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 The Country
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Making your dream into
reality is but a few steps away. When
buying a home in Spain you are buying a
lifestyle, and as the location for holidays,
retirement, letting or permanent residency,
Spain has no equals, particularly if you are
searching for year round sunshine. Its climate
has been described by the World Health
Organisation as among the healthiest in the
world. When Britain is frozen or flooded you
can virtually guarantee that southern Spain
will be bathed in sunshine.
The cost of property in
Spain is relatively low compared with many other
European countries and provides excellent value for
money. Spain is a full member of the EU offering you
immediate advantages with the right to travel,
retire or work there. Spain is a popular country for
the purchase of retirement or second homes, and your
investment or home is likely to
appreciate considerably. Holiday lets and selling your property in the
future, should you wish, should not be difficult.
There has never been a better time or opportunity to
buy your dream home in Spain – you, too, can then
enjoy Living in the Sun |
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| Geography |
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Spain occupies 80% of the Iberian Peninsula ( the
remaining 20% is occupied by Portugal) which is located in
the south west of Europe. In the north, Spain borders
France & Andorra, with the Pyrenees mountains forming
a natural barrier. The southern tip of Spain is just 16 km
from Africa across the Straits of Gibraltar.
Spain has five mountain ranges
crossing the country providing stunning elevated
landscapes inland and forming a vast plateau known as the
meseta . Inland Spain is well
worth exploring, too. Spain
has two thousand kilometers of coastline, including miles
of spotless sandy beaches offering endless recreational
opportunities including the pleasures of just doing
nothing.
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| Climate |
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Enjoy all your meals al fresco – breakfast on the
terrace and even that last late night cap can be enjoyed
outdoors.
Hardly surprisingly the overwhelming
attraction for most visitors is its excellent climate.
Spain is the sunniest country in Europe – its
Mediterranean coastline, from the Costa Blanca to the
Costa del Sol, enjoys an average of over 300 days sunshine
each year. Here, summer temperatures can be over 30 degrees
C (86F).
Annual
rainfall is just 230 to 470mm (9 to 19in). In winter the
daytime temperature on the Costa Blanca & Costa del
Sol often reaches a pleasant 15 to 20 degrees C (59 to
68F) when the Spanish habitually dress in overcoats and
visitors in shorts or swimsuits.
Average Coastal Temperatures Degrees
C
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Jan
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Feb
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March
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April
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May
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June
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July
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Aug
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Sept
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Oct
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Nov
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Dec
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16
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17
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19
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21
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24
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27
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31
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32
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28
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25
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19
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17
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| Flora and Fauna |
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Spain has more
varieties of wildlife than any other country in Europe. It
is the only home in the world to some of the rarest
species on the planet such as the Spanish Imperial Eagle
or the Liberian Lynx. Small numbers of brown bears inhabit
the high mountains but these are, sadly, threatened with
extinction so you would be privileged indeed to see one.
Wolves can still
be found in parts of Spain, their
numbers are growing but they are very unlikely to disturb
your Spanish idyll. One of the most common predators in
southern olive groves is the common genet, a night
stalking, domestic, cat size carnivore which rarely comes
near habitation.
Spain is a bird lover’s dream with 70% of Europe’s bird
species either visiting or breeding in Spain, including
storks & red legged partridges. Rare birds of prey
such as the black vulture and Eleonora’s falcon can be
seen if you get lucky. 25 different bat species inhabit
mainland Spain and the countryside abounds with
butterflies of many colours and varieties.
Flowers and plants abound where
sufficient water supplies permit contrasting dramatically
with the dry arid regions of the high sierra.
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| Population and History |
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Traces of man reach back hundreds
of thousands of years to the Neanderthal era. The
Ligurians arrived from Italy in the Megalithic period and
the Iberians arrived from Africa. The Phoenicians arrived
in about 1100 BC and built several towns including one on
the site of Malaga. The Greeks introduced the vine &
olive to the region in about 600BC and they were followed
by the Carthiginians. The Punic Wars ended Carthage’s
control when it was forced to surrender its Spanish
possessions to Rome in 201BC. The province then became a
wealthy and important part of the Roman Empire. Rome ruled
for five centuries leaving Spain a Christian country.
The fall of Rome allowed entry to the
Vandals and Visigoths but the last great invasion came
from Africa in the eighth century when the Moors conquered
most of the country. As the Christian kingdoms united the
Moors were gradually driven out of Spain, the final
catalyst being the marriage of King Ferdinand of Aragon
and Queen Isabella of Castile in 1474.
The power of the monarchy subdued
Spain for several centuries supervising the rise of the
Spanish Inquisition which exerted horrific random
authority over the lives of helpless Spaniards. The story
of the last three Habsburg kings is one of steady decline,
leading to disputed succession culminating in the arrival
of Philip V from France. When Napoleon came to power he
engineered the abdication of the current king and handed
over the crown to his own brother, Joseph Buonaparte. The
French were later overthrown with the help of the British
and the nineteenth century was an unstable time for Spain.
Underneath the political turmoil
the country was becoming industrialised and a group of
Spanish writers and philosophers known as the Generation
of 98 began to reassess Spain’s position in the modern
world. Spain wisely opted out of the First World War and
the 1920s brought prosperity under a military dictator.
The 1930s brought the Depression with internal revolts and
strikes. Two groups formed the Nationalists and the
Republicans and the Spanish Civil War began. In March
1939, General Franco, representing the Nationalists
marched into war torn Madrid and the conflict was over.
Thirty six years of Franco’s
rule saw Spain become a police state. Spain avoided
joining World War II and concentrated on building a strong
economy. Franco died in 1975 and King Juan Carlos took
over the reins of power. He has guided the widening of
democracy and religious tolerance. Spain is now a member
of the EC and has the fastest growing economy in the
continent.
The estimated population of Spain
is 39,000,000. The foreign community is growing but not
extensive and confines itself mostly to coastal areas.
The Spanish enjoy meeting new people and are friendly
and welcoming. Visitors and residents alike find
themselves rapidly becoming members of the local
community. Spend time in your nearby bar or restaurant and
you’ll be a local in no time at all.
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| Language and Education |
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Many Spaniards speak
good English and if you are intending to spend most of
your time with the expatriate community then you will get
by with little or no Spanish. Your life will be fuller and
more interesting if you learn a little, basic Spanish and
it is a very easy language to learn because it is
phonetic. You will find that it helps you to appreciate
the Spanish way of life and opens many doors that remain
firmly closed to tourists. Spanish courses are available
in most resort towns and big cities.
There are literally tens of thousands
of foreign children currently being educated under the
Spanish education system which consists of state-funded
schools supported by a comprehensive network of private
schools, many of which are foreign and include a
considerable number of British institutions.
90 per cent of all children, in Spain,
between the ages of four and five attend nursery school
and over 55% of students remain at school until their
18th birthday. Of these, a further 25% go on to vocational
training and 30% to university. Spanish universities are
comparable with any in Europe but suffer the same problems
in that most are overcrowded. It's not unusual among
expatriates to send their children to British or
American universities if they can afford to do so because
courses tend to be shorter with far more flexibility than
is the case in Spain.
Of particular significance to anyone
with children who may be contemplating a move to Spain is
the simple fact that the younger a child is when s/he
enters the Spanish school system, the easier s/he will be
able to cope. Some expatriates choose to start their
children's education in Spanish nursery and primary
schools and then switch their secondary education to a
private school.
Most foreign children cope well with being educated in Spain
be it private or state education. Living in a foreign land
is an adventure for most of them which offers both change
and challenge and they rise to the occasion.
Information about Spanish schools, both in the state and
private sectors, can be obtained from Spanish embassies
and consulates abroad and from foreign embassies and
educational departments in Spain. For information about
British schools in Spain try www.nabss.org
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| Currency |
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Spain’s currency is the Euro.
The country has a very efficient banking system.
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| Air and Seaports - Transport |
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Air - Flights are plentiful and easy to book. For the Costa del Sol
fly into Malaga. For Costa Blanca fly into Alicante.
British Airways & Iberian Airways provide this service
at a price. Inexpensive charter flights are common from many European
countries, including Britain. Around 70% of people
visiting Spain from Britain do so on a charter aircraft.
Various no frills airlines fly into these airports and
their prices are not expensive. Check their web pages and
keep an eye on Teletext
Sea - Ferry travel can be advantageous as you get to bring your car
with you if you want.
Brittany Ferries travel from Portsmouth to Bilbao
and P&O operate from Portsmouth to Santander.
Road - You can, of course, cross by ferry or tunnel to France and
then drive. This will take you at least two full days
driving and will entail one or two nights hotel stay.
Half way through France near Poiters is a good Chambre
D'Hote which also does evening meals (the owners used to
run a restaurant and the meal includes wine) - have a look
at www.maisonboisfleurie.com
Once in Spain you drive on the right.
As with all trips abroad it takes a little time to
acclimatise your driving skills but generally speaking,
driving in Spain is a
pleasurable experience. It is easy and
inexpensive to hire cars in Spain. Speed limits are 120kph
(75mph) on the expressways (autopistas), 100kph (62mph) on
other roads and 60kph (37mph) in built up areas. Seat
belts are compulsory. Traffic coming from the right has
priority on roundabouts.
Officially you cannot drive a foreign plated car
in Spain forever. The maximum time of use per annum is 6
months and, in theory, for the other 6 months you need to
park the car in a garage. Checking is very lax, however. EU
members can drive in Spain on their foreign driving
licence without an international driving licence. Non-EU
members have a real advantage
when they buy a car on tourist plates and stay as a
non-resident. They do not have to pay the 16% IVA (VAT)
and neither do they have to pay the Spanish special
vehicle registration tax of 12% - 28% saved.
Europeans can avoid paying the 12% special registration tax.
When buying your car all you have to do is ask
and the car will be fitted with a tourist plate, rather
then a full Spanish plate. You will have to renew this
plate every year, which will cost you approximately 25.000
pesetas. You can repeat this as many years as you want.
Buying a car on Spanish plates can save a lot of
complications and has certain advantages, such as being
easier to resell and coping with payment in Euros. The
rules are that you have to have a residency or own a
property or be able to present a certificado de
empadronamiento (certificate to show that you are a
registered inhabitant of the community). If you are a
non-resident driving through Spain, you may find that the
Spanish police are empowered to demand payment on the spot
for any traffic violation you commit. They will impound
your vehicle, if you are not able to pay up. This is all
legal as their orders are to ensure that the fine will be
paid.
Under Spanish law, motor vehicles and trailers
must be insured when entering Spain. Green cards are not
usually necessary.
The following categories of car insurance are
available in Spain –
Third Party (responsabilidad civil obligatoria
or seguro obligatorio) is the minimum legal requirement
Third
Party, Fire & Theft (responsabilidad civil obligatoria,
incendia y robo)
Full
Comprehensive (todo riesgo)- this is only usually
available for vehicles up to 3 years old.
Driver & passenger insurance
(seguro de ocupantes) is usually optional in Spain and
can be added to your policy This allows the driver of a
vehicle involved in an accident to claim for bodily
injuries, including compensation for incapacity to work or
for compensation to beneficiaries should he be killed.
Insurance premiums in Spain are amongst the lowest in
the EU.
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| Medical |
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Over 90% of Spanish residents are covered by the public
health system (INSALUD), including residents retired from
an EU member state and in receipt of a state pension as
well as for those in employment and contributing to
Spanish Social Security, plus their dependants.
The
lifestyle and climate of Spain place the Spaniards among
the world's healthiest people, with life expectancy in
Spain being the highest in the European Union. In
particular, the level of heart disease is among the lowest
in the world; this is probably due to the diet although
the relaxed way of life cannot be ruled out as a potential
health benefit! In addition, the warm dry climate is
recognised as being beneficial to sufferers of rheumatism
and arthritis.
The quality of medical facilities in Spain is very good,
as would be expected in a modern western society. Spending
on health care in Spain is at the average for the EU with
government-funded and private health care providers
operating alongside each other to good effect.
It is normal for those
who are not either paying Spanish Social security or
receiving an EU state pension to have private health
insurance and proof of such insurance may be required when
applying for a residence permit. Before moving to Spain,
you should check with your local social security offices
and make sure you have completed the relevant forms for
temporary or permanent residence in Spain. Spain's public
health benefits include free or subsidised health care
(including general and specialist care, hospital
treatment, maternity care, basic dental care) and
subsidised medicines.
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| Crime |
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Although
the crime rate in Spain is probably the lowest in Europe,
it is, sadly, on the increase. Crime
in the resort areas is of the non-violent type and
consists of pickpocketing, burglary and breaking into
vehicles, particularly those with steering wheels on the
wrong side! All of these crimes can be prevented with a
little forethought.
Normal and sensible
security precautions will deter the burglar – locking
doors, closing windows when out, leaving lights on, - all
the normal things you already do in your present home.
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| Work In Spain |
Jobs in Spain are plentiful. Along the coast most jobs are
seasonal as with the UK coast largely on Most
qualifications obtained in the UK and Europe are
recognised in Spain. Whatever job you end up doing, If you
intend to work in Spain make sure you get a contract from
your employer which is at least 6 months long. This will
also protect you and give you the same rights as a Spanish
employee. Your employee will deduct national insurance and
tax. In general Spanish wages are less than those in the
UK but bear in mind that the cost of living is less and
the lifestyle better. In general working hours include a
'Siesta', which is a 2-3 hour break between 2-5 in the
afternoon. This is when most businesses shut down,
re-opening in the cooler hours of the evening.
If
you are an EU citizen, you can enter Spain as a tourist,
go to the INEM (the National Institute of Employment) and
register as a job seeker just the same as a Spaniard. Then
you look for work. Jobs in Spain are plentiful. Along the
coast most jobs are seasonal. Most qualifications obtained in the UK and Europe are
recognised in Spain. Whatever job you end up doing, If you
intend to work in Spain make sure you get a contract from
your employer which is at least 6 months long. This will
also protect you and give you the same rights as a Spanish
employee. Your employee will deduct national insurance and
tax. In general Spanish wages are less than those in the
UK but bear in mind that the cost of living is less and
the lifestyle better. In general working hours include a
'Siesta', which is a 2-3 hour break between 2-5 in the
afternoon. This is when most businesses shut down,
re-opening in the cooler hours of the evening.
Once
you have found your job, you must go to the nearest
Spanish police station which has a departamento de
extranjeros, taking your job contract, passport, medical
certificate issued by an authorized examination centre,
and four photos. Fill in the application forms and wait
for your permit to be granted. Along with the tarjeta
comunitaria, you will be issued an NIE, a numero de
identificacaon de extranjeros, your Spanish tax
identification number. You must also be registered by your
employer for Spanish Social Security.
Your
new employer will usually steer you through the entire
process and if you later change your job your new employer
will handle the paperwork.
The
other sort of work permit applies to persons like
plumbers, carpenters or business operators, who wish to
work as self employed. This is called working "on
your own account" the cuenta propia. It is
often called autonomo as well, because the worker
pays into the Spanish Social Security system under a
different plan from the employee. In many cases the self
employed person can choose to set the amount he wants to
pay, as long as it is above a certain minimum. (Ask your
Consulate for details relating to Social Security).
The
situation for self employed people is a little more
complicated, but it is no more complicated than it is for
Spaniards themselves. Remember that "equal
treatment" means that those persons applying for self
employed permits will have to go through a series of
fiscal licences, opening permits and inspections just like
Spaniards trying to start a business.
European
professionals who want to work in Spain are already
finding it much easier to have their professional
qualifications standardised to Spanish regulations and to
set up their practice in Spain.
Doctors,
dentists, nurses, veterinarians, architects, lawyers,
insurance agents and hairdressers now experience fewer
difficulties when they want to render their services in
Spain. Other professions also will find restrictions
relaxed.
With
the new legislation, 120 foreign architects are already
certified in Spain. The same is true for doctors and
dentists, who formerly found a labyrinth of paperwork
confronting them before they could practice in Spain. Now
the recognition of foreign qualifications has been greatly
simplified and speeded up.
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| Income Tax |
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Income tax in Spain is below the EU average. Spain has
made a major design change in its income tax system to
take the country into the new millennium. A lot of the
rates have dropped, especially for low incomes. The
Spanish tax ministry, which is known as the Agencia
Estatal de Administración Tributaria, but still called
"Hacienda" by many, has been making the
tax-payer's burden a lot easier, as it is now a lot more
user-friendly, but this does not mean that Big Brother is
not watching you. You can read all about these principles
in a Spanish Ministry of the Treasury booklet, called
Taxation Regulations for Foreigners. (Publication F-9)
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For property in Florida (especally Orlando, Kissimmee,
Davenport and Clermont) Greece, Alonissos, The Peloponnese,
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Goodwin - Tel: + 44 (0) 1590 626266
For Property in Cyprus, Croatia,
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+ 44 (0) 2380 879318
For Property in Spain and Turkey
contact: Christina Harris - Tel: +44 (0) 1962 885602
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