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We have a selection of case studies, examples, comments and frequently asked questions on related 'Spanish Properties' and 'Properties in Majorca, Ibiza, Menorca, Tenerife, Gran Canaria, Lanzarote and Fuerteventura'.

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Currency Exchange - In August 2007 there was Jayne from Southampton, she was buying a property in Almeria, Spain. Her transfer was for a villa at £325, 000; a superb 5 bedroom villa with sea views. Her bank had frightened her with the exchange rate, so she decided to look elsewhere; fortunately she came to a brokers website. She was offered an exchange rate of €1.39 / £1; we were able to offer €1.41 / £1. This meant had she continued with the bank she would have realised €451, 750 - however fortunately the broker service could manage €458, 250; saving Jayne €6, 500 (£4, 600)

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Properties for Sale in Majorca - Margaret and her husband Roy were buying in the Majorca in December 2007; they were buying a 3 Bedroom apartment on a top class complex, swimming pool, bar, shops etc. The property in Majorca is expensive so a three bedroom apartment was priced at £265, 000. Newly retired they wanted the best deal on their currency exchange. Their bank had quoted €1.31 / £1 but the broker was able to secure at deal at €1.33 / £1. This meant the currency broker was able to save Margaret and Roy €5, 300 (£3, 900).

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Properties in Costa Tropical - Pilgrim father... and son
Jim Craig took the Camino less travelled from Portugal to Santiago de Compostela, but still found hospitality from locals and fellow pilgrims alike

Travel Home

By Jim Craig

Saturday July 12 2008

Stand in the spacious square of Plaza del Obradoiro in Santiago de Compostela and you will see foot-weary travellers from all parts of the world arrive at their destination, the great Romanesque cathedral of St James the Apostle.

They stand awestruck, smile, hug, dance or just burst into tears. They have arrived. They have achieved their dream. Through many trials and trails they have reached their destination. They have completed their Camino.

But why do they put themselves through the tough treks that may have tested them physically, spiritually or mentally to reach this place?

There are as many answers to that as there are pilgrims on the road. In the Middle Ages, the three major places of pilgrimage were Rome, Jerusalem and Santiago de Compostela.

Rome still draws the crowds. Jerusalem is problematic. But even in this secular age, Santiago's popularity is increasing -- possibly because it retains more of the spirit of pilgrimage as a long physical journey, a time for reflection, the shared experiences and a deserved sense of achievement.

Legend has it that St James the Apostle, son of Zebedee, was executed by Herod and his body was brought to Galicia in a stone boat. His remains were discovered just in time to have him made the spiritual champion of the Catholic Spanish in their battle against the Moorish occupiers. Now, patron of Spain, he is said to be buried in Santiago's cathedral.

Today's travellers are following in the footsteps, literally, of millions who preceded them over the centuries to visit this shrine. Some undertake the Camino trail for religious or spiritual reasons and some just for the pleasure of the walk. They will see countryside and a way of life far from the tourist circuit. Each morning, they will set out with the hope that they will arrive safely somewhere that night.

They will learn that their needs are basic; water, food, shelter, a bed, a place to wash and health to continue.

The most popular route by far is the Camino Francés starting in St Jean Pied de Port, continuing over the Pyrenees and across the north of Spain for around 800km. In the summer, this route can become very congested. The demand for beds in the hostels can be as great as for sunbeds in the Costas. The full Camino Francés will take up to five or six weeks and dem-ands a good level of fitness.

A few summers ago, I went solo from Burgos to Santiago and covered 500km in three weeks. Tough but rewarding.

But why be a martyr when being a pilgrim will do? For a shorter, less demanding but most enjoyable Camino, try the Camino Portugués. At a steady pace, this route from Portugal's second city of Oporto to Santiago is manageable in less than two weeks. Follow the painted yellow arrows, which mark the Camino route, and you will get there.

My son Johnny and I walked from the cathedral in Oporto to Santiago over eight days without over exertion, so the full 240km length could easily be done in 10 or 11 days. Basic fitness, proper gear and common sense should suffice.

So, what is the difference between the French and the Portuguese route? Well, about 560km for a start. The length of the Camino Portugués makes it feasible to complete within the fortnight most people have for an annual holiday. The terrain is less difficult than the Camino Francés and the distances between stopping places generally shorter. Then there is the novelty of walking in two countries and comparing and contrasting the differences experienced en route.

We flew out from Dublin and decided to stay the night in Oporto. We planned to set off next morning from the city's Se Catedral and go all the way to Santiago's Cathedral on foot.

With the pilgrim's emblem, the scallop shell, on our rucksacks and hope in our hearts, we strode off for the long trek. Unfortunately, we were soon lost in the city and ended up taking a bus to the outskirts, picking up the yellow arrows to get on our way.

Late that evening we arrived at our hostel in the charming village of Rates. It is housed in a recently renovated building with a library, most mod cons and a museum, as well as three dormitories with more than 20 beds. There were three of us that first night; Johnny, myself and Stefan from Germany, plus a few mosquitoes. Not just a bed but a whole dormitory each. This was definitely going to be the road less travelled.

We were off early the next morning for an easy 16km to Barcelos, following the yellow arrows along busy roads and country lanes and passing harvest fields where whole families worked at the maize. From grandparents to children, all were toiling under the hot sun.

Over the Rio Cávado at Barcelinhos, then past a notice informing us that there had been a 14th-century lavatory there for the convenience of pilgrims going to Santiago. We knew we were out of the woods.

Barcelos was gearing up for Fiesta Nova and the villages and parishes from all around had each erected a decorative arch. Barcelos is the place of origin of Portugal's tourist mascot, the rooster, and he is seen everywhere here. The town has no hostel but the tourist office is most helpful in recommending places to suit all pockets.

After a good night's sleep in Barcelos we began a long, demanding, 34km journey to Ponte de Lima to find the fiesta in full swing. Great music, parades, stalls and thousands of revellers, but we had no place to stay.

However, luck was on our side. We got the last double room in the Hotel Imperio de Minho. That is one of the appeals of the Camino: heading off each morning not knowing what the day will bring or where you will end up each night. Just travel in hope.

The next day, after 17km through overgrown paths, thick pinewoods and steep climbs, we arrived at Silvia Castro's B&B. A double room with shower was €15 each and Silvia even did our clothes washing. She organised a lift for us to a bar for food and we were ferried back by one of the drinkers. In St James we trusted.

Our last day in Portugal brought us to Valenca, a popular tourist city with magnificent moats and walls built to protect locals against their neighbours, the Spanish. Across the bridge, over the Rio Minho, and we were in Spain in the province of Galicia. At the end of the bridge is Tui, with its unusual fortress -- like a cathedral with sheltered cloisters and well-kept gardens. Well worth a visit.

Galicia is Spain's Celtic province, where the rain in Spain falls mainly. The albergue (hostel) in the heart of Redondela is a wonderfully restored townhouse which we shared with a growing number of pilgrims. A party of 18 from Slovakia complete with their own chaplain had joined, but there was still no pressure for beds -- unlike the places on the Camino Francés approaching Santiago from the east.

Next stop Pontevedra, with its purpose-built albergue and delightful medieval city centre with tapas bars, cafes and buzzing squares in the evening. An easy walk by woodlands and paths north to Caldas de Reis, over the Roman bridge, and into this little spa town to ease our weary feet. Blisters, causes and cures are a constant topic among the walkers, a change from talking about the weather. The consensus was that Compeed plasters and ointment were best.

Our last stop before Santiago was Padrón. Its main claim to fame is that it is the place where the stone boat carrying St James' remains is said to have been tied up. There is replica of the Roman mooring stone by the river. The original is in St James' church nearby.

If the leaving of Oporto was tricky, the entry to Santiago was less than triumphant. We spied the twin spires of the cathedral but lost the yellow arrows and went totally adrift in a massive new road development site amid diggers and bulldozers. Eventually, and several extra kilometres later, we entered the great Plaza in front of our destination. Tired, relieved and mildly elated, we had arrived.

Mission accomplished.

At the cathedral we observed all the pilgrim rituals. We embraced St James' statue and viewed the casket of his relics. We stayed for the beautifully-sung pilgrims' Mass at noon and gasped as the huge incense burner, the Botafumeiro -- used over the years to kill the smell of the travellers -- swung across the transept. We presented our fully stamped-up Pilgrim's Credential and were awarded our Latin Compostela, certification of our successful journey. We ate at the pilgrims' favourite cafe, Casa Manolo, at €10 for three courses.

The Camino Portugués is shorter, more relaxed and really user-friendly. The local people en route are kind and supportive. We were given statuettes of the Barcelos rooster. We got free pastries with our coffee in a wayside cafe. Harvesters called us over and gave us bunches of grapes and apples.

We were stopped and asked about our specially-printed Irish T-shirts and encouraged on our way by waves and cars tooting horns.

Though fewer than on the Camino Francés, the other pilgrims were like Chaucer's friends; an interesting mix. Ours ranged from devout believers to non-believers to New Agers, who seemed to believe just about anything.

There was not such a diversity of nationalities on this Camino. It was mainly Germans, a few Portuguese and the big group from Slovakia enjoying their new-found freedom to travel and the joys of budget airlines. We became particularly friendly with them and gave them a small plaque of the Derry City coat of arms and they gave us a little bust of an angel. Of such little gestures are lasting memories formed.

The Camino took us into pine woods, eucalyptus forests, along dusty tracks, up steep inclines, over medieval bridges and onto Roman roads. We strolled over modern highways, along riversides, in and out of farmyards, villages and towns. Sometimes Johnny and I walked and talked; sometimes we just walked. But we saw a way of rural life largely unknown in Ireland today.

We shared time together and enjoyed music, culture, food, architecture and had experiences other holidays don't reach. Just follow the yellow arrows and take to the Camino less travelled.

Buen viaje.

- Jim Craig
 

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Property News - Thinking of buying a house in Spain? The Spanish property market is a thriving, but complex, sector and more and more non-residents are taking advantage of low interest rates in Spain and reasonable house prices.

However, it is very very important to consider all the possible pitfalls involved in purchasing property in Spain. This section is designed to help you to do so.

There are many reasons to live in Spain, and lots of benefits to be got out of making a wise property purchase here. But, as is the case in any big, profitable sector, there are also alot of sharks swimming around in the real-estate sea, dying to get their jaws around that sales commission. So be very very careful, make sure you read as much as you can about how to protect your rights and your investment before taking the plunge.

Spanish promoter took buyers' money before obtaining building permits - Martinsa took money from buyers without obtaining building permission

Following the announcement last week that one of Spain´s largest construction companies, Martinsa-Fadesa, cannot repay its debts, certain irregularities have come to light regarding the contracts property buyers were asked to sign with the company.

More than 12, 500 families that have signed contracts with Martinsa-Fadesa are now waiting to see if their properties will be completed or not and many are in the do not know whether they will be able to claim back money paid in advance as it has emerged that a lot of money was paid before any official deeds were drawn up.

The lawyers dealing with claims from buyers have already detected a number of irregularities which may place buyers in a vulnerable situation regarding the legality of contracts. The company of lawyers, Ofilegal, has been the first to set up an association for those affected by Martinsa-Fadesa. Ofilegal says that the contracts it has seen so far are ´poisonous´.

According to Ofilegal, Martinsa-Fadesa took money from buyers without first obtaining the necessary building permission. In one case it received money from buyers for a promotion of properties, Colmenar Viejo (Madrid), from 2004 onwards despite the fact that building permission was not granted until 2006 when some buyers had already paid up to 40, 000 euros each.

Ofilegal says that many people are not aware that money paid in advance is insured which guarantees that money is repaid if contracts are broken. However, in some cases the guarantee is about to run out which would make it virtually impossible to recover any money already paid to the company.

Other problems for buyers is that Martinsa-Fadesa has signed contracts with landowners offering them a certain number of properties when building work is completed. However the land is only fully signed over once building work has been completed within the timescale agreed. If work is not completed on time the landowner can reject the contract and Martinsa-Fadesa would in this case lose the land (and buyers their potential new home).

Another serious irregularity has been discovered in a subsidised housing project in Móstoles, Madrid. In this case Martinsa-Fadesa forced buyers to create an owners association (communidad de propietarios) and pay money into it. Up to a million euros was deposited in the association and it has now been discovered that the administrators of this association who are linked to Martinsa-Fadesa have already spent 500, 000 euros.

Martinsa Fadesa is also currently negotiating with unions over the redundancy conditions of 234 of its employees, a quarter of its workforce. Unions have asked the company for further information on the locations of those affected by redundancy. CCOO will demand that Martinsa-Fadesa presents a viable plan for the continuation of the company and maintenance of its workforce and UGT will ask for access to documentation. UGT has also informed the Ministry for Work of its concerns regarding the situation of workers in companies that have been subcontracted by Martinsa-Fadesa and has asked for them to be inspected.

Courtesy: euroresidentes.com

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PROPERTIES FOR SALE SPAIN

Scroll below... For more SPANISH PROPERTIES Case Studies, Examples and Frequently Asked Questions

PROPERTIES FOR SALE IN SPAIN continued...

PROPERTIES FOR SALE SPAIN

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Properties in Costa Tropical - Pilgrim father... and son
Jim Craig took the Camino less travelled from Portugal to Santiago de Compostela, but still found hospitality from locals and fellow pilgrims alike

Travel Home

By Jim Craig

Saturday July 12 2008

Stand in the spacious square of Plaza del Obradoiro in Santiago de Compostela and you will see foot-weary travellers from all parts of the world arrive at their destination, the great Romanesque cathedral of St James the Apostle.

They stand awestruck, smile, hug, dance or just burst into tears. They have arrived. They have achieved their dream. Through many trials and trails they have reached their destination. They have completed their Camino.

But why do they put themselves through the tough treks that may have tested them physically, spiritually or mentally to reach this place?

There are as many answers to that as there are pilgrims on the road. In the Middle Ages, the three major places of pilgrimage were Rome, Jerusalem and Santiago de Compostela.

Rome still draws the crowds. Jerusalem is problematic. But even in this secular age, Santiago's popularity is increasing -- possibly because it retains more of the spirit of pilgrimage as a long physical journey, a time for reflection, the shared experiences and a deserved sense of achievement.

Legend has it that St James the Apostle, son of Zebedee, was executed by Herod and his body was brought to Galicia in a stone boat. His remains were discovered just in time to have him made the spiritual champion of the Catholic Spanish in their battle against the Moorish occupiers. Now, patron of Spain, he is said to be buried in Santiago's cathedral.

Today's travellers are following in the footsteps, literally, of millions who preceded them over the centuries to visit this shrine. Some undertake the Camino trail for religious or spiritual reasons and some just for the pleasure of the walk. They will see countryside and a way of life far from the tourist circuit. Each morning, they will set out with the hope that they will arrive safely somewhere that night.

They will learn that their needs are basic; water, food, shelter, a bed, a place to wash and health to continue.

The most popular route by far is the Camino Francés starting in St Jean Pied de Port, continuing over the Pyrenees and across the north of Spain for around 800km. In the summer, this route can become very congested. The demand for beds in the hostels can be as great as for sunbeds in the Costas. The full Camino Francés will take up to five or six weeks and dem-ands a good level of fitness.

A few summers ago, I went solo from Burgos to Santiago and covered 500km in three weeks. Tough but rewarding.

But why be a martyr when being a pilgrim will do? For a shorter, less demanding but most enjoyable Camino, try the Camino Portugués. At a steady pace, this route from Portugal's second city of Oporto to Santiago is manageable in less than two weeks. Follow the painted yellow arrows, which mark the Camino route, and you will get there.

My son Johnny and I walked from the cathedral in Oporto to Santiago over eight days without over exertion, so the full 240km length could easily be done in 10 or 11 days. Basic fitness, proper gear and common sense should suffice.

So, what is the difference between the French and the Portuguese route? Well, about 560km for a start. The length of the Camino Portugués makes it feasible to complete within the fortnight most people have for an annual holiday. The terrain is less difficult than the Camino Francés and the distances between stopping places generally shorter. Then there is the novelty of walking in two countries and comparing and contrasting the differences experienced en route.

We flew out from Dublin and decided to stay the night in Oporto. We planned to set off next morning from the city's Se Catedral and go all the way to Santiago's Cathedral on foot.

With the pilgrim's emblem, the scallop shell, on our rucksacks and hope in our hearts, we strode off for the long trek. Unfortunately, we were soon lost in the city and ended up taking a bus to the outskirts, picking up the yellow arrows to get on our way.

Late that evening we arrived at our hostel in the charming village of Rates. It is housed in a recently renovated building with a library, most mod cons and a museum, as well as three dormitories with more than 20 beds. There were three of us that first night; Johnny, myself and Stefan from Germany, plus a few mosquitoes. Not just a bed but a whole dormitory each. This was definitely going to be the road less travelled.

We were off early the next morning for an easy 16km to Barcelos, following the yellow arrows along busy roads and country lanes and passing harvest fields where whole families worked at the maize. From grandparents to children, all were toiling under the hot sun.

Over the Rio Cávado at Barcelinhos, then past a notice informing us that there had been a 14th-century lavatory there for the convenience of pilgrims going to Santiago. We knew we were out of the woods.

Barcelos was gearing up for Fiesta Nova and the villages and parishes from all around had each erected a decorative arch. Barcelos is the place of origin of Portugal's tourist mascot, the rooster, and he is seen everywhere here. The town has no hostel but the tourist office is most helpful in recommending places to suit all pockets.

After a good night's sleep in Barcelos we began a long, demanding, 34km journey to Ponte de Lima to find the fiesta in full swing. Great music, parades, stalls and thousands of revellers, but we had no place to stay.

However, luck was on our side. We got the last double room in the Hotel Imperio de Minho. That is one of the appeals of the Camino: heading off each morning not knowing what the day will bring or where you will end up each night. Just travel in hope.

The next day, after 17km through overgrown paths, thick pinewoods and steep climbs, we arrived at Silvia Castro's B&B. A double room with shower was €15 each and Silvia even did our clothes washing. She organised a lift for us to a bar for food and we were ferried back by one of the drinkers. In St James we trusted.

Our last day in Portugal brought us to Valenca, a popular tourist city with magnificent moats and walls built to protect locals against their neighbours, the Spanish. Across the bridge, over the Rio Minho, and we were in Spain in the province of Galicia. At the end of the bridge is Tui, with its unusual fortress -- like a cathedral with sheltered cloisters and well-kept gardens. Well worth a visit.

Galicia is Spain's Celtic province, where the rain in Spain falls mainly. The albergue (hostel) in the heart of Redondela is a wonderfully restored townhouse which we shared with a growing number of pilgrims. A party of 18 from Slovakia complete with their own chaplain had joined, but there was still no pressure for beds -- unlike the places on the Camino Francés approaching Santiago from the east.

Next stop Pontevedra, with its purpose-built albergue and delightful medieval city centre with tapas bars, cafes and buzzing squares in the evening. An easy walk by woodlands and paths north to Caldas de Reis, over the Roman bridge, and into this little spa town to ease our weary feet. Blisters, causes and cures are a constant topic among the walkers, a change from talking about the weather. The consensus was that Compeed plasters and ointment were best.

Our last stop before Santiago was Padrón. Its main claim to fame is that it is the place where the stone boat carrying St James' remains is said to have been tied up. There is replica of the Roman mooring stone by the river. The original is in St James' church nearby.

If the leaving of Oporto was tricky, the entry to Santiago was less than triumphant. We spied the twin spires of the cathedral but lost the yellow arrows and went totally adrift in a massive new road development site amid diggers and bulldozers. Eventually, and several extra kilometres later, we entered the great Plaza in front of our destination. Tired, relieved and mildly elated, we had arrived.

Mission accomplished.

At the cathedral we observed all the pilgrim rituals. We embraced St James' statue and viewed the casket of his relics. We stayed for the beautifully-sung pilgrims' Mass at noon and gasped as the huge incense burner, the Botafumeiro -- used over the years to kill the smell of the travellers -- swung across the transept. We presented our fully stamped-up Pilgrim's Credential and were awarded our Latin Compostela, certification of our successful journey. We ate at the pilgrims' favourite cafe, Casa Manolo, at €10 for three courses.

The Camino Portugués is shorter, more relaxed and really user-friendly. The local people en route are kind and supportive. We were given statuettes of the Barcelos rooster. We got free pastries with our coffee in a wayside cafe. Harvesters called us over and gave us bunches of grapes and apples.

We were stopped and asked about our specially-printed Irish T-shirts and encouraged on our way by waves and cars tooting horns.

Though fewer than on the Camino Francés, the other pilgrims were like Chaucer's friends; an interesting mix. Ours ranged from devout believers to non-believers to New Agers, who seemed to believe just about anything.

There was not such a diversity of nationalities on this Camino. It was mainly Germans, a few Portuguese and the big group from Slovakia enjoying their new-found freedom to travel and the joys of budget airlines. We became particularly friendly with them and gave them a small plaque of the Derry City coat of arms and they gave us a little bust of an angel. Of such little gestures are lasting memories formed.

The Camino took us into pine woods, eucalyptus forests, along dusty tracks, up steep inclines, over medieval bridges and onto Roman roads. We strolled over modern highways, along riversides, in and out of farmyards, villages and towns. Sometimes Johnny and I walked and talked; sometimes we just walked. But we saw a way of rural life largely unknown in Ireland today.

We shared time together and enjoyed music, culture, food, architecture and had experiences other holidays don't reach. Just follow the yellow arrows and take to the Camino less travelled.

Buen viaje.

- Jim Craig
 

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Properties for Sale in Spain - Ines and Kevin from Glasgow were buying a Duplex in Spain, January 2008; it was a strange scenario, they were renting before they bought. They had lived in Spain for approaching 11 months and had left their house sale money in their bank in Scotland. Because of their purchase they had been advised to use a broker. Rather than use the broker that the building company recommended, they had chosen to look on the internet. Fortunately they had found a Currency Broker. Most brokers can always beat a bank's quote, it isn't so easy to beat another broker. The Currency Broker saved Ines and Kevin €1, 300 Euros over another broker, but nearly €6, 200 Euros against the banks.

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Properties for Sale in Tenerife - Natalie and Kevin from Blackburn were transferring two amounts over 3 months. They were buying a property off plan in Tenerife. Their first payment was a deposit of €16, 500 and then a final payment of €149, 500. Their first payment was in a period during 2007 when (February) the exchange was good, but by May the rate had changed down a little. However their first bank quote for the first transfer was €1.43 / £1; the broker was able to beat that quote and consequently because of their disappointment with their bank they didn't even get a quote for the second transfer. But the currency broker estimated we saved them €4, 100 which is approximately £2, 800

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PROPERTIES FOR SALE SPAIN

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Spain - Andalucia - Wednesday, July 23, 2008 - Latest figures for foreign tourism in Spain - Number of foreign tourists visiting Spain this year increases

The sun and beaches continue to attract foreign tourists to Spain. In the first 6 months of this year the number of foreign tourists visiting Spain went up by 2.6% to 26.6 million compared to figures for the same period last year.

According to the Survey on the Movement of Tourists published today by the Ministry for Industry, Tourism and Commerce Spain received 5.7 million foreign tourists which is 0.7% less than for the same month in 2007.

Catalonia is the most popular destination for foreign tourists and received 6.6 million tourists between January and June this year which accounts for 24.8% of the total followed by the Canary Islands which received 4.7 million tourists (15.6% of the total). Andalucia was in third place with 3.7 million foreign tourists (14.1% of the total). The Comunidad Valenciana received 2.6 million foreign tourists (10.1% of the total) and the Comiunidad de Madrid received 2.3 million foreign tourists (8.7% of the total).

The survey found that 7.3 million tourists were from the United Kingdom (27.5% of the total) which is 1% more than for the same period last year. Germany is in second place with 4.7 million of its citizens visiting Spain during the first 6 months of this year which is 2.8% more than for the same period last year. French visitors numbered 3.6 million and Italians visiting Spain number 1.5 million.

Out of all the foreign tourists visiting Spain this year between January and June 18.4 million tourists visited independently (7% more than for the same period last year) and the number of tourists visiting Spain which were not on package tours continued to decrease. In fact the number of tourists coming on package tours went down by 6.8% during this period.

Arriving by air continued to be the most popular form of travel with 20.9 million tourists arriving this way (78.5% of the total) an increase of 2.8%. The preferred type of accommodation continues to be hotels (65.9% of the total) which is an increase of 3.8% while the number of people not staying hotels remained the same at 8.8 million which is the same as 2007.
 

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