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Murcia is the new property hotspot in Spain, and before you look anywhere else, we recommend you visit Murcia and see why.

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Dream Spain Buyer's Guide - THE Guide to Buying YOUR Spanish Property

	Area
	Once you have decided why you are buying your Spanish property you can decide on the area to buy. See our area section in our Location Guide and read our ´Five Reasons to Invest in Murcia´ to confirm why you should consider buying your Spanish property in Murcia and the Costa Calidá.
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	Budget
	Calculate your budget before you make your visit to look at property in Spain. Then make sure you look at property you can afford to save you from making expensive mistakes. On top of the price of your property, you'll find certain expenses you'll need to take into account. Allow approximately 10%-11% for costs over and above the purchase price. If you are going to require a mortgage for your Spanish property, there will be additional costs involved such as property valuation and mortgage application fees. You will also need to make an allowance for furnishing your new property or transporting existing furniture. Remember also to allow for inspection visit costs and subsequent visits to complete documents.
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	Running Costs
	Once you’ve estimated your purchase budget, do not forget to calculate the ongoing cost of your Spanish property. Running Expense - example break-down The list below gives an example of charges for a 3 bedroom townhouse in a coastal town in the region of Murcia: Urbanisation Fee €500 per annum Payable when you buy a property on an urbanisation for the upkeep of the shared facilities - pool, garden area, pathways. The amount you pay is agreed by your community and by law it will correspond to the size of your property in relation to the whole development. Utility Bills - Gas & Electricity €200 per annum Both water & electricity are metered. Property Taxes €250 per annum Based on the capital value and income from your property Real Estate Tax (IBI) €250 per annum. Set by and payable to your local Town Hall. Insurance - Property & Contents €250 per annum Often provided by your bank, but can pay to shop around Local Fiscal Representative €200 per annum Ensures all taxes are paid and personal finances relating to Spain are kept in order

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