Abogado |
Lawyer/solicitor (see also Solicitor fees in Spain) |
Administrador de fincas |
Spanish licensed property administrator or Community Administrator |
Agente de la Propiedad |
Property Agent or Estate Agent |
Amortización |
Repayment of loan/mortgage, depreciation |
Arbitraje |
Arbitration |
Arras |
Down Payment, deposit |
Arrendador |
Landlord |
Arrendatario |
Tenant |
Aval |
Loan guarantee or Bank guarantee |
Avalista |
Guarantor (of a loan) |
Bungalow |
2 or 3 storey terraced house |
Caja de ahorros |
Spanish savings banks |
Cargas |
Charges, burden, arrears |
Catastro |
Spanish Land Register |
Cláusula |
Clause or conditions in a contract |
Cláusula abusiva |
Unfair/ abusive clause in a contract usually to the detriment of the consumer |
Cédula de habitabilidad |
Certificate of occupancy |
Certificado registral |
Certificate informing about debts of a specific property |
Chalet |
Villa |
Compra sobre plano |
Off-plan property purchase |
Comunidad de propietarios |
Association/Community of property owners |
Contrato de arrendamiento |
Letting/renting contract |
Contrato de compraventa de vivienda |
Private property sales contract |
Cooperativa de viviendas |
Housing co-operative |
Cuenta de ahorro vivienda |
Housing savings account with special tax benefits |
Derecho de tanteo |
Right of first refusal |
Derecho de retracto |
Right of repurchase |
Desahucio |
Eviction |
División horizontal |
Official document to describe division pf property between different owners |
Documento privado |
Private document |
Documento público |
Public document |
Escritura |
Deeds |
Escritura pública de compraventa |
Title deeds |
Euribor Official |
Euro Interbank offered interest rate |
Fianza |
Deposit |
Finca |
Estate |
Folleto informativo |
Information leaflet/brochure |
Gestoría |
Firm specialised in obtaining official authorisations, permits, licences etc |
Gestoras de cooperatives |
Firm specialised in obtaining official paperwork in relation to housing co-operatives |
Hipoteca |
Mortgage in Spain |
Hipotecar |
to mortgage |
Hipoteca de inversión |
Endowment mortgage |
Hipotecable |
Mortgageable |
IBI Impuesto sobre Bienes Inmuebles |
Spanish yearly property tax or Council Tax |
Impuesto sobre actos jurídicos documentados |
Legal documentation tax |
Impuesto sobre el Incremento del Valor de Terrenos |
Tax on the increase of land value |
Impuesto sobre el patrimonio |
Capital gains tax Spain |
Inmobiliaira |
Estate agent |
IVA Vivienda |
Property VAT |
Libre de cargas |
Free of debts |
Libro del edificio |
Documents handed over by the promoter when a building is finished |
Licencia de obra |
Building permission |
N.I.E. |
NIE |
Notario |
Notary |
Nota simple registral |
Certificate from a property register |
Novación |
Renegotiation of mortgage terms |
Obra Nueva |
Document certifying a brand new building |
Oferta vinculante |
Bank document certifying the exact mortgage conditions |
Pago en efectivo |
Cash payment |
Parcela |
Plot of land |
Piso |
Flat |
Poder |
Power of attorney |
Préstamo con techo |
Loan with variable interest rates with a fixed minimum and maximum |
Préstamo cualificado VPO |
Special loan given only for the purchase of low-cost housing |
Préstamo hipotecario |
Mortgage loan |
Plusvalía Municipal |
Capital gains tax on the sale of property |
Proindiviso |
Co-ownership, when a property has more that one owner |
Promotor |
Property developer |
Registro de la propiedad |
Property Registry |
Representante fiscal |
Official tax representative |
Residencia (permiso) |
Residency permit |
Residente |
Resident |
Segunda vivienda |
Second home |
Seguro multirreisgo hogar |
Household insurance |
Se alquila |
For rent |
Se vende |
For sale |
Seguro de amortización de préstamos |
Loan repayment insurance |
Señal |
Deposit, down payment |
Subvención |
Subsidy |
Superficie útil |
Useable square metres in a property |
Tasación |
Independent valuation of property |
Terreno |
Plot of land |
Tipo de interés |
Interest rate |
Tipo sustitutivo de referencia |
Substitution of the official interest rate - for example the euribor |
Titulo de propiedad |
Deeds stating the ownership of property, date of sale etc... |
Valor catastral |
Registered value of land |
Verificación |
Verification |
Vivienda de Protección Oficial (VPO) |
Low-cost housing subsidised by the state
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