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	<title>Emilio Pino Lawyers</title>
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	<link>http://www.emiliopino.com</link>
	<description>Malaga Lawyer</description>
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		<title>New EU-adapted legislation for bank business practices in Spain</title>
		<link>http://www.emiliopino.com/news/new-eu-adapted-legislation-for-bank-business-practices-in-spain/</link>
		<comments>http://www.emiliopino.com/news/new-eu-adapted-legislation-for-bank-business-practices-in-spain/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 18:27:17 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[europe]]></category>
		<category><![CDATA[law]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[services]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=505</guid>
		<description><![CDATA[
The Act of Payment Services is the transposition of the European Directive 2007/64/EC.

This new legislation came into force on 3 December 2009 and applies to 30 countries of the European economic area: 27 that make up the European Union plus Norway, Iceland and Liechtenstein. It directly affects our operational with the banks. By way of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>I have sold my property in Spain and the bank still claims unpaid mortgage instalments from me. Could this be legal?</title>
		<link>http://www.emiliopino.com/faqs/i-have-sold-my-property-in-spain-and-the-bank-still-claims-unpaid-mortgage-quotas-from-me-could-this-be-legal/</link>
		<comments>http://www.emiliopino.com/faqs/i-have-sold-my-property-in-spain-and-the-bank-still-claims-unpaid-mortgage-quotas-from-me-could-this-be-legal/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 16:28:09 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Real Estate Investment]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=500</guid>
		<description><![CDATA[Yes it could. It is quite normal that the bank made you sign a document saying that the repayment of the loan originally given to you was protected with the mortgage on the property but also with your personal guaranty, meaning you could be forced to pay the due instalments if the bank chooses to [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/i-have-sold-my-property-in-spain-and-the-bank-still-claims-unpaid-mortgage-quotas-from-me-could-this-be-legal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>NEW 100% MORTGAGES TO BOOST SPANISH MARKET</title>
		<link>http://www.emiliopino.com/news/new-100-mortgages-to-boost-spanish-market/</link>
		<comments>http://www.emiliopino.com/news/new-100-mortgages-to-boost-spanish-market/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 18:22:34 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[houses]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[non-resident]]></category>
		<category><![CDATA[spain]]></category>
		<category><![CDATA[spanish]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=494</guid>
		<description><![CDATA[
(From OPP News)
Buyers in Spain could be able to secure 100% mortgages for the first time during the downturn thanks to a new developer-bank partnership.



Customers buying from UK-based developer Almanzora Group will be able to apply for 100% loan-to-value finance through the Bank of Andalusia on properties with discounts of up to 55% off peak [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/news/new-100-mortgages-to-boost-spanish-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>One-stop shop for Value Added Tax (VAT) in Spain.</title>
		<link>http://www.emiliopino.com/news/one-stop-shop-for-value-added-tax-vat-in-spain/</link>
		<comments>http://www.emiliopino.com/news/one-stop-shop-for-value-added-tax-vat-in-spain/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 16:59:42 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[europe]]></category>
		<category><![CDATA[european]]></category>
		<category><![CDATA[spain]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=483</guid>
		<description><![CDATA[The Spanish Council of Ministers adopted a Royal Decree to complete the transposition of Community directives known as &#8216;VAT package&#8217; referred to in the new system of &#8216;one-stop shop&#8217; to enable the return of VAT quotas to European businessmen, announced the Executive in a note. The new system applies to employers established in the peninsula [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/news/one-stop-shop-for-value-added-tax-vat-in-spain/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I am a Russian long term resident in Spain; can my Russian wife get her residence permit automatically?</title>
		<link>http://www.emiliopino.com/faqs/i-am-a-russian-long-term-resident-in-spain-can-my-russian-wife-get-her-residence-permit-automatically/</link>
		<comments>http://www.emiliopino.com/faqs/i-am-a-russian-long-term-resident-in-spain-can-my-russian-wife-get-her-residence-permit-automatically/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 16:37:01 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Spanish Residence Permit]]></category>
		<category><![CDATA[non-resident]]></category>
		<category><![CDATA[residence permit]]></category>
		<category><![CDATA[spain]]></category>
		<category><![CDATA[spanish]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=477</guid>
		<description><![CDATA[It is not that automatic.  First of all you must apply for her legal reunion with you in Spain at the Spanish authorities of your place of residence, then after you get an official permission for her, your wife must request a Visa at the Spanish consulate or embassy of her place of residence in [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/i-am-a-russian-long-term-resident-in-spain-can-my-russian-wife-get-her-residence-permit-automatically/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is an Escritura?</title>
		<link>http://www.emiliopino.com/faqs/what-is-an-escritura/</link>
		<comments>http://www.emiliopino.com/faqs/what-is-an-escritura/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 16:15:53 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[Land Registry]]></category>
		<category><![CDATA[real estates]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=411</guid>
		<description><![CDATA[In Spain “Escritura” or “Escritura Pública” means Deed or legal written document signed, sealed, witnessed and recorded by a notary public. A Deed related to any form of real estate transaction is normally submitted to the Land Registry for its registration.
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I am over 65 years old; do I pay capital gains tax in Spain if I sell my Spanish property?</title>
		<link>http://www.emiliopino.com/faqs/i-am-over-65-years-old-do-i-pay-capital-gains-tax-in-spain-if-i-sell-my-spanish-property/</link>
		<comments>http://www.emiliopino.com/faqs/i-am-over-65-years-old-do-i-pay-capital-gains-tax-in-spain-if-i-sell-my-spanish-property/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 18:11:13 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[capital gains tax]]></category>
		<category><![CDATA[residence permit]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=461</guid>
		<description><![CDATA[You do not pay as long as you hold a Spanish residence permit or an EU Certificate of Registration for the last 3 years or more and have lived in your property as your home during such term at least. If this is not the case, we are afraid you have to pay capital gains [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/i-am-over-65-years-old-do-i-pay-capital-gains-tax-in-spain-if-i-sell-my-spanish-property/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Spanish Supreme Court has ordered the annulment of several clauses subscribed with customers by Banco Santander, BBVA, Bankinter and Caja Madrid that were included in contracts for loans, mortgages and credit cards, as these have been considered as &#8220;abusive&#8221;, &#8220;disproportionate&#8221; or &#8220;confusing&#8221;.</title>
		<link>http://www.emiliopino.com/news/the-spanish-supreme-court-has-ordered-the-annulment-of-several-clauses-subscribed-with-customers-by-banco-santander-bbva-bankinter-and-caja-madrid-that-were-included-in-contracts-for-loans-mortgage/</link>
		<comments>http://www.emiliopino.com/news/the-spanish-supreme-court-has-ordered-the-annulment-of-several-clauses-subscribed-with-customers-by-banco-santander-bbva-bankinter-and-caja-madrid-that-were-included-in-contracts-for-loans-mortgage/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 19:08:28 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[court]]></category>
		<category><![CDATA[jurisprudence]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[supreme court]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=451</guid>
		<description><![CDATA[In a verdict released several days ago, the Chamber of civil matters of the High Court partially admits the appeal filed by the Spanish Organization of consumers and users (OCU) against the decision of the provincial court of Madrid who had declared as valid several reported clauses in the year 2005.


Amongst the clauses now voided [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/news/the-spanish-supreme-court-has-ordered-the-annulment-of-several-clauses-subscribed-with-customers-by-banco-santander-bbva-bankinter-and-caja-madrid-that-were-included-in-contracts-for-loans-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>As a non-resident tourist, how many “permanencias” (90-day extension permit to stay in Spain) can I get?</title>
		<link>http://www.emiliopino.com/faqs/as-a-non-resident-tourist-how-many-%e2%80%9cpermanencias%e2%80%9d-90-day-extension-permit-to-stay-in-spain-can-i-get/</link>
		<comments>http://www.emiliopino.com/faqs/as-a-non-resident-tourist-how-many-%e2%80%9cpermanencias%e2%80%9d-90-day-extension-permit-to-stay-in-spain-can-i-get/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 17:20:47 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Spanish Residence Permit]]></category>
		<category><![CDATA[non-resident]]></category>
		<category><![CDATA[residence permit]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=449</guid>
		<description><![CDATA[You can legally have just one permanencia in a calendar year. This means that even with the additional 90 days you have a total of six months. For any stay longer than that you need to apply for a residence permit.
]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/as-a-non-resident-tourist-how-many-%e2%80%9cpermanencias%e2%80%9d-90-day-extension-permit-to-stay-in-spain-can-i-get/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>As an owner of a property in Spain for more than 20 years, will I be exempt from any capital gains tax?</title>
		<link>http://www.emiliopino.com/faqs/as-an-owner-of-a-property-in-spain-for-more-than-20-years-will-i-be-exempt-from-any-capital-gains-tax/</link>
		<comments>http://www.emiliopino.com/faqs/as-an-owner-of-a-property-in-spain-for-more-than-20-years-will-i-be-exempt-from-any-capital-gains-tax/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 17:00:50 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[capital gains tax]]></category>
		<category><![CDATA[real estates]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=430</guid>
		<description><![CDATA[No, you will not, I am afraid. From January 20, 2006 there is no exemption from capital gains tax for property sellers. Those long-term proprietors who bought before 1986 had privileges of reduction which reduced their tax to zero after 10 years. At the present, however, they must pay capital gains tax on the part [...]]]></description>
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