Property ownership in Spain can involve both bare ownership and usufruct. When one person holds both rights, this is called full ownership. Understanding how these rights work together is essential for anyone buying, selling, or inheriting property.
A purchase agreement is one of the most common contracts used in business and daily life. Whether you are buying or selling, understanding its key elements and obligations helps ensure a smooth and legally secure transaction. Here’s what to include and how to draft it correctly.
When evaluating an investment, two essential financial indicators stand out: NPV (Net Present Value) and IRR (Internal Rate of Return). Both measure profitability but in different ways—one in monetary terms, the other as a percentage. Here’s what they mean, how they’re calculated, and when to use them.
Retirement raises important questions about how pensions are taxed in Spain. The IRPF withholding system applies to most pensions, but the rate depends on income level and personal circumstances. This guide explains the withholding table, exemptions, and filing obligations so pensioners can understand their tax situation.
Moving to a new home comes with many tasks, and one that’s easy to overlook is updating your address with Social Security. Keeping your details current is crucial for accessing benefits and avoiding administrative issues. Here’s how to update your address quickly, either online or in person.
Many people wonder if six months of work is enough to qualify for unemployment benefits. While six months won’t get you the full benefit, you may still be eligible for assistance. Here’s what you need to know about your rights, entitlements, and next steps.
Whether you're planning for retirement or applying for unemployment benefits, knowing how many days you've contributed to Social Security is essential. Here’s a guide to understanding what counts, what doesn’t, and how to check your work history easily.
Many homeowners miss out on valuable tax benefits simply because they don’t understand how “primary residence” is defined. Whether you're claiming deductions or planning to sell, knowing the rules can save you money and hassle.
VAT rules for food and hospitality can be confusing—especially when different rates apply to different products and services. From what rate applies in restaurants to when VAT is deductible, this guide breaks down everything you need to know.
