Vacation Rental or Traditional Rental?   If you've ever wondered which is the most profitable way to rent out a property, you're in the right place. Choosing between a vacation rental or a traditional rental may seem complicated, but in this article, we'll help you discover which one best suits your needs. To make this easier, we’ve created an online calculator that not only helps you determine which type of rental is most suitable but also allows you to measure the return on investment of your property based on different rental models. With this tool, you can calculate the annual interest a property would generate if purchased, as well as compare the returns of vacation rentals versus long-term rentals. This way, you'll have a clearer view of the profitability of each option before making a decision. This will make it much easier for you to make the best decision and avoid surprises.   Vacation Rental   On one hand, vacation rentals often generate higher income during peak seasons. The ability to adjust prices based on demand and take advantage of tourist influxes can result in attractive returns. However, it's important to note that this type of rental requires more active management: from frequent maintenance and cleaning to marketing the property to ensure occupancy. Additionally, during low seasons, occupancy rates may drop, leading to some uncertainty in monthly income. The interesting part of this type of rental is that you can use the property yourself during the months or weeks you choose simply by not renting it out during those periods. However, keep in mind that regulations have become stricter, and if you're investing solely for vacation rentals, you must be well-informed about which properties qualify and which do not.   Traditional Rental   On the other hand, opting for a traditional rental provides more stable income throughout the year. A long-term relationship with tenants reduces the need for frequent tenant changes and minimizes marketing and management efforts. However, this type of rental may yield lower monthly income compared to the potential maximum earnings of vacation rentals, and price adjustments tend to be less dynamic.   RENTAL PROFITABILITY CALCULATOR   With this tool, you can experiment with different scenarios, compare what you can earn from vacation rentals versus traditional rentals, and practically see how your investment performs in each case. It provides the annual profitability of each option, helping you choose the rental type that best fits your lifestyle and financial goals—whether you're looking for higher short-term earnings or steady monthly income.   .calculadora-container { max-width: 600px; margin: 20px auto; padding: 20px; background: #fbfbfb; box-shadow: 0 4px 8px rgba(0,0,0,0.1); border-radius: 5px; } @media (max-width: 600px) { .calculadora-container { padding: 5px; } } .calculadora-container fieldset { border: 1px solid #ddd; margin-bottom: 20px; padding: 15px; } .calculadora-container legend { font-weight: bold; font-size: 1.1em; } .calculadora-container .field { margin-bottom: 15px; padding-bottom: 15px; border-bottom: 1px solid #ddd; } .calculadora-container label { display: block; margin-bottom: 5px; } .calculadora-container input[type="number"], .calculadora-container input[type="checkbox"] { width: 100%; padding: 8px; box-sizing: border-box; } .calculadora-container .option-title { color: #003366; text-transform: uppercase; font-weight: bold; margin-bottom: 5px; text-align: left; } .calculadora-container .radio-group { margin-bottom: 8px; } .calculadora-container .radio-group label { display: inline-block; margin-right: 10px; } .calculadora-container small { font-size: 1.2em; color: #333; display: block; margin-top: 5px; margin-bottom: 5px; } .calculadora-container button { padding: 10px 15px; font-size: 16px; background: #003366; color: #fff; border: none; border-radius: 3px; cursor: pointer; } .calculadora-container button:hover { background: #002244; } .calculadora-container #yieldContainer { display: none; margin-top: 10px; padding: 10px; border: 1px dashed #ccc; } .calculadora-container #resultados { margin-top: 20px; } Vacation Rental Daily Price (€): Occupancy Days % of the year AGENCY COMMISSION (%) PORTAL COMMISSION (Airbnb/Booking): Percentage (%) Fixed amount (€) per year Cleaning and Maintenance Expenses (€ per year) Included (enter approximate annual cost) Paid separately (tenant pays, not deducted) Electricity & Water Included Paid separately TV and Internet Expenses (€ per month) Other Miscellaneous Expenses (€ per month) Community Fees (€ per month) Waste and Contribution Fees (€ per year) Home Insurance (€ per year) Rental Insurance (€ per year) Long-term Rental Monthly Price (€) Community Fees (€ per month) Waste and Contribution Fees (€ per year) Other Fixed Monthly Expenses (€ per month) Home Insurance (€ per year) Rental Insurance (€ per year) Investment Return Calculation Calculate the return on your investment? Calculate the return generated by the money invested in purchasing your property. Purchase Price (€): Purchase Expenses (€): Renovation Expenses (€): Other Expenses (€): Calculate Return   // Show/Hide the investment block when the checkbox is toggled document.getElementById('calcularInversion').addEventListener('change', function() { document.getElementById('yieldContainer').style.display = this.checked ? 'block' : 'none'; }); function calcularRendimiento() { // VACATION RENTAL const precioDiario = parseFloat(document.getElementById('precioDiario').value) || 0; const valorOcupacion = parseFloat(document.getElementById('valorOcupacion').value) || 0; const tipoOcupacion = document.querySelector('input[name="tipoOcupacion"]:checked').value; let diasAlquilados = (tipoOcupacion === "dias") ? valorOcupacion : (valorOcupacion / 100) * 365; // COMMISSIONS const comisionAgencia = (parseFloat(document.getElementById('comisionAgencia').value) || 0) / 100; const comisionPortalesValor = parseFloat(document.getElementById('comisionPortales').value) || 0; const tipoComision = document.querySelector('input[name="tipoComision"]:checked').value; // CLEANING AND MAINTENANCE EXPENSES const gastosLimpieza = parseFloat(document.getElementById('gastosLimpieza').value) || 0; const tipoLimpieza = document.querySelector('input[name="tipoLimpieza"]:checked').value; let gastosLimpiezaAnual = (tipoLimpieza === "incluido") ? gastosLimpieza : 0; // ELECTRICITY & WATER: If included, take the monthly expense and multiply by 12; if paid separately, assume 0 cost. const costoUtilidades = parseFloat(document.getElementById('costoUtilidades').value) || 0; const utilidades = document.querySelector('input[name="utilidades"]:checked').value; let gastosUtilidadesAdicional = (utilidades === "incluido") ? costoUtilidades * 12 : 0; // FIXED EXPENSES FOR VACATION RENTAL const comunidadVacacional = parseFloat(document.getElementById('comunidadVacacional').value) || 0; const contribucionVacacional = parseFloat(document.getElementById('contribucionVacacional').value) || 0; let gastosFijosVacacional = (comunidadVacacional * 12) + contribucionVacacional; // New monthly fields for vacation rental: const gastosTvInternet = parseFloat(document.getElementById('gastosTvInternet').value) || 0; const otrosGastosVacacional = parseFloat(document.getElementById('otrosGastosVacacional').value) || 0; gastosFijosVacacional += (gastosTvInternet * 12) + (otrosGastosVacacional * 12); // VACATION RENTAL INSURANCE const seguroViviendaVacacional = parseFloat(document.getElementById('seguroViviendaVacacional').value) || 0; const seguroAlquilerVacacional = parseFloat(document.getElementById('seguroAlquilerVacacional').value) || 0; gastosFijosVacacional += (seguroViviendaVacacional + seguroAlquilerVacacional); // Vacation rental gross income let ingresoBrutoVacacional = precioDiario * diasAlquilados; // Agency commission expenses let gastosAgencia = ingresoBrutoVacacional * comisionAgencia; // Portal commission expenses let gastosPortalesCalc = (tipoComision === "porcentaje") ? ingresoBrutoVacacional * (comisionPortalesValor / 100) : comisionPortalesValor; // Calculation of vacation rental net income let ingresoNetoVacacional = ingresoBrutoVacacional - gastosAgencia - gastosPortalesCalc - gastosLimpiezaAnual - gastosUtilidadesAdicional - gastosFijosVacacional; // LONG-TERM RENTAL (assumed 100% occupancy) const precioMensual = parseFloat(document.getElementById('precioMensual').value) || 0; const comunidadLarga = parseFloat(document.getElementById('comunidadLarga').value) || 0; const contribucionLarga = parseFloat(document.getElementById('contribucionLarga').value) || 0; const otrosGastosMensuales = parseFloat(document.getElementById('otrosGastosMensuales').value) || 0; let ingresoBrutoLarga = precioMensual * 12; let gastosFijosLarga = (comunidadLarga * 12) + contribucionLarga + (otrosGastosMensuales * 12); // LONG-TERM RENTAL INSURANCE const seguroViviendaLarga = parseFloat(document.getElementById('seguroViviendaLarga').value) || 0; const seguroAlquilerLarga = parseFloat(document.getElementById('seguroAlquilerLarga').value) || 0; gastosFijosLarga += (seguroViviendaLarga + seguroAlquilerLarga); let ingresoNetoLarga = ingresoBrutoLarga - gastosFijosLarga; // Prepare the results content let resultadosHTML = `Annual Results: Vacation Rental: Annual Net Income: ${ingresoNetoVacacional.toFixed(2)} € Long-term Rental: Annual Net Income: ${ingresoNetoLarga.toFixed(2)} €`; // Calculate investment return if the option is selected if(document.getElementById('calcularInversion').checked) { const precioCompra = parseFloat(document.getElementById('precioCompra').value) || 0; const gastosCompra = parseFloat(document.getElementById('gastosCompra').value) || 0; const gastosReforma = parseFloat(document.getElementById('gastosReforma').value) || 0; const otrosGastosInversion = parseFloat(document.getElementById('otrosGastosInversion').value) || 0; let totalInversion = precioCompra + gastosCompra + gastosReforma + otrosGastosInversion; if(totalInversion > 0) { let rendimientoVacacional = (ingresoNetoVacacional / totalInversion) * 100; let rendimientoLarga = (ingresoNetoLarga / totalInversion) * 100; resultadosHTML += ` Investment Return: Vacation Rental: ${rendimientoVacacional.toFixed(2)} % per year Long-term Rental: ${rendimientoLarga.toFixed(2)} % per year`; } else { resultadosHTML += `No investment data was entered.`; } } document.getElementById('resultados').innerHTML = resultadosHTML; } Vacation Rental: Know the Regulations in the Valencian Community to Avoid Surprises   Tourist rental is constantly evolving, and recently, modifications have been implemented in the tourist housing decree, covering everything from the licensing process to security and tax requirements. If you own or have purchased a property to use for tourist rental in the Valencian Community, here is a summary of the key points of the new regulations.   Stay Limit: A maximum limit of 10 days of rental to the same client is established. This aims to regulate the length of stays and prevent prolonged use of tourist accommodations. Homeowners’ Association Certificate: It will be mandatory to have a certificate from the homeowners’ association to register a tourist property. This certificate must confirm that the tourist activity does not violate the community’s statutes. Registration Expiry: Registrations in the Tourist Housing Registry will be valid for five years. After this period, renewal will be required. Adaptation to the New Regulations: If you have a tourist property registered before the new decree (before August 7, 2024), your registration will be valid until August 8, 2029. After that, you will need to re-register under the new decree. Quality Requirements: The new decree sets stricter requirements regarding the quality of tourist properties, including aspects such as equipment, services, and accessibility. Owner’s Responsibility: The responsibility of the tourist property owner is more clearly defined regarding compliance with regulations and guest assistance. Marketing Channels: The marketing channels for tourist properties are regulated, requiring greater transparency in the information provided to tourists. Inspection and Control: Inspection and control measures are intensified to ensure compliance with regulations and detect potential irregularities. Sanction System: The sanction system is tightened for tourist properties that fail to comply with regulations, imposing higher fines. Promotion of Sustainable Tourism: The new decree promotes sustainable tourism, encouraging responsible practices that respect the environment and local community.   Importance of These Changes   These changes aim to balance tourist activity with residents’ right to rest, ensure the quality of the tourist offer, and promote more sustainable tourism. It is important to familiarize yourself with the new regulations and comply with all requirements to avoid penalties and contribute to responsible tourism in the Valencian Community. Keep in mind that if you purchased a property with a tourist license and the homeowners’ association regulations in your residential community do not allow tourist rentals, you may not be able to renew the license. At the following link, you can check if your property has a valid tourist license: Check Tourist Property License

EXPENSES WHEN SELLING YOUR PROPERTY: CALCULATE THE CAPITAL GAINS TAX   A few months ago, we published this article to explain one of the most important expenses when selling a property: the Capital Gains Tax. The article was very complete, but at the same time, it turned out to be complicated to understand if you are not familiar with these types of calculations. For this reason, at Agrucasa, we came up with the idea of creating a Capital Gains Tax calculator from scratch, using AI to generate the code. The result is a quite reliable and very easy-to-use tool. In just a few clicks, you can calculate the tax you will have to pay when selling your property. What is the Capital Gains Tax when selling a property? If you don't know what Capital Gains Tax is, I'll explain it briefly. Its abbreviation stands for PERSONAL INCOME TAX. When selling a property, it is the tax you must pay on the profit obtained. In this case, it is based on the gain you make when selling your property. It’s very simple: if you bought a property at a certain price and sell it for a higher amount, you make a profit, and the Tax Agency will require a percentage of that profit, which you will have to pay when filing your tax return. If you do not make a profit on the sale, you won’t have to pay anything. What if you are not a tax resident in Spain? If you are not a resident, a 3% withholding will be applied to the sale price when selling your property. If you sold at a loss, you can request a refund of that 3%. Simply put, when you sell your house, the buyer will withhold 3% and submit it using Form 211, and you will need to submit Form 210 to request the refund. On the other hand, if you made a profit exceeding the retained 3%, you will have to pay the corresponding difference. At Agrucasa, we offer you a tool that allows you to estimate the Capital Gains Tax you will have to pay when selling your property. The tool is designed to cover most situations, but each case may have its particularities. Therefore, we recommend consulting with a tax advisor to obtain an exact calculation and ensure that all applicable exemptions or reductions are correctly applied. .container { background: #fbfbfb; border-radius: 10px; padding: 20px 30px; max-width: 500px; margin: 30px auto; box-shadow: 0 2px 10px rgba(0,0,0,0.1); border: 1px solid #cfcfcf; clear: both; } .container h1 { text-align: center; color: #5f5f5f; font-weight: 600; font-size: 17px; } .container form label { display: block; margin: 15px 0 5px; color: #353535; text-align: left; font-weight: 600; } .container form input[type="date"], .container form input[type="number"] { width: 100%; padding: 8px; font-size: 17px; border: 1px solid #ccc; border-radius: 4px; box-sizing: border-box; } .container form input[type="checkbox"], .container form input[type="radio"] { margin-right: 5px; } .container form button { background: #007BFF; color: #fff; border: none; padding: 10px 20px; font-size: 17px; border-radius: 5px; cursor: pointer; margin-top: 20px; display: block; width: 100%; } .container form button:hover { background: #0056b3; } .container .resultado { margin-top: 20px; background: #e9f5ff; padding: 15px; border-radius: 5px; border: 1px solid #b3d7ff; } .container .resultado p { margin: 8px 0; } .container .viviendaOpciones, .container .nonResidenteOpciones { margin-left: 20px; padding: 10px; background: #f9f9f9; border: 1px solid #ddd; border-radius: 4px; } IRPF Calculator for Properties Purchase Date: Sale Date: Purchase Price (€): Sale Price (€): Acquisition Expenses (€): Renovation or Other Deductible Expenses (€): Sale Expenses (€): Check if it's your primary residence I am over 65 years old Reinvested Amount in a New Residence (€): Check if you are not a tax resident in Spain Please indicate if you belong to the EU/EEA: Yes, I belong No, I do not belong The tax will be calculated on the benefit (capital gain) as follows: 19% for EU/EEA residents 24% for non-residents outside the EU/EEA In addition, the IRPF at 3% (on the sale price) will be shown and the difference calculated. Select to apply the abatement coefficients: Apply abatement coefficients The abatement coefficients reduce the capital gain based on the number of years elapsed until 31/12/1996. If you purchased your property before 1994, you may benefit from this reduction. Check this option if you wish to apply it in the calculation. Review if your country has a double taxation agreement with Spain. Calculate IRPF   function toggleViviendaOpciones() { const checkbox = document.getElementById('viviendaHabitual'); const opciones = document.getElementById('viviendaOpciones'); opciones.style.display = checkbox.checked ? "block" : "none"; } function toggleNonResidenteOpciones() { const checkbox = document.getElementById('nonResidente'); const opciones = document.getElementById('nonResidenteOpciones'); opciones.style.display = checkbox.checked ? "block" : "none"; } // Converts a date into a fixed number of days (ignoring leap years) // fixedDayCount = (Year * 365) + (dayOfYear - 1) function fixedDayCount(fecha) { const year = fecha.getFullYear(); const month = fecha.getMonth(); const day = fecha.getDate(); const mdays = [31, 28, 31, 30, 31, 30, 31, 31, 30, 31, 30, 31]; let dayOfYear = 0; for (let i = 0; i < month; i++) { dayOfYear += mdays[i]; } dayOfYear += day; return year * 365 + (dayOfYear - 1); } function calcularIRPF() { // Non-resident branch: if (document.getElementById('nonResidente').checked) { const purchasePrice = parseFloat(document.getElementById('precioCompra').value) || 0; const salePrice = parseFloat(document.getElementById('precioVenta').value) || 0; const acquisitionExpenses = parseFloat(document.getElementById('gastosAdquisicion').value) || 0; const renovationExpenses = parseFloat(document.getElementById('gastosReforma').value) || 0; const saleExpenses = parseFloat(document.getElementById('gastosVenta').value) || 0; // Calculate gross gain (profit) let grossGain = salePrice - (purchasePrice + acquisitionExpenses + renovationExpenses + saleExpenses); // Determine if abatement coefficients should be applied const applyAbatements = document.getElementById('aplicarReductoresNonRes').checked; let taxableBenefit; if (applyAbatements) { const purchaseDateObj = new Date(document.getElementById('fechaCompra').value); const saleDateObj = new Date(document.getElementById('fechaVenta').value); const totalDays = fixedDayCount(saleDateObj) - fixedDayCount(purchaseDateObj); const cutoffDate = new Date("2006-01-20"); let daysBefore2006 = 0; if (purchaseDateObj >= cutoffDate) { daysBefore2006 = 0; } else if (saleDateObj 1) { coefficient = 1; } reducedGainBefore2006 = gainBefore2006 * (1 - coefficient); } taxableBenefit = reducedGainBefore2006 + gainAfter2006; } else { taxableBenefit = grossGain; } // Determine the tax rate based on EU/EEA membership: const radios = document.getElementsByName('nonResidentEU'); let belongsToEU = "si"; for (let radio of radios) { if (radio.checked) { belongsToEU = radio.value; break; } } const rate = (belongsToEU === "si") ? 0.19 : 0.24; let computedTax = taxableBenefit > 0 ? taxableBenefit * rate : 0; // The 3% retention is calculated on the sale price const retention = salePrice * 0.03; const diff = computedTax - retention; let diffMessage = ""; if (diff > 0) { diffMessage = "You will need to pay an additional €" + diff.toFixed(2) + " because the calculated tax is higher than the 3% retention."; } else if (diff < 0) { diffMessage = "You can request a refund of €" + Math.abs(diff).toFixed(2) + " because the calculated tax is lower than the 3% retention."; } else { diffMessage = "The calculated tax is exactly equal to the 3% retention."; } document.getElementById('resultado').innerHTML = ` Results for Non-Residents Sale Price: €${salePrice.toFixed(2)} Gross Gain (Profit): €${grossGain.toFixed(2)} ${ applyAbatements ? `Taxable Gain (with abatements): €${taxableBenefit.toFixed(2)}` : `Taxable Gain: €${taxableBenefit.toFixed(2)}` } Calculated Tax (at ${(rate*100).toFixed(0)}% on profit): €${computedTax.toFixed(2)} Retention (3% on sale price): €${retention.toFixed(2)} ${diffMessage} Review if your country has a double taxation agreement with Spain. `; return; } // Resident branch: const purchaseDateInput = document.getElementById('fechaCompra').value; const saleDateInput = document.getElementById('fechaVenta').value; if (!purchaseDateInput || !saleDateInput) { alert('Please enter both dates.'); return; } const purchaseDate = new Date(purchaseDateInput); const saleDate = new Date(saleDateInput); if (purchaseDate >= saleDate) { alert('The purchase date must be earlier than the sale date.'); return; } const purchasePrice = parseFloat(document.getElementById('precioCompra').value); const salePrice = parseFloat(document.getElementById('precioVenta').value); const acquisitionExpenses = parseFloat(document.getElementById('gastosAdquisicion').value) || 0; const renovationExpenses = parseFloat(document.getElementById('gastosReforma').value) || 0; const saleExpenses = parseFloat(document.getElementById('gastosVenta').value) || 0; const totalAcquisition = purchasePrice + acquisitionExpenses + renovationExpenses + saleExpenses; const grossGain = salePrice - totalAcquisition; const totalDays = fixedDayCount(saleDate) - fixedDayCount(purchaseDate); const cutoffDate = new Date("2006-01-20"); let daysBefore2006 = 0; if (purchaseDate >= cutoffDate) { daysBefore2006 = 0; } else if (saleDate 400000) { reducedGain = grossGain; } else { reducedGainBefore2006 = gainBefore2006; if (purchaseDate < new Date("1995-01-01")) { const purchaseYear = purchaseDate.getFullYear(); const yearsHeld = 1996 - purchaseYear; const reducibleYears = Math.max(yearsHeld - 2, 0); let coefficient = reducibleYears * 0.1111; if (coefficient > 1) { coefficient = 1; } reducedGainBefore2006 = gainBefore2006 * (1 - coefficient); } reducedGain = reducedGainBefore2006 + gainAfter2006; } let extraMessage = ""; let taxableGain = reducedGain; const isPrimaryResidence = document.getElementById('viviendaHabitual').checked; if (isPrimaryResidence) { const isOver65 = document.getElementById('mayor65').checked; const reinvestedAmount = parseFloat(document.getElementById('importeReinvertido').value) || 0; if (isOver65) { extraMessage = "As you are over 65 and this is your primary residence, you may be exempt. Consult your tax advisor."; taxableGain = 0; } else { if (reinvestedAmount > 0) { let exemptionProportion = reinvestedAmount / salePrice; if (exemptionProportion > 1) { exemptionProportion = 1; } const exemptGain = reducedGain * exemptionProportion; taxableGain = reducedGain - exemptGain; } const partialExemptionStart = new Date("2012-05-12"); const partialExemptionEnd = new Date("2012-12-31"); if (purchaseDate >= partialExemptionStart && purchaseDate

HIRE WITH ONE AND SELL WITH ALL Are you thinking about selling your house but don't want to deal with the hassle of working with multiple real estate agencies? The MLS ASIVEGA Association has the perfect solution for you. Our "Hire with one agency and sell with all" approach allows you to work directly with a single agency that is a member of our association, giving you access to over 60 established agencies throughout the region, including Torrevieja, Orihuela Costa, Orihuela, Guardamar del Segura, Alicante, San Pedro del Pinatar, Murcia, Dolores, and Almoradí. By choosing to work with a single agency, you'll ensure that you avoid the issues that arise from having to leave keys with multiple agencies, and you'll be able to enjoy a more effective and efficient selling experience. Additionally, all of the agencies that are part of our association are carefully selected to ensure quality and excellence in service. If you decide to work with the MLS ASIVEGA Association through AGRUCASA, we will personally take care of your house within the Association. As direct responsible of your house, we will ensure that your property is marketed correctly, coordinate and conduct visits, handle negotiations, and ensure that the entire sales process is easy and hassle-free for you, keeping you informed at every step. We will be available to answer any questions you have at any time during the process and will work tirelessly to help you sell your property in the shortest time and at the best possible price. It is important to understand that the MLS ASIVEGA ASSOCIATION has been created for the purpose of allowing the agencies that are part of it to cross clients and properties. Let's say you want to buy a home in Torrevieja, you can contact our agency AGRUCASA, and we will offer you the entire portfolio of homes from the 60 agencies that are part of the association, so that you can choose the homes you like the most. This way, you will not only have access to a greater number of properties, but you will also be able to find the property that best suits your needs more quickly. In the sales process, only the agency representing the buyer, in this case AGRUCASA, and the agency representing the seller of the property to be purchased are involved. This way, we ensure that the sale is quick and hassle-free for all parties involved. When selling or buying through one of the offices of the MLS ASIVEGA ASSOCIATION, you can rest assured that all associated Real Estate Agencies comply with current regulations to work as real estate intermediaries, are registered in the Registry of Real Estate Intermediation Agents of the Valencian Community, have a bond insurance, liability insurance, and have a public office open to the public.   THE HISTORY OF MLS ASIVEGA MLS ASIVEGA is the result of the merger of two important real estate associations in the area: ASIVEGA, founded in 2008, and MLS TORREVIEJA, created in 2011. In 2019, both associations decided to join forces into a single entity to simplify the interaction between their members and strengthen their position in the market, which allows them to offer a higher quality service to their clients. Currently, MLS ASIVEGA has more than 180 real estate professionals and 60 associated offices. These numbers are constantly changing due to the continuous growth of the association. MLS ASIVEGA is the second most important real estate association in the Valencian Community. A leader in the Vega Baja area, the association takes pride in its position thanks to the experience and professionalism of its members. The management team is well-structured and specialized in various fields, allowing them to adapt to a changing future and continue to grow. The main goal of the association is to offer the best quality service to its clients, both sellers and buyers, working with them to meet all their needs. MLS ASIVEGA is committed to the success of its clients and excellence in their work.   MLS ASIVEGA ORGANIZATION CHART Presidency: The legal representatives responsible for acting on behalf of the association's members in both judicial and extrajudicial matters. They also preside over the assembly and board of directors' meetings and are responsible for coordinating and leading the association's activities and decisions for the benefit of its members and clients. Marketing: The marketing department is responsible for leading the development, research, and implementation of communication strategies and real estate events in order for MLS ASIVEGA to achieve its brand development and property portfolio dissemination goals managed by the associated members. Technology: The technology department aims to provide assistance in implementing technological solutions that support the association's daily operations, as well as advice on processes that can improve management. These solutions include, among others, CRM tools, SEO techniques, and 360 virtual tours. Expansion: It is responsible for interviewing and analyzing applications from new agencies that wish to join the association, as well as suggesting new associates that can bring added value to the association, due to their experience or client market. We always verify that new members meet all the legal requirements to practice the profession and protect the operations of MLS ASIVEGA clients. The priority is to guarantee the safety and trust of clients in all transactions carried out through the association. Training: The training department is in charge of designing and planning an annual training calendar that adapts to both new members and those with extensive experience in the real estate sector. In a changing and highly competitive environment, it is essential that we maintain our leadership in the digital era, where new technologies and social networks are becoming increasingly important. For this reason, constant training in legal, marketing, valuation, 360 virtual tours, Home Staging, among other innovative tools is a priority for our department. In this way, we ensure that the entire team is updated and prepared to face the challenges that arise in the real estate market. Treasury: Responsible for managing the funds and financial resources of the association, overseeing both payments and receipts, as well as banking operations. It also keeps records and presents financial reports to the board of directors, with the main objective of ensuring the availability of the necessary funds for the operation and fulfillment of the objectives of the association. It is also responsible for monitoring account balances and balances to ensure efficient financial management. Members: Members are the fundamental basis of MLS ASIVEGA, as they are the real estate agents who are part of our entity.   WHY CHOOSE MLS ASIVEGA? Trust is essential when working with a real estate agent. We need someone who speaks our language, who is always available, and, above all, who works in a professional and transparent manner. At MLS ASIVEGA, we have a broad professional network of real estate agents in the area, strategically located to offer significant regional coverage to our buying and selling clients. We achieve this through our daily commitment to expanding our network of agents through rigorous selection. Training is one of the fundamental philosophies of MLS ASIVEGA. Our members are constantly developing professionally in various topics related to the real estate world, as this sector is one of the most dynamic. In order to offer an excellent service to our clients, the real estate agent needs to adapt continuously. At MLS ASIVEGA, we believe that continuous training is essential to provide quality service and stay at the forefront of the real estate sector. At MLS ASIVEGA, we are committed to integrating the latest technologies into our daily management. We know how important it is for our clients to have access to advanced programs for managing both properties and buyers, as well as a presence on social media. Therefore, we make sure to always stay up-to-date and use the most advanced technological tools. MLS ASIVEGA is synonymous with support and professionalism. By choosing us as your real estate association, you are choosing a human team of over 180 multilingual people from all nationalities, who work day by day to offer you the best service and advice. We are proud to have a team of highly trained professionals who are committed to our clients, willing to help you in everything you need and provide you with the best personalized attention. With MLS ASIVEGA, you have the peace of mind of being supported by a team of experts in the real estate sector. We have a team of highly trained professionals who are committed to our clients, and this has allowed us to help many people find the property of their dreams. Let us show you how we can do the same for you. With MLS ASIVEGA, you will have the peace of mind of knowing that you are backed by a team of experts in the real estate sector, ready to help you with whatever you need. Join our family of satisfied clients today!   Social responsibility: MLS ASIVEGA is a committed association to social responsibility and actively participates in events and collaborations to help the most vulnerable members of the community. For the association, it is important not only to fulfill its real estate duties but also to have a positive impact on society. For this reason, MLS ASIVEGA collaborates with charitable organizations, solidarity events, and other social initiatives that aim to improve the quality of life for the most vulnerable people. The association cares about having a social and ethical focus in its daily work and being a positive agent of change in the community.   ADVANTAGES FOR THE BUYER When we start looking for a home, we sometimes forget the importance of working with an agent who is supported by an association that certifies their professionalism and reliability. By choosing to buy through an office of the MLS ASIVEGA ASSOCIATION, you will have access to a wide portfolio of properties from 60 real estate agencies, making the search process much easier and stress-free. You can find the perfect home that fits your needs and budget in much less time than you might imagine. In addition, all the homes have been carefully reviewed and their documentation is in order and compliant, providing you with greater peace of mind and security at all times. At AGRUCASA, we are a committed agency that helps you in the difficult task of selling your home. We adapt to your needs and current situation to make the sale as quickly as possible and with the least impact on you. Contact us to resolve all your doubts in a meeting or phone conversation. Wide variety and selection: We have a wide variety of properties to offer our clients thanks to our shared real estate portfolio, which currently has over 500 properties available for purchase. Each of the ASIVEGA MLS agencies has their own portfolio of buyer clients who are looking to acquire a property with unique characteristics and locations. It is possible that within our portfolio of properties, you will find the house of your dreams. The best prices in the market: At MLS ASIVEGA, we strive to offer properties that fit the needs and budgets of our clients. We have a broad network of properties with highly competitive prices in the current market. In this way, we can guarantee our clients the best value for money in each real estate transaction. Experience at your service: Our goal is to assist in the implementation of technological solutions that support the daily activities of the association, while also providing process advice to optimize its management. Advice from A to Z: Our associates are trained to advise you in all areas related to the buying and selling of your home. Guarantee and transparency: At MLS ASIVEGA, we abide by the highest ethical and professional standards. All our members are committed to a code of ethics that ensures transparent and honest management at all times. In addition, all the properties offered in our association are exclusive and have been carefully selected and reviewed for marketing. In this way, our clients can feel secure when trusting us for the purchase of their home. Convenience and speed: At MLS ASIVEGA, convenience and speed are priorities at all times. Our associates follow very strict customer service procedures, which ensures that any question or request from our clients is attended to with the utmost agility possible.   ADVANTAGES FOR THE SELLER We understand that selling a home can be a long and complicated process for many people, which is why we work hard to make this experience as comfortable and stress-free as possible. Having the assistance of professionals is crucial to avoid unnecessary headaches and ensure a safe and successful transaction. A team of over 180 agents working for you: We have a large team of highly trained and committed professionals who are dedicated to the satisfaction of our clients. We work hard to provide a wide network of more than 60 agencies spread throughout the region, with a presence on national and international real estate portals. This means that your property will benefit from greater exposure and reach, thanks to our extensive portfolio of clients from different parts of Spain and the world. Our goal is to help you find the perfect buyer for your property, and our team will work tirelessly to ensure that this happens. One of the main advantages for the seller is that they will work with a multi-exclusive for the association, which means that their property will be for sale in all the offices that are part of it. This way, their property will have greater exposure in the market and will be able to reach more potential buyers. The offices that intervene in the sale will be the office that represents the buyer and the agency that represents the seller, so the commission will be shared between both agencies without affecting the sale price. The seller will not have to pay a higher commission for using MLS ASIVEGA to sell their property, as the commission is divided between the two agencies. By working with the MLS ASIVEGA association, the seller can benefit from extensive promotion of their property through the network of associated agencies, as indicated by our slogan "Hire with one real estate agency and sell with all." Team in continuous training: In the real estate world, it's essential to stay up-to-date and adapt to any changes that may arise in the market. At MLS ASIVEGA, we understand the importance of continuous training for our associates, as it allows them to stay current with the latest trends and practices in the real estate industry. This way, we can guarantee effective and successful marketing of your property, as we have a highly trained and constantly evolving team to offer you the best possible service. Professionalism: Our extensive experience in real estate transactions guarantees the utmost professionalism and efficiency in the marketing and sale of your property. You can trust that our team will work tirelessly to achieve the best possible results. Transparency: At MLS ASIVEGA, we pride ourselves on our rigorous ethical code that ensures transparency in all operations between associates. You can trust that all our transactions are carried out with integrity and clarity. Customer filtering: Our MLS ASIVEGA agents speak daily with potential clients from diverse economic and cultural backgrounds. Thanks to our customer filtering system, we guarantee precise visits from buyers who fit the ideal profile for your property. You can be sure that our team will work to find the right buyer for your property. Availability: At MLS ASIVEGA, we understand that availability is essential for potential buyers to visit your property. That's why our agents work tirelessly to ensure that your home can be visited at any time of the year. You can trust that our team will adapt to your needs and schedules to provide you with the best possible service. Legal and Juridical Advice: At MLS ASIVEGA, we have a top-level legal team represented by the law firm Chapapria Navarro & Asociados, who have extensive experience in the real estate sector. This ensures that both buyers and sellers can be assured that contracts are checked and comply with current laws and regulations. Our commitment to transparency and legality in all transactions carried out through our association is absolute. Another advantage of selling through MLS ASIVEGA is that all properties put up for sale have been reviewed and their documentation is in optimal conditions for commercialization. Additionally, the properties are automatically published on each associate's website and are available at all ASOCIACIÓN agencies, maximizing their visibility and reach.   PERSONAL OPINION My journey in the real estate sector began in 2008, during the real estate crisis. I started working in one of the offices that founded ASIVEGA, and at that time, the association was just starting out. I witnessed the birth of the association and how it grew to become MLS ASIVEGA. At AGRUCASA, we are proud to be members of this great family of real estate professionals. They will always have our gratitude and commitment to keep this great family growing and developing. Our experience in the association has been very positive. As professionals and as individuals, we are constantly growing and learning in such a changing market as the real estate industry. We value greatly that all the agencies that are part of the association have been evaluated and comply with all the legal requirements to practice the profession. Additionally, we are proud of the great commitment and responsibility we assume in offering security, transparency, and a high-quality ethical code to our clients.   WHY AGRUCASA IS THE BEST OPTION WITHIN THE ASSOCIATION AS YOUR REAL ESTATE AGENCY It's important to keep in mind that each agency within the MLS ASIVEGA association has its own style when it comes to marketing the properties they list. For example, some agencies use professional cameras to take photos, while others are satisfied with using their phones. Some hire professional photographers or conduct home staging and virtual tours, which is reflected in the quality of the photos displayed on their websites. At AGRUCASA, we focus on effectively marketing homes to achieve the best results, which includes the use of professional photography, virtual tours for each of the published homes, and Home Staging for those homes that need it. In addition, we ensure that all information on the published homes is translated into multiple languages such as English, German, French, Dutch, Polish, Russian, Swedish, Norwegian, Bulgarian, and Chinese. You can find more information here. If you have reached this point in the article, it means that you are really interested in selling your house. -Now take the next step and contact us. We will be delighted to assist you and provide you with all the information you need to put your house up for sale without any obligation. Trust us and let us make your successful sales plans come true!   You can request more information or contact us at inmo@agrucasa.es Ana +34 665892847 - English, French, Polish, Ukrainian, Spanish Javier +34 616759039

WHY INVEST IN REAL ESTATE? Can you imagine traveling more, enjoying more free time, and securing your family's future? Investing in real estate can make these dreams a reality. Renting out your properties generates passive income each month, while the value of your properties increases over time. It’s one of the safest ways to build a solid financial future.   Benefits of Investing in Real Estate Passive income: Monthly rental income provides a steady cash flow that you can use to fund your projects, travel, or simply improve your quality of life. Property appreciation: Over time, real estate properties tend to increase in value. If you decide to sell in the future, you could make a profit compared to the purchase price. Diversification: Reduce the risk of your investments by diversifying into a tangible and stable asset like real estate, which is not linked to the performance of financial markets. Financing: You have the option to finance part of the purchase through mortgage loans, allowing you to keep your capital intact and increase your investment capacity. Start Your Investment Today   BUYING A PROPERTY TO RENT Investing in a property to rent is an excellent option for generating long-term passive income and has been a popular choice for a long time. But before diving into investment, you need to be clear about how much money you can save and understand the key aspects of financing.   Savings Capacity and Financing Opting for a mortgage when buying a rental property helps you avoid depleting your capital and allows you to use borrowed funds to finance part of the investment instead of relying solely on your own resources. By using financing strategically, you can acquire more properties or higher-quality homes. Your savings capacity will determine how many properties you can acquire in the coming years and at what pace. It's important to avoid depleting your capital completely when buying a property, so financing the purchase might be the best strategy. Keep in mind that for a second property, whether for rental or as a vacation home, banks consider this transaction riskier than buying a primary residence. Therefore, they usually finance between 50% and 75% of the property's value, with repayment terms typically not exceeding 25 years. This means you will need to provide more initial capital and possibly face a higher interest rate than on a mortgage for a primary residence.   Associated Costs In addition to the initial capital, you will need to cover taxes and costs associated with the purchase. In the Valencian Community, the property transfer tax is 10% of the property's value, although this percentage varies by autonomous community. Additionally, there are notary and registration fees, as well as other additional costs related to financing, such as insurance.   Limited Savings Capacity If your savings capacity is limited but you have some money saved and would like to invest in a rental property, the first thing you should do is request a personalized financial study from your bank. Everyone has a different financial situation, and factors such as the ability to secure the loan with another property or having high income can influence the amount of money the bank will lend you. The interest rate is usually lower on operations with more limited risk. With this study, the bank will indicate the type of property you can purchase, the maximum price you can afford, and most importantly, the monthly payment you will need to make. With this information, you can compare the rental income you could receive from a property to the mortgage payment you will need to make. Evaluate if the rental income covers the mortgage payment and associated costs, such as community fees (if the property is part of a homeowners' association), contributions, and other costs that may arise and are not the tenant's responsibility. Remember, if you acquire a property with a 10-year loan, you might generate few benefits until the loan is paid off. It's a long-term investment. To understand better, look at this example which you can adapt to any amount Imagine you buy a property for €150,000 and provide 50% of the value (€75,000). By the time you finish paying off the loan, you will have acquired a property worth €150,000 having only provided half of the price, as the acquisition costs (Taxes, Notary, and Registration) are the same with or without financing. Additionally, the rent you receive will cover the interest and loan payment. In the future, you might sell the property for a price higher than the purchase price, thus increasing your profitability. In this example, the annual return would be between 7% and 10%. Investors with High Savings Capacity If you have a high savings capacity, such as businesspeople, investors, athletes, or prominent personalities, investing in real estate can be an excellent way to grow your wealth. If you have sufficient capital, you can combine buying financed and non-financed properties, giving you more balance and flexibility to build a solid rental property portfolio. This strategy allows you to diversify your investments and make better use of your capital. As your properties are paid off, you will generate more income that you can reinvest in new properties, growing your wealth year after year. By buying properties this way, you will be building a more stable financial future, generating monthly income without having to work actively and letting your money work for you. A good strategy is to buy both financed and non-financed properties. This combination helps reduce the risk of relying on a single financing strategy. It is important to keep in mind that real estate investment carries certain risks. If you are ready to explore these opportunities and want personalized advice, feel free to contact me.   INVESTMENT STRATEGIES If you’re considering investing in rental properties and have saved up capital, you’re in an excellent position to start building your real estate portfolio. Below, we’ll explore various strategies to help you maximize the return on your investment.   Affordable Homes: If you choose to invest in affordable homes on the Costa Blanca, especially in Torrevieja, you might focus on 1 or 2 bedroom properties with an estimated rent between €400 and €600 per month. Consider also areas near the coast, such as Los Montesinos, Formentera, Rojales, Dolores, or Almoradí, where you might find 2-bedroom apartments at more attractive prices. Large Apartments: Another strategy is to invest in large apartments in high-demand areas with limited supply. Instead of renting out the entire property, you could rent it by the room. For example, if apartment rents in an area are around €800 per month, you could rent a 3 or 4 bedroom apartment by the room, generating between €350 and €400 per room. This model is popular among students and people who prefer to share costs. Strategic Location: Location is a key factor in any real estate investment. Consider investing in properties located in central areas, frontline beach locations, or areas with high urban demand. Such properties can command higher rents, attracting tenants willing to pay more for a prime location. New Build Investments: Investing in new build properties can be very appealing. Whether it's villas or apartments, new properties often offer higher rental returns due to their modernity and appeal to tenants. Additionally, they don’t require immediate repairs, are covered by warranties, and over the long term, their lifespan will be longer than that of a second-hand property, making them a more durable investment.   Diversification and Gradual Growth There are many more investment strategies, each focusing on different types of properties. As mentioned earlier, the ideal approach is to diversify your portfolio across various types of properties and assess which is most profitable. If this is your first time investing in rental properties, I recommend starting gradually. Purchase an initial property, rent it out, and once it begins generating passive income, consider acquiring a second property. The flexibility in this business allows you to sell properties if needed, adding great versatility to your investment portfolio.   RENTAL PROPERTY RETURNS If you have the necessary capital, acquiring properties to rent can be an excellent option. This strategy not only generates passive income but also requires minimal time dedication. In terms of profitability, annual returns typically range between 7% and 10%, making it a competitive investment. When comparing these returns with the average annual yields from fixed-term deposits in banks, which generally range between 1.5% and 4%, or the average return of a company in Spain, which is usually between 5% and 6%, investing in rental properties stands out as an interesting and solid alternative. Moreover, it offers the advantage of long-term stability and appreciation in value over the years. If you’re interested in building wealth for your future, this is a great opportunity. Contact us to start building your investment portfolio.   POTENTIAL RISKS Investing in properties is a great option for generating income, but it’s important to be aware of potential risks. The most common include rent default by tenants and illegal occupation of the property. Having a tenant who doesn’t pay and won’t leave can be a real headache if you don’t take precautions from the start. In Spain, you can reduce these risks by taking out Rental Insurance. This insurance, which typically costs about half of one month’s rent, offers comprehensive coverage for various unforeseen events. With rental insurance, you’ll be protected against non-payments, legal costs, vandalism, illegal occupations, and debts for utilities such as electricity and water. This solution provides peace of mind that your investment is protected. Get proper advice to minimize the risks of your investment. Contact us for more information and protect your assets!   THE COSTA BLANCA An Attractive Destination for International Investors Spain has established itself as one of the world’s most desired real estate destinations, thanks to its Mediterranean climate, high quality of life, and unmatched cuisine. The Costa Blanca stands out for its extensive range of properties and exceptional climate, making it an ideal option for those seeking homes in a sunny, coastal setting. The Spanish real estate market has grown steadily in recent years, largely driven by demand from international buyers. Although housing prices have risen slightly, they remain competitive compared to other European countries, making Spain an attractive option for investment. It is important for investors to understand the legal and tax requirements associated with buying properties in Spain, as these can vary by region and property type. Consulting with real estate professionals will help you make better decisions and gain different perspectives. Spain offers a safe environment and has a high-quality healthcare system; additionally, housing prices are more affordable compared to other European destinations. These factors have increased interest from international buyers looking to make real estate transactions in the Spanish market. Our property portfolio goes beyond traditional homes, including exclusive properties such as hotels, industrial warehouses, gas stations, and homes in the most prestigious areas of the Costa Blanca. This diversification allows us to offer our clients a wide range of investment opportunities. If you’re considering investing in properties in Spain, the Costa Blanca offers very interesting opportunities. At our agency, we would be delighted to provide you with our services and expertise to help you find the perfect investment.   Investing in properties is an excellent way to generate passive income and build long-term wealth. Explore your options, choose the strategy that best suits your goals, and start building your financial future. Contact Us for Personalized Advice