The tax rules for foreigners in Spain depend on their tax residence. A person is considered tax resident in Spain if he or she lives in Spain and has his or her main economic ties to Spain. This means that he or she lives, works, or has a business in Spain.

Foreigners who are tax resident in Spain are subject to Spanish taxes on their worldwide income. This includes income from employment, property, interest, dividends, and other sources. Tax rates in Spain are progressive, ranging from 19% to 45%.

Foreigners who are not tax resident in Spain are only subject to Spanish taxes on their Spanish income. This includes income from employment, real estate, and other sources in Spain. Tax rates for non-residents are lower than for residents, ranging from 24% to 35%.

Here are some specific examples of taxes foreigners may pay in Spain:

• Income tax
• Property tax
• Inheritance tax
• Gift tax
• VAT
• Import duties

It is important to note that these tax rules can be complex and exceptions and exemptions apply. It is advisable to consult a tax advisor to determine which taxes apply in your specific situation.

Here are some tips for foreigners who have to pay taxes in Spain:

• Make a budget for the taxes you have to pay.
• Keep in mind deadlines for filing tax returns.
• Consult a tax advisor if you have questions about your tax return.
• Gather all relevant documents and information, such as pay stubs, rental contracts, and tax returns from your home country.

The cost of living in Spain is generally lower than in other European countries. In 2023, the cost of living in Spain was about 30% lower than in the Netherlands and other countries. This means you can live a comfortable life in Spain on a lower budget.

The cost of living in Spain can vary depending on the region, lifestyle, and personal expenses. In big cities like Madrid and Barcelona, the cost of living is higher than in smaller towns or villages.

Here are some examples of the cost of living in Spain:

• Rent: €500-1,000 per month for a flat in a city
• Food: € 200-300 per month for one person
• Transport: €100-200 per month for public transport
• Going out: € 100-200 per month
• Health care: € 100-200 per month

An average monthly expenditure for a single person in Spain is around €1,500. This amount can be higher or lower, depending on personal circumstances.

Here are some tips to reduce the cost of living in Spain:

• Buy a property instead of renting.
• Cook at home instead of eating out.
• Use public transport instead of a car.
• Take advantage of free activities, such as hiking, cycling, and swimming.
• Compare prices for products and services before you buy them.

By following these tips, you can save money and enjoy a comfortable life in Spain.

The climate in Costa Blanca is generally hot and dry, with warm summers and mild winters. Costa Blanca is located on the east coast of Spain, in the province of Alicante.

The average temperature in Costa Blanca is 18 degrees Celsius. Summers are hot and dry, with average temperatures of 25-30 degrees Celsius. Winters are mild, with average temperatures of 10-15 degrees Celsius.

Precipitation is generally low, averaging 500 millimetres a year. Most precipitation falls in winter.

The Costa Blanca's climate is one of the main reasons why the region is so popular with tourists. Its warmth, sunshine, and beaches make the Costa Blanca an ideal destination for summer holidays.

Here are some specifics about the climate in Costa Blanca:

• The warmest month is July, with an average temperature of 28 degrees Celsius.
• The coldest month is January, with an average temperature of 12 degrees Celsius.
• The wettest month is October, with an average rainfall of 60 millimetres.
• The sunniest month is July, with an average of 13 hours of sunlight per day.

The Costa Blanca is a popular destination for tourists from all over Europe. The region has a mild climate, a long coastline, and a rich culture.

The official language in Spain is Spanish. Spanish is a Romance language derived from Latin. Spanish is spoken by about 470 million people in the world, of which about 45 million in Spain.

In Costa Blanca, Spanish is spoken as the first language by most residents. However, there are also small communities of people who speak other languages, such as English, French, German, and Dutch. This is because the Costa Blanca is a popular tourist destination and many foreigners have settled there.

In everyday life, it is possible to communicate with English in Costa Blanca. Many people in the tourism industry speak English, and English-language menus and information is available in most shops and restaurants.

However, if you want to stay longer in the Costa Blanca, it is advisable to learn Spanish. Spanish is the language of culture and daily life, and it will help you integrate better into society.

Here are some tips for learning Spanish:

• Take a Spanish language course.
• Listen to Spanish music and watch Spanish films and television programmes.
• Talk to Spanish people.
• Use Spanish in your daily life.

By following these tips, you can learn Spanish in a fun and effective way.

The culture in Costa Blanca is a mix of Spanish and regional culture. The Costa Blanca is located in the Valencia region, which is known for its own unique culture.

Spanish culture is generally warm and welcoming. Spaniards love eating, drinking, and partying. They are also very proud of their country and culture.

Regional culture in Valencia is also very important. The Valencian language is a distinct language related to Spanish. Valencia also has its own unique cuisine, music, and art.

Here are some of the most notable aspects of culture in Costa Blanca:

• Food and drink: Spanish cuisine is one of the most loved in the world. The Costa Blanca has a variety of restaurants serving Spanish dishes such as paella, tapas, and tortilla. The region is also known for its excellent wines.
• Partying: Spaniards love to party. The Costa Blanca has a lively party culture, with festivals and events throughout the year. The best-known fiestas are fallas in Valencia and Semana Santa in Alicante.
• Family and friends: Family and friends are very important in Spanish culture. Spaniards love spending time with their loved ones.
• Traditional clothing: The Costa Blanca has a number of traditional garments that are still worn today. Some examples are the flamenco dress and the charro poncho.

The culture in Costa Blanca is one of the things that makes the region so special. It is a mix of Spanish and regional culture that gives a warm and welcoming feeling.

Healthcare in Costa Blanca is generally of good quality. The region has an extensive network of hospitals, clinics, and GP practices. Healthcare is provided by both public and private institutions.

Public healthcare in Spain is funded by the government. Residents of Spain have free access to public healthcare. Foreigners living in Spain can also use public healthcare, but they must first register with the Seguridad Social, Spain's social security organisation.

Private healthcare in Spain is also of good quality. Private insurance is available for people who want extra security.

Here are some specifications about healthcare in Costa Blanca:

• Hospitals: Costa Blanca has a number of hospitals, including the Hospital Universitario de Alicante, the Hospital General de Denia, and the Hospital Vega Baja de Orihuela. These hospitals offer a wide range of medical services, including surgery, cardiology, and oncology.
• Clinics: There are also many clinics in Costa Blanca that specialise in certain medical disciplines, such as dentistry, ophthalmology, and dermatology.
• GP practices: GP practices are available in every town and village in Costa Blanca. GPs provide basic care, such as flu treatments and vaccinations.

Healthcare in Costa Blanca is one of the reasons why the region is so popular with foreigners. The region has a good medical infrastructure and care is provided by experienced professionals.

The education system in Costa Blanca is generally of good quality. The region has an extensive network of schools, both public and private. Schools offer a wide range of educational programmes, including Spanish, English, French, and German.

Primary education in Spain is compulsory and free for all children from 6 to 16 years old. Primary education lasts 10 years and is divided into two phases:

The first stage: 6-9 years old
The second stage: 10-16 years old

After primary education, pupils can go to secondary school. Secondary school lasts 4 years and offers a wide range of courses, including general education, scientific education, and technical education.

After high school, pupils can go on to university or another form of higher education.

Here are some specifications about the education system in Costa Blanca:

• Public schools: Most schools in Costa Blanca are public schools. Public schools are funded by the government and are free for Spanish and EU citizens.
• Special Public schools: There are also many public schools in Costa Blanca. Public schools tend to be more expensive than public schools, but they often offer more individual attention and a wider range of educational programmes.
• International schools: There are also a number of international schools in Costa Blanca. International e schools offer education in another language, such as English, French, or German.

The education system in Costa Blanca is one of the reasons why the region is so popular with foreigners. The region has a good education infrastructure and schools offer a wide range of educational programmes.

Here are some specific tips for finding a school in Costa Blanca:

• Search online for schools in the region you want to live in.
• Speak to other parents to get recommendations.
• Visit schools to assess them in person.

By following these tips, you can find the perfect school for your child.

Costa Blanca is a popular destination for property investment. The region has a mild climate, a long coastline, and a rich culture.

The most popular regions for Costa Blanca investment are:

• Alicante: The provincial capital Alicante is a vibrant city with a wide range of shops, restaurants, and entertainment. The city is also located on the coast, making it an ideal location for holiday homes.
• Benidorm: Benidorm is a popular tourist destination with a lively nightlife. The city is located on the coast, making it an ideal location for holiday homes.
• Denia: Denia is a picturesque city with an old town centre and a marina. The city is located on the coast, making it an ideal location for holiday homes.
• Javea: Javea is a popular tourist destination with a long coastline and beautiful beaches. The town is located on the coast, making it an ideal location for holiday homes.
• Torrevieja: Torrevieja is a popular tourist destination with a salt lake and an attractive centre. The city is located on the coast, making it an ideal location for holiday homes.

These regions are popular because of a number of factors, including:

• The mild climate: The Costa Blanca has a mild climate with warm summers and mild winters. This makes it a popular destination for tourists and expats.
• The long coastline: The Costa Blanca has a long coastline with beautiful beaches. This makes it an ideal location for holiday homes.
• The rich culture: The Costa Blanca has a rich culture with a mix of Spanish and Valencian influences. This makes it an attractive destination for expats looking for a lively and diverse environment.

Property prices in Costa Blanca have risen in recent years. This is due to the increasing demand for property in the region. Rising prices can be challenging for investors, but there are still opportunities for profitable investments.

When investing in property in Costa Blanca, it is important to do research and hire an experienced real estate agent. It is also important to consider the risks involved in property investment.

There are many different types of investments in Costa Blanca. Here are some of the most popular:

• Holiday homes: Holiday homes are a popular investment option in Costa Blanca. The region is a popular tourist destination, so there is a high demand for holiday homes. Investors can rent out their holiday homes to tourists or use them as holiday homes themselves.
• Resort properties: Resort properties are another popular investment option in Costa Blanca. Resort properties often offer a variety of facilities and services, such as swimming pools, restaurants, and shops. Investors can rent out their resort properties to tourists or use them as holiday homes themselves.
• Business space: Business space is a good investment option for investors looking for stable returns. The Costa Blanca is a growing economy with high demand for commercial space. Investors can rent out business space to companies or use it for their own business.
• Land: Land is a good investment option for investors looking for a long-term investment. The Costa Blanca is a popular destination for tourists and expats, so demand for land is likely to continue to grow. Investors can buy and sell land for profit or develop and sell for profit.
• Financial products: There are also a number of financial products available investing in Costa Blanca. These products can be a good way for investors to benefit from the region's growth without the hassle of buying and managing property.

When choosing an investment in Costa Blanca, it is important to do research and hire an experienced advisor. It is also important to consider the risks involved in investing.

Here are some tips for choosing an investment in Costa Blanca:

• Research the region: Do research on the region you want to invest in. Pay attention to the economy, the population, and the tourism sector.
• Calculate costs: Calculate the purchase price, the cost of maintenance and management, and the expected rental income.
• Calculate the risk: Consider the potential risks of the investment, such as property depreciation or increases in interest rates.
• Consider an experienced advisor: Consider hiring an experienced advisor to help you choose an investment and manage it.

To buy a property in Costa Blanca, you need to take a number of steps:

1. Research the region: Do research on the region you want to live in. Pay attention to the economy, the population, and the tourism industry.
2. Find a property: Look online and in magazines at properties for sale in the region. You can also hire a real estate agent to help you search.
3. Make an offer: Once you have found a property you like, you can make an offer. The offer should be in writing and include some important information, such as the price, payment terms, and completion date.
4. Deal: The seller can accept, reject, or counter-bid your offer. If you agree to the seller's offer, a purchase contract will be drawn up.
5. Sign the purchase contract: The purchase contract must be signed by both parties. The purchase contract contains all the important information about the property, such as the price, payment terms, and completion date.
6. Pay a down payment: After signing the purchase contract, you should pay a down payment. The down payment is usually 10% of the purchase price.
7. Complete the financing: If you finance the property, you need to arrange the financing. This may take a few weeks or months.
8. Receive the keys: Once the financing is arranged, you will receive the keys to the house.

Here are some tips for buying a property in Costa Blanca:

Do research: Do research on the region you want to live in. Pay attention to the economy, the population, and the tourism industry.

Consider an estate agent: An estate agent can help you search for a property, negotiate the price, and draw up the purchase contract.

Be prepared for costs: Besides the purchase price of the property, you need to consider the cost of the down payment, financing, and transfer tax.

Be patient: Buying a property abroad can be time-consuming. Be patient and don't be put off by the bureaucracy.

The tax rules for foreigners in Spain depend on their tax residency. A person is considered tax resident in Spain if he or she lives there and has main economic links, such as work or a business.

Tax residents in Spain pay taxes on their worldwide income, including income from employment, real estate, interest, dividends and other sources. Tax rates vary progressively from 19% to 45%.

Specific taxes that foreigners may face in Spain include income tax, property tax, inheritance tax, gift tax, VAT and import duties.

These tax rules are complex and contain exceptions and exemptions. It is wise to consult a tax advisor to determine which taxes apply to your situation.

Some tips for foreigners who have to pay taxes in Spain:

• Prepare a budget for taxes to be paid.

• Take the deadlines for filing tax returns into account.

• Consult a tax advisor for advice on your tax return.

• Gather all relevant documents and information, such as pay stubs, rental contracts and tax returns from your home country.

For more detailed information and advice you can always contact us. We are happy to help you with your tax questions regarding living, investing or having a holiday home in Spain.

The cost of living in Spain is generally lower than in many other European countries. In 2023, the cost of living in Spain was approximately 30% lower than in the Netherlands, making it possible to live comfortably on a lower budget.

The cost of living can vary depending on region, lifestyle and personal spending patterns. In large cities such as Madrid and Barcelona, costs are higher than in smaller towns or villages.

Examples of Cost of Living in Spain:

- Rent: €500-1,000 per month for an apartment in a city

- Food: €200-300 per month for a person

- Transport: €100-200 per month for public transport

- Going out: €100-200 per month

- Healthcare: €100-200 per month

An average monthly expense for a single person in Spain is approximately €1,500. This amount may vary depending on individual circumstances.

Tips to Reduce Living Costs:

- Consider buying a home instead of renting.

- Cook at home instead of eating out.

- Use public transport instead of a car.

- Take advantage of free activities such as walking, cycling and swimming.

- Compare prices before purchasing products and services.

By applying these tips you can save money and enjoy a comfortable life in Spain.

The climate on the Costa del Sol is characterized by its mildness and pleasant temperatures all year round. The area is known for its Mediterranean climate, which means summers are warm and dry, while winters are mild.

Summers on the Costa del Sol: Summers are long and warm, with temperatures averaging between 25°C and 30°C. The sun shines almost every day, making it a popular destination for sun lovers and beachgoers. Rainfall is rare during this period, contributing to the dry and sunny conditions.

Winters on the Costa del Sol: Winters are mild and pleasant, with temperatures rarely dropping below 10°C. During the day, temperatures are usually between 15°C and 20°C, making it still possible to undertake outdoor activities. Rainfall increases during this period, especially in the months of November to March, but in general winters here are much milder than in many other European regions.

Spring and Autumn: Spring and autumn are transitional periods with very pleasant temperatures. In spring, nature blooms and the average temperature is between 15°C and 25°C. In autumn it still remains warm, with temperatures hovering around 20°C, before gradually cooling down towards winter.

In short, the climate of the Costa del Sol makes it an ideal destination for those looking for both sunshine and milder temperatures all year round.

On the Costa del Sol, located on the southern coast of Spain, the official language is Spanish, or Castilian Spanish. This is the most widely spoken language and is used in education, media, administration and general communication.

In addition to Spanish, a regional variant of Andalusian is also spoken, which has influences from Spanish, but also has its own characteristics and dialects in various parts of Andalusia, including the Costa del Sol.

English and other languages are widely used in tourist areas and by expats living in the region. Especially in cities such as Marbella and Malaga, English is widespread and often spoken in tourist facilities, restaurants and shops.

In short, while Spanish is the dominant language on the Costa del Sol, there is also room for other languages, especially in the more international and touristy areas along the coast.

The culture on the Costa del Sol reflects a rich mix of Spanish traditions and influences of Andalusian culture, combined with a vibrant international community due to the presence of expats and tourists from different parts of the world.

Traditions and Festivities: Locals on the Costa del Sol celebrate numerous traditional festivals and holidays, such as Semana Santa (Holy Week), Ferias (local fiestas with dancing, music and horse shows) and local village fetes. These festivities are often colorful, full of music and dancing, and offer a chance to experience local culture up close.

Gastronomy: Andalusian cuisine is very prominent on the Costa del Sol, with dishes influenced by Moorish, Mediterranean and Spanish culinary traditions. Typical dishes include gazpacho (cold tomato soup), paella, tapas, and a variety of fish and seafood dishes, thanks to its location on the Mediterranean Sea.

Flamenco and Music: Flamenco is an important part of the cultural identity in Andalusia and is regularly performed in local tablaos (flamenco bars) and during festivities. The music scene on the Costa del Sol also covers a wide range of genres, from traditional Spanish music to modern international hits, meaning there is something for everyone.

Lifestyle and Leisure: The Costa del Sol is known for its relaxed lifestyle, with an abundance of sun, beaches and outdoor activities such as golf, walking and water sports. Local markets (mercados) offer fresh produce and artisan goods, while malls and boutiques offer modern shopping options.

International Influences: Due to the presence of a diverse expat community and international tourists, the Costa del Sol is also rich in international cultural influences, with restaurants, events and community activities representing a wide range of cultures and nationalities.

In short, the culture on the Costa del Sol is dynamic and diverse, where traditional Spanish elements meet international influences, contributing to a unique and vibrant lifestyle in this popular coastal region of Spain.

The education system on the Costa del Sol offers a diverse mix of public, private and international schools, providing a variety of educational options for both local and international students. Here are some features of the education system on the Costa del Sol:

Public Education System: The public education system in Spain is managed by the regional government, in this case the Junta de Andalucía for the region of Andalusia. Public schools provide free education to residents of Spain and registered foreigners. They follow the Spanish curriculum and offer education from primary school to secondary education (ESO).

Private Schools: In addition to public education, there are many private schools on the Costa del Sol that vary in philosophy, religious affiliation, and teaching methods. Private schools often require tuition and offer an alternative for parents looking for specific educational approaches or international programs.

International Schools: Due to the large international community, there are also several international schools spread across the Costa del Sol. These schools offer education in various languages including English, German, French and other languages. They follow international learning programs such as the International Baccalaureate (IB) or the British curriculum, and prepare students for international certifications.

Quality of Education: The standard of education on the Costa del Sol is generally considered high, with schools offering modern facilities and well-qualified teachers. International schools often have a strong emphasis on multilingualism, cultural diversity and academic excellence.

Entry and Registration: Families settling in Spain will require registration with schools, with European Union residents usually having the same rights as Spanish citizens. Non-EU citizens may be required to provide additional documentation and may pay tuition fees for private and international schools.

Extracurricular Activities: Schools on the Costa del Sol often offer a range of extracurricular activities, such as sports, arts, music and cultural events. This contributes to the overall development of students and strengthens community ties within the school.

In short, the education system on the Costa del Sol offers a wide range of educational options that suit various needs and preferences of both local and international families living in the region.

The Costa del Sol stretches across a significant coastline in the province of Málaga, and several regions along this coast are popular for investment due to their unique features and appeal. Here are some of the most popular regions for investment on the Costa del Sol:

1. Marbella: Marbella is an iconic destination on the Costa del Sol, known for its luxurious lifestyle, exclusive resorts, golf courses and marinas such as Puerto Banús. It offers a mix of modern amenities, beaches and vibrant nightlife, making it attractive to investors looking for premium real estate.

2. Estepona: Estepona is a charming seaside town with a picturesque historic center, beautiful beaches and golf courses. It has experienced strong development in recent years with new construction projects and luxury amenities, making it a popular choice for both holiday homes and investments.

3. Benahavís: Located in the mountains behind Marbella, Benahavís is known for its peaceful atmosphere, exclusive homes and beautiful natural surroundings. It is particularly popular among golfers due to its proximity to several golf courses and offers an escape from the hustle and bustle of the coast.

4. Mijas Costa: Mijas Costa covers a long stretch of coastline between Fuengirola and Marbella, with popular areas such as La Cala de Mijas and Riviera del Sol. The area offers a wide range of properties, from apartments to villas, with beautiful sea views and good access to amenities and beaches.

5. Fuengirola: Fuengirola is a lively city with a long beach promenade, shops, restaurants and entertainment options. It attracts a varied crowd, from holidaymakers to expats looking for a permanent residence on the coast of the Costa del Sol.

6. Nueva Andalucía: This neighborhood near Marbella is known for its luxury villas, modern apartments and prestigious golf courses such as Las Brisas and Los Naranjos Golf. Nueva Andalucía offers a central location with easy access to Marbella and Puerto Banús.

7. Benalmádena: Benalmádena is a versatile destination with a bustling marina, Tivoli World amusement park, and beautiful beaches. The area offers a mix of traditional and modern property options, perfect for investors seeking an easily accessible location.

These regions of the Costa del Sol all offer different benefits, from luxurious lifestyles and exclusive amenities to tranquil natural environments and access to leisure activities. The choice of an investment location depends on individual preferences, budget and the intended return on investment.

There are various types of investments possible on the Costa del Sol, ranging from real estate to business investments and other financial options. Here are some of the main types of investments popular on the Costa del Sol:

1. Real estate investments:

- Residential real estate: This includes apartments, villas, and townhouses purchased for personal use, rental to long-term tenants, or vacation rentals.

- Commercial real estate: Investments in commercial properties such as shops, restaurants, offices and hotels.

- New construction projects: Participation in new construction developments for residential or commercial real estate.

2. Tourism and catering investments:

- Hotels and resorts: Investing in the development or purchase of hotels and resorts aimed at tourists.

- Vacation rental: Buying real estate for short-term rental to vacationers, through platforms such as Airbnb.

- Restaurants and recreational facilities: Investing in restaurants, bars, clubs, and other recreational facilities that cater to both locals and tourists.

3. Golf and sports related investments:

- Golf courses: Investing in golf courses and golf resorts, popular because of the climate and the demand for golf tourism.

- Sports facilities: Investing in sports clubs, fitness centers, and other sports-related facilities that capitalize on the region's active lifestyle.

4. Business Investments:

- Technology and innovation: Investing in technology companies and start-ups active in the region.

- Retail and franchises: Investing in retail chains and franchises that benefit from the tourist and local market.

Each investment option on the Costa del Sol offers different benefits and risks depending on factors such as location, market demand, return on investment, and personal investment goals. It is important to carry out a thorough analysis and seek advice from local experts before deciding to invest in this dynamic region on the Spanish coast.

Buying a property on the Costa del Sol can be an exciting but also complex undertaking. Here are the steps you can follow to buy a property in this popular region:

1. Financial preparation:

- Make sure you are financially prepared before you start looking for a home. This includes assessing your budget, arranging financing (if necessary), and setting a maximum purchase price.

2. Select a location:

- Research the different areas along the Costa del Sol to determine which one best suits your needs and preferences. Consider factors such as accessibility, amenities, property type and local market conditions.

3. Search for real estate:

- Start your search for real estate through local real estate agents that we can also assist you with, real estate websites, and networks. View several properties that meet your criteria and shortlist potential options.

4. Arrange viewings:

- Schedule viewings for the properties that interest you. Take the time to thoroughly inspect each home and ask the agent questions about the property, neighborhood and any future developments.

5. Negotiations:

- Once you have found a suitable home, start negotiating (Only for resale homes) about the price and conditions. We can advise you and help you reach a reasonable agreement.

6. Legal control:

- Before signing a purchase agreement, it is essential to carry out a legal check. This includes verifying the title papers, legal status of the property, any debts or encumbrances, and planning agreements.

7. Sign purchase agreement:

- After all legal and financial matters have been arranged, you can sign the purchase agreement. This document contains the agreed price, payment terms, delivery date and other relevant conditions.

8. Payment and transfer:

- On the day of the transfer (escritura de compraventa), you pay the remaining amount of the purchase price and sign the title deed at the notary. The notary registers the transfer of ownership at the land registry.

9. Utilities and legal formalities:

- After the transfer, you must have utilities transferred to your name and arrange any taxes and community fees. You should also consider taking out home insurance.

10. Enjoy your new home:

- After completing all formal procedures, you can finally enjoy your new home on the beautiful Costa del Sol.

Buying a property abroad requires careful planning, research and possibly legal assistance. It is advisable to work with local professionals such as our office and legal advisors to ensure the process runs smoothly and avoid any complications.