-banco-embargar-y-subastar-otros-bienes-a-mi-nombre-ademas-del-piso-hipotecado-en-caso-de-impago/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Who pays the litigation’s legal costs in Spain after the new Legal Reform concerning judicial procedure?</title>
		<link>http://www.emiliopino.com/faqs/who-pays-the-litigation%e2%80%99s-legal-costs-in-spain-after-the-new-legal-reform-concerning-judicial-legal-procedure/</link>
		<comments>http://www.emiliopino.com/faqs/who-pays-the-litigation%e2%80%99s-legal-costs-in-spain-after-the-new-legal-reform-concerning-judicial-legal-procedure/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 12:42:10 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[General Spanish legal matters]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1292</guid>
		<description><![CDATA[On judicial cases dealt on first or unique court’s Instance, the court, when dictating a sentence or when solving the recourses or incidents therein promoted, will impose the legal costs to the party that has seen all its pretensions rejected, unless the court considers and thus gives reasons for it, that the case displayed serious [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/who-pays-the-litigation%e2%80%99s-legal-costs-in-spain-after-the-new-legal-reform-concerning-judicial-legal-procedure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I claim my insurance company as I have a typical insurance policy covering just aggravated theft to cover me for theft of home assets if the thieves cleanly entered my house by means of just using an electronic frequency opening code they somehow got without my knowledge?</title>
		<link>http://www.emiliopino.com/faqs/can-i-claim-my-insurance-company-as-i-have-a-typical-insurance-policy-covering-just-aggravated-theft-to-cover-me-for-theft-of-home-assets-if-the-thieves-cleanly-entered-my-house-by-means-of-just-using/</link>
		<comments>http://www.emiliopino.com/faqs/can-i-claim-my-insurance-company-as-i-have-a-typical-insurance-policy-covering-just-aggravated-theft-to-cover-me-for-theft-of-home-assets-if-the-thieves-cleanly-entered-my-house-by-means-of-just-using/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 11:52:49 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[General Spanish legal matters]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[law]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1238</guid>
		<description><![CDATA[Yes you can. According to recent succesive reforms in the Spanish Penal law a thief’s use of legitimate keys lost by the proprietor or obtained by means that constitute penal infraction as well as the use of false keys, constitutes an aggravated theft (robo) and not a light one (hurto). Recent reforms have now included [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/can-i-claim-my-insurance-company-as-i-have-a-typical-insurance-policy-covering-just-aggravated-theft-to-cover-me-for-theft-of-home-assets-if-the-thieves-cleanly-entered-my-house-by-means-of-just-using/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>what would happen to the boys when I die? Would they, for instance, be prepared to face the unclear formalities and consequences when they inherit the house</title>
		<link>http://www.emiliopino.com/news/what-would-happen-to-the-boys-when-i-die-would-they-for-instance-be-prepared-to-face-the-unclear-formalities-and-consequences-when-they-inherit-the-house/</link>
		<comments>http://www.emiliopino.com/news/what-would-happen-to-the-boys-when-i-die-would-they-for-instance-be-prepared-to-face-the-unclear-formalities-and-consequences-when-they-inherit-the-house/#comments</comments>
		<pubDate>Sun, 23 Oct 2011 09:51:43 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Family law]]></category>
		<category><![CDATA[Faqs]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Probate Law]]></category>
		<category><![CDATA[golf]]></category>
		<category><![CDATA[inheritance]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[marbella]]></category>
		<category><![CDATA[non-resident]]></category>
		<category><![CDATA[probate]]></category>
		<category><![CDATA[tax]]></category>
		<category><![CDATA[trusts]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1220</guid>
		<description><![CDATA[You are on the top of the hill…still enjoying your recent slice shot on 18th hole. You are sure it was your cutest banana ball and you told others it was intentional when the ball landed on the green. And now you see a rewarding view of Mediterranean landscape only to be seen in a Marbella’s October [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/news/what-would-happen-to-the-boys-when-i-die-would-they-for-instance-be-prepared-to-face-the-unclear-formalities-and-consequences-when-they-inherit-the-house/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I have heard that it is now cheaper to form a Spanish company, is that true?</title>
		<link>http://www.emiliopino.com/faqs/i-have-heard-that-it-is-now-cheaper-to-form-a-spanish-company-is-that-true/</link>
		<comments>http://www.emiliopino.com/faqs/i-have-heard-that-it-is-now-cheaper-to-form-a-spanish-company-is-that-true/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 10:30:40 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[companies]]></category>
		<category><![CDATA[limited company]]></category>
		<category><![CDATA[shareholder]]></category>
		<category><![CDATA[spanish]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1193</guid>
		<description><![CDATA[From December 3rd, 2010 as a general rule for any kind of companies the following operations shall be exempt of tax (such tax was formerly a 1% of the operation’s value): 1)      Formation of companies 2)      Increase of company’s capital 3)      Contribution from shareholders not resulting in increase of company’s capital 4)      Transfer to Spanish [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Could I include testamentary partitions and clauses on my Spanish Will permitted by my national Law even if they are not permitted by the Spanish Law?</title>
		<link>http://www.emiliopino.com/faqs/could-i-include-testamentary-partitions-and-clauses-on-my-spanish-will-permitted-by-my-national-law-even-if-they-are-not-permitted-by-the-spanish-law/</link>
		<comments>http://www.emiliopino.com/faqs/could-i-include-testamentary-partitions-and-clauses-on-my-spanish-will-permitted-by-my-national-law-even-if-they-are-not-permitted-by-the-spanish-law/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 10:18:00 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Probate Law]]></category>
		<category><![CDATA[inheritance]]></category>
		<category><![CDATA[law]]></category>
		<category><![CDATA[legitime]]></category>
		<category><![CDATA[nationality]]></category>
		<category><![CDATA[probate]]></category>
		<category><![CDATA[spain]]></category>
		<category><![CDATA[spanish]]></category>
		<category><![CDATA[testamentary]]></category>
		<category><![CDATA[testator]]></category>
		<category><![CDATA[Will]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1189</guid>
		<description><![CDATA[Yes, you can, since the rule in Spain is that the law applicable is the one corresponding to your nationality at the time of the decease whatever the nature or location of the assets is. Furthermore, if the Will included terms and clauses in accordance to the national law of the testator at the time [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/could-i-include-testamentary-partitions-and-clauses-on-my-spanish-will-permitted-by-my-national-law-even-if-they-are-not-permitted-by-the-spanish-law/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>My boyfriend and I are a non-married cohabitating couple living in a rented house for more than two years and the renting contract is just in his name. Can the landlord legally dispossess me out of the house when my boyfriend dies?</title>
		<link>http://www.emiliopino.com/faqs/my-boyfriend-and-i-are-a-non-married-cohabitating-couple-living-in-a-rented-house-for-more-than-two-years-and-the-renting-contract-is-just-in-his-name-can-the-landlord-legally-dispossess-me-out-of-th/</link>
		<comments>http://www.emiliopino.com/faqs/my-boyfriend-and-i-are-a-non-married-cohabitating-couple-living-in-a-rented-house-for-more-than-two-years-and-the-renting-contract-is-just-in-his-name-can-the-landlord-legally-dispossess-me-out-of-th/#comments</comments>
		<pubDate>Wed, 16 Feb 2011 13:15:23 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Letting & Renting]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[lease]]></category>
		<category><![CDATA[rental]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1079</guid>
		<description><![CDATA[No he cannot.  It is important that at the time it happens you notify the landlord about the decease of your boyfriend and about your wish to subrogate in the renting contract in a maximum term of three months after your boyfriend’s death. In such notification you should include a documental proof about your previous [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/my-boyfriend-and-i-are-a-non-married-cohabitating-couple-living-in-a-rented-house-for-more-than-two-years-and-the-renting-contract-is-just-in-his-name-can-the-landlord-legally-dispossess-me-out-of-th/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are private vendors and private landlords exempt from the Decreto 218/2005 law concerning information to be provided to comsumers in the sale and rental of homes in Andalucía?</title>
		<link>http://www.emiliopino.com/faqs/are-private-vendors-and-private-landlords-exempt-from-the-decreto-2182005-law/</link>
		<comments>http://www.emiliopino.com/faqs/are-private-vendors-and-private-landlords-exempt-from-the-decreto-2182005-law/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 10:40:42 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Letting & Renting]]></category>
		<category><![CDATA[Real Estate Investment]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1004</guid>
		<description><![CDATA[No, they are not. Even if the principal rules and regulations of  Decreto 218 mainly apply to real estate professionals, there are still some obligations for the private owners and landlords. Due to its capital public interest we include here an English translation of the Decreto 218/2005]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/are-private-vendors-and-private-landlords-exempt-from-the-decreto-2182005-law/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What happens if the owner’s community of my urbanisation in Spain is not properly registered? Do the rules I never agreed affect me?</title>
		<link>http://www.emiliopino.com/faqs/what-happens-if-the-owner%e2%80%99s-community-of-my-urbanisation-in-spain-is-not-properly-registered-do-the-rules-i-never-agreed-affect-me/</link>
		<comments>http://www.emiliopino.com/faqs/what-happens-if-the-owner%e2%80%99s-community-of-my-urbanisation-in-spain-is-not-properly-registered-do-the-rules-i-never-agreed-affect-me/#comments</comments>
		<pubDate>Mon, 07 Jun 2010 16:43:38 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Condominium]]></category>
		<category><![CDATA[Faqs]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=948</guid>
		<description><![CDATA[No, they do not in general terms. Unless the owner’s communities are registered and the owners agree to accept the statutes, their rules may not be legally obligatory. However, specifically in what refers to the fees for maintenance of common areas &#38; services, the Spanish courts have repeatedly ruled in favour of the right to [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/what-happens-if-the-owner%e2%80%99s-community-of-my-urbanisation-in-spain-is-not-properly-registered-do-the-rules-i-never-agreed-affect-me/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>All I have in Spain is a holiday house for me (un-rented), why should I pay “income” tax every year in that Country?</title>
		<link>http://www.emiliopino.com/faqs/all-i-have-in-spain-is-a-holiday-house-for-me-un-rented-why-should-i-pay-%e2%80%9cincome%e2%80%9d-tax-every-year-in-that-country/</link>
		<comments>http://www.emiliopino.com/faqs/all-i-have-in-spain-is-a-holiday-house-for-me-un-rented-why-should-i-pay-%e2%80%9cincome%e2%80%9d-tax-every-year-in-that-country/#comments</comments>
		<pubDate>Mon, 31 May 2010 16:14:57 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[houses]]></category>
		<category><![CDATA[law]]></category>
		<category><![CDATA[non-resident]]></category>
		<category><![CDATA[spain]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=942</guid>
		<description><![CDATA[You have to pay it because, legally speaking, in Spain there is a property-owners’ imputed income tax charged on secondary homes. And yours is clearly the case since your principal dwelling is abroad. The same applies to residents in Spain who own more than one dwelling.]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/all-i-have-in-spain-is-a-holiday-house-for-me-un-rented-why-should-i-pay-%e2%80%9cincome%e2%80%9d-tax-every-year-in-that-country/feed/</wfw:commentRss>
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