Spain. Spain Live and Invest Overseas,
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1 Spain Spain 2012 Live and Invest Overseas, 2013 Live andinc. Invest Overseas, Inc.
2 At A Glance Population 47 million Official Language Spanish plus co-official regional languages of Catalan, Basque, Galician, and Aranese Currency Euro (1 euro = US$1.33) GDP per Capita (PPP) $29,289 (2012) Climate Mediterranean, Maritime, and Continental Natural Hazards Minor drought & flooding Government Parliamentary Monarchy 2012 Live and Invest Overseas, 2013 Live andinc. Invest Overseas, Inc.
3 Cost of Living Rent HOA Fee Property Taxes Transportation Gas (bottled for cooking) Electricity Water (inc. in apartment fees) Telephone (inc ADSL, TV) Internet Cable TV Household Help Food Entertainment Health Insurance (AARO Hosp Plan) Travel Miscellaneous Total Monthly Expenses US$ inc US$2, Live and Invest Overseas, 2013 Live andinc. Invest Overseas, Inc.
4 Property Costs Rent from US$450 to...the sky s the limit. Location, elevators, natural light, heating, and furnishings, all influence the price. Buy for US$70,000 and Up... National average 2,013 euros per square meter Basque Country 3,277 (n) 2,702 (u) Cantabria 1,777 (n), 1,769 (u) Galicia (Coruña) 1,423 (n), 1,249 (u) Murcia 1,291 (n), 1,171 (u) Valencia 1,594 (n), 1,226 (u) Cádiz 1,755 (n), 1,539 (u) Balearic Islands 2,270 (n), 1,851 (u) Canary Islands 2,220 (n), (u) Barcelona 2,533 (n), 2,232 (u) Madrid 2,095 (n), 2,293 (u)
5 Spain s Top Banks Spain s top 8 banks and their real estate divisions selling repossessed properties 1. Banco Santander Real estate division is Santander Altamira Real Estate: 2. BBVA Real estate division Vivienda: 3. Banco Popular Real estate division Aliseda Gestión Inmobiliaria: 4. Banco Sabadell Real estate division Solvia Gestión Inmobiliaria: 5. Banesto Real estate division: 6. La Caixa (Spain s biggest savings bank) Real estate division Servihabitat, branch offices, and select estate agents Caja Madrid Real Estate division: 8. Caixa Catalunya Real Estate division :
6 Spain Pros Climate the best in Europe Natural diversity Wealth of culture Open, friendly, tolerant people Affordable cost of living International schooling options Healthy Mediterranean diet Outdoor lifestyle Lively city life Good private medical care
7 Spain Cons Climate some areas (Madrid) are very hot in summer and freezing in winter Noise pollution in cities Evening entertainment very late Poor customer service Slow government services Public schooling may be taught in co-official language Sometimes lackadaisical attitude
8 Residency Visa Options: Resident s visa I.Temporary: for a period of 90 days to 5 years II.Permanent: after having held a temporary visa for 5 years. Renewable every 5 years. Work visa Student s visa NEW Residency through Real Estate: In the near future, Spain plans to offer foreign investors permanent residency with a 160,000 euro real estate investment.
9 Medical Care Overall standard good... English-speaking doctors in most hospitals Primary care available in all towns Alternative practitioners in some regions... Prescription drugs can be a bargain and often available over the counter Private healthcare insurance highly recommended - private healthcare is expensive.
10 Taxes Double taxation treaty with U.S. Income tax payable on worldwide income if resident in Spain You are a tax resident if: I. You live >183 days per year in Spain II.Your household lives in Spain III.Majority of revenue is generated in Spain/ assets are in Spain Income tax bands range from 25-52% Taxes vary by location (in Catalunya the top-tier pays 56%) Local taxes payable to town hall vary by region: average euros.
11 More Taxes Capital gains tax rate is 21-27% Savings taxed at 18%... Sales tax (IVA) rate is 4% reduced rate/ 21% standard rate Wealth tax (reinstated for 2011, 2012, 2013): From 0.2% to 2.5%... New autonomous region tax There are tax allowances and deductions for residents that vary according to the individual s personal situation.
12 Accessibility Direct daily flights from the U.S to Madrid, Barcelona, Malaga Several low cost airlines to the rest of Europe High speed train service to France Ferry service to UK, Morocco, Algeria, Balearic, and Canary Islands Very good, extensive road network within Spain and to France/Portugal - few tolls
13 Retiree Benefits No specific benefits for non-europeans But... The lifestyle is healthy, relaxed, outdoors and slower than U.S. There s an active community of international retirees Expat groups in the Spanish Costas and Islands
14 Recreation A water sport enthusiast s heaven with both Mediterranean and Atlantic coastlines, Canaries and Balearic Islands Sailing, fishing, surfing, diving... Golf, skiing, hiking, riding, tennis Great nightlife in all cities High-brow culture Inexpensive tapas bars!
15 Is Spain for you? Spain is so diversified...there is a place for every type of expat from a retiree to a couple with children. Key to a happy life in Spain is finding the area that suits you... Culture vulture...barcelona, Seville, Madrid Sun, sand, and sea...the Costas Green and seasonal...northern Atlantic Coast
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