What is a mixed mortgage? A mixed mortgage is a type of mortgage loan that combines the characteristics of a fixed mortgage and an adjustable mortgage. This means that the interest rate you pay on your loan changes after a fixed period of time, which can be five, ten, or fifteen years. In other words,…
What are the valuation methods? There are two main values depending on the objective pursued: Market value: The value that a third party is willing to pay through a private contract between a seller and a buyer. Mortgage value: The value that a professional assigns to a property through an appraisal. This step is necessary…
Nature gives us everything we need to live, we have to learn to benefit from everything it can give us and integrate with it to achieve a more sustainable coexistence. For us, efficient architecture, its values and construction techniques is a basic point for Constructora Espígul, since taking into account energy savings in the construction…
What is home staging? The concept of Home Staging refers to making the most of a property that is for sale or rent by means of techniques to improve the image of the flat or house and thus attract the attention of possible interested parties and make the rental or sale faster. Home Staging originated…
So, how does coliving work? Coliving, or shared renting, was born in San Francisco in the 2000s, when many young professionals arrived in Silicon Valley and could not find a suitable place to live. It is considered an extension or evolution of coworking in the housing market. Coliving is about renting a room, usually with…
The energy certificate is a scheme of qualification of a property that provides useful information to all citizens regarding energy consumption and its characteristics. It is accompanied by a document of recommendations to improve housing and make it more energy efficient. To determine the energy rating of a home, a tag is denoted by the…
Advantages of renting with option to buy Being able to enjoy the flat before buying it is a great advantage. Being able to live and experience it before making the big step of buying it is of great interest, so the tenant can see if the house or the flat meets his expectations. In case…
What is an earnest money contract? The earnest money contract is an agreement signed by the seller and the buyer to formalize the reservation contract for a property. A sum of money, usually between 5% and 15% of the value of the property, is paid as a pre-agreement and its validity and validity, the latter…
Sustainable construction is our passion, and we want to share with you the latest trends in technologies in the construction of sustainable houses that will transform your way of living. Do you want to live in a sustainable and energy efficient house? At Espígul Real Estate, we understand the importance of integrating sustainable resources in…
This February will mark a milestone in the Catalan real estate market with the reinstatement of price control measures in 140 municipalities. This agreement between the Generalitat and the Ministry of Housing and Urban Agenda (MIVAU) will reactivate the limitation of prices in rent, a measure that, according to the Housing Law, will freeze rents…
The year 2024 brings us an exciting palette of colors to revitalize and transform our homes. And today our team of experts in decoration and interior design want to share “Decoration trends 2024” the colors that your house should have yes or yes. Discover the most outstanding trends in decoration and give life to your…
We know how Espígul Real Estate that the decision to sell a mortgage apartment may seem challenging, but with the right information and strategies, the process can be fluid and successful. Today we want to explain the crucial steps for a successful sale, focusing on the added complexity when it comes to a mortgage property….