Ramgal, experto en finanzas: cómo gestionar tu segunda vivienda sin conflictos con Hacienda
Tener una segunda vivienda puede parecer un privilegio, pero si no se gestiona correctamente, puede convertirse en un quebradero de cabeza fiscal. As…
38
1k
212
41k
Avoid Hefty Taxes on Your Spanish Second Home: Expert Advice
Second Home in Spain? Tax Implications and Smart Solutions Owning a second home can be a dream, but in Spain, it comes with a significant tax burden if left vacant. A recent video by financial advisor Ramgaldavis highlights the issue, explaining that unoccupied second homes face an annual tax of 1.5% to 3% of the property's cadastral value. This is known as 'imputación de renta inmobiliaria' and is included in the annual tax return. Ramgaldavis, along with his fiscal advisor @kaplam, offers a solution: renting the property as a habitual residence. This opens the door to IRPF reductions of up to 60%, dramatically cutting down the tax liability. "Opting for a long-term rental not only saves on taxes," explains Ramgaldavis, "but also generates stable income and contributes to housing access." The video uses a hypothetical example of a 150,000 euro property, illustrating how renting could avoid a 3,000 euro tax bill and potentially generate 6,000 euros in rental income. The video's practical advice and clear explanation of complex tax rules make it a valuable resource for Spanish homeowners and potential investors. It underscores the importance of understanding the financial implications before investing in a second property.
