RentingOctober 2026 · 14 min
How much can your rent go up? Until 31 December 2027, without a new agreement, 2% at most, under Royal Decree-law 29/2026, in force since 8 October and awaiting a ratification vote on 12 November. We explain the IRAV and the IPC, what happens if the contract says nothing, contracts signed before May 2023, seasonal lets and room rentals, examples with rents of €900, €1,200 and €1,500, and a template letter to notify the update.
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GuidesOctober 2026 · 11 min
Has your tenant stopped paying the rent? We explain what to do step by step in Spain in 2026: talking first and demanding payment by burofax, what the fianza (deposit) and extra guarantees cover, how eviction for non-payment works, what changes with the Housing Law and with Royal Decree-law 29/2026 (awaiting ratification on 12 November), how many evictions take place in Madrid according to the CGPJ and how to prevent non-payment before signing.
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Buying & sellingOctober 2026 · 10 min
Sign the sale of your flat in December 2026 or wait until January 2027? Using official sources, we look at what changes with the new year: the plusvalía municipal (local land value tax) and the decree awaiting a vote on 12 November, who pays the 2027 IBI property tax, the Catastro reference value, which tax return the sale goes in, the 4% transfer tax for buyers under 40 and special levies. With a summary table and a worked example.
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RentingOctober 2026 · 10 min
The Comunidad de Madrid’s rent aid (ayudas al alquiler), which pays 50% of a year’s rent, opened at the end of October in both 2024 and 2025. On 21 October 2026 there is still no 2026 call. We look at what to expect from past years, what may change with the State Housing Plan 2026-2030, the requirements (income measured against the IPREM, maximum rent by municipality, young people aged 18 to 35), the documents and how to apply without mistakes.
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GuidesOctober 2026 · 14 min
Selling your home and buying another at the same time is a delicate operation: sell first and you may have nowhere to live; buy first and you may be paying for two homes. We explain how to line up the deposit contracts (arras) and the deeds, which clauses protect you, what a bridging loan costs, how the main-home reinvestment relief works in Spanish income tax, plus a week-by-week timeline and a worked example with Madrid figures.
Read articleBuying & selling October 2026 · 6 min
You don’t have to move to Madrid for three months to sell a flat. This is how a sale works when the owner lives in London, Berlin or Dubai, and the decisions you need to make early.
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GuidesOctober 2026 · 11 min
In 2026 the Community of Madrid's Mi Primera Vivienda (My First Home) scheme allows mortgages of up to 100% backed by a public guarantee, now for people aged up to 50 and homes costing up to 425,000 euros. As of 20 October 2026, we look at the exact requirements, which part of the loan the guarantee covers, which banks take part, how to apply, how much you still need to save, the monthly payment with September's Euribor and the risks of borrowing 100%.
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Buying & sellingOctober 2026 · 13 min
You can sell a flat in Spain that still has a mortgage on it, and it is very common. We explain the three options (paying it off on completion day with the sale money, letting the buyer take it over or paying it off beforehand), how to ask your bank for the redemption statement, how much it can charge you for early repayment under Law 5/2019, what removing the mortgage from the Land Registry costs and a full worked example with Madrid figures.
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Buying & sellingOctober 2026 · 10 min
Madrid's IBI property tax falls to 0.4%, the legal minimum, in 2027, and the Catastro's new reference values arrive on 1 January. As of 20 October 2026, we explain what has been approved and what is still pending, how much a typical flat will pay, when the bill is collected, how to look up your reference value and what depends on the 12 November vote.
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RentingOctober 2026 · 10 min
From 1 to 15 December 2026 the annual window opens to submit rent receipts and collect the Bono Alquiler Joven (Youth Rent Voucher) in the Comunidad de Madrid. We look at which lists have been published, when it is paid, the requirements (€250 a month, aged 18 to 35), how to check your file and correct it step by step, and what is known on 20 October 2026 about the region’s 2025 rent aid and the new State Housing Plan 2026-2030.
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Buying & sellingOctober 2026 · 7 min
Anyone can buy a property in Spain, but the process has its own steps: an NIE, a deposit contract, a notary and purchase taxes that depend on whether the home is new or second-hand.
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Buying & sellingOctober 2026 · 9 min
The October 2026 Euribor closes with the session on 30 October, and the Banco de España (Spain's central bank) will publish it as the official index in early November. As of 20 October, the provisional average is around 3.22%, a full point above the 2.187% of October 2025. We explain how it is calculated, which mortgages are reviewed with this figure, how much the monthly payment could rise and what it means if you are buying or selling a home in Madrid.
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RentingOctober 2026 · 10 min
Registration for the 80 Plan Vive homes in Moralzarzal opens in November 2026. We explain what Plan Vive is, the 2026 requirements, what the rent costs and how to apply, which other developments have dates, where the law for 18,000 protected homes and the new housing regulation stand, and what is known about EMVS draws in the city of Madrid.
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NewsOctober 2026 · 8 min
Spain's general strike over housing on 11 November 2026 has been called for 24 hours across the whole country. As of 20 October 2026, we explain who has called it and when it was registered, what the organisers are demanding, what rights you have if you are an employee, who sets the minimum services and how it may affect transport, schools, healthcare and paperwork.
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RentingOctober 2026 · 9 min
From 1 December 2026, holiday lets and short stays of 30 nights or fewer in Spain will be subject to 10% VAT (IVA) under Royal Decree-Law 29/2026. But it all depends on the vote expected on 12 November in the Standing Committee of the Spanish Congress. We explain which lettings are affected and which are not, what owners have to do, a worked example for a holiday flat in Madrid and what happens if the decree is ratified or lapses.
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GuidesOctober 2026 · 8 min
Certificates, a Spanish notary, a six-month tax deadline and the law of another country. This is the order in which things happen when you inherit a home in Madrid from abroad, and what the tax really looks like.
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News21 October 2026 · 14 min
Royal Decree-Law 29/2026 changes the IRPF (Spanish personal income tax) reduction for landlords who let homes: up to 100% if, when signing a new contract, they cut the rent by more than 5% compared with the last rent under the previous contract, and less if they keep it the same or raise it. As at 21 October 2026, we explain the exact scale band by band, from which signing date it applies, who is excluded, examples with a flat let at 1,000 euros a month and what happens if the decree is not ratified on 12 November.
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NewsOctober 2026 · 11 min
As of 20 October 2026, the vote on Spain's housing decrees in the Diputación Permanente (the Standing Committee of the Congress of Deputies) is expected on 12 November. We explain what is being voted on, which measures of Royal Decree-laws 28/2026 and 29/2026 already apply and which do not, what happens if they are ratified and what happens if they are not, with a table of dates and what to check before and after the vote if you let a property or rent your home.
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Buying & selling21 October 2026 · 12 min
From today you can sell your home with Llavely anywhere in the Madrid region. You pay 2.5% + VAT of the price, in total, only if you sell and on the day you sign at the notary; everything else is included and done by us, from the valuation to the signing. Here is what it costs, with figures, what is included, how it works step by step, why buying is free and what the latest official data say about the Madrid market.
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Buying & sellingOctober 2026 · 10 min
On Thursday 29 October 2026, at 14:15 CET, the ECB announces whether it raises interest rates again or keeps the deposit rate at 2.50%. We explain what is known as of 20 October, what the latest euro area inflation figures say, how Euribor could move, how much the monthly payment on a typical mortgage would change and what to do before and after the meeting if you are buying or selling a home in Madrid.
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News20 October 2026 · 9 min
Foreign buyers bought 62,327 homes in Spain in the first half of 2026, 13% fewer than a year earlier and the steepest fall since 2020, according to figures published by the Consejo General del Notariado (General Council of Notaries) on 15 October. In the Madrid region the drop reaches 19.7%. We go through the figures, who is really buying in Madrid, where prices stand and how to prepare the sale of your flat with your feet on the ground.
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Buying & sellingOctober 2026 · 10 min
The Comunidad de Madrid (Madrid regional government) has announced that buyers under 40 will pay 4% property transfer tax (ITP) instead of 6% when buying a resale home of up to €450,000 as their main residence, and 0.4% stamp duty (AJD) on new builds, from 1 January 2027 if the regional budget is passed. As at 20 October 2026, we explain the known requirements, how much you save at different prices, what is still to be confirmed and whether to sign in December or January.
Read articleBuying & selling October 2026 · 7 min
If you live outside Spain and sell a home in Madrid, the buyer keeps back 3% of the price for the tax office. Here is what you actually owe, how to get the difference back and what the town hall charges on top.
Read articleBuying & selling October 2026 · 13 min
Settling an inheritance in Madrid means adding up several costs: certificates, the notary, the Registro de la Propiedad (Land Registry), Inheritance Tax, the plusvalía municipal (municipal capital gains tax) and, if you need one, a lawyer. We explain how much each one costs in 2026, how it is calculated and, with real figures, what two siblings inheriting a flat in the city of Madrid would pay.
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GuidesOctober 2026 · 13 min
When someone dies without a will, the law decides who inherits and in what order, and a notary puts it in writing in a formal deed (acta). We explain the order set by the Código Civil (Spanish Civil Code), what the surviving spouse is entitled to, which documents are needed and how much it all costs and how long it takes in 2026.
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GuidesOctober 2026 · 14 min
If you inherit a flat with a mortgage, or suspect the deceased left debts, the way you accept the inheritance changes everything. We explain the three options available in 2026 (accepting outright, accepting with benefit of inventory or renouncing), the deadlines that apply, what happens to the mortgage and how to sell the flat to pay what is owed.
Read articleNews 14 October 2026 · 12 min
Nine out of ten estate agencies say they have noticed changes in the rental market since the October housing decrees. A survey by the Federación Nacional de Asociaciones Inmobiliarias (FAI, Spain's National Federation of Property Associations) puts at 4,235 the homes withdrawn from long-term residential letting or diverted elsewhere in ten days, and at 1,523 the contracts left unsigned. We explain what those figures say, what they do not say, what other sources show and what to bear in mind if you are looking for a flat or letting your own.
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Buying & sellingOctober 2026 · 18 min
How much does an estate agency charge to sell a flat in Madrid? Estate agent commission in Madrid usually ranges between 3% and 6% plus VAT, and on an average flat in the city it can exceed €25,000. We explain who pays it, when, which practices to watch out for and how to save without losing safeguards.
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GuidesOctober 2026 · 17 min
Selling or buying a flat is usually the most important financial transaction of a lifetime, and hardly anyone is an expert in arras (deposit contracts), charges on the property or plusvalía (municipal capital gains tax). We explain what a lawyer does in a home sale in Spain, how it differs from the notary, how much they charge in 2026 and when it is worth hiring one.
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Buying & sellingOctober 2026 · 17 min
How much is my flat worth in Madrid? We give you the price per m² in the city's 21 districts and the main towns in the Comunidad de Madrid (Madrid region), explain the difference between asking price, closing price, mortgage valuation and the Catastro's reference value, and suggest a 5-step method for setting a realistic sale price.
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Buying & sellingOctober 2026 · 18 min
When a property sale falls through because the buyer's mortgage is refused, the seller loses months, keeps paying the bills and often ends up lowering the price. We look at the 2026 mortgage data, how long it takes to sell a flat in Madrid, what a mortgage pre-approval really is and how to screen buyers before you open the door.
Read articleBuying & selling October 2026 · 18 min
Gathering the documents you need to sell a flat before you advertise it saves weeks of delays and nasty surprises at the notary. We go through, one by one, the papers required in the Comunidad de Madrid (Madrid region) in 2026: what each one is for, where to get it, how much it costs and which ones are genuinely compulsory.
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Buying & sellingOctober 2026 · 18 min
Selling a flat in Madrid involves two taxes of its own: the plusvalía municipal (municipal capital gains tax), charged by the City Council at 29%, and IRPF (income tax) on the gain, at rates from 19% to 30%. We explain how they are calculated, what changes on 1 December 2026, which exemptions exist, and walk you through a complete worked example with figures.
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GuidesOctober 2026 · 18 min
The arras contract (the deposit contract used when buying a home in Spain) sets the price, the date for signing at the notary and what happens to the deposit if someone pulls out. We explain the three types of arras, how much is usually paid, the usual deadlines, what happens if you don't get your mortgage and which clauses to check before signing.
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Buying & sellingOctober 2026 · 18 min
Selling a flat with a tenant living in it is legal, but the tenancy continues and the tenant has priority to buy. Since 8 October 2026 a tenant can no longer agree to waive that right. We explain what the law says, how to notify the tenant, what options you have and how it all affects the price.
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Buying & sellingOctober 2026 · 20 min
Selling an inherited flat in Madrid means completing the inheritance first: certificates, acceptance before a notary, inheritance tax and the plusvalía (municipal capital gains tax). We explain the steps in order, the deadlines, how much you pay in 2026 (including when you sell) and what options you have if there are several siblings and you can't agree.
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Buying & sellingOctober 2026 · 19 min
Selling commercial premises in Madrid, an office or a parking space isn't like selling a flat: the taxes, the buyer and the paperwork all change. We go through 2025 and 2026 prices, when ITP (transfer tax) or VAT applies, what happens if the premises have a tenant, what the rules now allow for converting premises into a home and how to set a realistic price.
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News12 October 2026 · 14 min
Three in ten members of the landlords' association ASVAL say they plan to take their flats off the rental market after the October housing decrees. We go through exactly what the new rules say, who Spain's small landlords are, what the market data shows and what to bear in mind before you decide.
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NewsOctober 2026 · 11 min
More than 300 municipalities and around 9.3 million people now live in stressed residential market areas. We explain which regions have declared them, what rules they impose on owners and tenants, and what the data shows, for and against, about their impact on prices and supply.
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RentingOctober 2026 · 11 min
Seasonal (temporary) lets now account for almost three in ten rental listings in Spain, while their regulation has had a turbulent year: the Supreme Court struck down the national Single Rental Register and Congress has just rejected the decree that was going to restrict them. We explain what is in force today and what you should know.
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Buying & sellingOctober 2026 · 11 min
Euribor has risen month after month and the ECB has raised interest rates again. Using official data, we look at how much mortgages cost today, how much savings you need and what to check before you sign.
Read articleRenting October 2026 · 10 min
Renting keeps getting more expensive across most of Spain, although at a slower pace and with big differences between cities. Using data from idealista, Fotocasa and the INE, we look at how much it costs to rent, where prices are rising fastest and how much of household budgets it takes.
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RentingOctober 2026 · 11 min
Contract length, annual rent increases with the INE's new index, agency fees, repairs, sale of the flat and evictions. An overview updated to October 2026, with a reference to each article in the BOE (Spain's Official State Gazette).
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NewsSeptember 2026 · 11 min
Home sales in Spain are losing momentum in 2026 while prices keep rising at double-digit rates. Using data from the INE (Spain's National Statistics Institute), notaries, land registrars and the Banco de España (Bank of Spain), we look at what is happening across Spain and, in particular, in Madrid.
Read articleBuying & selling September 2026 · 11 min
Selling a home in Madrid means getting your paperwork ready, setting the right price and working out what the Spanish tax authorities will take. This guide walks through the process step by step, with prices by district for September 2026 and a complete worked example.
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SafetySeptember 2026 · 9 min
Online fraud remains the most common digital crime in Spain, and renting a home is one of its favourite hunting grounds. We look at the official data, the patterns that keep repeating and the practical steps to protect yourself and react.
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NewsSeptember 2026 · 11 min
Only 14.5% of young people aged 16 to 29 live away from the family home, the worst figure on record. We look at the numbers from the Consejo de la Juventud de España (Spanish Youth Council) and Eurostat, what it costs to rent a flat or a room, and what changes with the new Bono Alquiler Joven (youth rental allowance).
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GuidesSeptember 2026 · 12 min
Buying a home in Madrid takes a good deal more than paying the agreed price. We break down all the 2026 costs and taxes, who pays each one and which public aid schemes can reduce the down payment, with an example for a €400,000 resale flat.
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RentingSeptember 2026 · 9 min
In Madrid an average of 48 people compete for each flat to rent, and in Barcelona, 95. We explain what landlords look for, which documents to have ready, which ones they can legally ask you for and how to present yourself so you stand out.
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GuidesSeptember 2026 · 10 min
The deposit is the money that causes the most arguments at the end of a tenancy. We explain what the Ley de Arrendamientos Urbanos (Spain's Urban Leases Act) says, which extra guarantees you can be asked for, how lodging the deposit works in each region and what to do to get it back without conflict.
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