Analysis

How to know the real price, who pays what, and which papers and taxes apply.

Monthly purchases, what they cost and the real case of €200 a month since 2023.

How it is valued, what is declared for Inheritance Tax and what happens for income tax when you sell.

Signs that a gold offer is a con, what to check before paying and which steps to take if you have already sent the money.

Who signs, exactly what you are buying, what the price covers, who you pay, where your gold is kept and how you get out. A checklist for gold purchase contracts in Spain.

999.9 purity, the LBMA Good Delivery stamp, the certificate and traceability to buy authentic gold held in your name.

Formats, the 21% VAT, the gold/silver ratio, custody and when it makes sense.

What the spot price is, what moves it and the premium you overpay when buying physical.

Investment gold carries no VAT in Spain; silver does. What counts as investment gold and why.

Premium, liquidity, divisibility and security: which fits best depending on how much you invest.

Allocated or unallocated gold, deposit and insolvency in Spain: when gold held by a company is really yours and what evidence proves it.

Home safe, safe deposit box or professional custody: advantages, risks and insurance.

Gold kept at home is not declared on your Spanish income tax return. The gain is taxed when you sell. When it counts for wealth tax, what about gold abroad, and which papers to keep.

The rise in the gold price is not your gain. How to work out the real capital gain on your gold: what you paid, what you receive, tax and inflation.

Gold is bought without VAT, but selling it at a profit is taxed under personal income tax (IRPF).

Formats, taxation, certification, storage and the five most common mistakes of the retail investor.

The historical behaviour of gold against inflationary periods and monetary debasement.

When one heir keeps the flat and pays the others: how it is done, the taxes involved and what happens if there is no agreement.

You have inherited but have no cash to pay the tax. The options in the Valencia region, the deadlines that apply and the mistakes to avoid.

The inheritance does not expire, but Spanish inheritance tax had a deadline. What is time-barred, what surcharge applies if not, and why the deed is still needed.

You have missed the six-month deadline for inheritance tax in Spain. What surcharge you pay, why you keep the 99% allowance if you move first, and what to do today.

Your brother will not sell the flat you inherited. What you can do, from least to most conflict: negotiate, sell your share, divide the estate or go to court.

One heir won't sign or won't answer and the estate is stuck. The 30-day notarial demand, the court or notary appointed partitioner, and how not to miss the tax deadline.

Certificates, notary, registry, Inheritance Tax and municipal plusvalía: what you pay, when and who pays it.

Why you need it, where to apply (consulate or Spain), documents, timing and applying through a representative.

What happens to the debt, life insurance and the tax, and the four ways out: pay, sell, renounce or accept under inventory.

What you can do yourself, what is worth delegating and when going it alone costs more.

What changes depending on where you buy: premium over spot, invoice, certificate, custody and buyback.

Krugerrand, Maple Leaf, Philharmonic, Britannia and Eagle compared: purity, premium, liquidity and which to pick.

What 24, 22, 18, 14 and 9 carats mean, the fineness each one equals, how to read the hallmark and why it matters when you buy or sell.

The quoted price is not what you pay. What the premium is, what drives it and how to compare two gold or silver offers without fooling yourself.

From the ounce in dollars to the gram in euros, the difference between 24, 22 and 18 carat, and why cash-for-gold pays less.

What you actually buy in each case, taxation, costs, liquidity and counterparty risk. Which one fits your goal.

The €1,000 cash limit, when you are asked for ID and why an invoice in your name protects you when you sell.

Structural differences, the gold/silver ratio, liquidity and the investor profile suited to each metal.

An institutional reading of the largest reserve accumulation in five decades and what it signals to the investor.

The lease continues, the tenant has a right of first refusal and the price changes. Your three options.

Charges, the land registry filing, occupancy and unpaid community and property-tax debts: the review you must do before bidding.

Where they are bought, how the operation is structured and the due diligence before investing.

Where to find them, how to buy them step by step and what to check before signing.

How the return on a defaulted loan is calculated and what the real margin depends on.

How the tax agency's auctions work, the deposit and what to check beforehand.

Breaking-in vs usurpation, the criminal and civil routes, real timelines and the mistakes that prolong an eviction.

Which charges are cancelled and which survive, the land registry extract and the property-tax and community debts you don't see.

Withdrawal, confirmatory or penalty deposits: what happens if one side pulls out and what to check before paying a deposit on a flat.

A claim from the bank or an auction already announced: what can be done at each stage, until when it can be stopped and what happens to any debt left over.

If the flat is the debtor's main home, the award price, the costs and the eviction all change. What to check before buying a loan.

How much you must deposit to bid, how to lodge it, when it is refunded and in which case you lose it.

The process on the BOE portal, the deposit, the bid and the risks to review.

Why they are cheap, the types of occupancy and the legal routes to recover it.

The three alternative real estate investment routes explained: capital, timelines, risks and profiles.

Your bank has sold your mortgage to a fund. What really changes, what rights you keep and which ways out you can negotiate, from a discount to handing over the keys.

When a debtor can extinguish an NPL by paying the assignment price (article 1535 of the Spanish Civil Code), what the Supreme Court says and what the buyer recovers.

Nobody bids at the auction. What article 671 of the Spanish Civil Procedure Act says after the 2025 reform, what happens to the debt and why a deal is usually better.

You won a flat at auction and it is still occupied. How to ask for possession, what happens with the former owner or a tenant, and what not to do.

You can hand your home to the bank in Spain to clear the mortgage if the lender agrees. When it has to, what each side gains and which taxes apply.

The taxes you really pay when buying a bank-owned flat in Valencia: transfer tax or VAT, stamp duty, mortgage, notary, community fees and IBI, with a 150,000 euro example.

How the defaulted-loan market works and why these discounts on face value exist.

One of the least-known real estate operations and, well structured, one of those with the highest potential margin, with its risks.

The property after the auction: how banks manage it and what opportunity it offers the investor.

When you can apply, how to do it online, in person or by post, what it costs and what you do with it.

The documents the bank asks for, how to pay the funeral and the tax with that money, and how long it takes.

One sibling lives in the inherited house and pays nothing. What you can claim, what you cannot, and how to get out of the situation.

Buying out the share, award with compensation, sale to a third party or court division, with their costs.

How to check it, when it works against you and what to do if it exceeds the real value of the home.

Open, closed or holographic, what a notary charges and why it saves heirs conflict and tax.

Form 650, the 6-month deadline, the tax representative and double taxation for heirs abroad.

What the price depends on, the fee models and the option of paying out of the inheritance itself.

The 95% reduction, the family protocol and a structure to pass on the business without breaking it.

Reliefs for relatives, how it is calculated and the income-tax trap when making a gift.

If the estate has debts, how to accept it without risking your personal wealth. Timelines and steps.

What the surviving spouse is entitled to even when there are children, bare ownership and how the usufruct is commuted.

When there is no will, the law decides who inherits. Legal order, steps and timelines.

Inheritance tax, municipal capital gains tax and income tax: the taxes on selling and how to reduce them.

Phases, real timelines and what delays or speeds up the distribution of an estate.

How each option is taxed in the Valencian Community and the income-tax trap.

What it is, how it has been calculated since 2021 and when you don't have to pay it.

What part of your estate you cannot distribute freely and why.

Waiving "so that my sibling keeps it" is not waiving: it is accepting and gifting, with two taxes. How to do it properly.

The three routes under the Civil Code, their definitive effects and the mistakes that compromise personal wealth.

The 99% Group II relief, calculating the base, household goods and common mistakes in the assessment.

Gifts, wills, life insurance and wealth structures to optimise the transfer.

What we see repeated in families who come too late, poorly advised or without having taken an inventory.

ITV intervals by vehicle type and age, the fine if it lapses, how to take it early without losing days and which formalities you can still do.

Twenty days to choose between paying at a discount and contesting, one month for an administrative appeal and two months for court. When appealing a fine is worth it and when it is not.

Lost or stolen car registration certificate in Spain. How to get a duplicate, what it costs, how long it takes and what happens if you are stopped without it.

How to check your points in Spain, how to get them back with two clean years or a course, and what happens if you run out.

Which DGT label your car has, whether you must display the sticker and whether you can drive into Valencia without one today. With the rule behind each point.

You cannot drive on an expired Spanish licence, and the fine is €200. How long the licence lasts, how to renew it without a test and what to do if you are abroad.

Six months if your licence is from outside the EU, no limit if it is European and valid. Which countries can exchange, what you need and how it works in Valencia.

Gifting a car to your child is taxed under Gift Tax, not Transfer Tax, and the person receiving it pays. In Valencia it is usually zero if signed properly. How it works.

When you move in Spain you have 15 days to give Tráfico your new address as a driver and for your car. It is free. What happens if you do not, and how it affects road tax.

What an international driving permit is, which countries ask for it and which do not, how to apply at the DGT in Spain, what it costs and what happens in the USA.

A fine can become final without you receiving a letter. How the Traffic Office notifies, what the official notice board is and how to check for outstanding fines.

The filing that protects you from fines and road tax from the day you sell the car: deadline, fee, documents and how to submit it.

How the notice of sale protects you and what to do if fines for a car you no longer own are already arriving.

The 90-day deadline, documents, DGT fee and what to do while it is unclear which heir keeps it.

You paid for the car and it cannot be transferred because of a retention of title, a seizure or an immobilisation order. What each one is and how to clear it.

Which report to request, how to read charges and the ITV, and what to do if the car has a seizure.

What the buyer pays, what the seller must do, deadlines, buying from a dealer and how to avoid fines.

Paperwork, deadlines, transfer tax and who is liable for fines: how to change ownership without surprises.

What each type authorises, the company requirements and the periodic renewal to operate legally.

German documents, transport, taxes and registration in Valencia, in the right order.

New or used, dealer or private, EU or not: when VAT is due in Spain and when it is not.

When you must register, the registration tax exemption for moving residence, and the documents you need.

Customs, duty and VAT, type-approval, right-hand drive and British documents for registering in Valencia.

Type approval, import roadworthiness test, registration tax and road tax: the steps and their order to register without errors.

When to choose each, what happens with road tax and insurance, and how to stop being liable for the car.

The four types of card, who each is for and how to apply for or renew it in time.