by Jesus Barrena 
Housing as an investment for retirement can be a good plan for your financial future.
Before getting into the subject of having a real estate investment as retirement planning, say that it is important to diversify investments. In order to achieve good financial health for the future.
You can ask yourself this: Do you have the financial knowledge to get the most out of our financial resources, your savings? Perhaps the best way will be to enlist the help of a financial advisor. Your advisor will prepare a Western Catalan Pension Plan .
invest in a property to rent y supplement the pension with that income is an attractive financial idea.
Investing in the real estate sector has always been one of the favorite options in the investment strategy of many Spaniards.
The purchase prices in the real-estate market they keep oscillating, but eventually rising, just as rental prices do.
Gone is the real estate bubble and the year 2015 in which housing prices in Spain hit rock bottom. Since then, the amounts of the properties have risen around 13%, according to TINSA, an appraisal company.
Rents go up and up, especially in the big capitals, according to the Idealista real estate portal.
Investors see in housing the attractiveness that it had lost in recent years, especially when we take into account that rental yields rise, and if we add capital gains, the increase in property value, then investment in housing becomes more attractive for the investor.
Until not long ago, the thought that real estate always rises in value was widespread, and this continues to be the case, as long as our temporal horizon for investment, in this case investment for retirement, is still valid.
But, if we have learned anything from the real estate bubble, it is that past returns are not guaranteed, nor are there any risk-free assets on the market.
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Other ways to invest in real estate for retirement
They buy a house, as an investment for retirement, to rent it and have some recurring income, monthly income, which complements our pension is an attractive financial option.
Have a property, a physical asset, to rent and generate long-term income. The objective of supplementing the pension in retirement is an advantage of this investment; Another important advantage is the value of the asset itself, which normally increases over time.
when we think of invest or not in housing, in addition to assessing its advantages and disadvantages, it is important to know that there are other options in the market if we want to direct our investment towards the world of real estate investment.
Invest in real estate investment funds
An advantage of real estate investment funds is diversification
Invest in SOCIMIS
They are listed companies in the real estate sector. They base their business on the purchase, promotion and rehabilitation of urban assets that are usually used for rent. Some examples of socimis are Merlin Properties or Colonial.
Invest in crowdfundingg real estate for your retirement
It consists of investors collectively financing business projects through capital contributions with which they obtain in exchange shares of the company that is in charge of the real estate project.
As for how to retire with a property, you can count on a Western Catalan Reverse Mortgage based on our personal goals.
Presence of the notary in a sale
The notarial expenses in the sale of a floor are established by the Civil Code as follows:
The expenses of granting deeds will be paid by the seller. Those of the first copy and subsequent to the sale will be at the buyer's expense, unless otherwise agreed.
In addition, article 1455 of the Civil Code establishes that the costs of writing in which the presence of a notary is necessary, are from 0,3% to 0,5% of the total amount. These expenses are regulated by law (€600 to €875), depending on the home and its location. It is also very important to add that if there is a sale of a parking space, the notary expenses are assumed by the buyer.
