Spain - Live and Invest Overseas...regional languages of Catalan, Basque, Galician, and Aranese •...

At A Glance • Population – 47 million • Official language – Spanish plus co-official regional languages of Catalan, Basque, Galician, and Aranese

• Currency – Euro (1 euro = US$1.35) • GDP per capita (PPP) – US$29,850 (2013) • Climate – Mediterranean, Maritime, and Continental

• Natural hazards – Minor drought and flooding • Government – Parliamentary monarchy

Cost Of Living Rent US$700 HOA Fee 0 Property Taxes 0 Transportation 25 Gas (bottled for cooking) 30 Electricity 48 Water (inc. in apartment fees) 17 Telephone (inc. ADSL, TV) 32 Internet inc Cable TV 14 Household Help 160 Food 450 Entertainment 100 Health Insurance (AARO – Hosp Plan) 406 Travel 100 Miscellaneous 40 Total Monthly Expenses US$2,122

Property Costs Rent from US$450 to...the sky’s the limit. Location, elevators, natural light, heating, and furnishings all influence the price.

Buy for US$70,000 and up... National average 2,013 euros per square meter Basque Country 3,277 (n) 2,702 (u) Cantabria 1,777 (n), 1,769 (u) Galicia (Coruña) 1,423 (n), 1,249 (u) Murcia 1,291 (n), 1,171 (u) Valencia 1,594 (n), 1,226 (u) Cádiz 1,755 (n), 1,539 (u) Balearic Islands 2,270 (n), 1,851 (u) Canary Islands 2,220 (n), 1.390 (u) Barcelona 2,533 (n), 2,232 (u) Madrid 2,095 (n), 2,293 (u)

1. Banco Santander Real estate division is Santander Altamira Real estate: www.altamirasantander.com/ 2. BBVA Real estate division Vivienda: www.bbvavivienda.com/ 3. Banco Popular Real estate division Aliseda Gestión Inmobiliaria: www.gesaliseda.es 4. Banco Sabadell Real estate division Solvia Gestión Inmobiliaria: www.solvia.es 5. Banesto Real estate division: www.Casaktua.com 6. La Caixa (Spain’s biggest savings bank) Real estate division Servihabitat, branch offices, and select estate agents. www.servihabitat.com

7. Caja Madrid Real estate division: www.bankiahabitat.es 8. Caixa Catalunya Real estate division: www.cxinmobiliaria.com

Spain’s Top Banks

Spain’s top 8 banks and their real estate divisions selling repossessed properties

Spain Pros • Climate is the best in Europe

• Natural diversity • Wealth of culture • Open, friendly, tolerant people

• Affordable cost of living

• International schooling options

• Healthy Mediterranean diet

• Outdoor lifestyle • Lively city life • Good private medical

Spain Cons

• Climate – some areas (Madrid) are very hot in summer and freezing in winter

• Noise pollution in cities • Evening entertainment very late • Poor customer service • Slow government services • Public schooling may be taught in co-official language • Sometimes lackadaisical attitude

Residency • Residence visa

I. Temporary: for a period of 90 days to five years.

II. Permanent: after having held a temporary visa for five years. Renewable every five years.

• Work visa • Student visa • New – Residency through real estate: In the near future, Spain plans to offer foreign investors permanent residency with a 500,000 euro real estate investment.

Visa Options:

Medical Care

• Overall standard good... • English-speaking doctors in most hospitals… • Primary care available in all towns… • Alternative practitioners in some regions... • Prescription drugs can be a bargain…and often available over the counter…

• Private health insurance highly recommended—private health care is expensive.

Taxes • Double taxation treaty with United States. • Income tax payable on worldwide income if resident in Spain.

• You are a tax resident if: I. You live more than 183 days per year in Spain II. Your household lives in Spain III. Majority of revenue is generated in Spain/assets are in Spain.

• Income tax bands range from 25%–52%. •  Taxes vary by location (in Catalunya the top tier pays 56%).

• Local taxes are payable to town hall and vary by region: average 250–350 euros.

• Capital gains tax rate is 21%–27% • Savings taxed at 18%... • Sales tax (IVA) rate is 4% reduced rate/ 21% standard rate…

• Wealth tax (reinstated for 2011, 2012, 2013): From 0.2% to 2.5%...

• New autonomous region tax There are tax allowances and deductions for residents that vary according to the individual’s personal situation.

More Taxes

Accessibility • Direct daily flights from the United States to Madrid, Barcelona, Malaga…

• Several low-cost airlines to the rest of Europe…

• High-speed train service to France… • Ferry service to UK, Morocco, Algeria, Balearic, and the Canary Islands…

• Very good, extensive road network within Spain and to France/Portugal, with few tolls.

Retiree Benefits

• No specific benefits for non-Europeans. But... • The lifestyle is healthy, relaxed, outdoors, and slower than in the United States.

• There’s an active community of international retirees.

• Expat groups in the Spanish costas and islands.

Recreation • A water sport enthusiast’s heaven with both Mediterranean and Atlantic coastlines, Canaries and Balearic Islands…

• Sailing, fishing, surfing, diving... • Golf, skiing, hiking, riding, tennis… • Great nightlife in all cities… • “High-brow” culture… • Inexpensive tapas bars!

Is Spain For You? •  Spain is so diversified...there is a place for

every type of expat, from a retiree to a couple with children.

•  Key to a happy life in Spain is finding the area that suits you...

•  Culture vulture...Barcelona, Seville, Madrid •  Sun, sand, and sea...the costas •  Green and seasonal...northern Atlantic coast

Olvera, Cadiz Townhouse

5 beds / 140m2/$200,000

Valencia Villa

4 beds / 180m2/$320,000

Overlooking the Western Med Valencia Apartment

3 beds / 100m2 / $249,000

Cadiz Townhouse

2 beds / 100m2/$110,000

Tarragona Fixer-Upper About an hour to Barcelona

2 beds / 85m2/ 3+ acres / $39,000

Spain - Live and Invest Overseas...regional languages of Catalan, Basque, Galician, and Aranese •...

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