It is vital that you are aware of your homeowner’s insurance coverage for pet damage if you have a pet. In addition, this is considered a very important issue that can help you to have financial protection in case of an accident. In fact, in Spain, the law provides that pet owners are responsible for the damages caused. In the…
Joint ownership, also known as common ownership or common property, has different individuals in charge of the same property. The property can be divided in different ways, but usually each owner has a percentage of the property. In the following lines we will discuss the division of common property and the right of use. Division of a common thing When…
In order to claim the maternity allowance, it will be necessary to comply with a series of requirements, which had not changed until recently. Royal Decree-Law 3/2021 establishes the regulations for the reduction of the gender gap in social and economic security. The recognition of men to receive an additional percentage to their retirement for paternity is a significant fact.…
Expungement is a procedure that takes place when a person has completed his or her time of conviction without reoffending. One of the most frequent cases in which it is used is in the prohibition of approaching the victim or restraining order. Depending on the sentence received, there are different deadlines for expungement, which are regulated by Articles 136 and…
If you are a civil servant you can take advantage of special conditions in mortgages for civil servants that will help you finance the purchase of your home. Read on! In the following lines we will take a closer look at some of the special mortgage conditions available to you that you can avail yourself of as an officer. Mortgages…
The variable mortgage is a loan that is part of the instruments used by users to access a property, such as a home. Because of its usefulness, it is common to notice many people requesting this type of financing to guarantee the fulfillment of a purchase commitment. In view of its importance, in the following lines we will tell you…
The mortgage for a second home is viable even if the mortgage for the main residence is active. Many people have the option of buying a new apartment without selling the one they already own. If you are one of them and want to know how to manage a second mortgage and its requirements, be sure to read on. What…
The cadastral value is associated with the purchase and sale of farms and other real estate, even the amount of various taxes depends on this value. That is why it is important to know this valuation in order to have a real estimate of the price of a property. Below we will see what this value is, how it is…
The fixed mortgage is a legal figure that guarantees the fulfillment of certain contractual obligations contracted between two or more parties. We are talking about real estate loans, among others, where the house itself to be acquired, or some other, serves as collateral for the creditor on behalf of the debtor. In this type of financing, a determined payment in…
Taking out a mortgage is a very important form of credit in today’s society. It is a financial product that you should know well in order to enjoy the benefits it offers. In this sense, there is a universal protocol for the initial procedure that includes a series of requirements that allow for guarantees and understanding between the parties. It…
