Hi - thinking of emigrating to Spain

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Hi - thinking of emigrating to Spain


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Old 28th January 2020, 08:47 PM
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Default Hi - thinking of emigrating to Spain

Hi everyone, my Wife and I are thinking of emigrating to Spain, my Wife’s general health improves greatly with the Sun and warmth. I realise that my questions might be a little too “general” but as I said we are at the very early stage.
We need to first find if we can afford to live there first, we are both retired and receive occupational pensions but not stage pensions yet (we’re 62 and 61) we will be able to fund the purchase of a house through the sale of our UK home but I need to have a (rough) idea of how much is costs to live in say the Costa del Sol.
I think our biggest monthly expense will probably be medical insurance, I understand this to be around 250€ a month? Is there a Spanish equivalent of Council Tax and if so, how much is that? What about utility bills, how do they compare with UK? How much is car fuel? Car tax?

As you can see I seem to have lots of questions and would be exceedingly grateful for any information which can help us on our journey.

Many thanks for taking the trouble to read this.

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Old 29th January 2020, 06:37 AM
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If you feel hard pressed financially then after next December living in Spain will probably not be doable due to higher financial living requirements. The very fact that you ask about Council Tax suggests you need a lot more research to get up to speed with things.To put it in a nutshell: Welcome to the Wonderful World of Brexit.

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Old 29th January 2020, 06:38 AM
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Oh and by the way if you were thinking of driving you would need to redo your driving test. In Spanish!!!

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Old 29th January 2020, 07:27 AM
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Quote:
Originally Posted by Getting Warmer View Post
Hi everyone, my Wife and I are thinking of emigrating to Spain, my Wife’s general health improves greatly with the Sun and warmth. I realise that my questions might be a little too “general” but as I said we are at the very early stage.
We need to first find if we can afford to live there first, we are both retired and receive occupational pensions but not stage pensions yet (we’re 62 and 61) we will be able to fund the purchase of a house through the sale of our UK home but I need to have a (rough) idea of how much is costs to live in say the Costa del Sol.
I think our biggest monthly expense will probably be medical insurance, I understand this to be around 250€ a month? Is there a Spanish equivalent of Council Tax and if so, how much is that? What about utility bills, how do they compare with UK? How much is car fuel? Car tax?

As you can see I seem to have lots of questions and would be exceedingly grateful for any information which can help us on our journey.

Many thanks for taking the trouble to read this.
Move now if you can. Rates are IBI , BIn collection Basura - I have a 2 bed townhouse in Garrucha, Almeria this year - IBI (council tax): 182.25€
Basura (bin bill): 75.4€ per quarter

electricitiy is quite expensive by Aus standards but speaking to my dad in uK about same
Paul
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Old 29th January 2020, 08:01 AM
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Costs for IBI bills vary a great deal between different areas so you really can't form a reliable opinion of what you might have to pay from examples given by forum members. My IBI bill for a 2 bed atico apartment (not in a coastal town) is €443 per year, quite a bit higher than the previous poster, but we don't have a separate rubbish collection charge in my local authority. Also the charges don't come within defined bands like Council Tax in the UK, the amount payable is different for each and every property within the same local area, depends on the exact size plus lots of other factors, eg properties in rural areas where fewer services are provided have much lower IBI bills than urban ones do.

Utility bills also vary a lot depending on individual usage and what type of fuel is used for heating, cooking and heating water. Piped gas is much less widely available than it is in the UK, especially in the South of Spain so lots of properties use bottled butane or propane gas. It's quite cheap to use but not so convenient as gas bottles have to be either delivered to the home or collected from a local outlet and reconnected to appliances whenever they need changing. Our property is all-electric and my lowest monthly bill during the past year was €48 and the highest €80 (lowest in summer and highest in winter due to heating costs). Standing charges for electricity are high compared to the UK and are based on how many kw you are contracted to be able to use at any one time, so you need to be able to get your head around being conscious of how many appliances you are using at the same time because if you exceed your contracted number of kw the electricity supply will trip just as if there is a power cut. Wood burning stoves are also popular for heating in the winter (and it does feel very cold inside many Spanish properties during the winter, even if its sunny outside). Remember that the temperatures plummet as soon as the sun goes down and it doesn't get warm until late morning when the sun is quite high in the sky.

Spain has said that after the end of the post Brexit transition period (ie after 31 December 2020) UK citizens moving to Spain will be subject to the general immigration regime, ie will be treated the same as all other third country citizens. That means early retired people such as yourselves will need to be able to show a regular income of €32k per annum for a couple in order to be granted a non lucrative visa, plus have comprehensive private health insurance with no co-payments involved.
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Old 29th January 2020, 09:00 AM
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Is there not a Spanish capital gains tax issue if you move to Spain this year and sell your UK home this year in that if you go through all the processes to register as resident you become Spanish tax resident this year?
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Old 29th January 2020, 09:08 AM
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Everhopeful: I fear we are about to enter into the residency/ tax thing again! Someone is going to start saying that it is all okay to come here apply for residency but only live less than 180 days and not have to pay tax/ CGT etc. But it needs to be made clear that as far as the Spanish authorities are concerned if you have become a resident then you are immediately liable for tax in spain if it appears you wish to make spain your home and therefore your principal financial base. That is the default position. If you want to argue the 180 day position you will need to be upfront with the authorities and prove spain isnt your place of primary financial interest.
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Old 29th January 2020, 09:09 AM
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Quote:
Originally Posted by EverHopeful View Post
Is there not a Spanish capital gains tax issue if you move to Spain this year and sell your UK home this year in that if you go through all the processes to register as resident you become Spanish tax resident this year?
All depends when you move.

If you move after June this year, then you probably won't be considered tax resident until NEXT year.

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Old 29th January 2020, 09:12 AM
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Because of the Brexit deadline people are panicking and trying to get residency then return to uk to sell houses and then not declare GCT by saying they are not spanish tax residents etc. I'm afraid the the Hacienda are not as stupid as people think. Last year people got rather nervous when letters were received re tax returns 2016. So be warned
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Old 29th January 2020, 09:45 AM
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I came to Spain in October 2016. I immediately tried to get residency but was refused on various grounds. I then employed a lawyer to try again. The lawyer told me to wait until after Dec 2017 as he pointed out that once I had residency I COULD be deemed a tax resident. He said if I wasnt registered I had 90 days where I could stay in spain but not be considered fiscally centred there. After Dec I got residency and was then deemed liable for spanish Tax. That is how it should done. Once you register as resident it is presupposed that spain is your principal centre of interest. If this wasnt the case there would be no need to have this caveat

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