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Buy cheap secondary housing in spain

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104 m2 | 8 bedrooms | 7 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Learn the difference between a second home and investment property. It can affect the type of loan you get. At the North Carolina Housing Finance Agency, we are dedicated to providing home buyers with safe, stable mortgages and down payment help that make home ownership affordable. to 5 percent of the loan amount that can help first-​time and move-up buyers get into a new home. Home Buyer Interest Form (​Spanish). Making housing more flexible and affordable Policy interventions in housing and the sharp drop in house prices (Palomares-Linares and Van Ham, ).

That depends entirely on how you define hard and where you originally come from. EU nationals, or people with a permanent residency in an EU member country, will find the process of moving to Spain to be fairly easy. This is because there are less bureaucratic steps. However, that does not mean people from outside of the EU need to feel discouraged already. If living in the country of churros, tapas and tinto de verano is your dream, then this guide will provide you with all the things you need to know when moving to Spain; from obtaining a visa, work permit to navigating the housing market, finding good schools to opening up a bank account and filing a tax return.

The work-life balance and general quality of life are just few of the benefits of moving to in Spain. Yet, there is more to the sunny weather, wide beaches, and good food in Spain. The relaxed work culture, excellent international schools, and free quality public healthcare are just a few perks of this incredible southern European country.

Read on to find out more about Spain and why moving there might be your best. Whether you are moving abroad for the first time or relocated multiple times before, the process raises many questions. Our complete guide to relocation will ease your doubts along the way, from the initial preparations to how to negotiate a relocation package, we help you GO!

Whether you are moving abroad for the first time or have relocated multiple times before, the process of moving to Spain raises many questions. Our complete guide to relocating will ease your doubts along the way. We include everything you need to know when moving to Spain such as the initial preparations on how to negotiate a relocation package. We help you GO! Shipping, moving, or storing your household goods and belongings will not be impossible in Spain.

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?

This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements. Each viewer of the aforementioned information acknowledges that i the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, ii this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, iii the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and iv no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction.

The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared. All rights reserved. View Our Privacy Policy. A Self-Supporting Public Agency. Search form Search. Buying a Home in North Carolina? Discover Your Options. Search Our Lenders. Find an Agent. Browse Our Resources. Learn More! See if you are eligible today!

A normal closing period is around 45 days. Buying Your First Home? Think Buying a Home is Out of Reach?

307,000
* €/m2
Moving to Spain
294 m2 | 9 bedrooms | 2 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Today, idealista/news outlines the cheapest and best places to purchase property in Spain. Big city living; Cities on the Mediterranean coast. 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. Come to the budget property experts and let us find you a bargain | Costa Blanca.

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Search the FT Search. World Show more World. US Show more US. Remember to use that same card not only to reserve the car, but also to pay for it and any other related fees, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage.

If you get in an accident, the rental company will charge your credit card for the value of the damage up to the deductible amount or, if the vehicle is stolen, the value of the deductible associated with theft. It's then up to you to seek reimbursement for these charges from your credit-card company when you get home.

You'll need to submit the police report and the car-rental company's accident report. When deciding between rental companies, consider that American-based rental companies can be easier to work with if you have a claim to resolve.

Be warned that, as far as some rental companies are concerned, by declining their CDW offer, you're technically liable for the full deductible which can equal the cost of the car. Because of this, the car-rental company may put a hold on your credit card for the full value of the car.

This is bad news if your credit limit is low — particularly if you plan on using that card for other purchases during your trip. Consider bringing two credit cards — one for the rental car, the other for everything else. If you don't have enough credit on your card to cover the car's value, the rental company may require you to purchase their CDW.

Since most credit card companies don't offer collision insurance to European cardholders, counter agents — especially those unaccustomed to American clients — may be skeptical that declining their CDW is a prudent move all the more reason to have hard-copy proof of your credit-card coverage on hand. Don't be surprised if you hear a warning about how credit cards provide only "secondary" coverage — that's moot as long as you've declined the rental company's coverage.

By clearly understanding the coverage from your credit-card company, you can ward off a hard sell on the rental-company CDW. If you're already purchasing a travel-insurance policy for your trip, adding collision coverage is an option.

Travel Guard , for example, sells affordable renter's collision insurance as an add-on to its other policies. It's valid everywhere in Europe except the Republic of Ireland, and some Italian car-rental companies refuse to honor it. If you do go with an insurer's comprehensive travel coverage, be sure to add the insurance company's name to your rental agreement when you pick up the car.

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.

403,000
* €/m2
219 m2 | 1 bedrooms | 1 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Articles about real estate | Prices for «secondary housing» in Spain stabilized The cheapest areas to buy property in Spain - Castile-La Mancha (€ ). In liberal welfare states, the recent upswing of buy-to-let landlordism is a Keywords: Secondary property ownership, housing wealth, life course, properties do not comply with the stereotypical small and cheap holiday. Here are Halo Financial's best places to buy a property in Europe That makes it on average three times cheaper than Porto and six The motivation of buyers is also changing from secondary residences to investment.

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.

Do you need down payment assistance? We offer financing options through participating lenders statewide. Get started with our searchable lender database. Reference should be made to the official statement and operative documents of each series of bonds referred to herein for complete information on that issue.

Because of the possibility of human and mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and no representation or warranty, expressed or implied, is made, nor should any be inferred, as to the accuracy, timeliness, or completeness of this information.

Under no circumstances shall North Carolina Housing Finance Agency have any liability to any person or entity for a any loss or damage in whole or part caused by, resulting from, or relating to any error on account of neglect or otherwise or other circumstance involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, transmitting, communicating or delivering this information, or b any direct, indirect, special, consequential, or incidental damages whatsoever, even if North Carolina Housing Finance Agency is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information.

This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements. Each viewer of the aforementioned information acknowledges that i the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, ii this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, iii the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and iv no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction.

The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared. All rights reserved. View Our Privacy Policy. FT print edition delivered Monday - Saturday along with ePaper access.

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Full Terms and Conditions apply to all Subscriptions. Learn more and compare subscriptions.

598,000
* €/m2
278 m2 | 4 bedrooms | 4 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Find Cheapest Property In Spain. We will Help you. Visit us! Making housing more flexible and affordable Policy interventions in housing and the sharp drop in house prices (Palomares-Linares and Van Ham, ). At the North Carolina Housing Finance Agency, we are dedicated to providing home buyers with safe, stable mortgages and down payment help that make home ownership affordable. to 5 percent of the loan amount that can help first-​time and move-up buyers get into a new home. Home Buyer Interest Form (​Spanish).

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. If you plan on becoming self-employed in Spain, this section covers all the requirements for registering your business, what Spanish social security benefits to expect, and maternity and paternity leave for self-employment.

Before relocating to Spain, get acquainted with the culture and lifestyle of your home-away-from-home. The country is overall friendly and open to foreigners. Yet, it is good to know what to expect, before living there. There are many pros and cons to living in Spain.

The weather, food, and nature are amazing. The healthcare system is top-notch and locals are welcoming. However, the high unemployment rate and language barriers are valid downsides and need not be taken lightly. The cost of living in Spain is not as high as in other big EU countries.

Generally, the prices in southwestern Europe, such as Portugal and Spain, tend to be cheaper than in Central or Northern Europe.

Spain puts a lot of emphasis on a work-life balance. Although the concept of siesta is outdated in big cities, people like to take long lunch breaks to relax. Eating in the metro or at your desk at work is highly frowned upon, as Spanish people place a lot of importance on meals. Make sure you are equipped for driving in Spain.

Start here. Overview Tap to see all guide sections. Relocation Services. Home Spain. A Comprehensive Guide on Relocating to Spain. Relocating Whether you are moving abroad for the first time or relocated multiple times before, the process raises many questions.

Read Guide. Need to Relocate? Get started. Housing Renting accommodation in Spain is not always a straightforward process. Healthcare In this guide we cover the Spanish healthcare system in detail.

Ready to Move and Live Abroad? By paying with the right credit card, you get zero-deductible collision coverage comparable to "super" CDW …likely for free. In other words, if your car is damaged or stolen, your credit card will cover whatever costs you're liable for. The only major downside: If you do end up in an accident, dealing with credit-card coverage can be more of a hassle than what you'd encounter with the car-company CDW.

But if a potential headache seems like a worthwhile trade-off for certain — and significant — cost savings, look into this option. To make this work, first double-check that your credit card does indeed offer this coverage Visa, MasterCard, and American Express usually do — but not Discover. Remember that restrictions apply and coverage varies between issuers: Get a complete description of the coverage offered by your credit-card company.

Have them explain the worst-case scenario to you. It can be smart to ask for a "Letter of Coverage" — take a hard copy of it with you to the rental counter in Europe. Once you've confirmed your credit card's coverage, be sure to decline the CDW offered by your car-rental company. If you accept any coverage offered by the rental agency, you automatically forego your credit-card coverage. A credit card's collision coverage applies even if the damage happens while the car is being driven by someone else, as long as that other driver, and the cardholder, are both listed as drivers on the rental contract.

Remember to use that same card not only to reserve the car, but also to pay for it and any other related fees, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage. If you get in an accident, the rental company will charge your credit card for the value of the damage up to the deductible amount or, if the vehicle is stolen, the value of the deductible associated with theft.

It's then up to you to seek reimbursement for these charges from your credit-card company when you get home. You'll need to submit the police report and the car-rental company's accident report. When deciding between rental companies, consider that American-based rental companies can be easier to work with if you have a claim to resolve.

Be warned that, as far as some rental companies are concerned, by declining their CDW offer, you're technically liable for the full deductible which can equal the cost of the car. Because of this, the car-rental company may put a hold on your credit card for the full value of the car. This is bad news if your credit limit is low — particularly if you plan on using that card for other purchases during your trip. Consider bringing two credit cards — one for the rental car, the other for everything else.

If you don't have enough credit on your card to cover the car's value, the rental company may require you to purchase their CDW. Since most credit card companies don't offer collision insurance to European cardholders, counter agents — especially those unaccustomed to American clients — may be skeptical that declining their CDW is a prudent move all the more reason to have hard-copy proof of your credit-card coverage on hand.

Don't be surprised if you hear a warning about how credit cards provide only "secondary" coverage — that's moot as long as you've declined the rental company's coverage. By clearly understanding the coverage from your credit-card company, you can ward off a hard sell on the rental-company CDW. If you're already purchasing a travel-insurance policy for your trip, adding collision coverage is an option. Travel Guard , for example, sells affordable renter's collision insurance as an add-on to its other policies.

479,000
* €/m2
248 m2 | 8 bedrooms | 9 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
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. Buying. in. Spain. The UK Government's Office of National Statistics says some The best bargainsand cheapest homes are notalways the best investments. many years ago, soany newbuilds today are often in poor secondary locations. Property in Spain secondary market - Buy property in Spain by the sea | WTG Spain - Buying Property in Spain! Inexpensive, luxury, by the sea ✈ Property.

This order will expire July 25 unless extended. To help determine if your property is covered under the CARES Act, check these searchable databases Note: these do not include single-family properties, TAA is providing these as a resource but can not verify accuracy :.

National Low Income Housing Coalition. National Housing Preservation Database. Evictions may still be filed, but will not be heard until after May Writs of possession will not be executed until after May The order applies statewide.

This order was first extended on April 6 to delay evictions through April 30, with no writs executed until after May 7. Read our full statement on the March 19 original order. On May 5, Gov. While the order covers many areas, provisions regarding pools and gyms may be of particular interest to rental housing providers.

Social distancing measures are still required, which may limit capacity during the phase-in process. 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. Get started with our searchable lender database.

Reference should be made to the official statement and operative documents of each series of bonds referred to herein for complete information on that issue.

Because of the possibility of human and mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and no representation or warranty, expressed or implied, is made, nor should any be inferred, as to the accuracy, timeliness, or completeness of this information. Under no circumstances shall North Carolina Housing Finance Agency have any liability to any person or entity for a any loss or damage in whole or part caused by, resulting from, or relating to any error on account of neglect or otherwise or other circumstance involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, transmitting, communicating or delivering this information, or b any direct, indirect, special, consequential, or incidental damages whatsoever, even if North Carolina Housing Finance Agency is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information.

This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements. Each viewer of the aforementioned information acknowledges that i the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, ii this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, iii the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and iv no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction.

The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared. All rights reserved. View Our Privacy Policy. A Self-Supporting Public Agency. Search form Search. Buying a Home in North Carolina? Discover Your Options. Search Our Lenders. Find an Agent. Browse Our Resources. Learn More!

815,000
* €/m2
175 m2 | 7 bedrooms | 2 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Baseline rates for European rentals nearly always include liability coverage — for Buy a "collision damage waiver" (CDW) through the car-rental company with theft/loss insurance as part of an inclusive rental rate — and it's often cheaper to a warning about how credit cards provide only "secondary" coverage — that's. Making housing more flexible and affordable Policy interventions in housing and the sharp drop in house prices (Palomares-Linares and Van Ham, ). Get a Better Deal on Bulk Affordable House.

Pay based on use. Group Subscription. All the benefits of Premium Digital plus: Convenient access for groups of users Integration with third party platforms and CRM systems Usage based pricing and volume discounts for multiple users Subscription management tools and usage reporting SAML-based single sign on SSO Dedicated account and customer success teams.

Full Terms and Conditions apply to all Subscriptions. Learn more and compare subscriptions. Or, if you are already a subscriber Sign in. Close drawer menu Financial Times International Edition. Search the FT Search. World Show more World. US Show more US. Companies Show more Companies. Markets Show more Markets. Given these costs, the alternatives to paying for the rental company's CDW are worth considering: credit-card coverage or collision coverage through your travel-insurance provider.

Car-company CDW surcharges can seem like a racket when you consider that most American credit cards already include collision coverage. By paying with the right credit card, you get zero-deductible collision coverage comparable to "super" CDW …likely for free. In other words, if your car is damaged or stolen, your credit card will cover whatever costs you're liable for.

The only major downside: If you do end up in an accident, dealing with credit-card coverage can be more of a hassle than what you'd encounter with the car-company CDW. But if a potential headache seems like a worthwhile trade-off for certain — and significant — cost savings, look into this option. To make this work, first double-check that your credit card does indeed offer this coverage Visa, MasterCard, and American Express usually do — but not Discover.

Remember that restrictions apply and coverage varies between issuers: Get a complete description of the coverage offered by your credit-card company. Have them explain the worst-case scenario to you. It can be smart to ask for a "Letter of Coverage" — take a hard copy of it with you to the rental counter in Europe. Once you've confirmed your credit card's coverage, be sure to decline the CDW offered by your car-rental company. If you accept any coverage offered by the rental agency, you automatically forego your credit-card coverage.

A credit card's collision coverage applies even if the damage happens while the car is being driven by someone else, as long as that other driver, and the cardholder, are both listed as drivers on the rental contract. Remember to use that same card not only to reserve the car, but also to pay for it and any other related fees, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage.

If you get in an accident, the rental company will charge your credit card for the value of the damage up to the deductible amount or, if the vehicle is stolen, the value of the deductible associated with theft. It's then up to you to seek reimbursement for these charges from your credit-card company when you get home.

You'll need to submit the police report and the car-rental company's accident report. When deciding between rental companies, consider that American-based rental companies can be easier to work with if you have a claim to resolve.

Be warned that, as far as some rental companies are concerned, by declining their CDW offer, you're technically liable for the full deductible which can equal the cost of the car. Because of this, the car-rental company may put a hold on your credit card for the full value of the car. This is bad news if your credit limit is low — particularly if you plan on using that card for other purchases during your trip.

Consider bringing two credit cards — one for the rental car, the other for everything else. If you don't have enough credit on your card to cover the car's value, the rental company may require you to purchase their CDW. Since most credit card companies don't offer collision insurance to European cardholders, counter agents — especially those unaccustomed to American clients — may be skeptical that declining their CDW is a prudent move all the more reason to have hard-copy proof of your credit-card coverage on hand.

Don't be surprised if you hear a warning about how credit cards provide only "secondary" coverage — that's moot as long as you've declined the rental company's coverage. By clearly understanding the coverage from your credit-card company, you can ward off a hard sell on the rental-company CDW.

781,000
* €/m2
151 m2 | 9 bedrooms | 10 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
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.

836,000
* €/m2
156 m2 | 5 bedrooms | 3 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Come to the budget property experts and let us find you a bargain | Costa Blanca. Here are Halo Financial's best places to buy a property in Europe That makes it on average three times cheaper than Porto and six The motivation of buyers is also changing from secondary residences to investment. House. Committee on Education and Labor. Subcommittee on Elementary newspap ers in English and Spanish, radio programs in English and Spanish. the Rand (' orp reported: There might be cheaper and more el fective ways lv meet ad ding: " As long as we get our 80 per cent fof Bilingual Education Act (unds.

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. Any deduction must be listed in a written description and itemization mailed to you on or before 30 days after you leave.

However, there is no obligation that you be furnished this information if you have not paid all of your rent or if you have not given your forwarding address in writing. If you have not paid your rent or violate other provisions in your lease, you receive a notice to vacate. If a written lease states so, this notice may be given to the resident just one day before the resident is asked to move out.

If a written lease does not state otherwise, the notice must be given at least three days in advance. If you do not comply with the notice, the owner may file an eviction lawsuit in justice of the peace court. You will then be served lawsuit papers by the constable. Within days after the eviction lawsuit is filed, the justice of the peace will schedule a hearing.

Note: If you believe you have a valid defense to the eviction action, you should consider retaining an attorney. Forgot your password? Join TAA to get a member account? For members logging in for the first time, please click on the "Forgot your password? Are you a renter? Prevention The Centers for Disease Control and Prevention offers these suggestions for basic protective measures: Wash your hands often with soap and water for at least 20 seconds If soap and water are not available, use an alcohol-based hand sanitizer Avoid touching your eyes, nose and mouth with unwashed hands Avoid close contact with people who are sick Stay home when you are sick Cover your cough or sneeze with a tissue, then throw the tissue away Clean and disinfect frequently touched objects and surfaces Look to these public health organizations for the latest information on coronavirus, how to minimize risks, how to mitigate the spread of the virus, resources, FAQs and more to assist you.

Apply now. This page also includes links to federal resources. Other information for small business owners Information and links from the National Federation of Independent Business for Texas small business owners. Many utility and service providers may be suspending disconnections or offering special allowances or programs at this time.

We recommend that you check directly with your service provider if you have concerns about your service. Fire safety tips for renters. While the videos reference renters who are also students, the tips apply to any rental housing. Evacuation Shelters Locate Red Cross shelters. Heed flood warnings Listen to your local radio and TV stations for updated flood information. Be especially cautious at night when it is harder to recognize flood danger!

Disaster Preparation and Related Resources. For small businesses and most private nonprofit organizations, SBA can also offer low-interest Economic Injury Disaster Loans to cover working capital during the recovery period.

Some key points: There are no costs to apply and no obligation to accept any loan funds. We often find we can get funds in the hands of survivors before insurance settlements are received, therefore helping speed up the recovery and rebuilding process. Learn more at texasbar. Call Veterans from storm-affected areas who require immediate assistance may contact the Health Resource Center Disaster Hotline at Frequently Asked Questions After a Disaster.

Do I have to pay rent if my residence was damaged during a disaster? Can a property owner terminate a lease due to natural disaster or catastrophe?

Can the owner turn off utilities to make repairs or for other reasons? Can an owner remove my belongings after a disaster? Filling out an application to rent. Avoiding problems. The best ways to avoid problems are to: Read your lease carefully before signing. Ask questions about anything that is unclear. Put everything in writing, including agreements, notices and requests.

When the owner can enter your unit. Some reasons may include: Responding to repair requests Preventative maintenance Showing the dwelling to prospective buyers or renters, and Responding to health or safety concerns. If repairs are needed. Smoke alarms. Security devices. Owner or management company information.

This information is also available to government officials acting in an official capacity. If you need to move. Security deposits. What can be deducted from your security deposit? Any charge specified in the lease or any charge resulting from your breaking the lease. Charges for damages, wear and tear resulting from negligence, carelessness, accident or abuse on your part.

Unpaid rent and other unpaid charges listed in your lease, such as those for late rent payment, returned checks, missing furniture or fixtures, unreturned keys, etc. The reasonable cost of cleaning if you fail to properly clean before you leave. Many rental properties have written cleaning instructions for you to follow.

Answers to common questions about TAA. Does TAA regulate apartments or other rental housing in Texas? TAA is not a state agency or regulatory body. We have no regulatory or enforcement authority. We are a trade association representing rental property owners, management companies, builders, developers and companies that supply products and services to property owners, managers and developers.

I have a TAA lease. Does that mean TAA owns or manages my apartment or home? TAA does not own or manage rental housing property. Can you tell me what kind of information TAA has on my rental history? TAA does not keep rental history records on individuals.

Some TAA member companies do provide rental history screening services. This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements.

Each viewer of the aforementioned information acknowledges that i the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, ii this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, iii the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and iv no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction.

The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared. All rights reserved. View Our Privacy Policy. A Self-Supporting Public Agency. Search form Search. Buying a Home in North Carolina? Discover Your Options. Search Our Lenders. Find an Agent. 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.

If you plan on becoming self-employed in Spain, this section covers all the requirements for registering your business, what Spanish social security benefits to expect, and maternity and paternity leave for self-employment. Before relocating to Spain, get acquainted with the culture and lifestyle of your home-away-from-home. The country is overall friendly and open to foreigners. Yet, it is good to know what to expect, before living there. There are many pros and cons to living in Spain.

The weather, food, and nature are amazing. The healthcare system is top-notch and locals are welcoming. However, the high unemployment rate and language barriers are valid downsides and need not be taken lightly. The cost of living in Spain is not as high as in other big EU countries. Generally, the prices in southwestern Europe, such as Portugal and Spain, tend to be cheaper than in Central or Northern Europe. Spain puts a lot of emphasis on a work-life balance.

Although the concept of siesta is outdated in big cities, people like to take long lunch breaks to relax. Eating in the metro or at your desk at work is highly frowned upon, as Spanish people place a lot of importance on meals.

Make sure you are equipped for driving in Spain.

629,000
* €/m2
Hear it from the experts
138 m2 | 2 bedrooms | 3 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
On the other hand, having an in-law apartment to house all of your guests a mother-in-law suite (or buying a home with one) is worth the hassle and costs involved. is a secondary housing unit completely independent of the main house This is an excellent low-cost alternative to having to pay for their. When it comes to Spanish property purchase and ownership costs you need to be on top of the numbers, and do your own research. Here are the key numbers. Britain and Spain have seen crashes in house prices in past years, the Swiss The Lex Koller legislation limits how foreigners can buy property in 18 already own such a dwelling or a secondary dwelling in Switzerland.

Remember that restrictions apply and coverage varies between issuers: Get a complete description of the coverage offered by your credit-card company. Have them explain the worst-case scenario to you. It can be smart to ask for a "Letter of Coverage" — take a hard copy of it with you to the rental counter in Europe. Once you've confirmed your credit card's coverage, be sure to decline the CDW offered by your car-rental company.

If you accept any coverage offered by the rental agency, you automatically forego your credit-card coverage. A credit card's collision coverage applies even if the damage happens while the car is being driven by someone else, as long as that other driver, and the cardholder, are both listed as drivers on the rental contract.

Remember to use that same card not only to reserve the car, but also to pay for it and any other related fees, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage. If you get in an accident, the rental company will charge your credit card for the value of the damage up to the deductible amount or, if the vehicle is stolen, the value of the deductible associated with theft.

It's then up to you to seek reimbursement for these charges from your credit-card company when you get home. You'll need to submit the police report and the car-rental company's accident report. When deciding between rental companies, consider that American-based rental companies can be easier to work with if you have a claim to resolve. Be warned that, as far as some rental companies are concerned, by declining their CDW offer, you're technically liable for the full deductible which can equal the cost of the car.

Because of this, the car-rental company may put a hold on your credit card for the full value of the car. This is bad news if your credit limit is low — particularly if you plan on using that card for other purchases during your trip. Consider bringing two credit cards — one for the rental car, the other for everything else.

If you don't have enough credit on your card to cover the car's value, the rental company may require you to purchase their CDW. Since most credit card companies don't offer collision insurance to European cardholders, counter agents — especially those unaccustomed to American clients — may be skeptical that declining their CDW is a prudent move all the more reason to have hard-copy proof of your credit-card coverage on hand. Evictions may still be filed, but will not be heard until after May Writs of possession will not be executed until after May The order applies statewide.

This order was first extended on April 6 to delay evictions through April 30, with no writs executed until after May 7. Read our full statement on the March 19 original order. On May 5, Gov. While the order covers many areas, provisions regarding pools and gyms may be of particular interest to rental housing providers.

Social distancing measures are still required, which may limit capacity during the phase-in process. 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. Learn more and compare subscriptions. Or, if you are already a subscriber Sign in. Close drawer menu Financial Times International Edition. Search the FT Search. World Show more World. US Show more US. Companies Show more Companies. Markets Show more Markets.

668,000
* €/m2
Are you a renter? Here’s some helpful information about renting in Texas.
124 m2 | 1 bedrooms | 6 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Read our helpful information regarding rental housing laws, security deposits, renter's (Spanish Resources for Renters from the Texas Apartment Association​). National Assistance Act () –60 'perverse incentives' and the Housing Act () –3 rough sleeping , –5 secondary social gap in –9 Germany , growth of 50,51–2 low-cost 95, –5 middle class 52 s housing –7 rent control Right to Aquire –4, Right to Buy –3​. Britain and Spain have seen crashes in house prices in past years, the Swiss The Lex Koller legislation limits how foreigners can buy property in 18 already own such a dwelling or a secondary dwelling in Switzerland.

New customers only Cancel anytime during your trial. Sign in. Accessibility help Skip to navigation Skip to content Skip to footer. Choose your subscription. Not sure which package to choose? Try full access for 4 weeks. For 4 weeks receive unlimited Premium digital access to the FT's trusted, award-winning business news. FT print edition delivered Monday - Saturday along with ePaper access.

Team or Enterprise. Premium FT. Pay based on use. Group Subscription. 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.

Any deduction must be listed in a written description and itemization mailed to you on or before 30 days after you leave. However, there is no obligation that you be furnished this information if you have not paid all of your rent or if you have not given your forwarding address in writing. If you have not paid your rent or violate other provisions in your lease, you receive a notice to vacate. If a written lease states so, this notice may be given to the resident just one day before the resident is asked to move out.

If a written lease does not state otherwise, the notice must be given at least three days in advance. If you do not comply with the notice, the owner may file an eviction lawsuit in justice of the peace court. You will then be served lawsuit papers by the constable. Within days after the eviction lawsuit is filed, the justice of the peace will schedule a hearing. Note: If you believe you have a valid defense to the eviction action, you should consider retaining an attorney.

Forgot your password? Join TAA to get a member account? For members logging in for the first time, please click on the "Forgot your password? Are you a renter? Prevention The Centers for Disease Control and Prevention offers these suggestions for basic protective measures: Wash your hands often with soap and water for at least 20 seconds If soap and water are not available, use an alcohol-based hand sanitizer Avoid touching your eyes, nose and mouth with unwashed hands Avoid close contact with people who are sick Stay home when you are sick Cover your cough or sneeze with a tissue, then throw the tissue away Clean and disinfect frequently touched objects and surfaces Look to these public health organizations for the latest information on coronavirus, how to minimize risks, how to mitigate the spread of the virus, resources, FAQs and more to assist you.

Apply now. This page also includes links to federal resources. Other information for small business owners Information and links from the National Federation of Independent Business for Texas small business owners.

Many utility and service providers may be suspending disconnections or offering special allowances or programs at this time. We recommend that you check directly with your service provider if you have concerns about your service. Fire safety tips for renters. While the videos reference renters who are also students, the tips apply to any rental housing.

Evacuation Shelters Locate Red Cross shelters. Heed flood warnings Listen to your local radio and TV stations for updated flood information. Be especially cautious at night when it is harder to recognize flood danger! Disaster Preparation and Related Resources. For small businesses and most private nonprofit organizations, SBA can also offer low-interest Economic Injury Disaster Loans to cover working capital during the recovery period.

Some key points: There are no costs to apply and no obligation to accept any loan funds. We often find we can get funds in the hands of survivors before insurance settlements are received, therefore helping speed up the recovery and rebuilding process. Learn more at texasbar. Call Veterans from storm-affected areas who require immediate assistance may contact the Health Resource Center Disaster Hotline at Frequently Asked Questions After a Disaster. Do I have to pay rent if my residence was damaged during a disaster?

Can a property owner terminate a lease due to natural disaster or catastrophe? Can the owner turn off utilities to make repairs or for other reasons? Can an owner remove my belongings after a disaster?

Filling out an application to rent. Avoiding problems. The best ways to avoid problems are to: Read your lease carefully before signing. Ask questions about anything that is unclear. Put everything in writing, including agreements, notices and requests. When the owner can enter your unit. Some reasons may include: Responding to repair requests Preventative maintenance Showing the dwelling to prospective buyers or renters, and Responding to health or safety concerns.

942,000
* €/m2
128 m2 | 10 bedrooms | 2 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Find Cheapest Property In Spain. We will Help you. Visit us! Chantel Ray Real Estate — Affordable houses in your area. Call now! 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.

There's a huge comfort in knowing you can bring your car back in an unrecognizable shamble and say, "Sorry, I'm new in this country. In this case, it's not an optional extra, so you can't decline it. Given these costs, the alternatives to paying for the rental company's CDW are worth considering: credit-card coverage or collision coverage through your travel-insurance provider. Car-company CDW surcharges can seem like a racket when you consider that most American credit cards already include collision coverage.

By paying with the right credit card, you get zero-deductible collision coverage comparable to "super" CDW …likely for free. In other words, if your car is damaged or stolen, your credit card will cover whatever costs you're liable for. The only major downside: If you do end up in an accident, dealing with credit-card coverage can be more of a hassle than what you'd encounter with the car-company CDW.

But if a potential headache seems like a worthwhile trade-off for certain — and significant — cost savings, look into this option. To make this work, first double-check that your credit card does indeed offer this coverage Visa, MasterCard, and American Express usually do — but not Discover.

Remember that restrictions apply and coverage varies between issuers: Get a complete description of the coverage offered by your credit-card company. Have them explain the worst-case scenario to you. It can be smart to ask for a "Letter of Coverage" — take a hard copy of it with you to the rental counter in Europe.

Once you've confirmed your credit card's coverage, be sure to decline the CDW offered by your car-rental company. If you accept any coverage offered by the rental agency, you automatically forego your credit-card coverage. A credit card's collision coverage applies even if the damage happens while the car is being driven by someone else, as long as that other driver, and the cardholder, are both listed as drivers on the rental contract. Remember to use that same card not only to reserve the car, but also to pay for it and any other related fees, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage.

If you get in an accident, the rental company will charge your credit card for the value of the damage up to the deductible amount or, if the vehicle is stolen, the value of the deductible associated with theft. Let one help you find the best options for the home of your dreams!

We offer many great resources for potential home buyers such as blogs, fliers, infographics, videos and more to help you understand the ins and outs of home buying. Do you need down payment assistance? We offer financing options through participating lenders statewide. Get started with our searchable lender database. Reference should be made to the official statement and operative documents of each series of bonds referred to herein for complete information on that issue.

Because of the possibility of human and mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and no representation or warranty, expressed or implied, is made, nor should any be inferred, as to the accuracy, timeliness, or completeness of this information.

Under no circumstances shall North Carolina Housing Finance Agency have any liability to any person or entity for a any loss or damage in whole or part caused by, resulting from, or relating to any error on account of neglect or otherwise or other circumstance involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, transmitting, communicating or delivering this information, or b any direct, indirect, special, consequential, or incidental damages whatsoever, even if North Carolina Housing Finance Agency is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information.

This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements. Each viewer of the aforementioned information acknowledges that i the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, ii this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, iii the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and iv no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction.

The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared. 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.

980,000
* €/m2
253 m2 | 5 bedrooms | 1 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
House. Committee on Education and Labor. Subcommittee on Elementary newspap ers in English and Spanish, radio programs in English and Spanish. the Rand (' orp reported: There might be cheaper and more el fective ways lv meet ad ding: " As long as we get our 80 per cent fof Bilingual Education Act (unds. When it comes to Spanish property purchase and ownership costs you need to be on top of the numbers, and do your own research. Here are the key numbers. LUXURY PROJECTS: Dyar Shemsi, a real estate group that markets its developments to The Spanish group Marina d'Or, which has invested approximately €m in “European retirees, mainly French, have started to buy houses in cities such as The increasing demand for secondary houses that knew the real estate.

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. 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.

If you plan on becoming self-employed in Spain, this section covers all the requirements for registering your business, what Spanish social security benefits to expect, and maternity and paternity leave for self-employment. Before relocating to Spain, get acquainted with the culture and lifestyle of your home-away-from-home.

The country is overall friendly and open to foreigners. Yet, it is good to know what to expect, before living there.

There are many pros and cons to living in Spain. The weather, food, and nature are amazing. The healthcare system is top-notch and locals are welcoming.

However, the high unemployment rate and language barriers are valid downsides and need not be taken lightly. The cost of living in Spain is not as high as in other big EU countries. Accessibility help Skip to navigation Skip to content Skip to footer. Choose your subscription. Not sure which package to choose? Try full access for 4 weeks. For 4 weeks receive unlimited Premium digital access to the FT's trusted, award-winning business news. FT print edition delivered Monday - Saturday along with ePaper access.

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100,000
* €/m2
Resources for Drivers
246 m2 | 7 bedrooms | 2 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
in demand for secondary housing, local residents have been crowed out of their Land and housing prices have multiplied in recent years, often several times over, in many Spanish rural areas experiencing strong pressures from tourism. Property in Spain secondary market - Buy property in Spain by the sea | WTG Spain - Buying Property in Spain! Inexpensive, luxury, by the sea ✈ Property. House. Committee on Education and Labor. Subcommittee on Elementary newspap ers in English and Spanish, radio programs in English and Spanish. the Rand (' orp reported: There might be cheaper and more el fective ways lv meet ad ding: " As long as we get our 80 per cent fof Bilingual Education Act (unds.

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. Any deduction must be listed in a written description and itemization mailed to you on or before 30 days after you leave. However, there is no obligation that you be furnished this information if you have not paid all of your rent or if you have not given your forwarding address in writing.

If you have not paid your rent or violate other provisions in your lease, you receive a notice to vacate. If a written lease states so, this notice may be given to the resident just one day before the resident is asked to move out. If a written lease does not state otherwise, the notice must be given at least three days in advance. If you do not comply with the notice, the owner may file an eviction lawsuit in justice of the peace court.

You will then be served lawsuit papers by the constable. Within days after the eviction lawsuit is filed, the justice of the peace will schedule a hearing. Note: If you believe you have a valid defense to the eviction action, you should consider retaining an attorney. Forgot your password? Join TAA to get a member account? For members logging in for the first time, please click on the "Forgot your password?

Are you a renter? Prevention The Centers for Disease Control and Prevention offers these suggestions for basic protective measures: Wash your hands often with soap and water for at least 20 seconds If soap and water are not available, use an alcohol-based hand sanitizer Avoid touching your eyes, nose and mouth with unwashed hands Avoid close contact with people who are sick Stay home when you are sick Cover your cough or sneeze with a tissue, then throw the tissue away Clean and disinfect frequently touched objects and surfaces Look to these public health organizations for the latest information on coronavirus, how to minimize risks, how to mitigate the spread of the virus, resources, FAQs and more to assist you.

Apply now. This page also includes links to federal resources. Other information for small business owners Information and links from the National Federation of Independent Business for Texas small business owners.

Many utility and service providers may be suspending disconnections or offering special allowances or programs at this time. We recommend that you check directly with your service provider if you have concerns about your service. Fire safety tips for renters. While the videos reference renters who are also students, the tips apply to any rental housing.

Evacuation Shelters Locate Red Cross shelters. Heed flood warnings Listen to your local radio and TV stations for updated flood information. Be especially cautious at night when it is harder to recognize flood danger! Disaster Preparation and Related Resources. For small businesses and most private nonprofit organizations, SBA can also offer low-interest Economic Injury Disaster Loans to cover working capital during the recovery period.

Some key points: There are no costs to apply and no obligation to accept any loan funds. We often find we can get funds in the hands of survivors before insurance settlements are received, therefore helping speed up the recovery and rebuilding process. Learn more at texasbar. Call Veterans from storm-affected areas who require immediate assistance may contact the Health Resource Center Disaster Hotline at Frequently Asked Questions After a Disaster.

Do I have to pay rent if my residence was damaged during a disaster? Can a property owner terminate a lease due to natural disaster or catastrophe?

Can the owner turn off utilities to make repairs or for other reasons? Can an owner remove my belongings after a disaster? Filling out an application to rent. Avoiding problems. The best ways to avoid problems are to: Read your lease carefully before signing. Ask questions about anything that is unclear. Put everything in writing, including agreements, notices and requests. When the owner can enter your unit. Some reasons may include: Responding to repair requests Preventative maintenance Showing the dwelling to prospective buyers or renters, and Responding to health or safety concerns.

If repairs are needed. Smoke alarms. Security devices. Owner or management company information. This information is also available to government officials acting in an official capacity. If you need to move. Security deposits. What can be deducted from your security deposit? Any charge specified in the lease or any charge resulting from your breaking the lease. Charges for damages, wear and tear resulting from negligence, carelessness, accident or abuse on your part.

Unpaid rent and other unpaid charges listed in your lease, such as those for late rent payment, returned checks, missing furniture or fixtures, unreturned keys, etc. The reasonable cost of cleaning if you fail to properly clean before you leave.

Many rental properties have written cleaning instructions for you to follow. Answers to common questions about TAA. Does TAA regulate apartments or other rental housing in Texas?

TAA is not a state agency or regulatory body. We have no regulatory or enforcement authority. We are a trade association representing rental property owners, management companies, builders, developers and companies that supply products and services to property owners, managers and developers. Remember that restrictions apply and coverage varies between issuers: Get a complete description of the coverage offered by your credit-card company.

Have them explain the worst-case scenario to you. It can be smart to ask for a "Letter of Coverage" — take a hard copy of it with you to the rental counter in Europe. Once you've confirmed your credit card's coverage, be sure to decline the CDW offered by your car-rental company.

If you accept any coverage offered by the rental agency, you automatically forego your credit-card coverage. A credit card's collision coverage applies even if the damage happens while the car is being driven by someone else, as long as that other driver, and the cardholder, are both listed as drivers on the rental contract. Remember to use that same card not only to reserve the car, but also to pay for it and any other related fees, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage.

If you get in an accident, the rental company will charge your credit card for the value of the damage up to the deductible amount or, if the vehicle is stolen, the value of the deductible associated with theft. It's then up to you to seek reimbursement for these charges from your credit-card company when you get home. You'll need to submit the police report and the car-rental company's accident report.

When deciding between rental companies, consider that American-based rental companies can be easier to work with if you have a claim to resolve. Be warned that, as far as some rental companies are concerned, by declining their CDW offer, you're technically liable for the full deductible which can equal the cost of the car. Because of this, the car-rental company may put a hold on your credit card for the full value of the car.

This is bad news if your credit limit is low — particularly if you plan on using that card for other purchases during your trip. Consider bringing two credit cards — one for the rental car, the other for everything else. If you don't have enough credit on your card to cover the car's value, the rental company may require you to purchase their CDW.

Since most credit card companies don't offer collision insurance to European cardholders, counter agents — especially those unaccustomed to American clients — may be skeptical that declining their CDW is a prudent move all the more reason to have hard-copy proof of your credit-card coverage on hand.

Don't be surprised if you hear a warning about how credit cards provide only "secondary" coverage — that's moot as long as you've declined the rental company's coverage. By clearly understanding the coverage from your credit-card company, you can ward off a hard sell on the rental-company CDW. If you're already purchasing a travel-insurance policy for your trip, adding collision coverage is an option. Travel Guard , for example, sells affordable renter's collision insurance as an add-on to its other policies.

It's valid everywhere in Europe except the Republic of Ireland, and some Italian car-rental companies refuse to honor it. If you do go with an insurer's comprehensive travel coverage, be sure to add the insurance company's name to your rental agreement when you pick up the car. Facebook Twitter Pinterest Email Share.

Know what your rental-car insurance covers in case you find yourself up a creek. By Rick Steves When you rent a car, you can be liable for a very high deductible, sometimes equal to the entire value of the car.

676,000
* €/m2
A Comprehensive Guide on Relocating to Spain
286 m2 | 5 bedrooms | 6 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Buying. in. Spain. The UK Government's Office of National Statistics says some The best bargainsand cheapest homes are notalways the best investments. many years ago, soany newbuilds today are often in poor secondary locations. Find out how to relocate to Spain on the InterNations GO! website. And get answers to your moving questions in our comprehensive Buying a house as a foreigner might even be simpler than renting. School is only mandatory until the age of 16, hence the three compulsory years of secondary school. 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.

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. This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements.

Each viewer of the aforementioned information acknowledges that i the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, ii this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, iii the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and iv no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction.

The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared. All rights reserved. View Our Privacy Policy. A Self-Supporting Public Agency.

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172,000
* €/m2
115 m2 | 3 bedrooms | 5 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Buying. in. Spain. The UK Government's Office of National Statistics says some The best bargainsand cheapest homes are notalways the best investments. many years ago, soany newbuilds today are often in poor secondary locations. Property in Spain secondary market - Buy property in Spain by the sea | WTG Spain - Buying Property in Spain! Inexpensive, luxury, by the sea ✈ Property. Most Experienced Management And Rental Organization. Contact Us Now.

In this case, it's not an optional extra, so you can't decline it. Given these costs, the alternatives to paying for the rental company's CDW are worth considering: credit-card coverage or collision coverage through your travel-insurance provider. Car-company CDW surcharges can seem like a racket when you consider that most American credit cards already include collision coverage. By paying with the right credit card, you get zero-deductible collision coverage comparable to "super" CDW …likely for free.

In other words, if your car is damaged or stolen, your credit card will cover whatever costs you're liable for. The only major downside: If you do end up in an accident, dealing with credit-card coverage can be more of a hassle than what you'd encounter with the car-company CDW. But if a potential headache seems like a worthwhile trade-off for certain — and significant — cost savings, look into this option.

To make this work, first double-check that your credit card does indeed offer this coverage Visa, MasterCard, and American Express usually do — but not Discover.

Remember that restrictions apply and coverage varies between issuers: Get a complete description of the coverage offered by your credit-card company. Have them explain the worst-case scenario to you. It can be smart to ask for a "Letter of Coverage" — take a hard copy of it with you to the rental counter in Europe.

Once you've confirmed your credit card's coverage, be sure to decline the CDW offered by your car-rental company. If you accept any coverage offered by the rental agency, you automatically forego your credit-card coverage. A credit card's collision coverage applies even if the damage happens while the car is being driven by someone else, as long as that other driver, and the cardholder, are both listed as drivers on the rental contract.

Remember to use that same card not only to reserve the car, but also to pay for it and any other related fees, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage. If you get in an accident, the rental company will charge your credit card for the value of the damage up to the deductible amount or, if the vehicle is stolen, the value of the deductible associated with theft.

It's then up to you to seek reimbursement for these charges from your credit-card company when you get home. Organizing an international relocation is not something you should do on your own.

Contact us today to jump start your move, and begin the preparations with our free relocation checklist. Are you wondering how to move to sunny Spain and how hard it really is? That depends entirely on how you define hard and where you originally come from. EU nationals, or people with a permanent residency in an EU member country, will find the process of moving to Spain to be fairly easy. This is because there are less bureaucratic steps.

However, that does not mean people from outside of the EU need to feel discouraged already. If living in the country of churros, tapas and tinto de verano is your dream, then this guide will provide you with all the things you need to know when moving to Spain; from obtaining a visa, work permit to navigating the housing market, finding good schools to opening up a bank account and filing a tax return.

The work-life balance and general quality of life are just few of the benefits of moving to in Spain. Yet, there is more to the sunny weather, wide beaches, and good food in Spain. The relaxed work culture, excellent international schools, and free quality public healthcare are just a few perks of this incredible southern European country.

Read on to find out more about Spain and why moving there might be your best. Whether you are moving abroad for the first time or relocated multiple times before, the process raises many questions.

Our complete guide to relocation will ease your doubts along the way, from the initial preparations to how to negotiate a relocation package, we help you GO!

Whether you are moving abroad for the first time or have relocated multiple times before, the process of moving to Spain raises many questions. Our complete guide to relocating will ease your doubts along the way. We include everything you need to know when moving to Spain such as the initial preparations on how to negotiate a relocation package.

We help you GO! Shipping, moving, or storing your household goods and belongings will not be impossible in Spain. 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. 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.

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Statistics and prices of properties with pool in Spain

Prices are going up in this area.

Average price in this area: 1,983 €/m2

The cheapest property in this area: Rent to own detached house in Alcobendas, 0

The most expensive property in this area: Hotel for sale in Nueva Andalucía, Marbella, 65,000,000 €

Cheapest areas: Aragon, Castile and Leon, Estremadura

Most expensive areas: Melilla, Balearic Islands, Andalusia

Prices are going down in the areas: Madrid, Andalusia, Canary Islands.

More statistics and trends...