Frequently Asked Questions
Frequently asked questions
False. Spain as a country offers a range properties and areas catering to various budgets and lifestyles regardless of your budget. Depending on your profile, we always make sure to recommend an area and range of properties that best suit your demands without risks.
Respectively, the housing market in Spain actually gives you a high value to price ratio with incredible nature and climate compared to other European and American luxury markets.
Our recommendation is choosing trust, over chaos. Normally to get an adequate range of properties and areas in Spain, you need run around and ask 10 different agencies to get the right comparison. And then you need to make sure the local agent is not biased in his area as to risk your understanding of properties in other nearby or further areas that you would’ve been much better for your needs.
And then you need to find all the different service providers like lawyers, gestorias, banks, translators etc to complement the agency.
One clear distinction when choosing us as your trusted partner is that you skip all the above and get over 250 agencies worth of access and 6 departments of service with multilingual capacity without wasting time browsing 18 websites and 21 agents before maybe finding the property you like.
The reality is that if you snooze you loose. Don’t pass opportunity in hopes of a tomorrow that may never come.
As a investors perspective: a owner that bought 6 months ago has already paid off 6 installments towards his property and is renting out short term and making 4-5 times his monthly payments in profit every month whilst the buyer that owns nothing has made 0.
With the right guidance and experts at your side you can save up to 2 months in processing time wether it may be in regards to property purchase, loan, investment or residency program.
Most time is spent communicating with government agencies so your best bet is to work with people that a standing history with these departments and can correctly and efficiently maneuver the process with you.
This way, the process is quite fast.
This is perhaps a decision that is more important than the property itself. For many of our buyers, it’s important that they are moving into an area that properly matches their habits, lifestyles, price range and expectations.
In Spain, prices vary massively area to area, it could be a difference of 10 minute drive but the prices of the same type of property are night and day.
If you want to come as close as possible to ticking all your boxes where you actually feel excited about the deal your going for then you need to have a experienced team that know each micro area and cities in each region, and based on your consultation give you the selections of property that we know will be the dream scenario specifically based on your profile.
Question about Raising capital for your business with our firm
Our office houses an investment banking department and HOLD.CO Alianza Capital AG, a private Swiss based venture capital firm.
By sending your business model or venture specification to our department, you can ask for a consultation on the possibility of raising the capital you need from our private investors or institutional banking partners.
Candidates must also specify the needed amount of money for the scope of their venture, with a valid reason of its use.
Examples of ventures we have funded include areas such as:
- Residential construction projects.
- Commercial cashflow assets.
- Neo-bank startups in the private sector.
- Business startups.
We understand that everyone has different goals in real estate. By enabling your capital in the right market, we have been able to partner with both accredited as well as private investors for the mutual benefit of the vested parties involved.
We value our capital partners and their time therefore we ask that all details of the venture aswell as the background of the beneficiary be organized pending our review for funding.
Upon receiving an offer, we demand the full due diligence of KYC and compliance documentation to be able to take the next step.
Depending on the asking capital this process takes a minimum of 3 months to a maximum of 12 months for the formulation of documents, presentation + compliance and capitalization offer.
It the most simple example, venture capital is the budgetary needs of a business to reach a specific threshold of success where returns are gratified in profit as well as the principal amount.
Most commonly, in the real estate sector we utilize structured layers of finance combined with the capital of the developer to get involved in a formalized residential project of their choosing. This allows the developer to leverage his capital into a much larger project and use the returns of the project itself to pay back the lender or investor instead of having to rely on his/her own credit.
These types of loans and capital participation are uniquely adapted to private market ventures. Commercial Banks rarely get involved in these projects as they deem it “high risk”.
Therefore our firm works with specialized fund organizations and family offices to secure the funding. These loans are typically more expensive that traditional mortgages, hence profitability is an important factor when considering new business ideas.
Clients may also opt for exchanging this funding for a traditional bank loan after securing the proof of concept to get a longer term or cheaper interest rate.
Typically this is negotiated upon consultation. However as a rule of thumb, capital needs below 1.000.000€ require a retainer fee of 10.000€ pending the success of your funding.
Capital needs of 10.000.000€ – 50.000.000€ require a retainer fee of 15-20.000€ pending success.
Anything above EUR 50.000.000 is negotiated individually.
If for any reason we fail to attain the needed capital for your needs then you are entitled a refund of 75% of the retainer.
It is important in noting that we rarely accept candidates that we dont feel we have a funding structure for before starting the process.
The directing officer of Alianza Capital – Jose Bernardo Mirelis Valderrama is an Oxford educated investment banker with 10+ years of experience in fundraising.
We are connected with over 2000 capital firms all around the world that specialize in various sectors.
You are entitled to your funding through a special vehicle company or SPV that is created in your name in the field of activity and regulation relative to the nature of your business.
This will be the company that is liable for the debt or share distribution including the vested capital as well as the stock capital of the beneficiary.
In other words, this company will receive the funding from the respective investor or institution.
From this company account, you can engage in the acquisition and payment of the necessary resources to carry out the designated business project intended.
Question about renting out your property
The most profitable way to rent out your property is to apply for a touristic license for your house and appoint a trusted management to take care of everything for you with transparent control from your phone.
Metalux offers you a convenient service via our joint venture company HAVEN where we will obtain the touristic license, market the property correctly, handle the booking along with any complication that will arise from them including per stay industrial cleaning, and insurance claims to fix anything that might break or be stolen from the property.
All this whilst you have full control and 24/7 communication via our app on your phone or computer to regulate the availability, see all income and costs, concierge services in preparation of your homecoming with a dedicated assistant for any other needs for your property when you are gone.
The reason our clients love this service is because in effect, they turn their house into an automatic profitable business when they gone, and a 5-star hotel when they are there.
Find out more about the HAVEN concept by reaching out.
This depends fully on where your property is located, how many rooms and amenities are offered and a host of different factors.
Our agents are instructed to always give you an estimation of income for any property you choose. For long term as well as short term.
For example a property valued 820.000 on the Costa Blanca racks in 10.000€ per month long term in Finestrat.
This number increases to around 15-17.000€ short term. Naturally, renting out short term is
The main things to look out for when renting out your property in Spain is centered around the risk of “Occupas” and having the correct documentation when renting out your property.
Renting out to tenants in Spain always brings with it the risk that the tenant overrides their rental contract with you and remains in the property for a indefinite amount of time as the Spanish housing regulation often favors the tenant rather than the owner.
Therefore, the documentation drawn for every long term contract needs to specifically safeguard your rights as the owner and keep the specific clauses and durations in check to make sure you avoid the risk of the tenant breaching the agreement and taking advantage of you.
Additionally, by making sure your tenant is adequate, we always recommend asking for a full KYC and identity confirmation.
If you need any guidelines for rental, our experts can help you without charge.
You are liable for profit tax which for expats is reduced to 15% the first year. And 21-30% thereafter depending on the income of your property.
For short term rentals you are solely responsible or paying all bills and amenities.
For long term rentals, the tenant will usually be responsible for paying the bills in Spain + any other community fees that are applicable.
If you have recently or newly acquired a residence in spain you are responsible for registering yourself in the Mercantile agency of the spanish government to declare your income status in Spain.
One efficient method we employ for our clients is that we also open up a business account for them so that any expenses or journey costs that may be applicable in relation to renting can be deduced from the income tax-free.
Reach out to our team if you want to be aware of how you can most efficiently generate a powerful income from your property whilst operating within the appropriate regulations and laws of the region.
In 2024, Spain officielly ranks as the worlds number 1 tourism attraction of all countries based on volume of tourists and money spent.
With 85 million annual tourists, it boasts fantastic short term rental opportunities for home owners.
The high season usually is regarded from the month of April – September, with the exception becoming the low season.
The incredible demand for both long term and short term rental is distinguished in spain, specially in the coastal areas.
Occupancy rates range between 65 – 94% collectively with the high season being the most busy.
The prices are approximately 20-40% more expensive per month in the high seasons. Many of our client opt to go for short term rental in the high season and ride the wave of tourists until they switch to long term perhaps for 6 months in the low season.
This depends on your circumstances and how efficiently you want to generate income from your property.
