This article talks about the consequences of COVID-19 measures’ on child/ren's joint custody and visiting rights of separated or divorced couples. COVID-19 and family law warning Family law is not an area of my expertise. However, I think it is useful to try to explain briefly how...
This article explains the possibility according to the Spanish law of making a valid will with minimum formalities and no witnesses. Why making a handwritten will? In these exceptional times we are living some people can feel the urge to make a will in a rush just...
This article comments the last Spanish Supreme Spanish Supreme Court ruling of March the 4th 2020 on usurious interest rate on credit cards. What is usury? Nowadays usury is defined as illegal or unproportionate rate to loans. See for instance this definition. Usury laws In the UK the usury...
This articles talks about how the house reputation affects conveyncing process in Spain. House reputation According to the Cambridge English Dictionary “reputation” means the opinion that people have about someone or something. So the house reputation is the opinion that people have about a house. And there might be...
What happens if a property buyer do not pay the price in time according to the Spanish law. What happens if a buyer doesn’t pay the full purchase price for a property on time? As strange as it may seem, this situation whereby the person buying a...
This article outlines the nature of a ‘sale and purchase’ type contract as used in Spanish property transactions. It outlines the nature of a ‘breach’ of contract and the right to cancel for the party which has fulfilled its’ obligations. Breach of contract clause Most of you...
This article answer to some Frequent Asked Questions about the Non Residents Income Tax with regards to property in Spain. What is the non-resident income tax? Tax on income obtained by non-tax residents in Spain. It is a Spanish direct tax on any kind of income obtained by...
This article outlines the elements of a sale and purchase contract in Spanish law, including the principle of consent, and examines their role within the process of a property transaction. Also covered in the article is the nature of the property transfer. I would like to...
EUCJ General Attorney conclusions on the IRPH official mortgage rate in Spanish mortgages. IRPH. What is that? IRPH stands for “Índice de Referencia de Préstamos Hipotecarios” and it is one of the official interest rates applicable by banks to mortgages after the most used which is the...
The Spanish Supreme Court ruling of September the 11th 2019 settles definitely the early cancellation stipulation issue included usually in all the consumers’ mortgage contracts. The end of the story? I think so. The Supreme Court ruling is very clear and fair and gives specific instructions on...