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	<title>Emilio Pino Lawyers &#187; spain</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>In spite of the economic recession in Spain, online commerce, far from diminishing its benefits, has increased these.</title>
		<link>http://www.emiliopino.com/news/in-spite-of-the-economic-recession-in-spain-online-commerce-far-from-diminishing-its-benefits-has-increased-these/</link>
		<comments>http://www.emiliopino.com/news/in-spite-of-the-economic-recession-in-spain-online-commerce-far-from-diminishing-its-benefits-has-increased-these/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 11:30:44 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[commerce]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1284</guid>
		<description><![CDATA[In first trimester of 2011 the online commerce in Spain , reached a turnover   23.1% superior to the one of 2010. Concretely, its national volume of businesses ascended to 2,055. 4 million Euros and a total of 30.2 million transactions were recorded, constituting an interannual growth (as far as number of transactions) of 28.2%, according to [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/news/in-spite-of-the-economic-recession-in-spain-online-commerce-far-from-diminishing-its-benefits-has-increased-these/feed/</wfw:commentRss>
		<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>
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		<title>On July 01-2011 the Spanish Cabinet enacted an executive Decree containing several measures aimed to protect individual home owners against wild bank repossessions</title>
		<link>http://www.emiliopino.com/news/on-july-01-2011-the-spanish-cabinet-enacted-an-executive-decree-containing-several-measures-aimed-to-protect-individual-home-owners-against-wild-bank-repossessions/</link>
		<comments>http://www.emiliopino.com/news/on-july-01-2011-the-spanish-cabinet-enacted-an-executive-decree-containing-several-measures-aimed-to-protect-individual-home-owners-against-wild-bank-repossessions/#comments</comments>
		<pubDate>Thu, 07 Jul 2011 12:37:47 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[repossession]]></category>
		<category><![CDATA[seizure]]></category>
		<category><![CDATA[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1133</guid>
		<description><![CDATA[On July 01-2011 the Spanish Cabinet enacted an executive Decree containing several measures aimed to protect individual home owners against wild bank repossessions. The most important measures are: - Firstly, in order to lessen the harmful impact of the economy crisis on the citizens who are most defenceless, and more specifically those ones having family [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/news/on-july-01-2011-the-spanish-cabinet-enacted-an-executive-decree-containing-several-measures-aimed-to-protect-individual-home-owners-against-wild-bank-repossessions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Law in Spain allows employers to regularize irregular workers without penalties.</title>
		<link>http://www.emiliopino.com/news/new-law-in-spain-allows-employers-to-regularize-irregular-workers-without-penalties/</link>
		<comments>http://www.emiliopino.com/news/new-law-in-spain-allows-employers-to-regularize-irregular-workers-without-penalties/#comments</comments>
		<pubDate>Fri, 13 May 2011 14:45:14 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[labour]]></category>
		<category><![CDATA[law]]></category>
		<category><![CDATA[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1094</guid>
		<description><![CDATA[A new Royal Decree approved by the Spanish Government on April 31st establishes a time-limited amnesty for the employers who decide to regularize the legal situation of workers irregularly employed by these. During such term these situations will not be subject to penalties concerning the non fulfillment of obligations related to declaration and acknowledgement of [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/news/new-law-in-spain-allows-employers-to-regularize-irregular-workers-without-penalties/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>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I force my Spanish bank to give me a complete and clear list of the terms and conditions to be applied to my mortgage rather than the longish and fuzzy “Escritura”?</title>
		<link>http://www.emiliopino.com/faqs/can-i-force-my-spanish-bank-to-give-me-a-complete-and-clear-list-of-the-terms-and-conditions-to-be-applied-to-my-mortgage-rather-than-the-longish-and-fuzzy-%e2%80%9cescritura%e2%80%9d/</link>
		<comments>http://www.emiliopino.com/faqs/can-i-force-my-spanish-bank-to-give-me-a-complete-and-clear-list-of-the-terms-and-conditions-to-be-applied-to-my-mortgage-rather-than-the-longish-and-fuzzy-%e2%80%9cescritura%e2%80%9d/#comments</comments>
		<pubDate>Wed, 26 May 2010 16:17:59 +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[mortgage]]></category>
		<category><![CDATA[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=940</guid>
		<description><![CDATA[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 &#38; mortgage with time enough in advance of the meeting at the Notary. for the &#8220;Escritura&#8221; to be signed  These basic conditions and terms include: [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/can-i-force-my-spanish-bank-to-give-me-a-complete-and-clear-list-of-the-terms-and-conditions-to-be-applied-to-my-mortgage-rather-than-the-longish-and-fuzzy-%e2%80%9cescritura%e2%80%9d/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Even if I have a Spanish property, why should I need a Spanish Will in addition to my U.K. one already dealing with that property?</title>
		<link>http://www.emiliopino.com/faqs/836/</link>
		<comments>http://www.emiliopino.com/faqs/836/#comments</comments>
		<pubDate>Mon, 10 May 2010 15:47:52 +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[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=836</guid>
		<description><![CDATA[There is no legal reason for you to have a second will made in Spain. Anyhow, it is highly advisable to have a will in Spain concerning your assets in Spain as this shall avoid your inheritors time-consuming and expensive legal procedures. In addition to that, a will made in Spain does not oblige you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I legally complete a real estate property purchase just through a properly made contract with the seller instead of through a Notary in Spain?</title>
		<link>http://www.emiliopino.com/faqs/can-i-legally-complete-a-real-estate-property-purchase-just-through-a-properly-made-contract-with-the-seller-instead-of-through-a-notary-in-spain/</link>
		<comments>http://www.emiliopino.com/faqs/can-i-legally-complete-a-real-estate-property-purchase-just-through-a-properly-made-contract-with-the-seller-instead-of-through-a-notary-in-spain/#comments</comments>
		<pubDate>Thu, 06 May 2010 15:53:18 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Contracts]]></category>
		<category><![CDATA[Faqs]]></category>
		<category><![CDATA[real estates]]></category>
		<category><![CDATA[spain]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=828</guid>
		<description><![CDATA[Yes, you can. Private contracts, as opposed to public contracts (the ones signed in front of Notaries) also have validity and completion force in what refers to any permissible condition they include and are perfectly binding for you and your seller. However, according to the Spanish legal system these contracts have no legal effects for/against [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/can-i-legally-complete-a-real-estate-property-purchase-just-through-a-properly-made-contract-with-the-seller-instead-of-through-a-notary-in-spain/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Spain stands amongst the countries that are making less use of part-time job contracts</title>
		<link>http://www.emiliopino.com/news/spain-stands-amongst-the-countries-that-less-make-use-of-part-time-contract/</link>
		<comments>http://www.emiliopino.com/news/spain-stands-amongst-the-countries-that-less-make-use-of-part-time-contract/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 16:23:33 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[contract]]></category>
		<category><![CDATA[labour]]></category>
		<category><![CDATA[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=794</guid>
		<description><![CDATA[Part-time employment in Spain rose 1.2 points in September 2009 compared to the same period the year before, while in the EU, the increase stood at 8.0.  The greatest increase took place in Ireland with a raise of 3.3 points upward which made this Country reach 21.2% of the employed population.  Spain, according to the [...]]]></description>
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		<slash:comments>0</slash:comments>
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