Do you want to buy a home and need financing?

One of the investment trends in 2023 is to invest in housing, if you have some savings and you are thinking of investing in housing, to resell later or to make it profitable by renting; in the ranking of the most sought-after homes, those in coastal areas are the most in demand.

In many cases, it is not possible to have 100% of the amount available, and for many investors it slows down the whole process of applying for financing. In today’s post we inform you of the documentation that banks request to carry out a feasibility study.

  1. Identity document: prove identity by means of a national identity card (DNI), passport or foreigner’s identity card (NIE)
  2. Proof of income, in this case the documentation requested is different if you are employed or self-employed. For employees: last 2 payslips, tax return (P60 in United Kingdom and Ireland, Tax Return in USA and Canada), and letter from employer (document indicating type of contract, seniority, annual salary and position of employee). For self-employed: self-employed tax return for the last 2 years (SA302 United Kingdom, P21 or Notice of Assessments in Ireland and Tax Return in USA and Canada).
  3. If you have another source of income, proof of this, credit report, bank statement for the last 6 months, and if your main residence is rented, you must provide the contract and if you have a mortgage, the latest mortgage statement.

In addition to the information regarding the property to be purchased and the amount we need to finance.

One of the advantages that customers who buy a property with VAPF have, whether it is for a primary residence or a second home, is that VAPF helps them to arrange the financing through the banks with which we collaborate, obtaining a rapid response, helping them to communicate in their own language, because for VAPF “Our Customers Come First“.

We invite you to follow us on our networks to stay informed and find out the latest news about VAPF and the Costa Blanca North.

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Do you know the Digital Nomad Visa?

The new technologies, the experiences of the last few years, are leading us to a different concept of life, to new working models, to live where we want to live, regardless of where we work, teleworking is already part of our DNA, so if you want to live on the Costa Blanca North, the Digital Nomad Visa is of interest to you.

What is a NOMAD VISA? It is a residence permit and is intended for non-EU citizens who wish to move to Spain and continue working for their companies abroad, allowing them to live and work remotely from Spain.

Applicants may also travel freely throughout the Schengen area and may include their spouse and children in the same application.

Citizens of non-EU countries are eligible. EU citizens (Germany, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Croatia, Denmark, Slovakia, Slovenia, Spain, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania and Sweden), do not need a visa to come to Spain or to the rest of the Member States. It is enough for them to have a valid identification document (passport or, in most cases, identity card). This means that they can work directly in our country, without having to apply for a work visa.

What conditions must be fulfilled in order to be eligible for the Digital Nomad Vísado?

Requirements for employees

  1. The applicant must have clients spread across different countries, or have different sources of income from online activities outside Spain. He/she must be working for at least one company outside Spain, and provide the terms and conditions of the remote work.
  2. The company must indicate in a letter that the applicant’s position allows remote working and that he/she is authorised to do so.
  3. Demonstrate sufficient experience and training, either by demonstrating 3 years of work experience, or by being a graduate of a recognised university or business school.
  4. Proof of €25,000 for the main applicant and a further €9,500 for dependants by means of a Bank Certificate. A payslip or employment contract can also be used as proof of these funds.
  5. Take out Private Health Insurance in Spain.
  6. Criminal record for the last 5 years.
  7. The application will be submitted in SPAIN by us so applicants do not need to deal with any Spanish Consulate and will get an answer within 20 days.

Requirements for the self-employed:

  1. The applicant must have clients spread across different countries, or have different sources of income from online activities outside Spain. You must be working for at least one company outside Spain, and provide the terms and conditions of the remote work.
  2. You must demonstrate a self-employed relationship with your clients for at least 3 months prior to application.
  3. Demonstrate sufficient experience and training, either by demonstrating 3 years of work experience, or by being a graduate of a recognised university or business school.
  4. Proof of €25,000 for the main applicant and a further €9,500 for dependants by means of a Bank Certificate. A payslip or employment contract can also be used as proof of these funds.
  5. Take out Private Health Insurance in Spain.
  6. Criminal record for the last 5 years.
  7. The application will be submitted in SPAIN by us so applicants do not need to deal with any Spanish Consulate and will get an answer within 20 days.

This application will grant a Residence permit for 3 years and may be renewed for 2 more years. After these 5 years, they will have the right to obtain permanent residence in Spain.

In addition to being able to telework from Spain, this formula also provides significant tax benefits, as long as applicants have not been Residents in Spain for the last 5 years, they will pay 24% tax on income up to €600,000. From €600,001 onwards it will be 47% for five years. – Income from Spanish companies is allowed but cannot be more than 20% of total income.

Come and discover our properties in Spain, on the Costa Blanca North and during your visit we will arrange a free appointment with a prestigious law firm to inform you of all the details of the Digital Nomad Visa.

We invite you to follow us on our networks to stay informed and find out the latest news about VAPF and the Costa Blanca North.

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Successful Open Days Montecala Gardens

At VAPF we like to involve Cumbre del Sol residents, and inform them about the new properties we have for sale along with everything that’s going on at the resort, and of course we invite them to come and see for themselves what’s available as well as having a chat, an exchange of opinions and just keeping in touch.

That is why we held our Open Days at Montecala Gardens on the 5, 6 and 7 April, and we couldn’t be happier with the results. We had an impressive response and we would like to thank everyone who visited and came to see the Montecala Gardens show house and the subsequent phases of this project that is currently under construction at Cumbre del Sol.

We received some extremely satisfying comments and feedback, and both the design and the quality of the apartments was much appreciated, all of which tells us that we are on the right track. It was great to see so many new faces and familiar ones too, all enjoying the positive atmosphere and an energy that was palpable on those special days.

However, for anyone who couldn’t attend our open days don’t worry. At VAPF we are always thinking about and planning new events to bring the Costa Blanca Norte to more people, such as the webinar “Montecala Gardens Special” which we will be holding on Thursday 27 April. This presentation will exclusively reveal the new phase of the sale – Montecala Gardens Pinazo, with 3Ds of the project, drone flight, features, fixtures and fittings, and availability, so that we can show you all the details of this development. The webinar will be available on vapf.com

Construction work has begun, and the first units have already been reserved, so if you are interested, get in touch with us and make a date to come and see us, and we will be happy to show you the project in person.

We’d also like to suggest that you follow us on social networks, and log into our blog, so that you can always keep abreast of what’s going on at Cumbre del Sol, as well as in the other locations where VAPF is currently building new homes.

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Our villas in Altea await you in 2023. Find out more!

In the north of the Costa Blanca you will find the beautiful and charming town of Altea. Its rich cultural heritage, and one of the loveliest old town centres in Spain, all kinds of craft shops, restaurants and surrounded by vineyards, mountains and of course amazing beaches and sandy coves, all make for an area with plenty of character. A perfect place for enjoying a short holiday, spending a peaceful winter with the mild and pleasant temperatures, or directly finding a home there. It is precisely this last idea that we want to tell you about, as in 2023 we have several villas that will be ready to move in to in two of our developments in this location: Azure Altea Homes 2 and Blanc Altea Homes.

Villa Senza: Ready in July 2023

Villa Senza, in our Azure Altea Homes 2 development, will be available in March 2023. The villas in this development are located in the Sierra de Altea mountains and have impressive sea views.

Villa Senza is built on three levels, with the top storey equipped with parking for two cars and an entrance hall with a lift that leads to the rest of the home. The mid-level floor has three bedrooms, each with terrace, walk-in wardrobe and private bathroom. The ground floor layout has three open spaces, including a fourth bedroom and an open plan kitchen and dining/sitting room. All the rooms are filled with Mediterranean light and lead to the outdoor part of the villa, with porches, a large terrace and infinity pool so that the sea is never out of sight for a moment. In short, design, fixtures and fittings, quality and impressive views of the sea await you in Altea this July. For more information about Villa Senza contact us by clicking on this link.

Blanc Altea Homes

Blanc Altea Homes is our other development in Altea. A residential complex that is filled with light, with its spacious villas set in natural surroundings with panoramic views of the Mediterranean with the Benidorm skyline in the distance.

Fall in love with our Blanc Altea Homes

The homes in this development are designed in contemporary architectural style, and although they are part of a residential complex, they are detached and each villa boasts an exclusive design that makes it unique.

All the houses are striking for the natural light and spacious rooms with a layout of 3,4 and 5 bedrooms, 4, 5 and 6 bathrooms, open plan kitchen, living rooms, terrace, pool, barbecue, enclosed garage and lift. Several of the villas in this development will be completed in 2023 and waiting for lovers of the Costa Blanca Norte to move in:

  • Model HC013: will be ready in March 2023. Fully equipped, including interior design project with furniture, fittings and décor included.
  • Model HC012: will be complete in September 2023.

Azure Altea Homes 2 or Blanc Altea Homes, the peace and tranquillity of the mountains or the comfort of a residential complex. You choose. You can contact us for more information on these villas which will soon be ready to live in, or if you would like to know more about our other developments in prime locations of the Costa Blanca Norte. You can also follow us for all our news on Facebook, Instagram and our upcoming blog posts so that you don’t miss out on anything.

The Costa Blanca Norte and USA a little closer

A unique destination in Spain. That’s how we could define the Costa Blanca Norte. The warm climate, with average temperatures of 17º C all year round, beaches that have been awarded with dozens of EU blue flags, year on year, the varied countryside and charming towns and villages… These are just some of the reasons why people from all over the world come to spend their holidays here, or remain for longer periods, and even end up coming here to live.

 

At VAPF we build our developments in the most exclusive parts of the Costa Blanca Norte. From apartments with every service imaginable and communal areas that offer everything you need, to spacious luxury villas that, quite simply, take the whole experience of enjoying the Mediterranean to a completely different level. Benissa, Denia, Altea or Moraira, Benitachell, where Residential Resort Cumbre del Sol is located, a perfect place to begin a new life on the Costa Blanca Norte. Given how popular the area has become over time, it currently enjoys excellent communications with a number of important cities which are connected by land, air and sea. This has made it easier for international clients to come here, especially with all the different air routes to choose from.

The various locations where VAPF has developments are practically equidistant between two of Spain’s most important airports, namely, Alicante and Valencia. Just an hour away by car, both these airports provide direct flights to the main cities in Europe (in United Kingdom, France, Holland, Belgium, Germany, Poland, Russia …) and they are working towards providing further air routes to “the other side of the pond” in the near future.

 

Direct connection Alicante – United States

 

Some weeks ago, at the recent International Tourism Trade Fair (FITUR), what had previously been an open secret was confirmed at last by José Mancebo (Director of the Provincial Costa Blanca Tourist Board) and Laura Navarro (Director of Alicante Elche Miguel Hernández Airport): The province of Alicante is taking initial steps to set up a direct airline connection with United States. The purpose of this new travel opportunity, in addition to strengthening connections with traditional markets, such as that of Britain, the Nordic countries, or Benelux, is to work towards new destinations such as North America, taking advantage of the air travel sector’s global recovery following the pandemic.

 

This initiative comes at a crucial time as, throughout 2022, Alicante became firmly established as a base for cruise ships, which is a clear indication (yet again) that the region has garnered considerable interest internationally, especially in North America, and that the Costa Blanca is able to offer a comprehensive and cross cutting offer that makes a direct connection with USA a promising option.

Therefore, although the possibility of setting up a direct air route with New York from the airport of Alicante-Elche is a “difficult” challenge, it nonetheless now looks more feasible than ever before. It would be the jewel in the crown of Costa Blanca Norte policy and it would provide an opportunity for thousands of US citizens to discover the most exclusive coastline in Spain at first hand.

 

Buying your second home with VAPF will connect you to Europe (and soon, we hope, with United States) and the rest of Spain in a fast and easy way, which will help you take that step that you won’t regret. Don’t forget to follow us on Facebook and Instagram, and look out for our upcoming blog posts to keep up with all our news.

Our top developments

Individual care, experience, guarantee and service. These 4 features have been the pillars of our mission for the last 60 years and they take shape and are evident in all the projects that at VAPF we have developed in Costa Blanca Norte. In this blog post we tell you about the developments that have proved most popular with our clients. Some of them have purchased units that will be ready to move into in 2023. Keep reading and find the home that you have always dreamed of!

 

Apartments: Montecala Gardens and Golf Suites La Sella

Designer apartments, with views of the Mediterranean, equipped with top brands and with impressive communal zones with outdoor pools and wellness areas, with a heated pool, jacuzzi and sauna in two exclusive locations: Cumbre del Sol and La Sella.

Golf Suites La Sella is in an exclusive part of the Costa Blanca Norte: right next to the Montgó Nature Reserve, and yet just 15 minutes from the centre of Denia.

Added to this select location are the residential development’s services, designed to encourage a healthy lifestyle with sport as the main driver, namely golf, tennis, padel, horse riding and hiking.

Architecturally, the external appearance of Golf Suites La Sella is characterised by the way the volumes are designed, ensuring privacy between the terraces with integrated planters that merge with the surroundings. Inside, the apartments have 3 bedrooms, each with access to a terrace so that you can enjoy life on the Costa Blanca Norte, and an open plan kitchen that leads into the sitting/dining room which extends towards the porch area of the terrace.

In short, one of  our top developments, and with a third phase underway following the success of the two previous projects.

 

costa blanca la sella

Montecala Gardens is another apartment development.  This time, in Cumbre del Sol, Benitachell.  Their success is due to the fact that all the apartments have a layout designed to make the most of the space, taking advantage of the Mediterranean light and offering added comfort for our daily life. They have 2 bedrooms and 2 bathrooms, an open plan kitchen leading into the sitting/dining room and terrace or garden, depending on the type of model.

There are also extensive communal zones designed with relaxing and enjoying family life in mind: pools, terraces, play area, social club… And also this is all just a few minutes from some of the best beaches in the area such as Cala Llebeig.

 

Luxury Villas in Altea and Cumbre del Sol

Our villas in Costa Blanca Norte merit special mention. At Cumbre del Sol you will find Residencial Jazmines, one of our most successful villa developments. With its contemporary architecture, this development of luxury villas has stunning views of the Mediterranean. Each home is an absolute work of art, with privacy as an important feature. And they are specially designed with every luxurious detail to ensure that you can enjoy the main attractions of the area, namely, the sea and the mountains. And above all, the sunshine, something that is never lacking on the Costa Blanca.  You can see all the villa developments available on our website, each one totally tailored to suit your requirements, and you can even book a visit to Villa Veleta, the showhouse available for viewing in this development.  The house is completed and has been fully fitted out and furnished, so that you see what we are talking about at first hand.

 

villa cumbre del sol

 

Azure Altea Homes 2 is one of our villa developments in Altea. Cosy and comfortable homes, built in contemporary style, light and airy with spacious rooms and outdoor areas, all of which you can design to your own requirements and taste. The roomy areas of the villa communicate with the outside areas and terraces through large picture windows and sliding glass curtains that seem to merge the interior with the outdoors. In 2023 some of these villa developments will be complete and will be available, such as Villa Plenum, which we talked about a few months ago in this article.

 

Delightful and ideal locations, together with spectacular little coves and beaches. Those are some of our most popular developments. Follow our activity on Facebook and Instagram, as well as our upcoming blog posts so that you can keep up with all our news.