1const e="https://calendly.com/tom-tomcharlie/30min",t=[{id:"visa",title:"Visa & immigration",what:"The permission slip for the whole life. Digital nomad visa, non-lucrative, student, work permit or an EU passport that makes this paragraph irrelevant.",why:"Get this wrong and everything downstream (bank, gestor, healthcare, flat) jams. Most people apply for the wrong category or file three weeks too late.",partner:"GDM approved immigration lawyer",ctaLabel:"Talk to our visa partner",url:"https://hoplymove.com/en/digital-nomad-visa/TOMGUIRI"},{id:"gestor",title:"The gestor (NIE, empadronamiento, admin)",what:"A uniquely Spanish creature: half accountant, half paperwork whisperer. They get you your NIE/TIE, your padrón, your social security number and keep your filings legal.",why:"Spanish bureaucracy is not designed to be self-served in English. A good gestor costs â¬50â90/month and saves you entire weekends of cita previa roulette.",partner:"GDM approved gestorÃas",ctaLabel:"See approved gestorÃas",url:"/services-gestoria"},{id:"beckham",title:"Beckham Law application",what:"Spain's special expat tax regime: a flat 24% on Spanish employment income up to â¬600k for six years, instead of the normal progressive rates.",why:"There's a hard six-month deadline from registering with social security, and once it passes it's gone forever. It's a standard filing. It just has to be done on time and done right.",partner:"Beckham Law partner",ctaLabel:"Apply through our partner"},{id:"health",title:"Health insurance",what:"Private cover from ~â¬40â70/month, or public healthcare once you're paying into the system. Most visas legally require a private policy with zero co-payment.",why:"It's a visa requirement, not a nice-to-have. And it's the difference between an English-speaking doctor next week and a four-month public waiting list.",partner:"Insurance partner"},{id:"spanish",title:"Spanish lessons",what:"Group classes, one-to-one tutors, or intensive schools. Most people plateau at ordering coffee and never get past it.",why:"Your social life in Spain has a hard ceiling until you can hold a conversation at a loud dinner table. This is the single highest-leverage thing you'll do.",partner:"Language school partner"},{id:"moving",title:"Moving your belongings",what:"International removals, shipping containers, or the honest realisation that you should sell most of it and arrive with two suitcases.",why:"Quotes vary wildly, customs paperwork is fiddly outside the EU, and Spanish buildings famously do not have lifts. Get a real quote before you commit.",partner:"Removals partner"},{id:"money",title:"Moving your money",what:"Getting your savings and salary into euros without your high-street bank quietly skimming 3% every time.",why:"On a â¬40k transfer, the difference between a bank and a proper FX service is often â¬1,000+. It's the easiest money you'll ever save.",partner:"FX partner"},{id:"deposit",title:"Deposit Recovery Spain",what:"Get your deposit back, in English. We draft a legally recognised demand (a burofax) in correct Spanish, have it reviewed by a Spanish abogado, send it formally to your landlord on your behalf, and tell you exactly what happens next.",why:"Your landlord has one month from the day you hand back the keys. After that the law is on your side, it just has to be said properly, in the right language, through the right channel. Certified proof via Correos, works anywhere in Spain. â¬129 flat, no payment until your case is reviewed.",partner:"Deposit disputes, Spain",ctaLabel:"Recover my deposit",url:"https://depositrecoveryspain.com/"}],a=[{id:"housing",title:"Finding a flat",what:"The Madrid and Barcelona rental markets move in hours, not days. Landlords want a Spanish payslip, a guarantor, and often several months up front.",why:"This is the single most painful part of moving here, and doing it from abroad with no local references is close to impossible. Viewings, negotiation, contract review and deposit protection all need someone on the ground."},{id:"tax",title:"Tax - including US citizens",what:"A gestor keeps you compliant. A tax advisor keeps you from overpaying. US citizens keep filing with the IRS forever, wherever they live.",why:"Getting residency status, treaty relief and double taxation right is worth tens of thousands. And the mistakes usually surface years later, with interest."},{id:"property",title:"Buying property",what:"Purchase tax of 6â10%, notary and registry fees, a lawyer to check the nota simple, and a market where the listed price is a conversation starter.",why:"You're wiring six figures into a legal system in a language you're still learning. You want someone independent, not the seller's agent, actually representing you."},{id:"mortgage",title:"Mortgages",what:"Non-resident buyers usually get 60â70% loan-to-value; residents can reach 80%. Every bank prices you differently and none of them advertise their real offer.",why:"A broker who runs your file past a dozen banks will beat whatever your local branch quotes you, and knows which lenders actually approve foreign income."}];export{e as C,t as E,a as S};
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.