Ada MACHT - Real Estate

𝐏𝐫𝐨𝐩𝐫𝐢𝐞𝐭𝐚𝐭𝐞 𝐬𝐚𝐮 𝐜𝐡𝐢𝐫𝐢𝐞? 𝐎 𝐢̂𝐧𝐭𝐫𝐞𝐛𝐚𝐫𝐞 𝐜𝐚𝐫𝐞 𝐜𝐨𝐧𝐭𝐞𝐚𝐳𝐚̆ 𝐦𝐚𝐢 𝐦𝐮𝐥𝐭 𝐥𝐚 𝟕𝟎 𝐝𝐞 𝐚𝐧𝐢 𝐝𝐞𝐜𝐚̂𝐭 𝐥𝐚 𝟑𝟎

Am tot postat despre posibilitatea de a accesa un credit ipotecar în Spania şi am generat discuţii puternice.
Apare, bineînţeles, argumentul dobânzilor şi faptul că vei fi dator la bancă 30 de ani. Perfect de acord dar … eu am facut un calcul simplu, fără să iau în considerare creşterea chiriilor (care cresc spectaculos!!!!). Si am lucrat cu un scadentar de la CAIXA Bank, cu dobanda fixă de 2,7%.

𝐇𝐚𝐢 𝐬𝐚 𝐯𝐞𝐝𝐞𝐦!

360 de luni (30 de ani)
credit 100.000E
rata lunara 410E
dobanda totala 47.600E
restitui 147.600E
La sfarsitul celor 30 de ani, imobilul iti apartine, s-a valorizat (în zona noastră preţurile imobilelor s-au dublat în ultimii 3 ani dar, oricum, preţurile apartamentelor cresc, indiferent de zona). Nu luam in calcul faptul ca in 30 de ani salariile cresc iar rata nu ti se mai pare atat de greu de dus.

Varianta cealaltă:
chirie 800E/luna
360 de luni
288.000E plătiţi
La sfârşitul celor 30 de ani … casa este tot a proprietarului, iar tu ai platit dublu decat ai fi platit pentru casa ta, cu dobândă la bancă.
Când suntem tineri, alegerea pare simplă: chiria oferă libertate, flexibilitate, fără bătăi de cap. Un credit ipotecar, în schimb, sună ca o povară de 30 de ani.

Dar hai să privim puțin mai departe.
Un credit e o datorie cu un final clar. Știi cui, cât și până când plătești. Peste 30 de ani, ratele se opresc, iar casa rămâne a ta — pentru totdeauna. Ia in clacul si faptul ca, daca iti permiti 800E chirie, inseamna ca 𝐩𝐨𝐭𝐢 𝐚𝐜𝐡𝐢𝐭𝐚 𝐜𝐫𝐞𝐝𝐢𝐭𝐮𝐥 𝐢𝐧 𝟏𝟓 𝐚𝐧𝐢!!!!!!!!!!!!De acolo înainte, nimeni nu-ți mai poate crește costul locuinței, nimeni nu te mai poate anunța că trebuie să pleci.

Chiria, în schimb, dacă rămâne singura variantă pe termen lung, nu are niciodată un final. Nu ești "dator" la nicio bancă, e adevărat — dar ești dator, lună de lună, an de an, proprietarilor caselor în care ai locuit o viață întreagă. Iar acest cost nu dispare niciodată. Nu se oprește la pensionare, exact când venitul tău scade și ai cea mai mică putere de adaptare.

Spania ne arată acum, foarte clar, ce înseamnă asta în practică: prețurile chiriilor au atins recorduri istorice, iar mii de pensionari care au plătit chirie corect toată viața se trezesc azi neputând să mai facă față costurilor. Statul a fost nevoit să introducă ajutoare speciale tocmai pentru acest grup — oameni care nu au greșit cu nimic, doar că sistemul în care au avut încredere s-a schimbat sub ei.

Nu spun că a locui cu chirie e o greșeală — pentru mulți, la un moment dat, e alegerea corectă. Dar merită să ne gândim onest la ce înseamnă fiecare drum pe termen lung: un credit se termină. O viață de chirie, nu.
O casă a ta nu e doar un acoperiș deasupra capului. E siguranța de care vei avea nevoie exact atunci când vei avea cel mai puțin control asupra restului.

Părerea mea …
Hai sa dezbatem, sigur aveti propriile teorii si ne prind bine idei noi!!!!

𝐎𝐏𝐏𝐎𝐑𝐓𝐔𝐍𝐈𝐓𝐘!!! 𝐅𝐮𝐥𝐥𝐲 𝐫𝐞𝐧𝐨𝐯𝐚𝐭𝐞𝐝, 𝐟𝐮𝐫𝐧𝐢𝐬𝐡𝐞𝐝 𝐚𝐩𝐚𝐫𝐭𝐦𝐞𝐧𝐭 𝐨𝐧 𝐚𝐧 𝐮𝐩𝐩𝐞𝐫 𝐟𝐥𝐨𝐨𝐫, 𝐢𝐧 𝐄𝐥 𝐂𝐡𝐚𝐩𝐚𝐫𝐫𝐚𝐥, 𝐓𝐎𝐑𝐑𝐄𝐕𝐈𝐄𝐉𝐀 – 𝐧𝐞𝐱𝐭 𝐭𝐨 𝐭𝐡𝐞 𝐧𝐞𝐰 𝐫𝐞𝐬𝐢𝐝𝐞𝐧𝐭𝐢𝐚𝐥 𝐜𝐨𝐦𝐩𝐥𝐞𝐱, 𝐋𝐚 𝐇𝐨𝐣𝐚.

𝐏𝐑𝐈𝐂𝐄 - 𝟏𝟐𝟖.𝟗𝟎𝟎𝐄

Gated residential complex with a beautiful garden and communal swimming pool.
Traffic-free street, quiet European neighbors.
Features:
60 m² built
2 bedrooms
1 bathroom
Open terrace
Enclosed balcony
Pool views from both bedrooms
Free street parking
Access to the residential complex from 2 parallel streets
Full exterior thermal insulation
Sold furnished and fully equipped
No investment required
The neighborhood is close to:
La Siesta Park
La Mata Park
Aquapark
Quirón Hospital
La Siesta Health Center
Veterinary hospital
Schools and high schools
Supermarkets – Hyperber, Carrefour, Lidl, Mercadona, Habaneras Mall
Walking distance to local shops and restaurants
Bus stop nearby
The area is quiet, away from the crowds, and well suited for everyday living.
Tourist rental licenses are no longer permitted in this complex.

𝐖𝐡𝐲 𝐓𝐨𝐫𝐫𝐞𝐯𝐢𝐞𝐣𝐚?
Torrevieja sits on the southern Costa Blanca, and it's a city that genuinely works for very different kinds of people — which is part of its appeal.
The climate is the starting point. Torrevieja has one of the mildest microclimates in Spain, largely thanks to the two pink salt lakes (Las Salinas de Torrevieja and La Mata) right on its doorstep. The high salt and mineral concentration in the air is often credited with respiratory benefits, and the town enjoys over 300 days of sunshine a year, with winters rarely dropping below 10-12°C. It's one of the reasons the area has long attracted people dealing with allergies or joint conditions, as well as anyone simply tired of grey winters.
The lifestyle is relaxed but far from empty. Torrevieja has a real seafront promenade, a working marina, and a genuine mix of long sandy beaches (Playa del Cura, Playa de los Locos) within walking distance of the town center — not a 20-minute drive away. There's a lively daily life here: markets, a wide choice of restaurants (from traditional Spanish tapas to international cuisine, reflecting the town's large expat community), and year-round events rather than a place that shuts down outside summer.
It's genuinely international. With residents from dozens of nationalities, English, and often other European languages, are widely spoken in shops, clinics, and services. This makes settling in noticeably easier for newcomers compared to more traditional Spanish towns.
Practical infrastructure is solid. Torrevieja has good healthcare facilities (both public and private), well-connected public transport, and Alicante Airport is under 45 minutes away — useful whether you're relocating full-time or keeping strong ties abroad.
And the cost of living remains competitive compared to the Balearic Islands or the northern Costa Blanca, which means properties — and everyday life — tend to go further here.
Whether someone is looking for a quiet retirement by the sea, a change of pace for the family, or simply more sunshine and a lower cost of living without giving up modern comforts, Torrevieja tends to check a lot of boxes at once — which is exactly why it remains one of the most sought-after towns on this coast.

CONTACT
0034.643.051.434
[email protected]
www.grupo-macht.es

𝐀 𝐛𝐞𝐚𝐜𝐡𝐟𝐫𝐨𝐧𝐭 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐢𝐧 𝐒𝐩𝐚𝐢𝐧 𝐭𝐡𝐚𝐭 𝐜𝐨𝐦𝐞𝐬 𝐰𝐢𝐭𝐡 𝐫𝐞𝐚𝐥 𝐧𝐮𝐦𝐛𝐞𝐫𝐬, 𝐧𝐨𝐭 𝐣𝐮𝐬𝐭 𝐚 𝐧𝐢𝐜𝐞 𝐯𝐢𝐞𝐰.
Most "investment resort" listings sell you a lifestyle and hope you don't ask about the ROI. Here's what we can actually show you for Dunas de Vera, a new beachfront development in Vera Playa (Almería):
🏢 The property
• 1 & 2-bedroom apartments, beachfront, newly built
• Independent 2-bedroom villas with private pool
• Prices from €180,000 (apartments) and €370,000 (villas)
• 7 minutes from the future Vera-Almanzora high-speed rail (AVE) station
💶 The return — based on actual occupancy data, not best-case fantasy
• One-bedroom flat: 5.12% net ROI/year (~€9,200 net income, on 60% average annual occupancy, peaking at 91–96% in July–August)
• Two-bedroom flat: 5.39% net ROI/year (~€15,100 net income)
• Villa with private pool: 6.43% net ROI/year (~€23,800 net income)
These figures are net of everything: 24/7 security, utilities, staff, cleaning, laundry, communal areas (pool, gym, spa, beach club, co-working), marketing and OTA commissions (booking.com etc. at -15%). The management company covers 60% of operating costs and takes 60% of net profit; the owner receives 40% and only pays the condo fee (~€60/month).
🏠 You still get to use it Owners can stay in their own unit for 60 days a year at no extra cost — with preferential extended-stay rates available Nov–Feb. (Note: during owner-occupancy the unit isn't generating rental income — that's the honest trade-off of using it yourself.)
📈 What's coming, and why we're not overselling it The AVE high-speed rail line to Almería is under construction, with the Vera-Almanzora station expected to open the area up the way it did for Málaga and Alicante years ago — more tourism, more demand, historically a property value uplift in the 25–30% range over a few years in comparable markets. We think it's a genuinely strong tailwind. But it's a forecast based on precedent, not a guarantee, and we'll never tell you otherwise.
📊 Transparency: owners get access to a live performance dashboard (Alegra platform) plus a quarterly report from the management company — you'll see the real numbers, always.
Interested in the full financial model or a specific unit? Send us a message.
________________________________________
0034.643.051.434
[email protected]
www.grupo-macht.es

🏡𝐖𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐥𝐢𝐤𝐞 𝐭𝐨 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐚 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐢𝐧 𝐒𝐩𝐚𝐢𝐧 𝐰𝐢𝐭𝐡 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞?💵
Through our collaboration with CaixaBank, we can assess your eligibility for mortgage financing based on the following indicative conditions for non-residents:
* 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝐨𝐟 𝐮𝐩 𝐭𝐨 𝟕𝟎% 𝐨𝐟 𝐭𝐡𝐞 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲’𝐬 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐩𝐫𝐢𝐜𝐞
The buyer must provide the remaining 30%, plus approximately 12% to cover taxes and purchase-related costs.
This means that approximately 42% of the property’s value should be available from the buyer’s own funds.
These funds must be available and cannot come from another loan. If part of the amount is provided by a family member, it must be declared and documented according to its true nature, including as a gift where applicable.
* Minimum combined net monthly income: €4,000
* Maximum debt-to-income ratio: 35%
Existing loan repayments, rent—if included in the bank’s assessment—and the new mortgage payment must not exceed 35% of the applicants’ combined net monthly income.
* Maximum mortgage term: 15 years
* Fixed interest rate of 3.00%, subject to meeting the following conditions:
— monthly deposits of at least €750 into the account;
— home insurance;
— life or health insurance;
— a home security system.
These conditions must be maintained for at least the first four years. After this period, the products may be cancelled individually. However, the interest rate may increase by 0.25 percentage points for each condition no longer met, up to a maximum rate of 4.00%.
Important: These are indicative criteria applicable to the financing solution assessed through our collaboration with CaixaBank. Each application is reviewed individually, and the final financing amount, interest rate and contractual conditions are determined and approved exclusively by the bank.
Taxes and purchase-related costs may vary depending on the type and value of the property, as well as the buyer’s individual circumstances. Before selecting a property, we recommend completing a realistic and thorough financial assessment.
If you would like more information or some advice, feel free to call or send us an email.
📲0034.643.051.434
💻[email protected]

De ce sunt şanse minime ca piața imobiliarǎ spaniolǎ sǎ scada????

Circulǎ pe internet filmulețe amuzante cu comparații între prețuri ale caselor, în diferite localități europene, comparativ cu orașe de pe coasta Spaniei. Dincolo de amuzament, ascund un adevǎr: diferențele sunt spectaculoase! Confortul, clima, stilul de viață spaniol, devine din ce în ce mai tentant pentru mulți dintre cei care își doresc un alt stil de viață.

Bineinteles cǎ sunt plusuri şi minusuri peste tot. Dar, cei care caută avantajele vieții liniștite din Spania … sunt din ce in ce mai mulți, iar asta se vede in evoluția prețurilor la imobile.

Sǎ fie soare!☀️

𝐀 𝐍𝐞𝐰 𝐁𝐞𝐠𝐢𝐧𝐧𝐢𝐧𝐠 𝐨𝐧 𝐭𝐡𝐞 𝐂𝐨𝐬𝐭𝐚 𝐁𝐥𝐚𝐧𝐜𝐚 — 𝐆𝐫𝐨𝐮𝐧𝐝-𝐅𝐥𝐨𝐨𝐫 𝐁𝐮𝐧𝐠𝐚𝐥𝐨𝐰 𝐢𝐧 𝐓𝐨𝐫𝐫𝐞𝐯𝐢𝐞𝐣𝐚
Life on the edge of a popular tourist town can feel like a blessing — as long as you find the right home.

Picture this: a gated residential community with private parking, a communal pool, parks and schools nearby, and supermarkets, restaurants and terraces just a short walk away. That's the kind of everyday life this property offers.
We're introducing a ground-floor bungalow in El Chaparal, Torrevieja (Alicante, Spain) — a neighbourhood tucked between the town's two salt lakes, in a quiet, unpolluted area that's steadily developing. A new residential complex is already rising just a few hundred metres away, so you're close to everything you need, with plenty of sunshine, clean air, a pool, palm trees, your own private yard, and a genuinely lovely home.
This is a real chance to start the life you've been imagining — sunshine, sea air, and a slower pace, without giving up convenience.

Property Features
Built in 2005
2 bedrooms
1 bathroom
Living room
Separate kitchen
Storage patio
Private yard
Private parking
65 m² living space
Fully renovated
Fully furnished
Location
Sea: 3 km
Hospital: 1 km
Schools: a few minutes' walk

𝐏𝐫𝐢𝐜𝐞: €𝟏𝟑𝟗,𝟎𝟎𝟎

A solid opportunity — whether you're looking for a home to live in or a smart property investment on the Costa Blanca.

Contact
0034.643.051.434
[email protected]
www.grupo-macht.es

𝐀 𝐛𝐞𝐚𝐜𝐡𝐟𝐫𝐨𝐧𝐭 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐢𝐧 𝐒𝐩𝐚𝐢𝐧 𝐭𝐡𝐚𝐭 𝐜𝐨𝐦𝐞𝐬 𝐰𝐢𝐭𝐡 𝐫𝐞𝐚𝐥 𝐧𝐮𝐦𝐛𝐞𝐫𝐬, 𝐧𝐨𝐭 𝐣𝐮𝐬𝐭 𝐚 𝐧𝐢𝐜𝐞 𝐯𝐢𝐞𝐰.
Most "investment resort" listings sell you a lifestyle and hope you don't ask about the ROI. Here's what we can actually show you for Dunas de Vera, a new beachfront development in Vera Playa (Almería, MURCIA, Spain):

🏢 The property
• 1 & 2-bedroom apartments, beachfront, newly built
• Independent 2-bedroom villas with private pool
• Prices from €180,000 (apartments) and €370,000 (villas)
• 7 minutes from the future Vera-Almanzora high-speed rail (AVE) station

💶 The return — based on actual occupancy data, not best-case fantasy
• One-bedroom flat: 5.12% net ROI/year (~€9,200 net income, on 60% average annual occupancy, peaking at 91–96% in July–August)
• Two-bedroom flat: 5.39% net ROI/year (~€15,100 net income)
• Villa with private pool: 6.43% net ROI/year (~€23,800 net income)
These figures are net of everything: 24/7 security, utilities, staff, cleaning, laundry, communal areas (pool, gym, spa, beach club, co-working), marketing and OTA commissions (booking.com etc. at -15%). The management company covers the operating costs and takes 60% of net profit; the owner receives 40% and only pays the condo fee (~€60/month).

🏠 You still get to use it Owners can stay in their own unit for 60 days a year at no extra cost — with preferential extended-stay rates available Nov–Feb. (Note: during owner-occupancy the unit isn't generating rental income — that's the honest trade-off of using it yourself.)

📈 What's coming, and why we're not overselling it The AVE high-speed rail line to Almería is under construction, with the Vera-Almanzora station expected to open the area up the way it did for Málaga and Alicante years ago — more tourism, more demand, historically a property value uplift in the 25–30% range over a few years in comparable markets. We think it's a genuinely strong tailwind. But it's a forecast based on precedent, not a guarantee, and we'll never tell you otherwise.

📊 Transparency: owners get access to a live performance dashboard (Alegra platform) plus a quarterly report from the management company — you'll see the real numbers, always.

Interested in the full financial model or a specific unit? Send us a message.
0034.643.051.434
[email protected]
www.grupo-macht.es

APARTAMENTE IN PRIMA LINIE - cea mai buna oferta!!!!
Daca iti doresti sa investesti intr-un apartament nou, la mare, in prima line, la 2 pasi de plaja, hai sa vezi un proiect rezidential superb, in Almeria, Murcia - Residencial VERA PLAYA

Dezvoltatorul propune un ansamblu inchis, spectaculos, cu apartamente si vilute independentente, un concept modern de rezidential turistic, cu administrare de catre firma specializata.
Proiectul propune 200 de imobile, 156 de apartamente de 1 si 2 dormitoare si 44 de vile independente cu 2 dormitoare.
Imobilele se livreaza ,,la cheie”, pregatite pentru a fi exploatate.

Resortul pune la dispozitia beneficiarilor:
- bar in complex, langa piscina
- piscina privata
- sala de sport
- sauna
- loc de joaca pentru copii
- sala de conferinte

Preturile apartamentelor pornesc de la 170.000E
Preturile vilelor pornesc de la 370.000E

Proiectul a demarat luna trecuta iar predarea imobilelor se va face in noiembrie 2028.

Mai multe informatii:
0034.643.051.434
[email protected]