Non EU resident persons can apply for a Spanish residency permit, including long term one, when they have a house in Spain, but apart from that they also need several other requisites, such as proof of financial means (800 € or more per month per person), a Visa for residency application issued by the Spanish Consulate in your country, and some other medical and official certificates of good standing concerning health and good behaviour in your original country
(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 price.
The developer has been selling around three properties per week since the start of the year and hopes the new mortgage offer will provide an extra boost to the market. The large discounts make the properties more affordable and so the bank can feel more confident about buyers’ ability to repay the loan, said Almanzora’s sales and marketing manager Simon Coaker.
“In some cases, the mortgage available is larger than the amount actually payable by the purchaser,” he said. “This is because, following last year’s price reductions, current prices of a number of properties are actually lower than the bank valuations.”
Bank incentives
Although the number of mortgages issued in Spain rose year-on-year for the first time in two years in November 2009, such high loan-to-value rates have become almost unheard of in Spain due to increased conservatism among lenders. However, banks are more likely to lend to customers buying repossessed properties or from developers backed by bank funding.
“There are some 85% loan-to-value loans available for bank-owned properties but generally there is still little movement in the market,” said Clare Nessling, operations director for international mortgage broker Conti.
Coaker told OPP that Almanzora was in partnership with the Bank of Andalusia to fund certain elements of its projects, but that the bank also wanted to take advantage of the sales opportunity.
“The banks have seen us doing well and are interested in dealing with our clients,” he said. “Some of our own mortgages are with the Bank of Andalusia but they have competed against other banks for our customers’ business.”
Addressing the long-term sustainability of such large price reductions, he said: “We wanted to create real interest in the property so have allied a mortgage product to selective discounts that will incentivise the market. But we think the 55% discounted stock will sell very quickly and we anticipate raising prices hopefully by mid-year.”
The Spanish Council of Ministers adopted a Royal Decree to complete the transposition of Community directives known as ‘VAT package’ referred to in the new system of ‘one-stop shop’ 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 and the Balearic Islands when they supported VAT charges in other EU countries.
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 Russia, and finally your wife is given a term of two months since the date of her Visa to request her residence permit in Spain. You and your wife will need to prove you have sufficient economic resources to live in Spain during your initial residence term, including a home and medical insurance. Your wife must bring a official certificate from her Country’s authorities showing she has no criminal records.
You should contact one of the following entities (depending on the city you are in Spain):
They will inform you about what you need (documents) for your particular situation. Finally, you should know that the Legal System in Spain considers that having a paid job and at the same time being a student is an exceptional situation. This means that one has to prove that the job is not necessary for one’s living and that it does not take time away from attending the classes and studying.
The Spanish ministry of industry, tourism and commerce is considering a reduction of around 13% of the rate paid for the request of registering a trademark, a measure that will bring an annual saving of 2.7 million Euros to the users of these services. The minister also indicated that during the last year in Spain there has been a reduction from eight months to five and a half months in the average period for the concession of a trademark. The government has approved a set of measures for companies to facilitate access for the protection of their trademarks, electronic requests, renewal of trademarks and the streamlining of the payment system.
The Spanish Association of Tax Advisers (ACEFIGET) points out that because of the technical complexity and ensuing costs of the modifications the new norm requires, small and medium-sized enterprises (PYMES) are unable to fulfil the new fiscal obligations.
The tax advisers state that the “important” changes that came into force on 1st January 2008 with the approval of the new General Plan of Accounting and the obligations that this imposes in relation to the filing of annual accounts implies mainly for PYMES a “difficult adaptation” to these changes.
They state that these new demands are creating “huge costs” that most of PYMES cannot afford given the present economic crisis.
These new obligations, the fiscal advisers say, are an addition to the “excessive bureaucratic load” that PYMES have been confronting during the last few years.
The association also indicates in its letter, signed by the secretary of ASEFIGET Ricardo Perpiñán, “that the official tax return of the Company’s Tax published by the Spanish tax authorities, although having adapted mostly to the changes, is difficult or impossible to comply with without a previous study of all of the pages that compose it and particularly of its annexes”.
The fiscal advisers assure that this “required study” is not feasible in the “short term”. 30th May 2009 is the date of publication of the official form and 27th of July 2009 is the date on which the voluntary period for its submission finalizes.
The association, which has already expressed this concern to the director of the Tributary Agency, Maria Dolores Bustamante, has asked economic minister Mrs. Salgado for an extension of the voluntary term for the submission of the Company’s Tax for the year 2008 as well as the submission of the different annexes to the 31st of October 2009.
Telefonica S.A. has been once more elected for a period ending on 31st of December 2010 as the mandatory lender of the Universal Telephonic Service, defined as the set of services with a determined quality at a reasonable price, whose benefit is guaranteed as a right for all the end users of residential homes no matter their geographic location. These services include a connection to the public network from a fixed location. Telefónica’s obligatory services referred to above, must therefore grant anyone the following:
a) The ability to receive and make telephone calls of national and international scope to geographic and non geographic numbers.
b) To establish fax communications, at least of fax group III in accordance with the pertinent recommendations of series T of the UIT-T.
c) To establish data communications at a speed sufficient enough to access the internet in a functional form.
According to the law, Telefónica will have to satisfy each reasonable request for an initial connection to the fixed public network in a maximum term of 60 days from the date of request. In the case of not being able to make the mentioned provision in this term, except for force majeure or other causes attributable to the applicant, Telefónica will have to compensate the applicant automatically and it will exempt payment from a number of monthly payments equivalent to the amount of months or fraction of which this term has been surpassed.
( From Ministry Order ITC/3808/2008, de 23 de December).
The Ministry of Industry, Tourism and Commerce of Spain emphasized that it will force the Energy Services Companies within the Social Dialogue, to reduce the consumption of energy in the country resulting in economic and environmental benefit. According to the Spanish government’s opinion, the Energy Service Companies will indeed be a source of employment in the sector of business most damaged by the present situation (the construction business, for which its legal security will be guaranteed, facilitating its financing and promoting its hiring on the part of the General Administration of the state. The Energy Service Companies will offer applicable plans of energy making savings easier for their clients. Later, they will receive part of the profits that the mentioned saving has generated. Basically, an Energy Service Company is dedicated to design, finance and to carry out measures of energy saving for its clients, homes, public companies and institutions. Among the possible saving measures in energy consumption are the substitution of diesel boilers for heating, the incorporation of systems of switching off lights by detection of human presence in offices or rooms, substitution of the traditional incandescent light bulbs by light bulbs of low consumption, improvement of insulation in houses and buildings to offset heat and the cold.
http://www.foro-industrial.com/2008/10/empresas-de-servicios-energeticos-en-espana/