You could buy this amazing designer house in Sant Cugat del Valles, Barcelona. It has 316m² built on a plot of 632m². The house has four bedrooms and 4 full bathrooms. It is a detached house with two floors. The ground floor has direct access to the beautiful garden and swimming pool area. The house has a unique design with vertical strips of copper colored material with a metallic finish alternated with glass. There are large windows which let in lots of natural light and the dividing line between indoors and out disappears.Â
Although there is no elevator a space has been prepared for the installation of an elevator. The outer walls have an air space providing thermal and acoustic insulation and preserving energy. The windows also have double glazing for sound and heat insulation. The interior has had a double layer of paint applied and top quality finishes. In the bathrooms and toilets there are porcelain stoneware floors while the rest o the house has parquet floors. The bathrooms also have energy saving systems. The kitchen is equipped with top of the line brand appliances from companies like Lieberherr, Neff, Gutman and Gaggenau. This is one of the best residential areas in Sant Cugat. It is close to the center and to the train station for direct access to Barcelona city center.
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This Bellaterra property is built 465m²and spread over a plot of 3915m² IT has 5 bedrooms and 5 bathrooms. The house is in the exclusive neighborhood of Bellaterra in Barcelona. The house is surrounded by a quiet area and is connected to Barcelona’s city center by the Vallvidrera Tunnels.
The house was constructed of top quality materials and it will be possible o build additional units on this large plot of land which is in fact three plots together. The house has amazing views of the surrounding countryside and a high degree of privacy. The house has luxury touches like a lounge fireplace, marble and parquet floors, an alarm and security camera surveillance system, gas heating and air conditioning. The house has two floors and the spacious rooms include 4 doubles and 1 singe. The kitchen is bright and together with the living room faces the garden. There is a multipurpose room which could be used as a game room, gym, private office, storage space or additional bedroom for elderly parents, older children or guests. Outside there is parking for four vehicles.
With the New Year just around the corner the Barcelona property market is taking a little break as everyone celebrates Christmas, Hanukah or just the festive season in general. However after the confetti has settled and we have ushered in 2017 the market will inevitably get back into gear. Property investors are still flocking enthusiastically to Barcelona as the city continues to make a stable and steady recovery from the 2008 financial crisis. The Barcelona real estate market offers many advantages over other property markets and remains attractive to foreign and local investors and home buyers. In Barcelona demand still exceeds supply; property is still comparatively cheap and there is still an incredible potential for price growth in the coming years. The city continues to attract tourists in large numbers, all of whom need somewhere to stay. It also continues to attract those looking for retirement in a cheap, sunny and culture-filled environment.
Perhaps the major reasons why Barcelona will continue to be a major property investment Mecca can be narrowed down to high demand in the new-build market; rising purchase and rental prices and new, exciting property investment opportunities. Together with the shrinking unemployment numbers; growing GDP; lack of development-ready land and low mortgage lending rates Barcelona has a winning property market. The mortgage market in Barcelona is extremely inviting with foreigners getting about 70% of the purchase price at about 4% interest and locals getting even more attractive figures.
The moral of the story for Barcelona real estate in 2017 is - Â BUY NOW!
This semi-detached property is located in Sant Cugat’s best residential area just 5 minutes from the closest station. It is built over 446m² and has 6 bedrooms and 5 full bathrooms. The house is in a community which as private security making it a very safe neighborhood. The house has loads of character and is charming, comfortable and perfect for a family. The rooms are distributed over four floors. One of the bedrooms is currently being used as an office; five are double rooms and one is a suite with its own bathroom. From the entrance way you are led into the kitchen.
The spacious living room has direct access onto the garden and pool area. Also on this level there is a guest toilet and a laundry room. Upstairs is the master bedroom suite with its own dressing room and two of the double bedrooms which share a bathroom. All the rooms have lots of natural light from the large windows which look onto the Sant Cugat golf course.
In the loft area there is another bedroom which is currently being used as an office but could be for an older child, elderly parents, guests or even a playroom. This loft room covers 40m² and has its own bathroom. The loft has a large round window and a sloping ceiling giving it load of character.
The basement has an area which could be a completely separate unit for guests, renting or an elder child. This basement apartment has its own living room, bathroom, kitchen and dressing room. Also beneath the house is a parking area for two cars and a storage room which could be used as a private gym.
The garden is on two levels with a porch area on the upper level adjacent to the house and a pool level below. The pool is a salt water pool which makes it very easy to maintain. The house has been built with the best possible materials and has parquet floor, an alarm system, double glazed windows, gas heating and great views from all the windows.
Once you have bought your home in the sun you will need to pay the necessary maintenance expenses and taxes each year. Here is a brief outline on what it will cost you to have your property in Barcelona.
Taxes
Municipal Added Value Tax: Plus Valia – Based on the municipal index value of the land from prior vendor’s purchase to present sale.
Rates or Annual Property Tax: IBI
Wealth Tax: Impuesto de Patrimonio - Based on total net assets.
Income Tax: Impuesto sobre la Renta – If you reside in Spain for more than 184 days a year then you are a Fiscal Resident and must declare income annually just like residents. Non-residents pay two kinds of income tax (IRNR) on income received through ownership of Spanish property – income gained from property rental and derived benefit of own use of property. Different income tax may apply depending on source of income.
Capital Gains Tax: Impuesto sobre Ganancias Patrimoniales Inmobilliarias – Tax on the sale of property.
Maintenance and Ongoing Expenses
Fixed Phone-line: Cost varies according to region and equipment installed.
Cleaning Service: You may need a full time cleaner or someone paid by an hourly rate. The hourly rate is about €10-15.
Electricity: Paid monthly or bimonthly depending on the city. There is a minimum rate whether you are using electricity or not residing in the house at all. If the house stands empty the electricity bill is calculated according to the potential use with all power turned on. Electricity could cost you €40-150 a month depending on the property.
Gardeners: In an apartment this would be covered by the Homeowners Association; in a villa you would pay about €16-20 an hour.
Insurance: Home insurance for property and contents paid annually.
Community Fees: Homeowners Association fees comprised of the residents of an apartment building or villa estate. Participation in maintenance expenses for shared areas like lobby, pool etc.
Water Rates: Paid to the municipality every 3 months according to meter consumption.
Garbage Collection Tax: Basura - Paid every 6 months to the municipality.
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Barcelona Municipality is determined to elevate the homeless situation in Barcelona and the number of people who cannot afford housing. Led by former anti-eviction activist mayor Ada Colau the Town Hall has recently started penalizing banks which own repossessed properties yet keep them empty. Three banks were recently fined €315,000 for each of 4 properties which were kept empty rather than being put on the rental market. Spanish banks own a large number of properties which were repossessed after owners were unable to pay their mortgages. These properties can be sold or rented out by the banks. Sareb (Spain’s “bad bank”) owned two of the fined properties located in Sant Marti, Barcelona and BBVA and Banco Santander own the other two fined properties located in Nou Barris.
The fines were originally issued in 2015 when the properties were found to have stood empty for more than two years. At the time there were a total of eight unoccupied properties which were reported as unoccupied and to which proceedings were started. Four of the unoccupied properties were put up for rent and so they did not incur fines while the other four apartments have remained unoccupied. 207 other properties are currently under investigation in Barcelona with some of those priorities already incurring fines. As long as the properties are not occupied the fined imposed by the Barcelona Municipality go up each month. Some of the remaining properties have already reached €15,000 in fines. The banks are required to rent out or sell their excess properties in Barcelona to help ease to social housing shortage.
The Spanish government set up SAREB in 2012 as a “bad bank” which was given 15 years in which to dispose of approximately €65 billion of property assets. SAREB is an abbreviation for “management company for assets arising from the banking sector reorganization”. It is a private organization created to try and clean up the Spanish financial sector and specifically those which have over invested in the property market. Banks in financial difficulty could transfer their real estate assets to be managed by SAREB in order to mitigate the risk associated with those assets. The Spanish government established SAREB as part of an agreement with other European nations in order to get financial aid for the Spanish banking sector. Four national banks handed over approximately 200,000 real estate assets of which 80% where mortgage loans and 20% were properties – Banco de Valencia, Catalunya Banc, NCG-Banco Gallego and Bankia as well as Liderbank, Caja3, Banco CEISS and BMN.
The property ranges in size, value and location and includes plots of land, unfinished new-builds, large villas and small storage units. They set out to sell of the more valuable properties first in order to get the ball rolling and start producing a profit. In 2014 SAREB sold off more than 11,000 repossessed Spanish properties. In 2015 sales were down to 5,400 properties when the target for that year was 15,000 units. When 2016 began SAREB had only sold off approximately 15% of its original assets. The expert explanation for this is that SAREB has sold off the crème of the crop and is left with thousands of properties that are virtually unsalable. To solve the problem of too many unsalable properties SAREB has earmarked €100 million to use in demolitions so that they can then sell the plots of land instead of unworthy houses. SAREB are likely to start demolition some of their less attractive properties this year; properties that are in regions where market recovery is unlikely. Another tactic used by SAREB was to initiate new building projects and investing €110 million in the construction of 783 apartments.
The actions of the Bad Bank mean a reduction in the excess properties on Spanish bank’s portfolios and an opportunity for those banks to offer new buyers more attractive mortgages.
