Of all the types of insurance available, one of the most important, and often least understood, is liability insurance.

This type of coverage is essential for both individuals and businesses, offering vital financial protection. But what does liability insurance actually entail? We explain its key aspects and why it is so important.

Renovating bathrooms without having to do any work, demolish coverings or create rubble? It may seem difficult, but it's not that difficult. In fact, in a short time and with a small investment, you can achieve a magazine-worthy bathroom. If you don't know how to get started, here are some suggestions.

When selling a primary residence, it is crucial to be aware of the time frames and conditions required to reinvest in a new property, in order to take advantage of tax benefits, such as the exemption from paying IRPF on the sale. Below, the most important points to consider for carrying out this operation efficiently are explained.

There are various reasons to replace the windows in a home, such as improving sound insulation, creating new light sources (provided that regulations allow it), increasing the energy efficiency of the property and achieving a more sustainable home, among others. The cost of replacing windows can vary significantly depending on different factors, so it is crucial to make a detailed calculation before making a decision.

To clarify your doubts, we explain how much it can cost to replace windows, the usual deadlines to complete the renovation, and the advantages you will obtain by making this investment.

How much should you put down as a deposit to buy a flat? This is one of the most common concerns among those who are considering purchasing a property and need bank financing to do so, a situation that affects a large percentage of the population.

If you are wondering what the amount of deposit needed for a flat is and how to calculate that amount based on the value of the property you wish to acquire, in this article we provide you with the key details so that you can determine if the purchase you are considering is viable.

The bathroom is one of the key places in any home, and its design can have a significant impact on the functionality and style of the home. One of the most common renovations is to replace the bathtub with a shower. The reasons for doing so are varied, such as improving accessibility or increasing safety.

In this article, we tell you in detail everything you should consider if you choose to replace the bathtub with a shower.

Acquiring a property by the sea is the dream of many people. Coastal residences in Spain are highly sought after by both domestic and international buyers, whether for use as a primary or secondary home, or to gain some financial benefit by renting them out.

Before buying a house near the sea, it's important to consider several key aspects and factors. In this article, we provide a series of recommendations for successfully acquiring a beachfront property.

In the fast-paced world of the real estate market, the role of the real estate advisor has become indispensable to facilitate successful and safe transactions for both buyers and sellers. But what exactly is a real estate advisor and what functions does he or she perform in this field?

This expert not only expedites the purchase and sale of real estate, but also provides specialized advice, handles legal and financial procedures, and ensures that each transaction is carried out in accordance with current regulations. Here we tell you everything you need to know about the real estate advisor.

Value Added Tax (VAT) is a tax that levies most transactions in Spain, with a tax rate that varies depending on the product or good.

However, some housing transactions may be subject to the Transfer Tax (ITP) instead of VAT. What does this depend on? In this article, we explain everything you need to know about ITP and VAT in home purchases.

Renovating a home can increase its value by up to 20%, but what modifications are most effective in increasing its market value? From touching up the paint to renovating the floors, modernizing the furniture or improving the electrical infrastructure, each improvement made contributes to its revaluation. Here we present suggestive alternatives and provide you with an estimate of their approximate costs.

Second homes are an important part of the Spanish real estate market, sought after by both nationals and foreigners for their climate and quality of life. However, acquiring them can be complicated due to questions about taxes and expenses.

In general terms, today rounded shapes, natural materials, spacious seats and multifunctional furniture predominate. This change is attributed to the desire to create more welcoming environments with an aesthetic closer to nature, in line with a growing interest in eco-sustainability, recycling and the connection between the interior and exterior spaces of the home.

Explore everything you need to turn your property into a tourist accommodation that generates profits. This manual will provide you with essential information to know the regulations and necessary procedures, guaranteeing that your property meets all legal requirements and is prepared to welcome travelers from all over the world.

Painting walls and ceilings is one of the essential maintenance tasks in any home. Over time, dirt accumulates on them, in addition to fingerprints or small bumps that affect the surface. It may happen that you have simply stopped appreciating that tone that one day you chose for your home. In any case, before getting down to work, you should consider some fundamental questions to achieve an impeccable finish.

The procedure for renting an apartment in Spain may seem challenging, but with the right information, you can discover the ideal residence without unnecessary hassle. We examine some essential tips to facilitate your search for renting a home as a foreigner.

If you are considering the possibility of selling a property, you have surely questioned what the cost will be for you and how much the Treasury retains for the sale of a property. These types of operations are not free: it is likely that a capital gain will be generated that you must include in your Personal Income Tax (IRPF) declaration, in addition to complying with certain taxes for which you will be responsible.

In order to clarify your doubts and so that you can make calculations with maximum precision, we review the taxes associated with the sale of a home one by one.

At a time when electricity and gas costs (along with many other mandatory expenses) remain at exorbitant levels, it is more crucial than ever to address those recurring questions that arise winter after winter: How to keep the house warm a minimum consumption? How to heat a home without using heating?

The reality is that, beyond depending on devices to air condition your home, there are some tricks and suggestions that will be useful to attract and conserve the accumulated heat without incurring additional expenses.

Whether you are going to buy or sell a property, the cadastral reference will emerge as a crucial concept that you must understand and appreciate its usefulness. Undoubtedly, this constitutes a fundamental element in the real estate sector in Spain. This is a unique alphanumeric code assigned to each plot or property, which serves for the precise and univocal identification of a property. The compression of this data is essential to carry out real estate operations, comply with tax obligations and manage various activities linked to property.

With housing costs skyrocketing, the question of what is more convenient, buying or acquiring, looms larger in our environment. However, the solution to this question is not presented in such a simple way. In reality, there is no single answer, as it will be subject to the particular and financial circumstances of each family.

When you consider selling a property, there are many factors that impact and define its value. However, instead of being tempted to make a subjective evaluation of the property by the owner, it is essential that you always keep in mind the tax value of the property.

The tax value of a property is what will establish the amount of taxes to pay when carrying out a sale or inheritance transaction, and will also establish the minimum value for the deed of the property. At Rosesinmo.net, we offer you the best advice and help so that you can calculate this tax value efficiently and accurately.

If we are considering putting our home up for sale, it is essential to take into account the energy efficiency certificate. This document is essential, along with others that are also of great relevance to the sales process. The reason is that the energy efficiency certificate is a mandatory document if we want to sell our property. Therefore, it is an element that we must possess to facilitate the property transaction without problems.

The current rental market has transformed the task of obtaining a residence at a reasonable price into a complex challenge for a part of society. Economic choices take on special relevance, since they will directly influence the well-being of the tenant.

Over time, many parents consider the option of selling or donating an apartment to a child. Given the diversity of approaches in relation to the Property Transfer Tax (ITP) found in the different autonomous regions, it is not surprising that these two possibilities are considered to ensure this asset for future generations. Whether you need to remember what the ITP entails and how it is calculated, or if you are looking for information to determine which is the most appropriate alternative to transfer property to your heirs, this article aims to provide clarity in that situation.

The main characteristic of any obstacle-free space is the absence of separations between rooms, with a greater connection between the kitchen and the living room, for example. These types of designs improve the luminosity of the area and air circulation, which creates more serene environments and makes it easier to share the same space more fluidly. Each person's individual needs should guide how barriers are removed, but this change will have a major impact on housing.

Imagine that you have found the house of your dreams and are about to apply for a mortgage. Do you know how much money the bank is going to lend you and the amount you need to have saved to be able to apply for a mortgage?

The spaciousness of the spaces in homes has become a valuable asset that we must learn to use to the maximum. If you are thinking of carrying out a remodeling in your house, it is essential to consider certain tips to take advantage of the environments and obtain the maximum return on your investment.

Skills to manage light, maintain organization and structure the available dimensions, will constitute some of your most valuable resources to maintain a functional and aesthetically pleasing home.

The delay in the payment of supply receipts by tenants poses a frequent situation that owners of rental homes must face. This scenario can give rise to disagreements and tensions between the tenant and the owner. In this article, we provide you with guidance on how to proceed when a tenant defaults on their electricity or water supply, as well as exploring some of the possible circumstances that could arise.

Delinquent tenants are the number one challenge facing rental property owners. However, there are tools that allow you to avoid this situation and avoid the repercussions in those scenarios in which you come across this problem. Non-payment of rent insurance provides security in situations where rent is not received, but can encompass a wide range of additional coverages. In this article we detail what they are, in addition to the requirements to access this type of protection.

Signing the mortgage before the notary is the final step that leads us to conclude the process of buying and selling the property. However, before reaching this moment, we must go through various stages that, depending on the case, may take more or less time. Although there is no specific deadline established by law, we can get an idea of how much time we will need from the moment we apply for the credit until we sign it before the notary. Keep reading, and we will tell you all the key details about it.

Converting a local into your own home is an idea that is on the minds of many people. One of the reasons has to do with the post-pandemic impact, with some businesses closing and many vacant sites. But there are other important explanations related to rising housing market prices or the scarcity of available homes to rent and buy.

When we prepare to sell our residence or apartment, we usually do it with a purpose and preferably quickly. It may be that we no longer live in that home, that we need the money to buy another property or cover a financial need, or that we want to buy another house.

We trust that we can dispose of the amount obtained from the transaction. However, we must note that certain taxes must be deducted from that amount. Are you aware of what they are? Although it is true that the buyer must assume some tax responsibilities, it is important that you know that the seller must also comply with this, rendering accounts before the Tax Agency.

Welcome to rosesinmo.net, your trusted real estate agency in Roses, Costa Brava! If you are thinking of selling your property, you have come to the right place. In this article, we will show you how we can help you maximize the sales potential of your property and achieve your goals quickly and effectively. As a prominent member of Cbrai, a network of +33 multi-exclusive real estate agencies, we have the necessary resources and experience to guarantee the success of your transaction. In addition, we act as experts in customer acquisition and real estate marketing, which allows us to stand out and obtain exceptional results. Read on to find out how we can help you successfully sell your property.

One of the main challenges in terms of access to housing for young people is related to the lack of available funds. Normally, banks do not grant mortgages for the full appraised value of the property, but are limited to a maximum of 80% of its value.

The Property Tax, or IBI, is a local tax in Spain that taxes the ownership of urban and rural properties. It is calculated based on the cadastral value of the property and varies depending on the tax rate set by each municipality. Homeowners, landowners, garage owners, and commercial property owners must pay this tax annually, which contributes to the financing of local public services.

According to the European directive on the energy efficiency of buildings, we should seriously consider the energy rehabilitation of homes. One of the interventions that can be carried out is the thermal insulation of residential buildings with thermal insulation. However, in many cases, poor workmanship can lead to moisture and mold problems in your home. So does the insulation solve or create humidity inside? We explain what we need to know.

Given the "boom" of the tourist apartment market, it is important to sign a vacation rental that complies with the law.

Many people hesitate to rent their houses to tourists for fear that they will damage their property. However, there are ways to protect your property and ensure that guests abide by the terms of the deal.

One of them is a vacation rental contract or a tourist home.

The Certificate of Habitability of a home is a document that certifies that the home meets the minimum conditions of habitability and solidity required by Law. It guarantees that the space is habitable and meets a certain level of health and hygiene. It specifies the minimum useful area of the living space, and the minimum equipment that must be provided: toilets, kitchen, hot water, etc. Since they are not very demanding, most homes will generally comply.

Whenever we imagine a pool at home, it is large and occupying an endless garden. But this is not always the case, in fact, today's houses are smaller, but they have specific corners where they can have swimming pools for small patios. It is possible and of different shapes and materials. Let's see how they are and how to build them.

When signing a rental contract, one of the most frequent questions is who should be in charge of the basic supplies of the house.

After the death of a loved one, you often feel overwhelmed with emotions and want to cut through the red tape, but there are procedures to follow to avoid future problems. One of them is the management of the inheritance that the deceased relative has left through a will or by legitimacy.

If you have inherited a home, you can accept or reject it. A common reason for rejecting distressed housing is a lack of financial capacity to pay the taxes associated with the inheritance. Also, you may have inherited a house that is foreclosed or in debt, making inheritance a disadvantage.

There is a chance that your name will not appear in the will. However, if you are a direct descendant of the deceased, you can claim the legitimacy of the inheritance.

Apparently the sale of firewood has increased in the summer, something that has never been seen, because many people are foreseeing very difficult times in the fall and winter with energy bills, so they stockpile firewood for their fireplaces. And the one who warns is not a traitor, they point out that the next seasons will hurt the pocket.
But there are a number of inexpensive improvements you can try to lower your next electric or gas bill.

Buying a home is one of the most important financial decisions in a person's life, especially when it comes to taking out a mortgage. Before taking the step and formalizing the operation, you must take into account what documents you need to present, verify that the house has no charges, how much savings you must have, the amount you will have to pay each month and for how many years you will pay the installments.

When buying a house, we always want to give it a completely personal touch. But many times we can save a lot of money if we buy something that has already been renovated. The truth is that it depends on many factors: according to our needs, if we like the furniture in the house, if the owner makes a good offer, if it is in good condition and if it is to our liking.

If we are lucky enough to have a patio at home, we all want to take advantage of it when the weather is good. But how can we transform this room in the house without spending too much money? We show you what factors must be taken into account before starting with 20 m² of terrace rehabilitation.

The best way for a landlord to be calm when renting a flat is to take out rent non-payment insurance. The star guarantees are those that cover the non-payment of rent, but the policies cover much more than that: they advise the owners on any issue related to the lease or the tenant, and cover all legal expenses related to the rent.

When it comes to finding happiness at home, Zen decoration is one of the most prominent in recent times and is used in most homes. Vivid colors, plants, decorative elements and arrangements that take us to distant places are the characteristic features of this style, which each one uses according to their needs.

It is always a good time to remember the ABC of tourist homes! If you own an apartment and want to offer it to a third party in exchange for a price, you should know that it has to be legalized. We explain why and the steps to follow to be able to carry out your activity within the prescribed limits.

Buying a house that needs some remodeling is a great option and has several advantages. In the first place, because in the market you can find interesting offers on real estate to reform. Also, if the house looks unattractive, but has good potential, it can be renovated and customized to your liking.

In order not to make a big mistake, before buying a house to remodel, you should evaluate several aspects to see if it is a good investment and if the necessary work will bring too much cost and eventually you will lose the advantage. Experts have found some reform ideas that can be a good investment when buying a home.

Listening to the neighbors all the time can be very annoying. The sounds of the neighbors when we try to rest or sleep or when we want to watch a series or movie comfortably. Sometimes we have noisy neighbors and a simple conversation can solve the problem. Other times we have problems with insulation. This means that even though our neighbor's intention is not to make noise, it can be noticed.

Have you just bought a house and do not know what is the most important thing to decorate? Is your house from the 60s and 70s and would you like to invest some money to update it? Obviously, every home is different. The materials and quality used to build them at the time varied widely. However, we want to use different decades to see where review and reform may be urgently needed. We can help you!

The idea of living in a beach apartment exclusively during the summer makes people often choose to buy small houses. However, for the sake of comfort, the house should be carefully furnished, even if it is 50 square meters. We can help you find your home and we will also advise you to make it all yours. A studio is a good business opportunity for vacation rental, we can help you with all the paperwork.

If you want to build a house that you like, the first thing you need is a piece of land and we can help you. Depending on its classification, it can be built or not. In this article, we explain the peculiarities of urbanized land and the costs of urbanizing it.

When we are going to apply for a mortgage, the appraisal is a big procedure, but also in other processes related to the mortgage itself or the house. Here we are going to see all the keys to take into account.

There are some differences between ordinary mortgages for foreigners or Spaniards residing in another country. Compared to 80% of the loans, it is allowed to finance up to 70%, the interests are usually higher and a good set of documentation is required. However, these profiles can also access bank financing. All the information about it below:

Due to Covid-19, and as a result of the months of confinement, many people decided to leave the apartments they had in the city and look for a property far from the cities, in more airy and relaxed places.
Two years have passed but this trend is still continuing at the real estate level. Many people plan to start this process of buying and selling, but all the taxes and expenses that this implies should be taken into account before getting rid of their houses.

During this year, many people have changed their variable loan to a fixed one. In this section, we show you the advantages and disadvantages involved if you want to make this type of change in your mortgage.

Here we will provide you with all the current official and updated information about Covid, the conditions of entry and exit from Spain and the restrictions.

In this article we will see the steps you must follow to make the change of use from premises to housing. We have many clients interested in commercial premises for residential use. Making the change is easier than it seems, we leave you here the steps to follow. Do not hesitate to contact us if you liked one of our premises on the Costa Brava and want to make the change. You will find our premises for sale here: https://cutt.ly/YFRSAWH

At the time when you are considering investing in a property on the beach in Roses, Costa Brava; A thousand doubts and contradictory reasoning may appear. This is a scary decision, but buying a property and then renting it can be a stable source of income, as well as an incredible place to enjoy a vacation with your family.

Below we will explain the pros and cons of owning a holiday rental in Roses Costa Brava to help you decide whether or not you should. In addition to what is the median income and various factors that you should know.

COVID information for your holidays in Roses, you need to do a PCR or antigens to enter or leave Spain or valid vaccination, here you have all the information.

Here you will find some spectacular tips that will help you if you have bought a house or apartment and want to redecorate the kitchen, or if you want to make reforms and then decorate.

Types of sales mandate with ROSESINMO.NET your real estate in Roses Costa Brava

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Live Roses live a window to the best beaches of the Costa Brava, you know that you can see Roses with the different webcams offered by Roses.net

Idyllic section on the Costa Brava from Roses to Cadaqués, we start in front of the Roses tourist office, the first part to the Almadraba beach is an urban section of walk and path, once we pass the Almadraba the Cap de Creus with a harder dirt road with continuous descents and ascents, we first cross Punta Falconera where an advertisement for Estrella Damm beer was recently shot with the 50 best chefs in Spain.