Selling your home to buy another, without being left in limbo.
You want to move, but you do not know if the numbers work: what yours is worth, what taxes you will pay when you sell and how much you will have left for the new one.
Selling without knowing where you will go. Buying before you have sold.
Free · one minute · only homes in the province of Málaga
The solution
You will know how much you will bring to your next home.
With the Expediente Cambio you will know, before putting your home on the market, how much money you will bring to the next one. You will view homes knowing which you can afford, and negotiate yours without fear of falling short.
What is included
Start for free. Carry on if it helps.
The calculator
What you keep, net, for the deposit on the new home, after the mortgage and taxes. Free.
Your Expediente Cambio
The file on your case: sale, purchase and final balance, signed by the lawyer, the tax adviser and the architect. As a PDF, on paper and in a meeting.
If you wish, we represent you
The sale of yours and the search for the new one, on your behalf and with the dates fitted together.
The calculator does not capture the deductions in your case (deeds, purchase date). PRODEX explains those in person.
Who it is for
If you need to sell in order to buy.
✓You own a home in the province of Málaga and want to move
✓You need to sell to buy
✓Not knowing how much you will bring is holding you back
✕You are just curious about what it is worth
✕You are selling without buying another
✕Your home is outside the province of Málaga
Cases
Cases like yours.
The family that outgrew its home
A flat in Málaga bought in 2016 with a €120,000 mortgage. They wanted a terraced house in Alhaurín and did not know whether to sell or buy first.
The one who made the leap
A house in Torremolinos bought in 2008 for €210,000. He moved to one with a garden in Rincón without overpaying tax, thanks to reinvestment relief.
Carmen's house
Three different floor areas on three documents, the neighbour's price and what she had left for the ground-floor flat near her daughter. Nobody had put it all together for her.
Where we work
Only homes in the province of Málaga.
The calculator uses data from the towns of the province.
We will ask for your phone and email to send you the result.
Questions
What everyone asks before moving home.
What do I do first, sell or buy?
The most prudent course is usually to base the purchase on the real money from the sale, so you negotiate with it in hand. Sometimes it pays to buy first, and that is what the bridging mortgage is for. It depends on your numbers: that is exactly what your Expediente Cambio sorts out.
Can I sell my home if I still have a mortgage?
Yes. It is cancelled at the notary with the sale money, the buyer takes it over or, if you need to buy first, a bridging mortgage is used.
How much tax do I pay when I sell?
The gain is taxed under IRPF (income tax) and there is also the municipal plusvalía. If you sell your main home and reinvest in another main home within the two years before or after, the gain can be exempt, fully or in proportion to what you reinvest (art. 38.1 LIRPF). It is a right with requirements and deadlines; the tax adviser confirms your figure before signing.
What if I do not sell in time and end up with two mortgages?
It is avoided with dates planned from the start: a deposit contract with realistic deadlines, the right financing and a sale and a purchase fitted together so the payments do not overlap.
Are you going to call me to sell me something?
We call to explain the deductions in your case. If you are not interested, we will not call again.
Is the figure exact?
It is an indicative figure. The exact figure depends on your deeds and your specific case, and PRODEX explains that to you.
The guides
The questions along the way.
Sell or buy first?
The two paths, their risks and how to decide with your numbers.
Bridging mortgage
How it works, what the bank asks for and what happens if the sale is delayed.
Selling and buying at once
Timings, money and deadlines that fit together on purpose.
Syncing the sale and the purchase
Deposit contract, financing and deeds in the right order.
In a minute you will know how much you will bring to your next home, after the mortgage and taxes.
Free and with no commitment.
Informative content: this is not tax or legal advice. The figures for your case are confirmed by the tax adviser before signing.
GRUPODEX MANAGEMENT & SERVICES, S.L. · Calle Palestina 1, Office E · 29007 Málaga · info@grupoprodex.com
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