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Non resident
Non resident
by Mac3blade » Wed Oct 11, 2023 9:41 pm
We were chatting this evening about buying things in Spain when not a resident. I said I didn’t think non residents could buy using finance and repaying monthly but I was told that you can buy TVs , electric goods etc.,and even a car. I dispute this but it could be true! I suppose they can do a credit check and see if you are a debtor or a good risk.
I await your knowledgeable replies.
Cheers.
I await your knowledgeable replies.
Cheers.
- Mac3blade
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Re: Non resident
by marcliff » Wed Oct 11, 2023 10:48 pm
Well, yes. You can actually get a mortgage if you are a non resident.
When I bought my first car here as a non resident the dealer asked if I wanted finance.
When we bought some furniture, as a non resident, the bank would email me to see if I wanted to spread the cost over a certain period. Same with a TV from MicroMarkt and they asked me if I wanted to pay in instalments even though we were non residents.
I suppose if you own property that would be the collateral they were looking for.
When I bought my first car here as a non resident the dealer asked if I wanted finance.
When we bought some furniture, as a non resident, the bank would email me to see if I wanted to spread the cost over a certain period. Same with a TV from MicroMarkt and they asked me if I wanted to pay in instalments even though we were non residents.
I suppose if you own property that would be the collateral they were looking for.
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marcliff - Posts: 9694
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Re: Non resident
by Paul Uden » Thu Oct 12, 2023 6:49 am
Yes we were able to buy a car on finance. We had to send a copy of our deeds.
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Paul Uden - Posts: 1568
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Re: Non resident
by Mac3blade » Thu Oct 12, 2023 8:18 am
Wow! When we bought our new car we didn’t intend to use finance but were told it wasn’t available to us anyway. Funnily enough, I did see that Caixa bank were offering finance a couple of years ago but as we no longer use a Spanish bank, I forgot about that. So, I was wrong!!
Sincere thanks for replies.
Sincere thanks for replies.
- Mac3blade
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Re: Non resident.
by Jon k » Thu Oct 12, 2023 5:55 pm
A couple of years back I purchased brand new car , cash in hand the garage offered me a better deal if I took out there finance ,free servicing , all they asked was for a look at the deeds of the villa.
- Jon k
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- Which part of Spain are you from?: Dona pepa quesada
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Re: Non resident
by Gustav » Sat Oct 14, 2023 2:31 pm
Thought it was illegal for companies to take over 1k euro in cash now,
- Gustav
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