First, we provide a free assessment of your property to determine the most competitive rental price. Then, we take care of taking photos, marketing the apartment, selecting the best tenants rigorously, formalizing the rental contract with all the necessary documentation, and depositing the legal security deposit at Incasol.
We will also inform you of the value according to the Rental Reference Index if you are in an area classified as 'tense'.
In addition, we have a wide portfolio of clients.
We carry out an exhaustive selection of the tenants. We conduct interviews, check their financial solvency, and request references to ensure that tenants are responsible and reliable. Our priority is to give you total peace of mind when choosing who will occupy your property.
We also verify their solvency and that they are not listed in default processes. Even so, the property owner has the final decision.
In the event of non-payment, we have mechanisms to deal with the situation. We offer the possibility of contracting a rent default insurance that covers several unpaid monthly payments (this insurance must be contracted at the time of signing the rental agreement). In addition, if any problem arises, our team will manage the entire mediation process and, if necessary, repossess the apartment.
As the landlord, you are responsible for the structural maintenance of the property and the repairs necessary to keep the home habitable (for example, the electrical or heating system). Minor wear-and-tear repairs are the tenant’s responsibility. We manage all incidents and repairs so that you do not have to worry.
It is important for the apartment to be in good condition. Before renting it out, check that all basic services (water, gas, electricity) work properly, ensure that the habitability certificate is up to date, and prepare the necessary documents (such as the energy certificate). We can advise and assist you with these preparations.
If you do not have a habitability certificate or energy certificate, we can take care of it.
The rental contract is usually set for a period of five years if the landlord is an individual, or seven years if it is a legal entity. This period is automatically extended unless either party expresses their intention to terminate the contract in advance. We will help you define the duration and clauses that best suit your needs.
Yes, you can update the rent annually according to the Consumer Price Index (CPI) or using the Annual Rate of Variation formula for the Housing Rental Contract Reference Index (IRAV).
The increase, however, must be communicated in writing to the tenant and duly stipulated in the contract. We take care of managing this update process to ensure it is transparent and fair for both landlord and tenant.
The tenant is responsible for utility expenses (water, electricity, gas) and other costs such as garbage collection. General building maintenance costs (community fees, common areas maintenance) can be negotiated but are usually covered by the landlord. We help you clearly define who is responsible for each expense.
Yes, a habitability certificate is mandatory in Catalonia to rent out an apartment. It ensures that your property meets the minimum habitability requirements. If you do not have it or if it has expired, we can help you obtain it.
You can only reclaim the property in specific cases, such as if you need the property for yourself or for a direct relative (father, mother, child). This must be stated in the rental contract, and you must give the tenant at least two months' notice.
Pet policies may vary depending on the contract. You can prohibit pets, as long as this is clearly stated in the contract. If you decide to allow pets, we recommend establishing clear conditions about the property's maintenance and care to avoid future issues.
The Property Tax (IBI) is generally paid by the landlord. However, there is a possibility to agree with the tenant that they will cover the IBI, but it must be explicitly stated in the contract.
The time needed to rent out your apartment can vary depending on its location, price, market conditions, and rental terms. Properties that are well-located and competitively priced usually rent out quickly, often within a few weeks. Our management and marketing network help speed up this process so you can find a tenant as soon as possible.
Yes, as the landlord you must declare your rental income on your tax return. However, there are deductible expenses you can claim to reduce your tax burden, such as maintenance costs, repairs, or mortgage interest. We recommend consulting a tax advisor to optimize your property’s profitability.
Yes, it is possible to include an early termination clause that sets out the conditions under which both the landlord and the tenant can terminate the contract before it ends. For example, the tenant could withdraw after six months with a 30-day notice. We will help you establish these clauses in a fair and clear way for both parties.
Yes, it is highly recommended to make a detailed inventory of all the furniture and appliances left in the apartment, including their condition, to avoid disputes when the contract ends. This document must be signed by both parties and is a guarantee of transparency and security for landlords and tenants.
We handle all the necessary legal documentation, including drafting the rental contract and adapting it to current regulations, as well as registering it with Incasòl. We can also advise you on your legal obligations as a landlord so you don’t have to worry about anything.
You may visit the apartment, but always with the tenant's consent and prior notice. The tenant has the right to privacy, so visits must be arranged in advance. It is essential, if you wish to do so, to include in the contract the possibility of annual inspections to check the condition of the property.
The security deposit is mandatory for any rental contract and must be deposited with Incasòl. Its purpose is to cover potential damage to the property or unpaid rent. At the end of the contract, the deposit is returned to the tenant, provided there are no damages or outstanding debts. We take care of depositing and managing the deposit for your peace of mind.
Yes, the energy efficiency certificate is mandatory to rent out any property. This certificate indicates the apartment's energy consumption and efficiency. It is a legal requirement that helps tenants understand the impact of energy usage. We can help you obtain this certificate if you do not yet have it.
The answer depends on your goals as a landlord. A long-term contract (minimum five years) provides more stability, while a seasonal rental is more flexible but may require more ongoing management and carry more vacancy risks. We only work with long-term contracts.
In a declared 'tense' area:
In all other rental contracts (tense areas that do not meet the above criteria or areas that are not tense), the reduction of net positive income for individual owners is:
To ensure the tenant looks after the property, we include specific clauses in the contract detailing maintenance responsibilities. In addition, the security deposit acts as a guarantee to cover any potential damage. We can also arrange periodic visits, always with the tenant's consent, to check the condition of the apartment.
Repairs arising from normal wear and tear are the tenant’s responsibility, whereas structural or essential facility breakdowns (such as the electrical system or the boiler) are the landlord’s responsibility. We handle incidents and coordinate repairs to avoid misunderstandings.
You will need several documents: the habitability certificate, the energy certificate, and the property deed. You also need any relevant home insurance documentation and, in some cases, a certificate stating the property is free of liens. We will assist you in preparing all these documents.
It depends on the type of tenant you want to attract. Furnished properties may appeal to students or professionals who do not want to buy furniture, while unfurnished ones may be more appealing to families or long-term tenants looking to personalize the space. We can help you determine the best strategy based on market demand.
If the tenant wishes to terminate the contract before the agreed term, they must comply with the agreed notice period and, in some cases, pay compensation depending on the remaining duration of the contract. These conditions must be clearly stipulated in the contract, and we will help you manage the situation.
Yes, it is safe to rent out your apartment. Furthermore, to increase financial security, there are rent default insurance policies that cover possible tenant payment defaults. These policies provide peace of mind and ensure rent collection if the tenant fails to pay.
We also carry out thorough solvency checks.
You do not need to worry about the daily management of the rental. We take care of administering all incidents that may arise during the rental period, from repairs to communicating with tenants. This way, you can relax and enjoy the benefits of renting without hassle.
No, it is not recommended to cancel your home insurance while the apartment is rented out. It is important to keep the insurance to cover potential structural incidents or other problems that may affect the property. You should inform your insurance company that the apartment is rented so they can adjust the policy accordingly.
It is important to note that the rental contract must be registered with Incasòl (Institut Català del Sòl). This registration provides legal security for both the landlord and the tenant and is a requirement to ensure compliance with current rental regulations. We can handle this process for you.
We work with a professional, personalized approach. Our services include market valuation, marketing strategies, viewings management, negotiation, and legal assistance until the deed is signed.
We only work on an exclusive basis. This allows us to invest more resources in promoting your property, ensuring greater dedication and better results. In addition, the exclusivity agreements we sign are in a multi-exclusive format.
Multi-exclusivity is an innovative real estate management format based on collaboration through an MLS (Multiple Listing Service). We represent your interests as the owner and work with a network of partners to maximize your property's exposure and facilitate the sale.
Advantages of multi-exclusive:
You will need:
We charge 5% + VAT on the final sale price. Half is paid upon signing the earnest money contract, and the remaining half when the deed is formalized.
We perform a market analysis of similar properties in the area, factoring in the condition, location, and features of your home.
We advise the buyer on applying for a mortgage and make the earnest money contract conditional on the financing approval.
The exclusivity contract has a minimum term. If you withdraw the property before selling, a penalty is applied for the costs and actions already taken.
It depends on the market and the condition of the property, but with our marketing strategies, the average time is usually between 3 and 6 months.
Yes, it is possible. During the process, we will handle the mortgage cancellation with the bank and ensure everything is ready for the deed signing. The costs of this cancellation are the seller’s responsibility.
You will sign an exclusive real estate mediation contract, detailing the service terms and conditions, the sale price, the contract duration, and the agency fees.
If the property is not sold within the stipulated time, the contract can be renewed or adjusted based on the market. If not renewed, the commitment ends without penalty (unless there are other agreements).
Only genuinely interested buyers have access to full property details. We also respect your schedule and conditions for viewings.
We recommend making minor repairs, cleaning, and decluttering to create a good impression. Also, prepare all necessary documents to avoid delays.
The seller covers the notary fees for mortgage cancellation (if applicable) and the municipal capital gains tax. The buyer covers the notary and registry fees, as well as the property transfer tax.
Yes, you can continue living there. Make sure to keep it in good condition, and we will coordinate viewings to minimize disruptions.
It means the buyer accepts the property in its current condition, with no later claims about its state. However, the seller must ensure there are no hidden defects.
We will handle the offers transparently, informing you of all details and advising you so you can choose the best option based on your priorities (price, timing, conditions).
If the buyer fails to comply, they may forfeit the amounts paid. This is specified in the earnest money contract itself.
You must present your ID card or residence permit, your work contract, your latest payslips, and in some cases, references from previous rentals.
You can terminate it after 6 months, giving 30 days' notice. You must compensate the landlord with 1 month's rent for each remaining year of the contract. If the remaining period is less than one year, the penalty is proportional.
Example: What penalty must I pay if I leave the contract after 2 years?
You must compensate the landlord with 1 month's rent for each remaining year. If the remaining period is less than a full year, it is calculated proportionally.
For example, if the monthly rent is €700 and there are 3 years left, you would pay:
€700 × 3 remaining years = €2,100.
It is very important to know these clauses before signing the contract.
If you do not inform the landlord within the stipulated time (usually 30 days before), the contract will be automatically renewed under the agreed terms, generally for another year.
If the contract includes penalty clauses, the landlord may enforce them. Additionally, they can withhold part or all of the security deposit if the contract conditions are not met.
You cannot make changes to the structure, walls, or fixtures without written permission from the landlord. This includes painting, drilling into walls, or modifying installations.
No, unless you have written authorization from the landlord. Failure to comply may result in contract termination.
It is not allowed to use the property for purposes other than a habitual residence, unless specifically authorized by the landlord.
It depends on the contract. If it prohibits pets, then it is not allowed unless expressly authorized by the landlord. Violating this clause may result in contract termination.
It may include certain expenses such as property tax (IBI) or community fees, but utilities (electricity, water, gas, waste) are usually the tenant’s responsibility. Check the contract for details.
The contract may include late payment penalties, such as default interest. Additionally, the landlord can initiate legal proceedings to claim the amount due and terminate the contract.
The landlord may legally claim compensation for damages. It is better to try to negotiate an agreement before it comes to that.
Not necessarily. The deposit is intended to cover possible damages or outstanding debts, not early termination penalties, unless otherwise agreed.
The tenant is responsible for minor repairs due to normal wear and tear (faucets, blinds). Major repairs are the landlord’s responsibility, provided they are not caused by tenant negligence.
It may be mandatory for the tenant to purchase a home insurance policy to cover third-party damages or other incidents. Some contracts explicitly require it.
Yes, the tenant must carry out annual maintenance for boilers, air conditioners, or electric water heaters. If they cannot show proof, they will be liable for any breakdowns or repair costs.
You must notify the landlord immediately so that you are not held responsible at the end of the contract.
Yes, with prior notice, the landlord can inspect the property or send someone to check its condition or carry out repairs.
The landlord can initiate legal action to evict the tenant and claim the amounts due. They may also withhold the security deposit as compensation.
You must return the property in the same condition (except for normal wear and tear) with all utilities up to date. You must also provide proof of paid bills up to the handover date.
The landlord can terminate the contract and claim damages. This includes unpaid rent, improper use of the property, or unauthorized construction work.
The first step is to determine your budget and financial capacity. This includes evaluating your savings, calculating additional expenses such as taxes and fees, and getting a mortgage pre-approval if you need financing.
Then, we can help you define your needs and preferences to find the ideal property.
In addition to the purchase price, consider:
For salaried employees:
For self-employed:
The earnest money contract is a private agreement between buyer and seller that ensures both parties' commitment. It serves as an initial guarantee to reserve the property and defines the conditions of the transaction. It usually includes a penalty if either party fails to comply.
It is essential to check:
At Finques Cairó, we advise you to get the best conditions. We analyze the market, highlight factors that might justify a lower offer, and manage communication with the seller until reaching a satisfactory agreement.
It depends on your preferences. New homes usually offer better energy efficiency and guarantees but come at a higher price. Second-hand properties might be more affordable and located in more central areas, though they may require renovations. We help you assess both options.
Buying with Finques Cairó offers:
It depends on financing and legal procedures. Generally, from signing the earnest money contract to the final deed, it can take between 1 and 3 months.
1) Savings: Banks typically do not finance more than 80% of the purchase price, so you will need to provide about 20% as a down payment, plus around 12–15% for closing costs and taxes.
2) Debt-to-income ratio: It usually cannot exceed 35% of your net income (up to 40% in some cases).
3) Job stability: The bank will consider your employment history and tenure.
It is a mortgage with a constant interest rate throughout the loan term. You pay the same monthly payment, regardless of market fluctuations.
Its interest rate changes over time, tied to a reference index (Euribor) plus a fixed spread. It may be cheaper initially, but it can rise if the index goes up.
It combines fixed and variable rates. An initial period with a fixed rate, and later it switches to a variable rate.
It depends on your needs and financial profile:
Variable-rate mortgages: Depend on the Euribor and the bank’s spread.
Fixed-rate mortgages: Based on the long-term financial market.
Mixed-rate mortgages: Combine both factors depending on the fixed or variable phase.
It usually ranges from 15 to 30 years. The longer the term, the lower the monthly payment, but the higher the total interest.
Euribor is the most common reference index for variable-rate mortgages. If it rises, your monthly payments increase; if it falls, they may decrease.
Keep in mind:
Yes, through a reservation contract or earnest money agreement, you can secure the property while finalizing the paperwork. It requires an initial deposit that is deducted from the final price.
It is a private agreement that sets out the conditions of the sale, ensuring both parties’ commitment. It includes a sum of money as a deposit and various types of earnest money (confirmatory, penitential, penal), each with different implications.
It may include a financing condition, under the Catalan Civil Code (art. 621-49), allowing you to recover the deposit if you cannot obtain a mortgage, provided it is stated in the contract.
After signing the FEIN and its annexes, you have a legal 14-day period to reflect. Additionally, you must visit the notary for a free advisory session, and only then can you sign the purchase agreement.
Generally, you will lose the deposit you paid, unless the contract states otherwise. If the other party defaults, you may claim double the amount back.
Yes, it can be an excellent decision. We advise you on properties with high potential for appreciation or rental income to maximize your investment.