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PROPERTY

Looking to buy a house in Spain? These historical casas are the stuff of dreams

Long before Spaniards moved into cramped apartment blocks in the cities, each region had its own charming house style. Want to see if any of them are your dream home in Spain?

Looking to buy a house in Spain? These historical casas are the stuff of dreams
Photos: José Luis Filpo Cabana/Wikimedia

A whopping two-thirds of Spaniards live in apartments – more so than anywhere else in Europe – but this wasn’t always the case.

Back when the population was more rurally based, the wealthier members of society lived in some pretty splendid houses, each cultural region developing its own particular design and idiosyncrasies for its staple home.

So if flat-dwelling in Spain isn’t for you and you’re willing to sacrifice some of the perks of living in the city, these historic casas may be what you didn’t know you were actually after.

Granted most of them don’t come cheap and others may be in desperate need of renovation, but as we said in the title, these casas are “the stuff of dreams”.

(We’ll include links to actual listings if available)

Galician Pazo

Spain’s lush, Celtic region of Galicia in the northwest of the country has more rain than Andalusia but these chateaux-like homes really make up for it.

Photo: Deposit Photos

Once the homes of Galician nobility, many pazos are on sale currently, the more stately going for just under €3 million and the more modest (but still magnificent) are on sale for around €200,000. Check Idealista's pazo listings here as well as Galician Country Homes, an English-language estate agency offering some good deals on pazo homes. 

Photo: Rodrigo Teijeira/Wikimedia

Valencian Barraca

These triangular, often elongated houses are still found across rural Valencia, Catalonia and some parts of Murcia. They’re cosier and quainter than Galician pazos but that is also reflected in the price.

Barracas were traditionally the homes of Valencian farmers so the houses often come with an orchard or plot of land.

If you’d rather live a simpler life an hour or so from Valencia or Alicante, here are some barracas on sale

Photo: Joan Banjo/Wikimedia

Catalan Masía

A masía is the name given to a country house in Catalonia. Traditionally they have a distinctive Romanesque design and are made of stone.

Masías are warm and full of character, but house prices in the region aren’t the cheapest in Spain, with most of these rustic homes going for a few million euros

Photo: Can Moriscot/Wikimedia

Basque Caserío

Spain’s Basque Country and Navarre regions have some of the country’s most pristine wilderness, a perfect setting if you want to live a rural life in Spain (although your elderly neighbours may only speak Basque to you).

Caseríos, the traditional farmhouses of the regions, are robust stone structures of usually three floors. Again, given Navarre and the Basque Country's higher rent per capita, caseríos don’t come that cheap.

Photo: Enrique Domingo/Flickr 

Andalusian Cortijo

The house pictured may look a bit rough around the edges but it still illustrates the grandieur and Moorish style of Andalusian architecture.

Cortijos, the traditional homes of landowners in sun-drenched Andalusia, often include larges plots of land, plenty of rooms and ornate inside patios.

Photo: Ventura Carmona/Flickr

Many have been revamped, so it’s up to you if you want to find a bargain cortijo and give it the ‘Grand Designs’ treatment.

These quintessentially southern Spanish homes (also found in Extremadura) are listed more often as “finca rústica” than cortijos, in case you want to find out more about them.

Andalusia offers much more competitive property prices than Catalonia, the Basque Country and Asturias. For the creme de la creme of cortijos, click here. For the bargains, check this site instead.

Photo: Lufragani/Wikimedia 
 

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PROPERTY

How to contest the cadastral value of your Spanish property

The cadastral value and cadastral reference of a property in Spain affect various factors including how much yearly property tax and inheritance tax you'll pay. Here's how to change the valuation Spanish authorities give your home.

How to contest the cadastral value of your Spanish property

When it comes to taxes, everyone wants to know if there are ways to pay less. While it’s not always possible, there are certain factors that affect particularly taxes associated with your Spanish property – namely the cadastral value and the cadastral reference. But, can they be changed or rectified?

What is the cadastral value?

The cadastral value is applied to all properties in Spain. It’s the value applied to your property by the Ministry of Finance or Hacienda and serves as a tax base to determine how much IBI tax or Impuesto sobre Bienes Inmuebles you pay for example. This is a yearly tax for all those who own property in Spain.

READ ALSO: What is Spain’s IBI tax and how do I pay it?

The value will depend on the size of your property, the condition it’s in, the year it was built and the cost of construction, among other factors.

It differs from the cadastral reference, which is an estimate of the market value of a property and is used as a reference for the real estate market. It is also used as a tax base for inheritance and property transfer tax.  

How is it determined?

At the beginning of each year, the cadastral value of homes is reviewed, and as a result, it can increase or decrease. This is why your IBI bill can increase or decrease too. As a general rule, the cadastral value is usually much lower than the market price, but this is not always the case.

How do I find out the cadastral value? 

To know the cadastral value of a property, you must first know the cadastral reference. Then you can find the value in the corresponding public records online. You can find this reference on your IBI bills, as well as on your property deeds.

Once you have this you can go to the electronic headquarters of the Cadastre, and click on ‘reference value’. There you will find all the information about the cadastral reference and the corresponding cadastral value.

Even if you’re not the owner of a property, but want to find out the cadastral value of a property you’re considering buying, you can find it out here.

Can I change the cadastral value of my home?

Yes, it is in fact possible to change the value. If you believe that the cadastral value of your property is too high with respect to the market price of your home, you can request that it be reduced.

You may want to do this in order to lower your IBI bill or if you want to sell your property at a lower price than the market value.

How do I lower the value?

If you believe that you have a case for changing it, you can make a claim to the General Directorate of Cadastre, overseen by the Ministry of Finance. There are two different claims you can make:

  • The procedure for correcting discrepancies
  • The procedure for rectification of material and arithmetic errors.

Procedure for correcting discrepancies

This option is typically used when there is a large difference between the market price and the cadastral value of a property, as well as when there are errors or false data about the characteristics of your home.

To do this, you must go to the Cadastre office in your municipality or apply online at the Cadastre Electronic Headquarters.

Procedure for rectification of material and arithmetic errors

The second option is used when there are errors or incorrect urban planning information, which affects your home. Again you can do this in person or online. In this case, it will have a retroactive effect. If you have paid too much IBI in the past, then it should be returned to you if the application goes in your favour.

Can I change the cadastral reference of my home?

If the reference value of your home is higher than the market value, then you may be wondering if you can change the reference in order to lower your tax base.

Unfortunately, you cannot request changing this in the same way as you can with the cadastral value. But, the good news is that there is a way to challenge it indirectly.

To do this you will need to request an appraisal from a company approved by the Bank of Spain. If the result of this turns out to be lower than the reference, you can try to rectify your self-assessment tax return, providing the appraisal as evidence that you should be on a lower tax base. As mentioned above, this will only affect certain taxes like inheritance or property transfer. 

In order to approve this, the tax office will need a report from the General Directorate of the Cadastre who may be able to rectify the reference and provide a report to settle the matter.

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