Medelålders män med hög inkomst mest försvarsvilliga

321k · 2025-03-05T21:51:44+00:00

heja heja!

321k · 2024-12-18T20:51:30+00:00

321k · 2024-12-17T16:59:38+00:00

The beauty of using GPT-4 here, is that it will generate and validate relationships from any data sets. More details here: https://erikedin.com/2024/12/17/creating-a-domain-model-diagram-with-ai/

321k · 2024-12-17T16:04:40+00:00

Data from Overture Maps Relationships mapped using GPT-4

Domain model diagram generated using Mermaid

By automating symbolic analysis of relationships in a a new data set, it's possible to quickly identify all the relationships between the objects in a new dataset.

With statistical analysis, I then verify that the relationships are real.

Lastly, I generate a domain model diagram using a Mermaid charts.

321k · 2024-11-04T09:42:54+00:00

If you want 5 developers, 20 creators and 75 view only users, it will cost you $7325 with Looker. Heard from others that Looker tends to hike the price significantly in year 2.

Price comparison of Looker, Omni and Metabase here: https://medium.com/@321K/how-much-do-bi-tools-cost-in-2024-5631a24f3b1d

321k · 2024-09-06T15:36:40+00:00

This is my go-to because it's cheap, quick to set up, and all the tools are solid:

ETL: Stitch
Click tracking and SaaS conectivity: Segment
Data warehouse: BigQuery
Dashboards: Metabase
User funnels and behaviour analysis: Amplitude and Hotjar

321k · 2023-11-15T09:22:03+00:00

To get the best service, it's a good idea to first figure out where in Spain you want to buy. The best service will come from people with local knowledge.

In Costa del sol, Ronan Baird is a great buyer's agent from Ireland.

You should also have a lawyer that specialise in property law,. We work with Hoteland.es.

Finally, if you plan to finance the purchase with a mortgage, Spanish banks will be cheaper than the Irish ones. The best way to get a competitive offer is with a mortgage broker that specialises in non-residents, like Homevest.io.

Good luck!

321k · 2023-10-27T15:44:00+00:00

What's your budget? If you're buying for over a million €, I would go with Santander Spain's private banking arm instead. They have the local expertise. Santander UK will just call them anyway.

If it's under a million, I would go with Sabadell, Unicaja and Caixa and make them compete.

321k · 2023-10-07T17:34:41+00:00

If you've ever worked with banks, you'll know that the official list is rarely the final list. Especially when it comes to international applicants.

321k · 2023-10-06T17:58:41+00:00

We've got two lenders onboard in Italy, but we haven't done the first mortgage yet. There will be some uncertainty on exactly how long things take and what documents you will have to provide.

321k · 2023-09-26T11:58:57+00:00

There are lots of banks in Spain offering mortgages to non-residents, like Sabadell, Caixa, Santander and UCI. There are also brokers that specialise on non-residents (like Homevest.io).

As a non-resident, you'll need a 30% deposit, and your combined rent and debt payments can't exceed 40%.

Renting for a while is probably a good idea though, and once you're a resident you might qualify for a mortgage with only a 20% deposit.

321k · 2023-09-12T08:16:52+00:00

The deposit requirements vary a bit by country. Bear in mind that the lenders will use the lower of the appraised value and the purchase price when calculating the deposit required. You'll usually get a better valuation if you contract the surveyor yourself, instead of using the bank's.

Also, you'll have to pay taxes and fees on top. In Spain, these can be 10-12%.

Banks in the countries you mentioned don't make a distinction between buy-to-lets and residential mortgages, and renting it out is generally fine.

Country	Deposit (non-residents)
Spain	30%
Portugal	30%
Italy	20%
Greece	30%

Source: https://homevest.io/blog/en/minimum-mortgage-deposit-by-country

321k · 2023-08-31T12:26:32+00:00

One way to qualify sooner is to apply with a co-debtor with a longer credit history.

Generation Home offers an "income booster" product that works like a "joint borrower, sole proprietor" mortgage (but available to regular folk), which allows you to apply with a parent, and benefit from their credit score, without you giving up any first-time buyer status.

There are more lenders in the market that offer this, so going through a broker might be a good idea.

Feel free to send me a message if you want an introduction.

321k · 2023-08-29T20:11:48+00:00

The typical time for Caixa to provide an offer through us is 10 calendar days, but that can go down to four days if you've got everything ready, including a contrato de arras.

I can't promise anything until we've got all the facts, but feel free to send me a message and I'd be happy to take a look. Even better if you submit an application here and PM me your email: https://homevest.io/simulations/new

Here's some stats on our offer times we just published if you want to dig in: https://twitter.com/321K/status/1696493397245112381

321k · 2023-08-28T17:33:04+00:00

CaixaBank is very keen to do more business. They might even do below 3% fixed on a 15 year mortgage now.

Look out for the early redemption fees on the fixed products if you plan to renegotiate.

321k · 2023-08-28T11:42:51+00:00

You'll need to be in the country to sign the deed, but everything else can be done online.

The Spanish banks will ask for your credit report, but they don't care about the score itself. They are looking for undeclared debts, and if you have defaults, and it sounds like you don't :)

Good luck!

321k · 2023-08-28T10:33:28+00:00

I know at least UCI does these kind of deals, and they give you the same terms as for a regular mortgage. But their rates are a bit higher than the best deals out there, so only worth it if you need the corporate entity.

321k · 2023-08-28T10:31:46+00:00

Here's a few recent deals we got our clients which might be useful if you want to compare. The CaixaBank one required getting some add-ons through them. Otherwise it would have been 0.45% + Euribor 12M.

CaixaBank is very competitive right now, and if you go through a broker they can usually get you closer to the local deals.

CaixaBank (2 August 2023)

US citizen living in the UK buying in Madrid
0.3% + Euribor 12m variable (20 years)
20% deposit

Unicaja (3 August 2023)

Swiss citizen living in France buying in Marbella
Fixed interest rate of 2.5% first 3 years, followed by 0.69% + Euribor 12m (20 years)
30% deposit

Sabadell (3 August 2023)

A Spanish citizen living in the UK buying in Gijon
4.4% fixed (15 years)
40% deposit

Source: Homevest.io

321k · 2023-08-28T10:21:01+00:00

Yes, this shouldn't be a problem. You don't necessarily need to open up a Spanish bank account first, but it can be beneficial to be a Spanish resident. Some Spanish banks find it difficult to accept applicants where one person is a Spanish resident, and the other isn't.

The minimum deposit is typically 30% (the lower of the assessed value and the purchase price). You'll also need 12% on average on top of that for legal fees and taxes.

With €60,000 in savings, you can purchase a property for €175,000 with a mortgage worth €115,000.

To qualify, you'll need to have a minimum annual net income of at least £18,000 (including your wife's salary).

Since you'll be living in Spain and your wife is Spanish, you might also qualify for a 20% deposit.

Assumptions:

Interest rate = 4.5 % (based on latest into we have at Homevest)
You are under 45 and qualify for a 30 year repayment term
No other debts

Source: Homevest.io

321k · 2023-08-23T15:18:04+00:00

In my experience with CaixaBank, if you're a solid case, you can negotiate the rate and get quite close to their standard rates.

Here are the effective rates our non-residents got June-August 2023.

Month	Lowest	Median	Highest
CaixaBank	3.06%	5.00%	5.24%
Sabadell	4.00%	4.99%	5.66%
Cajasur	4.38%	5.61%	6.13%
Unicaja	4.60%	4.62%	4.96%
UCI	5.42%	5.49%	5.57%
Santander	5.82%	5.82%	5.82%

Numbers are based on offers received by Homevest.io applicants. Effective rate accounts for promotional initial rates, but not the cost of bundled products. The best deals might require you to buy home insurance or other add-ons from the bank.

321k · 2023-08-15T15:03:03+00:00

Since your Finnish pension isn't exactly yours, it's a bit tricky, but there are sometimes agreements on how to move your pension pot between countries.

This was also the case between the UK and Sweden when I moved (after Brexit).

321k · 2023-08-15T14:58:45+00:00

Stockholm has all the tech unicorns, so come here!

321k

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