The increase in the sale of homes as a result of the pandemic has not only affected the acquisition of first properties, but also second homes. Thus, he offers a series of tips for people who are interested in making that purchase.
1. Do I have enough money? Fotocasa explains that it is the first question to ask. Thus, you have to analyze how much money you spend per month, how much you have saved and if you have to ask for a mortgage, in which case the bank will grant you a maximum of between 60% and 75% of the appraised value of the property. In addition, you must demonstrate solvency.
2. Where should it be purchased? Depending on what for, one location or another should be chosen. If it is to use, obviously, the one that generates the most happiness, while if it is to rent or sell, it will be necessary to take into account which destinations are the most sought after for it.
3. How far from the habitual residence? To get the most out of your second home, the ideal would be to be able to enjoy it every month and not just on vacation. For this reason it is important that it is far enough from our habitual residence to be able to disconnect, but that getting there is easy, fast and as cheap as possible.
4. What costs does it generate? It is estimated that to meet the minimum consumption of electricity, water, gas and community expenses, around 2,000 euros a year are needed.
5. What tax do I have to pay? The taxation of second residences is different from that of a habitual residence. In fact, in the IRPF declaration, the equivalent of 2% of the cadastral value of the property must be paid, as well as the Real Estate Tax (IBI).
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