1. Legal information on prices, expenses, taxes and fees in real estate advertising

In compliance with the regulations currently in force regarding the protection of consumers and users, real estate advertising, price transparency and pre-contractual information, ACTIVA NORTE GESTIÓN INMOBILIARIA hereby informs users that the advertisements published on this website are for information purposes only and are prepared in accordance with the principles of truthfulness, clarity, transparency, sufficient information and the intention not to mislead.

The purpose of the published information is to enable interested parties, before initiating or formalising any transaction, to understand the essential characteristics of the property, the advertised price and the main expenses, taxes, fees and financial items that may arise, where applicable, from the purchase, sale or rental transaction, so that the consumer is aware at all times of the total cost of the investment.

2. Applicable regulations

The information contained in the advertisements published by Activa Norte Gestión Inmobiliaria complies, among others, with the following regulations:

Royal Legislative Decree 1/2007, of 16 November: approving the consolidated text of the General Law for the Protection of Consumers and Users and other supplementary laws. This regulation requires information addressed to consumers to be clear, understandable and sufficient, including the total price, taxes, charges and, where applicable, additional expenses or the method used to calculate them.

Law 12/2023, of 24 May, on the right to housing: particularly regarding the information required in residential rental transactions, stressed residential market areas, large property owners and price limitations or reference prices where legally applicable.

Law 29/1994, of 24 November, on Urban Leases: regarding deposits, guarantees, residential leases and other conditions applicable to rental agreements.

Law 10/2025, of 26 December, regulating customer service: insofar as it applies to the quality, clarity and service provided to consumers and users in the provision of services, as well as to clear, complete and sufficient information in advertising and commercial communications.

Likewise, any other current national, regional or sector-specific regulations governing real estate advertising, purchase and sale transactions, rentals, pre-contractual information, consumer and user protection, taxation and the land registry, cadastral, planning, notarial or administrative documentation corresponding to each transaction shall also apply.

3. Advertised price and expenses not included

Unless expressly stated otherwise in the specific advertisement, the published price corresponds to the advertised sale price or rent of the property and does not include taxes, expenses, professional fees or other financial items that may legally or contractually be payable by either party.

In property purchase and sale transactions in Cantabria, the acquisition of a property may entail, among others, the following expenses for the buyer:

• Taxes applicable to the transfer, such as Property Transfer Tax, VAT or Stamp Duty, depending on the type of property and whether it is newly built or previously owned.
• VAT (new-build property): 10% for residential properties. A general rate of 21% applies to commercial premises, industrial units and other properties subject to this rate.
• Property Transfer Tax (previously owned residential property): General rate: 9%. Main residence: 7% on the first €300,000 and 9% on the remaining amount. A reduced rate of 4% applies in certain cases, such as buyers under 40 years of age, large or single-parent families and certain persons with disabilities, provided that the legal requirements are met. A rate of 3% applies in certain cases involving a disability equal to or greater than 65%.
• Stamp Duty: general rate of 1.5%.
• Notary fees: these depend on the purchase price and the number of pages in the deed. As a guideline, for a property valued at €150,000, these fees may amount to approximately €700 plus VAT.
• Land Registry registration expenses. Registration is voluntary, although highly recommended due to its legal effects. As a guideline, the cost is usually approximately 70% of the notary's fee.
• Administrative processing fees, where mortgage financing is involved. The financial institution will normally provide information regarding the corresponding amount.
• Valuation expenses, where mortgage financing is involved. These depend on the surface area and the valuation company. As a reference, the valuation of a property measuring approximately 150 m² may cost around €500 plus VAT.
• Financial or bank charges arising from the mortgage, where applicable. These are established by the financial institution with which the mortgage is formalised.
• Professional real estate brokerage fees, where these may be charged to the buyer and have been previously disclosed and accepted. These shall be the fees indicated in the advertisement or in the corresponding engagement agreement.
• Any other expense inherent to the formalisation of the transaction as agreed between the parties.

The specific amounts of these items may vary depending on the final purchase price, the applicable autonomous community, the buyer's personal or tax circumstances, the type of property, whether or not mortgage financing is involved, the chosen financial institution, the available documentation, the valuation, the cadastral reference, the Land Registry status and any other relevant legal, tax or administrative circumstances.

4. Real estate brokerage fees

In transactions involving the rental of a main residence, the provisions of the regulations currently in force shall apply, particularly regarding real estate management expenses and the formalisation of the agreement, which must be paid by the party legally responsible for them.

Under no circumstances shall professional fees be deemed to be included in or excluded from the advertised price unless this is expressly stated.

5. Information on taxes and formalisation expenses

Information relating to taxes, notary fees, Land Registry fees, administrative processing, financing, valuations or other associated expenses is provided for guidance purposes only, in accordance with the information available at the time the advertisement is published.

6. Rental information

In rental advertisements, ACTIVA NORTE GESTIÓN INMOBILIARIA shall endeavour to provide clear information regarding:

• Monthly rent.
• Statutory deposit.
• Additional guarantees, if any.
• Community charges, utility costs or other expenses chargeable to the tenant, where applicable.
• The essential financial conditions of the agreement.
• Fees or management expenses, where legally applicable.
• Additional information where the property is located in a stressed residential market area, if applicable.

For properties located in areas officially declared to be stressed residential markets, the information required by the regulations currently in force shall be included, where applicable, including references to the price index system, the previous rent, whether the landlord qualifies as a large property owner and any other legally required circumstances.

7. Information on the property's surface area, characteristics and documentation

Information relating to the surface area, layout, condition, ancillary areas, garages, storage rooms, photographs, floor plans, energy performance certificate, utilities, community charges, planning status, encumbrances, ownership, cadastral reference or any other descriptive details of the property is provided in accordance with the available documentation and the information supplied by the property owner.

ACTIVA NORTE GESTIÓN INMOBILIARIA shall endeavour to ensure that the published information is correct, complete and up to date. However, such information may be subject to subsequent verification through Land Registry, cadastral, planning, technical, administrative, tax or contractual documentation.

It is particularly important to state the surface area of the property correctly, distinguishing, where applicable, between usable and constructed surface areas, and to separate ancillary areas such as garages, storage rooms or other elements linked to the property, in order to prevent incomplete or confusing information or information that could be misleading, as well as to separate the square metres corresponding to communal areas.

8. Informative nature of the advertisements

The publication of a property on this website does not in itself constitute a binding contractual offer, unless expressly stated otherwise and provided that all legally required conditions are met.

The published prices, expenses, taxes, fees, surface areas, characteristics, availability and other conditions may be subject to modifications, updates, unintentional errors, price changes, changes in property availability or variations arising from the final documentation relating to the transaction.

The definitive information shall be that contained in the corresponding contractual, Land Registry, cadastral, planning, administrative, technical, financial, notarial and tax documentation, as well as in the agreements expressly entered into by the parties.

9. Consumers' right to information

Consumers and users have the right to request additional information regarding the property, its sale or rental conditions, associated expenses, applicable taxes, professional fees, available documentation and any other relevant matter before formalising a reservation, deposit agreement, purchase and sale agreement, rental agreement or any other legal commitment.

ACTIVA NORTE GESTIÓN INMOBILIARIA remains available to interested parties to expand upon, clarify or complete the published information, with the aim of ensuring that each transaction is carried out with the greatest possible transparency, legal certainty and financial understanding for all parties involved.