When someone receives a court notification or hears terms such as property seizure, mortgage foreclosure or judicial auction, it is common to think they all mean the same thing. However, they are different legal concepts that form part of the same judicial process, each with its own stage and consequences. Understanding the meaning of each term helps you interpret your situation correctly, avoid making...

In recent years, the Cadastral reference value has generated many doubts. Indeed, many taxpayers have received an unpleasant surprise since its launch. The official value for taxes does not always match the purchase price. For this reason, citizens call this phenomenon "the catastrazo". This term defines the tax increase when the administrative valuation exceeds the sale price. In this guide, we analyze...

When a bank starts a mortgage foreclosure process, most property owners are not facing a “one-off event,” but rather the final stage of a situation that has been developing quietly for months. What may seem like a simple legal notice is actually the formal beginning of a phase in which every decision matters and every week can change the final outcome. At this point, the property stops being just a...

When someone hears the word “auction”, it is usually directly associated with losing a home. It is one of the most sensitive stages within a foreclosure process because it is perceived as the final point of the problem. However, a court auction does not appear suddenly. It is the result of a process that has gone through several previous stages: payment defaults, creditor claims, possible...

Debt, Foreclosures and Property Repossessions in Spain: What Every Property Owner Should Know Debts related to a property rarely appear overnight. They usually start with small payment delays, temporary financial difficulties, or personal situations that gradually affect the owner’s financial stability. When bank claims, calls, or legal notices begin to arrive, many people feel they have lost control...

Table of Contents Introduction What was the National Tourist Rental Registry? What did the Supreme Court rule? What changes now? Is a tourist license still required? What property owners must still do What is no longer required The Digital One-Stop Shop Impact on the Costa del Sol Conclusion and professional advice FAQs Introduction The Spanish Supreme Court has...

The real estate market in Spain has entered a cooling phase in 2026, with a decline in the number of property transactions and a slowdown in price growth, according to analysis published by El País. This shift does not indicate a crisis, but rather an evolution toward a more demanding market, where financing conditions, housing supply, and buyer profiles play a decisive role. In this article, we...

Having debts associated with a property generates a clear sensation: blockage. Many owners on the Costa del Sol believe that if they cannot pay the mortgage or have liens, the only way out is to lose the property or sell it for a pittance. This is not the case. In most cases, you can sell a property with debt, cancel the charges, and prevent the situation from worsening. The difference between losing...

The entry into force of Law 10/2025, of December 26, marks a turning point in how owners and agencies must communicate prices to the market. This is not a simple administrative change; it is a radical transformation of the principle of truthfulness in commercial real estate offers, requiring the disclosure of the real final price at all times. At JAMM ESTATE, as specialists in the Benalmadena market, we...

The Spanish real estate market is entering a different phase than the one we have experienced in recent years. After a prolonged period of stability, the latest data published by the National Statistics Institute (INE) confirms a rebound in foreclosures that should be analyzed calmly, without alarmism but with rigor. If you find yourself in a debt situation, or are considering operations linked to...