The vast majority of mortgage loan contracts in Spain contain the so-called ground clause, declared abusive by the Court of Justice of the European Union. If this is your case, you can claim your return from the bank, even if you have already paid off the mortgage. Here’s how. Clause ground: everything starts with the euribor To understand what the floor clause is, …

Mortgage floor clause: what it is and how to claim the bank Leer más »

Tener antecedentes es uno de los motivos más comunes por los que deniegan la nacionalidad española por residencia.

Most of the applications for Spanish nationality for residence in 2014 have already been resolved. It is estimated that between 10 and 15% of these have been denied by the Ministry of Justice. The most common reasons why they deny Spanish nationality by residence are those that we expose below. Possess a criminal record in Spain or in the country of origin As …

The 8 most common reasons for denying Spanish nationality by residence Leer más »

We explain in detail the requirements and characteristics of the invitation letter to come to Spain as a tourist What is the invitation letter One of the requirements that must be met by any foreigner traveling to Spain as a tourist without a visa, in addition to the round trip and economic resources for their maintenance, is to have accommodation during your stay. …

The invitation letter: everything you need to know Leer más »

There has always been a confusion between the Spanish NIE (Número de Identificación de Extranjero, that is, the Foreinger Identification Number) and other documents such as the certificate of registration of a European Union’s Citizen, the UE family member’s card, or the foreigner’s residence and work permits, for instance. So it is crucial to clearly explain what the Spanish NIE is, how it …

All you need to know about the Spanish NIE Leer más »

We explain some reasons why you can be denied the renewal of the residence permit and what to do in those cases. Many people are entrusted with having obtained an initial residence permit in Spain, forgetting that they must renew it every year. In fact, sometimes stricter requirements than at the beginning have to be met. That is why it is important that …

What to do if they deny the renewal of the residence permit in Spain Leer más »

The term black work is often used in different contexts. We explain below what it is and what are its effects. Work in black: what is it Also known as working in B, and as the characteristic element of the so-called submerged economy, work in black means, in the case of an employment relationship (in which there is an employer and a worker) …

Work in black: what it is and what are its risks Leer más »

Undoubtedly, Royal Decree 1004/2015 unified criteria for the granting of Spanish nationality by residence and indicates the steps to apply for it online. However, the truth is that a significant number of requests processed under the previous regime are being denied. Below we explain in a simple way what to do if you are denied Spanish nationality. What to do if you are …

What to do if you are denied Spanish nationality? Leer más »

In a previous article we talked about different aspects of asylum and refuge (in what it consists, the reasons, the procedure, etc.). In practice, the most important of all these points is how to prove the reasons for obtaining asylum in Spain. Thus, it is not enough to claim that persecution is suffered for political, religious, social or sexual preference reasons. You have …

Evidence that you must contribute to obtain asylum in Spain Leer más »

Es posible obtener el certificado de empadronamiento aunque no se tenga domicilio fijo.

One of the material documents that you must obtain as a resident in Spain, whether you are in a regular situation or an irregular one (that is, “without papers”), is the certificate of registration (“padrón municipal” or “empadronamiento”), which you will need for many formalities, including obtaining a Residence and work permit, or the granting of Spanish nationality (citizenship). What is the certificate …

How to obtain the municipal registry having no domicile Leer más »

Royal Decree 240/2007, of February 16, allows you to obtain residency in Spain, through the community family card (EU family member residence card), if you are a spouse, domestic partner, ascendant or descendant of a Spanish citizen or of the European Union living in Spain. Even this possibility has been extended to other relatives when certain assumptions are met. However, although at first …

What to do if you are denied a community family card (NIE) Leer más »