Svefors 53 Spring Summer 2022

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PAG 02 a 11 ADS <strong>53</strong>.qxp_Layout 1 22/3/22 21:01 Página 8 PREPARED TO INVEST IN SPAIN by Alberto Bertazzi We are in a special historical moment for many reasons, it’s a different environment that is not comparable to what we have experienced so far: COVID has changed and will continue to change our economy and the way we live and and relate. At this current moment, investing in real estate; particularly in homes for rent, continues to be the safest and most profitable, especially in Spain and more so in our Costa del Sol: the demand for both purchase and rentals is high and is constantly growing, making the value to rise at a reasonable and constant pace. The best tool to buy, and lower the cost of the investment, is still the mortgage loan: the new Spanish Mortgage Law, 5/19, entered into force 2 years ago, on June 16, 2019, has radically changed the regulations, adapting it to European guidelines, enhancing legal security and transparency, in favor and protection of the consumer. In addition, the costs of the operation are significantly reduced: now it is the Bank that pays the AJD tax on the mortgage, as well as the Notary, the Registry and Management; While the client only has the cost of the appraisal (an average saving of approx. 2,500-3.00 €) The Spanish banking market today is made up of more than 30 Financial Institutions and Banks, which are offering specific financing and mortgage products for the acquisition of properties: the offer is varied and complies with the rules and limits determined by the EU regulations. The most important thing to bear in mind is that interest rates have never been as low as they are now: the 12-month Euribor remains negative below -0.40% and close to -0.50%, and This allows to offer to the consumer, within a standard mortgage, both at a fixed and variable rate, to be the lowest in history: we are talking about the 1% interest rate conditions for mortgages for a primary home and 2-2.5% for mortgages for holyday or vacational homes . This means that, today, investment in rental housing, financing the highest possible % of the acquisition price, is the most profitable in the last 30 years: for this reason, many foreign investors are coming to Spain, especially from the Euro zone, with the possibility of combining a good investment with the privileged surroundings of sun and sea that our Coasts offer, and especially the area of Malaga and Marbella. From FCG, a mortgage broker, with more than 18 years of experience, we offer the prequalification process free of charge to all our clients: It’s the first -step when you are thinking of buying a home using a mortgage loan: the pre-approval process helps you determine exactly how much money you are qualified to borrow, as well as the terms you can be offered. And, while your pre-approval is not a binding agreement, it allows you the means to make an informed offer on a home. The process of obtaining a mortgage is long, and has loops after the pre-approval: today the average is 6 weeks, since the terms have been lengthened to guarantee more information and transparency to the consumer: for example before On 5/19 you only went to a Notary Public once, now you have to go 2 times, and within a minimum period of 10 days. The best thing is to be prepared, well organized, and advised by professionals. Alberto Bertazzi Director FCG - Mortgage Specialists (+34) 657 111 073 financeconsultingroup.com
PAG 02 a 11 ADS <strong>53</strong>.qxp_Layout 1 22/3/22 21:01 Página 9 FCG FINANCE CONSULTING GROUP MORTGAGE SPECIALIST FCG Finance Consulting Group • SPECIAL AGREEMENTS WITH THE BEST BANKS • WE GET THE BEST CONDITIONS IN THE MARKET • WE LOWER YOUR CURRENT INSTALMENT: CHANGE BANK AND PAY LESS EACH MONTH • WE OFFER INITIAL ADVICE FREE OF CHARGE AND NO COMMITMENT International - Moliere 36, 29004 Málaga - Spain info@financeconsultingroup.com 0034-657111073 0034-607924100 www.financeconsultingroup.com
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Page 13 and 14: Ref A9511 MANILVA 160.000€ Apartm
Page 15 and 16: Ref AP7006 TORREMOLINOS 244.000€
Page 18 and 19: Ref AP9414 BEL AIR 259.000€ Nice
Page 20 and 21: Ref AP7002 TORREMOLINOS 276.000€
Page 22 and 23: Ref AP24305 FUENGIROLA 295.000€ S
Page 24 and 25: Ref AP18421 ELVIRIA 299.000€ Prob
Page 26 and 27: Ref A15045 ESTEPONA from 310.000€
Page 28 and 29: Ref A15090 CALA DE MIJAS from 330.0
Page 30 and 31: Ref TH1115 ARTOLA 370.000€ Splend
Page 32: Ref A15092 BENAHAVIS from 385.000
Page 35 and 36: Ref A15070 SOTOGRANDE from 400.000
Page 37 and 38: from 405.000€ 2 - 3 1 - 2 from 78
Page 39 and 40: Ref TH9799 BEL AIR 420.000€ Wide
Page 42 and 43: Ref V3202 MIJAS 469.000€ Charming
Page 44 and 45: Ref A15095 LA CALA GOLF from 525.00
Page 46 and 47: Ref AP4531 COSTALITA 550.000€ SOL
Page 48: Ref V4339 CALAHONDA 600.000€ SOLD
Page 51 and 52: Ref V27254 MONDA 645.000€ Spectac
Page 53 and 54: Ref F6415 ESTEPONA 690.000€ Charm
Page 55 and 56: Ref PH7011 TORREMOLINOS 699.000€
Page 57 and 58: Has been carrying out installations
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Ref V3628 BENALMADENA 930.000€ Sc
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Ref V24301 MIJAS 995.000€ SOLD Tr
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Ref V24101 LA SIERREZUELA 1.189.000
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Ref V10416 ELVIRIA 1.595.000€ SOL
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NUEVA PORTADA SVEFORS REALTY ADS 51
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Svefors 53 Spring Summer 2022

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