Learn the difference between a second home and investment property. It can affect the type of loan you get. Looking to buy a home abroad, perhaps in the Philippines? to a large and welcoming community of expatriates who enjoy the low cost of living, people, is on the island of Bohol. has beautiful colonial Spanish properties.5. Get a Better Deal on Bulk Affordable House.
Expanded capacities planned for phase 2 are dependent on continued control of COVID case incidence. See also Lt. This guidance is for consideration if the authority having jurisdiction has determined public aquatic venues can open. Due to the state of emergency declared by Gov. Greg Abbott, the state has suspended the requirement that unemployed individuals must register with the state jobs site and show they are actively applying for new jobs. Grants for restaurant workers who have been impacted by COVID The National Restaurant Association Educational Foundation has information on grants available for restaurant industry workers affected by coronavirus.
There are some qualifications for the grant based on time worked in the industry. Learn more. Job resources: There are a number of online job search boards, and some industries need additional workers now to respond to increased demands for their services. Information and links from the National Federation of Independent Business for Texas small business owners.
Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward. The administration soon will release more details including the list of lenders offering loans under the program. In the meantime, the U. Chamber of Commerce has issued this guide to help small businesses and self-employed individuals prepare to file for a loan. The main objective of this loan is to help these businesses retain their workforce and assist with other operational expenses.
Information Courtesy of Live Oak Bank. We have laid out each option so that you can carefully consider which loan makes the most sense for your business. Eligibility for one may be impacted if you receive the other, but you can either choose the Paycheck Projection Program loan or the Economic Injury Disaster Loan. Rental housing residents should get familiar with their surroundings and have a plan for what to do in the event of an emergency.
Emergency App. The app also displays shelter locations. Locate Red Cross shelters. If someone is coming to a shelter and has time to prepare, they should bring any prescription medications, extra clothing, pillows, blankets, hygiene supplies, important documents and other comfort items. If possible, they should also include any special items for children such as diapers, formula and toys, and items needed by family members with unique needs. Talk to everyone in your household about what to do if a flood occurs.
Decide where you would meet and who you would contact in case of flooding. Assemble and maintain an emergency preparedness kit. Listen to area radio and television stations for possible flood warnings and reports of flooding in progress. People should get their disaster kits ready. Include a gallon of water per person—enough for three days, three-day supply of non-perishable food, a flashlight and extra batteries, a hand crank weather radio, first aid kit, medications, personal hygiene items, extra cash, cell phone and chargers, family and emergency contact information, copies of important papers and a map of the area.
More details on what to include are available here. Listen to your local radio and TV stations for updated flood information. When a flood or flash flood warning is issued for your area, head for higher ground and stay there.
Just six inches of fast-flowing water can knock you over and two feet will float a car. If you come upon a flooded road while driving, turn around and go another way. If you are caught on a flooded road and waters are rising rapidly around you, get out of the car quickly and move to higher ground.
Stay out of areas subject to flooding. Underpasses, dips, low spots, canyons, washes, etc. Texas Department of Housing and Community Affairs resources for listing and finding affordable reduced rent housing options. State and federal assistance information. Sheltering and immediate assistance available Department of Homeland Security info.
Renters impacted by a natural disaster may wish to contact the following agencies for information and assistance:. Find a Disaster Recovery Center.
Learn more about SBA disaster recovery loans. Find out how to apply for SBA disaster recovery loans. At most rental properties, rent is due on the first of the month. Under Texas Apartment Association leases, rent is still due even if the property is damaged or needs repairs, though property owners can make allowances at their discretion. If you have a question about your rent during the aftermath of a natural disaster or catastrophe that has damaged your residence, contact your property owner or manager as soon as possible to discuss your circumstances and get more information.
If a rental property owner believes that catastrophic damage is substantial, or that taking care of needed repairs poses a danger to residents, Paragraph If your lease is terminated under these circumstances, the property owner is obligated to refund prorated rent and all deposits, less lawful deductions.
Property owners may also remove personal property if it causes a health or safety hazard. Under Section The owner can also terminate the lease if the premises are totally unusable. If the premises remain totally unusable after a catastrophe, a resident cannot be forced to stay and the resident can terminate the lease—even if the owner is making every effort to promptly repair the premises.
Similarly, a resident cannot stop an owner from terminating the lease if the premises are totally unusable. But a resident is entitled to a proportionate rent deduction unless otherwise agreed in a written lease. In paragraph 26 of the TAA Lease Contract, the lease language clearly states that rent will not abate under any circumstances, including a circumstance such as a flood.
Therefore, owners have no legal duty under the Texas Property Code or the lease to give a rent reduction because of partially unusable premises. However, there is also nothing preventing owners from offering a deduction, if they wish to do so.
If a resident unlawfully abandons the unit, the resident is responsible under paragraph 14 of the TAA Lease Contract for all rent through the end of the lease term.
However, if the owner is able to relet the premises, the owner has to credit the amount of rent received from a future resident against what the former resident owed. Of course, if the resident terminates the lease because the entire dwelling is unusable, the resident is not liable for rent after the termination date.
Under state statute Texas Property Code, Section Additionally, paragraph 26 of the TAA Lease Contract specifically states that the owner has the right to turn off utilities as needed to avoid property damage or to perform work.
If utilities are off for a long period, for example when the utility company cannot provide the service, the law and remedies are unclear. The property owner may exercise rights under paragraph 28 of the TAA Lease Contract, which allows entry into a unit according to the procedures set forth in the paragraph for reasonable business purposes, including removing health or safety hazards.
If no one is in the dwelling, an owner may enter for any of the reasons listed in paragraph 28, but must leave written notice of entry in a conspicuous place in the dwelling immediately after entering preferably taped to the inside of the main entry door. Once you find a place where you want to live, you will be required to fill out a rental application. You will be charged a non-refundable application fee to cover the cost of verifying your credit, rental history, etc.
The owner is required to make such rental criteria available to you. If you know that you do not meet the criteria, you might rethink submitting an application to rent at that property. An application deposit may also be required.
This deposit is applied toward your security deposit if your application is approved. If not, the deposit is refundable in most cases. However, depending on the application you fill out, the deposit may not be refunded for reasons such as if your application is approved but you decide not to move in, or you fail to tell the truth on your application.
If an owner acts in bad faith and fails to return an application deposit, the owner may be liable under Texas law. Texas law provides that unless notified of acceptance, a rental applicant will be presumed to be rejected at the end of the seventh day after the owner receives a completed rental application. If the seventh day falls on a weekend or holiday, the deadline for notifying an applicant of acceptance is extended until the end of the next business day.
Most disagreements between residents and rental housing owners or managers occur because of misunderstandings about the obligations taken on by each party when an apartment or other rental housing is leased. Keep a copy of the lease signed by you and the owner or manager, as well as any community policies or rules. Under Texas law you have a right to receive a copy of your lease.
Make a checklist of the condition of the property and any furnishings when you move in. Most properties will provide you with an inventory and condition form. Sign it, have the manager sign it and keep a copy. This will be helpful if there is a dispute over deductions for repairs when you move out. Keep your rent payment current. Even if you have a dispute, you should not withhold rent since that could make you subject to eviction.
English Spanish. For more information, contact your insurance agent or the Texas Department of Insurance. Check your lease for provisions outlining when the owner or manager may enter your unit, regardless of whether you are home. If the lease requires management to make repairs, submit all repair requests in writing and keep a dated copy. In most cases, the owner must repair security devices or any condition that materially affects the health or safety of an ordinary resident.
Instead of giving two separate written notices, you can give a single notice if it meets certain standards provided under state law. Specific procedures must be followed for statutory remedies, and disregarding those procedures can expose you to a civil damages suit against you by the owner. Repairs of problems resulting in mere discomfort or inconvenience are not covered by the statute. All rental dwellings must have smoke alarms installed by the owner.
Hearing-impaired residents may also request installation of visual smoke alarms. You are responsible for replacing batteries during your lease term and checking to make sure that the smoke alarm is working.
It is against the law to disable or disconnect a smoke alarm or to remove working batteries without replacing them. Anyone who disables a smoke alarm may also be responsible for damages if a fire occurs. Texas law requires that rental dwellings have certain security devices. For example, exterior doors must generally have a doorknob lock or a keyed deadbolt, a keyless lock with certain exceptions for elderly or disabled residents and a peephole.
Sliding glass doors must have a pin lock and a security bar or door handle latch. Texas law also requires the owner to rekey all exterior door locks between the time the prior resident moved out and the seventh day after you move in. If the owner fails to install or rekey security devices, you have the right to do so and deduct the reasonable cost from your next rent payment. Subject to some limitations, you may also request security devices to be added, changed or rekeyed, but you must pay for them unless the device is required by statute when occupancy begins.
On occasion you may want to find out the name and address of the owner or the management company that is responsible for the property. Make sure you comply with whatever notice requirements are in the lease for moving at the end of your lease. Be sure to provide this notice in writing. Most leases require at least 30 days and often longer notice.
You may also be responsible for a reletting fee if the lease provides for one. This fee is a liquidated amount for damages to compensate the owner for the time and expense incurred in finding a new resident. Members of the military or new enlistees may be eligible to terminate their lease without penalty if deployed or receiving a permanent change of station.
Victims of domestic violence or sexual assault may also be able to terminate their lease without penalty, upon showing certain proof to the property owner. A security deposit helps cover any damages or unpaid money you may owe the property owner at the end of your lease. The Iberian country is one of the best transport hubs in the world due to its convenient geographical location. Whether you plan on shipping your belongings by air freight, train, sea, or by land, you should be well covered with many options to choose from.
In general, whether your shipped belongings arrive at a habor or airport in Spain, they will have to go through Spanish customs. If you have nothing to declare, this process is easy, but if you are carrying any items that are forbidden or restricted by customs, you need to declare them.
As a general rule, make sure you only bring items up to the allowed quantities, and bring all the necessary permits, to avoid setbacks at the border. Moving to Spain with pets is fairly simple. There are not many vaccinations required.
All animals need to show proof of a recent rabies shot, no matter where you are coming from. Because dogs, cats, and ferrets under three months of age are not vaccinated against rabies, they are not allowed to enter the country, so keep that in mind when planning your move. Wondering how to get a visa and work permit for Spain?
This section of the guide covers everything you need to know on the visa application process and the requirements for Spain. As an EU citizen, you can travel and live freely within the Schengen territory for three months.
After that time, you will need to register with the local authorities. As a citizen of a non-EU country, the process is more complicated. To enter Spain, you will need a short-term Schengen visa that is valid for 90 days in a day period. If you plan on staying longer, you will need to apply simultaneously for a long-term visa.
To apply for a Spanish visa, you will need to meet some requirements such as a proof of sufficient financial funds, a clean criminal record, and an overall good health certificate. Visa costs vary depending on your nationality, as well as the type of visa you apply for. Other nationalities pay less. Renting accommodation in Spain is not always a straightforward process. Buying a house as a foreigner might even be simpler than renting.
In this section, we will cover all aspects of how to rent or buy a house in Spain as an expat; from property prices to tenancy rights, average rent, house prices, and utilities Spain. The good news for all expats who are thinking of purchasing property in Spain is that there are no restrictions on property ownership for foreigners. If you want to rent a house or an apartment, keep in mind the cardinal rule of housing in Spain: Never accept a spoken agreement and demand a written contract.
In general, Spanish law is on the side of the tenants, protecting their rights. Yet, it is not uncommon for landlords to ask you to provide proof of sufficient financial means or for a guarantor to sign the contract with you. In this detailed guide, you will learn about the different types of houses, and the requirements you need to fulfil, if you plan on renting or purchasing a home in Spain. Rent prices vary greatly depending on where you want to live.
Naturally, big cities, such as Barcelona and Madrid are much pricier than Valencia or Bilbao. If you do not know which city to call home-away-from-home yet, get inspired by our Best Places To Live in Spain guide. In this guide we cover the Spanish healthcare system in detail.
From how to apply for health insurance in Spain, to how to find a doctor, as well as what to consider when giving birth in Spain, in terms of the process of finding a specialized medical practitioner and what medical care to expect.
Public healthcare in Spain is free and includes primary care services such as family medicine, paediatric, nursing services, midwives, and physiotherapists, as well as emergency and diagnosis prevention services. Adult dental care, correction glasses and some orthopaedic services, as well as pharmaceutical costs are not free. Costs will vary depending on your income. If you are a legal, working resident in Spain, you are eligible for public healthcare and need to register at the local Social Security to get your health card tarjeta sanitaria individual.
The healthcare and social security system in Spain is so good that it is practically impossible to not have healthcare. If you are not eligible to any type of public healthcare, you can opt for a pay-in-scheme at a minimum rate of 60 EUR 67 USD per month. Opening a bank account in Spain is not a difficult process. Both Spanish residents and non-residents need to file a tax return at the end of each term.
If you are a non-resident, you only need to pay taxes on your Spanish income unless you have worked in Spain longer than days a year. Are you wondering how much is the tax in Spain? That depends on the type of tax. If you plan on being self-employed in Spain, it is important to consider what the tax rate is to understand the real value of your salaries or profits. If you are relocating to Spain with your family, you might want to consider enrolling your children in international schools.
The education system in Spain has some peculiarities. Secondary school is divided into three compulsory years and two additional voluntary years called Bachillerato. School is only mandatory until the age of 16, hence the three compulsory years of secondary school. However, most Spanish students want to attend university and for that they need the Bachillerato. The school system in Spain is made up of public, semi-private and private schools. The latter including the best international schools in the country.
These usually allow kids to follow an internationally recognized curriculum with English as the primary teaching language and the local language as a foreign taught language. A fundamental part of your relocation to Spain is work.
In this guide, you will find helpful insights on how to get a job in Spain, the Spanish job market, requirements to work in Spain, tips for interviews, business culture and information on the average salary in Spain. In general, integration into the Spanish job market is easier if you speak Spanish, but speaking English is a good asset as well. If you are a non-EU national, you will need a work and residence visa to work in the country.
To get these, you will need a job contract with a Spanish employer. Also, a foreigner is only hired in Spain if the occupation is listed as a shortage occupation.