Yes you can. In fact, banks are forced by law to provide to their clients such binding offer, listing clearly and unequivocally what are the basic terms of the Loan & mortgage with time enough in advance of the meeting at the Notary. for the “Escritura” to be signed These basic conditions and terms include: Interest rate, commissions, charges, penalties, early redemption fee, cancellation fee, insurance requests, etc
Yes there is. According to the Spanish law there is a term of 15 years to claim responsibility due to significant negligence or other malpractice when they are originated from contractual professional services.
You can have it permanently. However, legally speaking, you can only drive it for six months in a calendar year. This means the six months need not be continuous and also means every 1st of January the term starts automatically from zero.
Now, let us come to real life. Given the fact that EU citizens no longer have to have their car formally sealed, there is no effective method for the authorities to prove whether or not you are driving the car and for how long.
Yes in general terms, and to an extent you probably do not even expect.
The law requires that all businesses keep this official complaint sheet and they are forced to bring it when a customer asks for it. One of the copies you sign is to be presented at the local Consumer’s Municipal Information Office (Oficina Municipal de Información al Consumidor (OMIC)), and the establishment can be fined if it fails to accomplish this.
The establishment must reply to a client’s complaint within a term of 10 days and if it does not, the client can have his case seen at the OMIC while the establishment can face fines up to €6,000.
Even though TRUSTS are not a valid legal instrument in the Spanish Law system, its implementation by Spanish natural persons, legal entities, or Spanish residents, is perfectly legitimate. This affirmation, though, due to reasons derived from internal Law as well as from the Spanish International Private Law, shall be circumscribed to the implementation of TRUSTS over assets located outside Spain in a jurisdiction which recognises this legal construction.
The legitimacy of its use is similar to that pertaining to other legal instruments available in international legal-economy field. As long as the location of assets or investments abroad is sheltered by the regulations about free flow of goods and capitals, there can be no rule restricting the different legal vehicles Spanish residents can use in foreign countries.
A completely different thing, as in case of any other juridical structure, would be the implementation of TRUSTS to produce a result against the Law (from the Spanish Law point of view). From the Private Law perspective, its use in creditor’s fraud or in damaging the rights of third parties would immediately imply the use of measures to prevent these rights from being harmed.
The basic principle underlying the “inter vivos” juridical actuations is the feasibility of their singular assessment, and also the freedom to choose the applicable law, which would lead to a respectful observation of the chosen rules in the constitutional instrument of the TRUST. In what refers to its Real effects, the transmission effects and property of the trustee over goods located in a jurisdiction admitting the TRUST shall be recognised.
Yes, on certain circumstances, such as the devious avoidance of funds after the sale, the operation you refer to could be a criminal offence according to the Spanish Penal Code when it could be demonstrated that you, as the debtor, knew, even in an extrajudicial form, about the possibility that the bank went to the legal jurisdiction to demand your debt.
All waters (surface waters as well as the subterranean ones) are forming part of the so called Spanish State’s Public hydraulic domain, and are subject to general Public interests.
Even though the waters cannot be privately owned in Spain, their common use, as well as their private use is admitted.
a) In what refers to common uses, the Spanish Law states that anyone can use the surface waters while they flow within their natural beds for drinking, swimming and other domestic uses, as well as for watering halt for livestock.
b) Regarding the private uses, these can be acquired in Spain by statutory provision or by Administrative License, but never by prescription due to any lapse of time of undisputed enjoyment. The owner of a land can use the rain waters flowing along the plot and the ones in ponds within the plot’s boundaries, as well as the waters from springs existing inside the plots and the subterranean ones. In the last two cases the used volume cannot surpass 7,000m3 per year.