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MOVING TO SPAIN

Nine things you need to know before moving to Spain’s Murcia region

You don’t hear a lot about Murcia. Sandwiched between Alicante and Andalusia, the region is often overlooked by those wanting to relocate to Spain. Former Murcia resident Conor Faulkner has the lowdown on what to expect before buying a home or moving there.

Nine things you need to know before moving to Spain's Murcia region
Amazing views from the Batería de Castillitos on the outskirts of the Murcian city of Cartagena. Photo: Pablo Cabezos

If you’re looking for Mediterranean coastline, orchards and olive groves between the mountains, medieval castles and traditional Spanish villages, Murcia could prove to be a hidden gem.

However, there are a few other facts you should keep in mind:

Like the rest of southern Spain, Murcia is sizzling hot – Temperatures can top 40C in the summer, and it very rarely rains. During the summer months locals don’t leave the house during the afternoon, getting everything done in the morning and at night to avoid the dry heat. A cold winter in Murcia is considered 10C, with temperatures occasionally reaching the high tens or early twenties.

In Murcia the accent is as fierce as the heat –  Famous, or infamous, among other Spaniards for the accent, just like in Andalucía Murcianos often drop the end of words all together –  particularly the D’s and S’s. This can be confusing when you first arrive, but after a few months you’ll be calling people ‘acho’ – a diminutive form of the Spanish ‘muchacho.’

Not just countless Mediterranean beaches – Known as the Costa Cálida, Murcia boasts over 250km of sandy beaches and although there are more touristy spots, most lack the foreign presence you get in nearby Alicante and Andalusia. But the region also offers nature lovers everything from canyons, to deserts, rivers and rock formations to explore. 

Mount Arabí cave is one of the hidden gems Murcia has to offer. Photo: Antonio López/Pixabay
Mount Arabí cave is one of the hidden gems Murcia has to offer. Photo: Antonio López/Pixabay

House prices are some of the cheapest in Spain – The city of Murcia, the region’s capital, is one of Spain’s cheapest, and in the region’s smaller towns you can rent two or three bedroom apartments for as little as €400 a month, or buy property for €700/sqm. 

The capital city aside, most Murcianos drive – If you opt for a small town, having a car will probably be essential as public transport in the region is… unpredictable, to say the least. The vast majority of towns in the region are without connections, and many don’t have train stations. Those that have bus stations often aren’t serviced by national companies, and if they are there are usually one or two departures to cities like Murcia, Alicante and Valencia a day.

Murcia Cathedral and Puente Viejo in the Murcian capital. Photo: Ricardo Arevalo/Flickr
Murcia Cathedral and Puente Viejo in the Murcian capital. Photo: Ricardo Arevalo/Flickr

Murcianos are very friendly and welcoming – If you move inland from the Costa Calida into one of Murcia’s many mountain towns, you will be helped and hosted in a way you rarely see in cities, nor in the twenty-first century much at all. In town for a day trip? You’ll probably be shown around by a local. Moving in next door? You’ll be invited for lunch and given baskets of oranges and lemons, and bottles of olive oil. Murcianos are some of the friendliest people in Spain, provided you can understand them.

Murcia can be outdated – That being said, for all the old world charm and hospitality, some may find life in small town Murcia somewhat old-fashioned or conservative – Whether it be the lack of public transport infrastructure, international chains and brands we’ve become accustomed to, or perhaps even a political opinion not heard in bigger cities for a couple of decades, in small Murcian towns life seems to be a few decades behind, for better or worse. If you want to experience traditional, small town Spain, consider one of Murcia’s northern towns or villages.

Playa Lunar is one of countless amazing beaches and coves Murcia has to offer. Photo: Dr Zito/Flickr
Playa Lunar is one of countless amazing beaches and coves Murcia has to offer. Photo: Dr Zito/Flickr

Murcia no existe – Murcia, and Murcianos, are often the butt of Spanish jokes. ‘Murcia doesn’t exist’ or ‘Murcia is Africa’ are common jibes to hear directed at Murcianos, as well as gags about lemons and olive oil and farmland. Due to their kind-hearted nature, many Murcianos couldn’t care less and take it in their stride, laughing off the ‘city-types.’

Jobs – Although falling recently, Murcia is historically one of Spain’s regions with the highest levels of unemployment, and is still above the national average. This is particularly true among young people (where it hovers between 15 percent and 20 percent) and there aren’t a great deal of jobs around outside of the capital. If you are considering moving to Murcia, it might be best to make the move with savings ready, or to consider teaching English as locals are keen to learn. Average annual gross salaries in Murcia are €16,828 in 2021, one of the lowest in Spain. 

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VISAS

INTERVIEW: ‘There are three main alternatives to Spain’s golden visa’

What happens to foreigners on Spain’s golden visa now that the scheme will be scrapped? How about those in the process of applying and non-EU nationals considering buying a home and moving to Spain? The Local spoke to several experts to get the lowdown on what changes.

INTERVIEW: 'There are three main alternatives to Spain's golden visa'

On Monday April 8th, Spanish Prime Minister Pedro Sánchez announced that it will soon no longer be possible for foreigners to obtain Spanish residency by buying a €500,000 property in the country.

The latest government figures suggest that 14,576 wealthy non-EU nationals have obtained the golden visa by buying a half-a-million-euros home since the scheme launched in 2023, with a particularly big surge in visas granted over the last two years, which “raised the alarm”

The government says it’s about reducing price speculation in the property market but for the opposition it’s purely a political “smokescreen” at a time of rising property and rent prices that are affecting locals but not higher-earning foreigners in Spain. 

Q&A: When and why is Spain axing the golden visa?

“It won’t have the desired effect of freeing up property because golden visa holders are not competing usually at the prices where locals are being priced out; the culprits are Airbnb-style rentals.” Graham Hunt, who runs Valencia Property and has helped numerous clients process their golden visas, told The Local Spain.

“Most golden visa buyers we have had to buy a place to live in and not as a speculative investment. A few buy under the limit then complement it with a second rental property or garage space to make up the €500,000.”

Although a €500,000 property is certainly not within reach for most foreigners in Spain, the end of the golden visa scheme as we’ve known it means there are fewer visa choices for foreigners.

For Hunt, “a simple reform requiring golden visa residents to live for more than six months per year in Spain thus becoming tax residents would have sufficed to make it more lucrative for the government, while at the same time closing some of the loopholes of origin of funds which may have been a problem with Russian and Chinese applicants”.

The golden visa is the only visa that doesn’t require foreign residents to become tax residents in Spain, nor spend a minimum amount of time in Spain to keep residency (1 day a year to renew).

Maryem Essadik, an immigration lawyer for international law firm Marfour, told The Local: “this visa has brought a lot of foreign capital to Spain and the new measure stops the arrival of foreigners with great economic means and a high level of consumption”. 

So what now for those who already have a golden visa and those in the process of applying for it? Is it too late to get Spain’s golden visa at the last minute? And what other Spanish visas could high-income third-country nationals opt for?

What does this mean for people who already have the golden visa?

“Those who currently hold a golden visa will NOT be affected,” Gerard Martínez of immigration law firm Balcells Group stressed to The Local Spain. 

“They will keep their residency card and this measure will not affect them”.

Immigration lawyer Maryem Essadik added that “the residency authorisation of existing golden visa holders through investment in real estate is a guaranteed right and the new law cannot be more unfavourable than the terms applied to them at the time”.

Essadik told The Local that a clear and recent example of this happening is when “UK nationals legally residing in Spain when the UK left the EU were not affected, even though many had to carry out exchanges of their permits”.

Does anything change for people in the process of applying for Spain’s golden visa?

“In principle, applications being processed are assessed according to the law that was in force, unless retroactive measures are established by the new law,” Essadik states.

“It’s too early to go into detail, we have to wait for the law to be approved.”

Gerard Martínez of Balcells is more optimistic: “Those in the process of applying should not be affected either. The government will define a deadline until which this visa can be obtained, so those in the process can have enough time.”

Is it too late to buy a €500,000 Spanish home and apply for the golden visa? 

The golden visa was known as being perhaps the fastest residency authorisation to obtain in Spain – between 10 and 20 days – but of course you also have to factor in that choosing and purchasing a €500,000 property can take time.

“We still need to understand the timings the government sets for its modification,” Martínez admits, “but right now it is not too late, so now is the best time to obtain it, as we don’t know if in x months that option will still be available.”

According to Spanish daily El Periódico de España, the intention of Spain’s Housing Minister is to cancel the golden visa scheme as quickly as possible and to fast-track this process by attaching the legal amendment to another law, the upcoming modification of the Spanish Land Law (Ley de Suelo) which has already overcome some legal hurdles.

It’s worth noting however that the golden visa amendment isn’t a done deal yet and that legislative changes in Spain tend to take longer than expected. 

What are the alternatives to Spain’s golden visa?

“It depends on the circumstances of each person,” Hunt of Valencia Property told The Local Spain.

“But the easiest one if someone doesn’t need to work is the non-lucrative visa (NLV), and if they do need to work then they need to get themselves in a position to apply for the digital nomad visa (DNV).”

Martínez of Balcells Group agreed that the NLV and the DNV are two of the best choices, but added another important alternative: “the golden visa’s other investment categories will still work, so those higher net-worth individuals may still obtain residency by investing in Spanish companies or in Spanish debt”.

Although this is yet to be 100 percent confirmed, it does appear that the only category of the golden visa scheme that is set to be removed is that relating to property, as this is what the government has deemed problematic in terms of price speculation. 

Therefore, investing €1 million in shares in Spanish companies, or €2 million in government bonds, or transferring €1 million to a Spanish bank account, will still be likely to obtain Spanish residency through the golden visa for the time being.

READ ALSO: What the end of Spain’s golden visa means for foreigners

How do the non-lucrative visa and the digital nomad visa compare to the golden visa?

Spain’s golden visa has been considered the ‘easiest’ Spanish residency visa to obtain because it doesn’t take long to be processed, and as mentioned earlier it didn’t have the requirement of becoming a Spanish tax resident and no risk of losing residency for being out of the country (1 day a year). 

However, the non-lucrative visa and the digital nomad visa are two worthy alternatives for people with plenty of savings or high incomes. 

The non-lucrative visa doesn’t allow you to work but gives you Spanish residency if you can prove €28,000 in funds to cover your costs for the year, and €7,200 for every extra family member included on the residency application, as well as providing comprehensive medical insurance. 

Proving financial means and medical cover are also required for the golden visa.

Other perks of the NLV include the right to invest in Spain, freedom of movement around the Schengen Zone, a lower financial burden than the golden visa and the option of swapping over to a work of self-employed visa.

If you want to work from Spain, the digital nomad visa requires €2,646 in monthly earnings to be eligible, it enables you to live in the country for five years, you can also bring family members with and your partner has the right to work as well, among other perks such as freedom of movement around Schengen nations.

Non-lucrative vs digital nomad visa: Which one should you choose to move to Spain?

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