Urbanizacion and Community Fees:
Controlled by the committee of owners and covering the running and maintenance costs of shared facilities which can include private roads, drains, lighting, private water supplies, gardens, swimming pools etc. These costs vary considerably.

Local Rates - Patrimonia
All non-residents have to pay wealth tax, 'Patrimonia', based on the amount on the Escritura Publica or the Valor Catastral, which ever is the highest value. Vary. 0.2% is typical.

Property Tax
The local town hall charge IBI on owned Property (tax Impuesto sobre Bienes Inmuebles), which is an annual real estate tax. This local tax varies and is based on the Catastral value of the property.

Insurances
Fire insurance is compulsory by law when taking out a mortgage. Comprehensive household insurance is available to protect your home and contents. Life insurance can be taken out to guarantee payment of the loan in the case of death. 0.5% to 1% of value.

Water and Electricity
Utilities have a standing charge and the charges for consumption are in addition to this. The costs are similar to the UK and Ireland.

Telephone
The standard charge for a telephone line installation from Telephonica is around 180 Euros. The line rental and call charges are then payable every two months.

Tax on Rental Income
Britain and Ireland have a double taxation treaty with Spain. Tax is paid on the declared income from the property and your rental income must also be declared to the inspector of taxes in Britain or Ireland.

Fiscal Representative
(Gestor) to manage tax returns etc as a non-resident in Spain (approx. 60 Euro)

Basura
BIn some areas you will have to pay the Basura (for rubbish disposal) separately, in other areas it is included in the IBI.