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1<title>Tools for buying, letting and selling property in Spain</title><meta name="description" content="Free calculators for Spanish property: purchase costs and ITP, after-tax rental yield, mortgage comparison, tourist-let rules, and net proceeds on a sale."/><meta name="application-name" content="Yald"/><meta name="robots" content="index, follow"/><link rel="canonical" href="https://www.yald.es/en/tools"/><link rel="alternate" hrefLang="es" href="https://www.yald.es/es/tools"/><link rel="alternate" hrefLang="en" href="https://www.yald.es/en/tools"/><link rel="alternate" hrefLang="fr" href="https://www.yald.es/fr/tools"/><link rel="alternate" hrefLang="x-default" href="https://www.yald.es/es/tools"/><meta property="og:title" content="Tools for buying, letting and selling property in Spain"/><meta property="og:description" content="Free calculators for Spanish property: purchase costs and ITP, after-tax rental yield, mortgage comparison, tourist-let rules, and net proceeds on a sale."/><meta property="og:url" content="https://www.yald.es/en/tools"/><meta property="og:image" content="https://www.yald.es/en/opengraph-image"/><meta property="og:image:width" content="1200"/><meta property="og:image:height" content="630"/><meta property="og:image:alt" content="Yald"/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Tools for buying, letting and selling property in Spain"/><meta name="twitter:description" content="Free calculators for Spanish property: purchase costs and ITP, after-tax rental yield, mortgage comparison, tourist-let rules, and net proceeds on a sale."/><meta name="twitter:image" content="https://www.yald.es/en/opengraph-image"/><meta name="twitter:image:width" content="1200"/><meta name="twitter:image:height" content="630"/><meta name="twitter:image:alt" content="Yald"/><link rel="icon" href="/icon.svg?ed21c8b305dd9e4d" type="image/svg+xml" sizes="any"/><meta name="next-size-adjust"/>
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1</head><body><header class="site-nav sticky top-0 z-50 border-b border-border bg-surface/85 backdrop-blur"><div class="wrap flex h-[68px] items-center gap-5"><a aria-label="Yald home page" class="shrink-0" href="/en"><span class="inline-flex items-center gap-2.5"><svg width="30" height="30" viewBox="0 0 48 48" fill="none" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"><rect x="8" y="13" width="32" height="6" rx="3" fill="var(--brand)"></rect><rect x="8" y="22" width="22" height="6" rx="3" fill="var(--brand)"></rect><rect x="8" y="31" width="12" height="6" rx="3" fill="var(--brand)"></rect><circle cx="30" cy="34" r="4.5" fill="var(--accent)"></circle></svg><span class="font-display text-2xl font-extrabold tracking-[-0.04em]" style="color:var(--text)">yald</span></span></a><nav class="hidden items-center gap-4 text-[0.875rem] font-medium text-text-strong-muted lg:flex"><a class="whitespace-nowrap hover:text-brand font-semibold text-text" href="/en/tools">Tools</a><a class="whitespace-nowrap hover:text-brand " href="/en#how">How it works</a><a class="whitespace-nowrap hover:text-brand " href="/en#pricing">Pricing</a><a class="whitespace-nowrap hover:text-brand " href="/en/about">About</a><a class="whitespace-nowrap hover:text-brand " href="/en#faq">FAQ</a></nav><div class="ml-auto flex items-center gap-3 text-[0.875rem] font-medium text-text-strong-muted sm:gap-4"><a class="hidden whitespace-nowrap hover:text-brand xl:inline" href="/en/extension">Extension</a><a class="hidden whitespace-nowrap hover:text-brand xl:inline" href="/en/login">Sign in</a><div class="relative"><button type="button" aria-haspopup="menu" aria-expanded="false" aria-label="Language" class="inline-flex items-center gap-1.5 rounded-pill border border-border bg-surface px-2.5 py-1.5 text-[0.78rem] font-semibold text-text-muted transition-colors hover:text-brand"><svg viewBox="0 0 24 24" width="14" height="14" fill="none" stroke="currentColor" stroke-width="1.9" aria-hidden="true"><circle cx="12" cy="12" r="9"></circle><path d="M3.4 9.5h17.2M3.4 14.5h17.2M12 3c-2.6 2.8-2.6 15.2 0 18M12 3c2.6 2.8 2.6 15.2 0 18"></path></svg><span class="font-data uppercase">en</span><span class="sr-only">English</span><svg viewBox="0 0 24 24" width="12" height="12" fill="none" stroke="currentColor" stroke-width="2.4" aria-hidden="true" class="transition-transform "><path d="M6 9l6 6 6-6" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><a class="inline-flex items-center gap-2 whitespace-nowrap rounded-pill bg-brand px-4 py-2.5 text-[0.875rem] font-semibold text-brand-ink shadow-sm transition-colors hover:bg-brand-strong hidden sm:inline-flex" href="/en/login?mode=signup">Create free account</a><button type="button" aria-label="Menu" aria-expanded="false" aria-controls="site-menu" class="-mr-1 inline-flex h-9 w-9 shrink-0 items-center justify-center rounded-lg border border-border text-text-muted transition-colors hover:text-brand xl:hidden"><svg viewBox="0 0 24 24" width="18" height="18" fill="none" stroke="currentColor" stroke-width="2.2" stroke-linecap="round" aria-hidden="true"><path d="M4 7h16M4 12h16M4 17h16"></path></svg></button></div></div></header><main><section class="wrap max-w-[1080px] py-12"><h1 class="mb-2 font-display text-[2rem] font-bold tracking-[-0.02em] text-text">All Yald tools, in one place</h1><p class="mb-10 max-w-[680px] text-[1rem] text-text-muted">Whatever stage you are at - looking, financing, letting or selling - there is a tool for it. New to this? Start with &quot;Analyse a listing&quot;.</p><div class="grid gap-10"><div><h2 class="mb-1 font-display text-[1.15rem] font-bold text-text">Before you buy</h2><p class="mb-4 text-[0.9rem] text-text-muted">Work out the real cost and the smart region before you commit.</p><div class="grid gap-4 sm:grid-cols-2"><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/report"><span class="text-[1.6rem] leading-none" aria-hidden="true">📊</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">Analyse a listing</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">The real after-tax yield, cash flow and purchase costs of any Spanish property - for your exact tax status.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">Start here</p></div></a>
1<a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/find"><span class="text-[1.6rem] leading-none" aria-hidden="true">🎯</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">Your criteria</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">Write down what you are looking for once, and every listing you analyse comes back judged against it - with the rule it breaks named. Plus where a budget that size actually reaches, and the purchase tax there.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">Before the first viewing</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/where"><span class="text-[1.6rem] leading-none" aria-hidden="true">🗺️</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">Where to buy</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">The same budget compared across all 17 regions - purchase tax and the reliefs you unlock change by thousands.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">Still choosing a region</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/price-map"><span class="text-[1.6rem] leading-none" aria-hidden="true">📍</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">Price and yield map</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">Buy and rent asking prices per m² for every Spanish town, and the gross yield they imply. Region, province, town and barrio.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">Free, no account</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage/alicante"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧮</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">How much can I borrow in Alicante?</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">What banks typically lend on your salary and savings, how many m² it buys in Alicante, and the taxes of the Valencian Community on top.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are buying a home to live in</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage/barcelona"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧮</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">How much can I borrow in Barcelona?</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">What banks typically lend on your salary and savings, how many m² it buys in Barcelona, and the taxes of Catalonia on top.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are buying a home to live in</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage/bilbao"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧮</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">How much can I borrow in Bilbao?</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">What banks typically lend on your salary and savings, how many m² it buys in Bilbao, and the taxes of the Basque Country on top.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are buying a home to live in</p></div></a>
1<a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage/madrid"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧮</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">How much can I borrow in Madrid?</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">What banks typically lend on your salary and savings, whether income or savings limits you, and the taxes of the Community of Madrid on top.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are buying a home to live in</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage/malaga"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧮</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">How much can I borrow in Málaga?</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">What banks typically lend on your salary and savings, how many m² it buys in Málaga, and the taxes of Andalusia on top.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are buying a home to live in</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage/murcia"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧮</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">How much can I borrow in Murcia?</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">What banks typically lend on your salary and savings, how many m² it buys in Murcia, and the taxes of the Region of Murcia on top.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are buying a home to live in</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage/sevilla"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧮</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">How much can I borrow in Seville?</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">What banks typically lend on your salary and savings, how many m² it buys in Seville, and the taxes of Andalusia on top.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are buying a home to live in</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage/valencia"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧮</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">How much can I borrow in Valencia?</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">What banks typically lend on your salary and savings, how many m² it buys in Valencia, and the taxes of the Valencian Community on top.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are buying a home to live in</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage/zaragoza"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧮</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">How much can I borrow in Zaragoza?</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">What banks typically lend on your salary and savings, how many m² it buys in Zaragoza, and the taxes of Aragon on top.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are buying a home to live in</p></div></a>
1<a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/mortgage"><span class="text-[1.6rem] leading-none" aria-hidden="true">🏦</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">Compare a mortgage</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">Fixed vs variable vs mixed, a Euribor stress test, and the ICO aval joven for under-35 first-home buyers.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">If you are financing</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/extension"><span class="text-[1.6rem] leading-none" aria-hidden="true">🧩</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">Browser extension</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">See a listing’s real numbers on Idealista, Fotocasa and more, in one click, without leaving the page.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">While you browse portals</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/in-force"><span class="text-[1.6rem] leading-none" aria-hidden="true">⚖️</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">What is in force today</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">A dated register of Spanish rental rules: what applies now, what is only proposed, and what quietly lapsed.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">Check it before you sign anything, or when a headline tells you the rules changed.</p></div></a></div></div><div><h2 class="mb-1 font-display text-[1.15rem] font-bold text-text">If you will let it</h2><p class="mb-4 text-[0.9rem] text-text-muted">See what a rental actually earns after costs and tax.</p><div class="grid gap-4 sm:grid-cols-2"><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/tourist-rental"><span class="text-[1.6rem] leading-none" aria-hidden="true">🏖️</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">Tourist rental</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">Model a short-stay let - nightly rate, occupancy, fees - and the tax, plus your city’s licence rules.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">Thinking Airbnb-style</p></div></a></div></div><div><h2 class="mb-1 font-display text-[1.15rem] font-bold text-text">Sell &amp; manage</h2><p class="mb-4 text-[0.9rem] text-text-muted">For when you already own, or are ready to sell.</p><div class="grid gap-4 sm:grid-cols-2"><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/sell"><span class="text-[1.6rem] leading-none" aria-hidden="true">💰</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">What you keep when you sell</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">Net proceeds after capital-gains tax, plusvalía and the 3% non-resident retention - a floor you can only beat.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">Selling a property</p></div></a><a class="group flex gap-4 rounded-lg border border-border bg-surface p-5 transition-colors hover:border-brand" href="/en/manage"><span class="text-[1.6rem] leading-none" aria-hidden="true">📁</span><div class="min-w-0"><h3 class="font-display text-[1.05rem] font-bold text-text group-hover:text-brand">Manage your properties</h3><p class="mt-1 text-[0.9rem] leading-snug text-text-muted">Track tenancies, rent and expenses, and see your Modelo 210 / 100 tax-pack and filing deadlines.</p><p class="mt-2 inline-block rounded-full bg-brand-tint px-2.5 py-1 text-[0.72rem] font-medium text-brand">Already a landlord</p></div></a></div></div></div><p class="mt-10 rounded-lg border border-border bg-surface-soft p-4 text-[0.85rem] leading-snug text-text-muted">Every tool gives orientation, not advice - each figure is an estimate, versioned and dated, and points you to a gestor or asesor fiscal. Yald never files or arranges anything.</p></section></main><footer class="site-footer bg-[var(--blue-900)] py-14 text-[#a9c4d4]"><div class="wrap"><div class="grid grid-cols-[1.4fr_1fr_1fr_1fr] gap-8 max-[940px]:grid-cols-2 max-[560px]:grid-cols-1"><div><span class="inline-flex items-center gap-2.5"><svg width="30" height="30" viewBox="0 0 48 48" fill="none" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"><rect x="8" y="13" width="32" height="6" rx="3" fill="#ffffff"></rect><rect x="8" y="22" width="22" height="6" rx="3" fill="#ffffff"></rect><rect x="8" y="31" width="12" height="6" rx="3" fill="#ffffff"></rect><circle cx="30" cy="34" r="4.5" fill="var(--accent)"></circle></svg><span class="font-display text-2xl font-extrabold tracking-[-0.04em]" style="color:#fff">yald</span></span>
1<p class="mt-3.5 max-w-[34ch] text-[0.84rem] leading-relaxed text-[#7f9bad]">The real yield on any Spanish listing - before you buy. Español · English · Français.</p></div><div><h5 class="mb-3.5 text-[0.72rem] font-bold uppercase tracking-[0.1em] text-[#6f8b9d]">Tools</h5><a class="block py-[5px] text-[0.88rem] font-semibold hover:text-white" href="/en/tools">All tools</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/report">Analyse a listing</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/where">Where to buy</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/mortgage">Mortgage</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/tourist-rental">Tourist let</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/sell">Sell</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/tax">Tax guides</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/in-force">In force today</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/invest">Towns</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/blog">The journal</a></div><div><h5 class="mb-3.5 text-[0.72rem] font-bold uppercase tracking-[0.1em] text-[#6f8b9d]">Product</h5><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/features">Features</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/extension">Browser extension</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/manage">Manage</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/account">Account</a></div><div><h5 class="mb-3.5 text-[0.72rem] font-bold uppercase tracking-[0.1em] text-[#6f8b9d]">Company</h5><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/about">About</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/legal/privacy">Privacy</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/legal/terms">Terms</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/legal/cookies">Cookies</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/legal/aviso-legal">Aviso legal</a><a class="block py-[5px] text-[0.88rem] hover:text-white" href="/en/legal/disclaimer">Disclaimer</a><button type="button" class="block py-[5px] text-left text-[0.88rem] hover:text-white">Cookie settings</button></div></div><div class="mt-10 flex flex-wrap justify-between gap-4 border-t border-white/10 pt-5 text-[0.76rem] text-[#6f8b9d]"><span>© 2026 Yald · yald.es</span><span class="max-w-[70ch] leading-relaxed">Yald provides informational estimates and signposting only - not regulated tax, legal or financial advice. Tax figures are simplified, versioned and dated; confirm with a qualified professional before any commitment.</span></div></div></footer><!--$--><!--/$-->
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1saved\",\"analysisSaveFailed\":\"Could not save. Please try again.\",\"sizeM2\":\"Size (m²)\",\"dontKnowPrice\":\"Don't know the price?\",\"estimateForMe\":\"Estimate it for me\",\"estimating\":\"Estimating…\",\"signInToEstimate\":\"Sign in for {limit} free estimates a day\",\"sizeNeededForEstimate\":\"Enter the size (m²) to estimate.\",\"estimatedInline\":\"Estimated: rent {rentLow} - {rentHigh}/mo · price {priceLow} - {priceHigh}\",\"estimatedInlineEdit\":\"Edit any value.\",\"dontKnowPriceRent\":\"Don't know the price or rent?\",\"estimatePrice\":\"Estimate the price\",\"estimatePriceRent\":\"Estimate price \u0026 rent\",\"estimatedPriceInline\":\"Estimated price {low} - {high}\",\"estimatedRentInline\":\"Estimated rent {low} - {high}/mo\",\"useEstimate\":\"Use\",\"estimateImproveHint\":\"Add detail below to narrow the range.\",\"estimateDetailHint\":\"More detail = sharper estimate\",\"statusResident\":\"Spain (IRPF)\",\"estimateRent\":\"Estimate the rent\",\"dontKnowRent\":\"Don't know the rent?\",\"editAssumptions\":\"Edit assumptions\",\"done\":\"Done\",\"loan\":\"Loan\",\"cancel\":\"Cancel\",\"deductionsTitle\":\"Letting deductions\",\"deductionsWhy\":\"Residents and EU/EEA landlords deduct more than running costs - building amortisation, furniture and mortgage interest.\",\"deductionsTip\":\"The 3% building amortisation needs your Catastro construction split (valor catastral construcción / total, on your IBI receipt). 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Type the cash you can put in and the loan follows.\"},\"apiError\":{\"invalid_json\":\"The request could not be read. Please reload the page and try again.\",\"validation_failed\":\"Some of the figures are not valid. Check the fields and try again.\",\"engine_error\":\"We could not calculate this with these figures. Check them and try again.\",\"sign_in_required\":\"Sign in to use this.\",\"daily_limit\":\"You have used today's automatic estimates. Try again tomorrow.\",\"too_many\":\"Too many requests. Wait a moment and try again.\",\"server\":\"Something went wrong on our side. Please try again in a moment.\",\"network\":\"We could not reach the server. Check your connection and try again.\",\"generic\":\"Something went wrong. Please try again.\"},\"appnav\":{\"analyse\":\"Analyse a listing\",\"sectionsLabel\":\"App sections\",\"publicSite\":\"Yald home\",\"collapse\":\"Collapse the menu\",\"expand\":\"Expand the menu\",\"openMenu\":\"Open the menu\",\"closeMenu\":\"Close the menu\",\"group_invest\":\"Invest\",\"group_own\":\"Own\",\"group_exit\":\"Exit\",\"group_pipeline\":\"Pipeline\",\"group_research\":\"Research\",\"group_workspace\":\"Workspace\",\"item_overview\":\"Overview\",\"item_analyses\":\"Analyses\",\"item_compare\":\"Compare\",\"item_where\":\"Where to buy\",\"item_mortgage\":\"Mortgage\",\"item_properties\":\"Properties\",\"item_rent\":\"Rent \u0026 expenses\",\"item_taxPacks\":\"Tax packs\",\"item_deadlines\":\"Deadlines\",\"item_sell\":\"Sell calculator\",\"item_tourist\":\"Tourist let\",\"item_assigned\":\"Assigned to me\",\"
1item_dealsByLabel\":\"Deals by label\",\"item_members\":\"Members\",\"item_billing\":\"Billing \u0026 seats\",\"crumb_newProperty\":\"Add a property\",\"crumb_analysis\":\"Analysis\",\"crumb_account\":\"Account\",\"trialDays\":\"Trial · {days} days left\",\"extensionOn\":\"Extension connected\",\"extensionOff\":\"Install the extension\",\"seatsUsed\":\"{used} of {total} seats\",\"planFree\":\"Free\",\"planPro\":\"Pro\",\"planTeam\":\"Team\",\"searchPlaceholder\":\"Search deals, properties, towns\",\"searchEmpty\":\"Nothing matches that.\",\"kind_analysis\":\"Analysis\",\"kind_property\":\"Property\",\"kind_page\":\"Page\",\"hintMove\":\"move\",\"hintOpen\":\"open\",\"hintClose\":\"close\",\"hintJump\":\"jump to analyses\",\"untitled\":\"Untitled\",\"toolsLeaveShell\":\"These open on the public site in a new tab, so you keep your place here.\",\"opensNewTab\":\"opens in a new tab\",\"item_taxPosition\":\"Tax position\",\"item_purchases\":\"Purchases\",\"item_readyToBuy\":\"Ready to buy\",\"group_buy\":\"Buy\",\"item_clientsConnect\":\"Clients\",\"group_connect\":\"Connect\",\"workspacePersonal\":\"Your own property\",\"workspaceYouLabel\":\"Workspace\",\"workspaceTeamLabel\":\"Workspace\",\"workspaceSwitch\":\"Switch workspace\",\"workspaceCreate\":\"Work with clients\",\"group_sourcing\":\"Sourcing\",\"item_sourcingDesk\":\"Sourcing desk\",\"item_find\":\"Your criteria\",\"cueProperties\":\"{count, plural, one {1 property} other {# properties}}\",\"cueFiling\":\"filing in {days} d\",\"cueClients\":\"{count, plural, one {1 client} other {# clients}}\",\"cueNoBrief\":\"{count} without a brief\",\"cueOwnOverdue\":\"{count, plural, one {1 rent payment overdue on your own property} other {# rent payments overdue on your own property}}\",\"cueOwnFiling\":\"Your own filing is due in {days} days\",\"group_find\":\"Find\",\"group_clients\":\"Clients\",\"group_deals\":\"Deals\",\"group_firm\":\"Firm\",\"planTier\":\"Plan · {tier}\",\"tier_STUDIO\":\"Studio\",\"tier_PRACTICE\":\"Practice\",\"tier_FIRM\":\"Firm\",\"tier_UNLIMITED\":\"Unlimited\",\"workspaceOpen\":\"Open {name}\",\"item_permissions\":\"Roles \u0026 permissions\",\"tour\":\"How it works\"},\"auth\":{\"login\":\"Sign in\",\"signInTitle\":\"Sign in\",\"signUpTitle\":\"Create your account\",\"loginIntro\":\"Sign in or create an account to save and compare your analyses.\",\"email\":\"Email\",\"password\":\"Password\",\"passwordHint\":\"At least 8 characters\",\"signIn\":\"Sign in\",\"signUp\":\"Create account\",\"sendLink\":\"Send sign-in link\",\"magicLinkCta\":\"Email me a magic link instead\",\"usePassword\":\"Use email + password\",\"googleCta\":\"Continue with Google\",\"or\":\"or\",\"toSignUp\":\"Need an account? Create one\",\"toSignIn\":\"Already have an account? Sign in\",\"checkEmail\":\"Check your email for a sign-in link.\",\"confirmEmail\":\"Check your email to confirm your account, then sign in.\",\"signout\":\"Sign out\",\"notConfigured\":\"Sign-in is not available in this environment.\",\"suspended\":\"This account is suspended. If you think this is a mistake, write to [email protected].\",\"consentRequiredError\":\"Please accept the Terms and the Privacy Policy to continue.\"},\"blog\":{\"title\":\"The journal\",\"intro\":\"The parts of a Spanish purchase that catch people out, written once and kept current. Every figure that can go stale lives on a dated reference page instead of in a post.\",\"readMore\":\"Read\",\"published\":\"Published {date}\",\"updated\":\"Updated {date}\",\"readNext\":\"Read next\",\"backToBlog\":\"The journal\",\"empty\":\"Nothing published yet.\",\"loadMore\":\"Load more\",\"faqHeading\":\"Common questions\"},\"book\":{\"yearTitle\":\"What {year} actually deducts\",\"yearAside\":\"orientation, not a filing\",\"yearEmpty\":\"Nothing has been recorded for {year} yet. Add the rent and the costs and this fills in.\",\"grossRent\":\"Gross rent accrued\",\"cappedGroup\":\"Interest + repairs · capped at the year's rent\",\"cappedRef\":\"art. 23.1.a.1º\",\"cappedIncurred\":\"Incurred this year\",\"claimedFromPrior\":\"Claimed from earlier years\",\"cappedDeducted\":\"Deducted this year\",\"cappedDeductedCapped\":\"Deducted this year - capped\",\"deferred\":\"Carried forward - deductible to {until}\",\"outsideCap\":\"Outside the cap\",\"uncapped\":\"Community, IBI, insurance, management and the rest\",\"badDebt\":\"Unpaid rent written off\",\"badDebtHint\":\"Six months have passed since it fell due\",\"amortisation\":\"Building amortisation, 3%\",\"amortisationBasis\":\"On a construction basis of {base}\",\"amortisationMissing\":\"Not computed - add your catastral construction split and this appears\",\"taxableResult\":\"Taxable result\",\"lossNote\":\"A loss. What happens to it depends on your tax status; your gestor will know.\",\"rateStamp\":\"Rates {version}, effective {date}. Orientation, not advice - Yald never files anything.\",\"boundary\":\"These figures are arithmetic on the rows you entered. They are not a return, and nothing here is submitted anyw
1here.\",\"basisTitle\":\"What the flat cost, and what it is made of\",\"basisAside\":\"nothing below computes without this\",\"basisLead\":\"Amortisation is usually the largest deduction a let property has, and it cannot be estimated: the law computes it from the construction share of your catastral value, and there is no default to fall back on. Two figures unlock it.\",\"basisAcquisitionCost\":\"What you paid, all in (€)\",\"basisAcquisitionCostHint\":\"The price on the escritura plus ITP or IVA, notary, registry and gestoría. Not the mortgage.\",\"basisAcquisitionDate\":\"Date you bought it\",\"basisValorCatastral\":\"Valor catastral (€)\",\"basisValorCatastralHint\":\"On your IBI receipt, or at the Sede Electrónica del Catastro.\",\"basisConstructionPct\":\"Construction share of it (%)\",\"basisConstructionPctHint\":\"The same receipt splits the value into land and construction. Only the construction half amortises - typically 30-60%, lower near the coast.\",\"basisFurniture\":\"Furniture, if you let it furnished (€)\",\"basisFurnitureHint\":\"Amortises at 10% a year, and is outside the interest and repairs cap.\",\"basisForSale\":\"I am selling, or thinking about it\",\"basisForSaleHint\":\"Puts the lifetime ledger at the top of this page, which is the figure that changes what you should ask for it.\",\"basisSave\":\"Save\",\"carryTitle\":\"Excess still to claim\",\"carryLead\":\"Interest and repairs above a year's rent are not lost. They have four years to be used.\",\"carryRow\":\"From {origin} · until {expires}\",\"carryRowExpiring\":\"From {origin} · this is its last year\",\"carryExpiringNote\":\"{amount} falls out of reach after this year's filing. Rent it, or claim it against a year that has room.\",\"unclassifiedTitle\":\"{n} works costs need an answer\",\"unclassifiedLead\":\"A repair comes off this year's rent. 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Save it twice, split across the two, and each half is treated correctly.\",\"markRepair\":\"It was a repair\",\"markImprovement\":\"It was an improvement\",\"unnamedCost\":\"Untitled cost\",\"forkLegend\":\"Repair, or improvement?\",\"forkLead\":\"This is the split Hacienda checks most often, and it is the one thing here Yald will not decide for you.\",\"forkRepair\":\"Repair and conservation\",\"forkRepairHint\":\"Putting it back as it was: paint, plumbing, wiring, a replaced boiler.\",\"forkImprovement\":\"Improvement\",\"forkImprovementHint\":\"Something that was not there before: aerotermia, an extension, new domotics.\",\"forkSplitNote\":\"One invoice can be both - save it twice, split across the two.\",\"chipRepair\":\"Repair\",\"chipImprovement\":\"Improvement\",\"chipUnanswered\":\"Repair or improvement?\",\"chipEvidence\":\"No paper\",\"chipEvidenceTitle\":\"Missing the invoice, the proof of payment, or both\",\"evidenceTitle\":\"{n} costs are missing their paper\",\"evidenceLead\":\"Hacienda asks for the invoice and the proof you paid it, and expects you to still have both five years later.\",\"missingInvoice\":\"no invoice\",\"missingProof\":\"no proof of payment\",\"missingBoth\":\"neither\",\"evidenceMore\":\"and {n} more\",\"evidenceBothNote\":\"{n} of them have neither. Those are the ones a requerimiento would disallow outright.\",\"evidenceCta\":\"Upload to this property's documents\",\"arrearsTitle\":\"Rent you may be able to write off\",\"arrearsLead\":\"{n} unpaid months, {amount} in total, have been overdue more than six months.\",\"arrearsNote\":\"Six months from the due date makes unpaid rent a saldo de dudoso cobro, deductible in the year it turns. If the tenant later pays, it goes back in as income that year. Confirm the timing with your gestor.\",\"lifetimeTitle\":\"What this is doing to your sale\",\"lifetimeLead\":\"Amortisation comes off the purchase price when you sell - whether or not you ever claimed it.\",\"lifetimeClaimed\":\"claimed so far\",\"lifetimeBase\":\"Your capital-gains base is {adjusted}, not the {gross} the flat cost you.\",\"lifetimeFloor\":\"Some years could not be computed, so this is a floor, not the figure.\",\"lifetimeCta\":\"See the lifetime ledger\",\"lifetimePageTitle\":\"What letting is doing to your sale\",\"lifetimePageLead\":\"Amortisation is not a discount you take or leave. When you sell, the law removes it from what the flat cost you - the minimum, whether or not you ever claimed a cent. A landlord who never deducted it pays the same capital-gains tax as one who did, and simply gave away the deductions.\",\"lifetimeBarTitle\":\"Your acquisition value today\",\"lifetimeBought\":\"bought {date}\",\"lifetimeCounts\":\"Counts as what you paid\",\"lifetimeGone\":\"Amortised away\",\"lifetimeBarPaid\":\"{gross} paid, including taxes, fees and any improvements since\",\"lifetimeBarShare\":\"{pct}% of the base, gone\",\"lifetimeNoBasis\":\"Add what you paid for the flat and this fills in.\",\"lifetimeFloorLong\":\"At least one let year had no construction split on file, so nothing was computed for it. The law will still impute the minimum for those years at sale - the total above is a floor, and the real reduction to your acquisition value is larger.\",\"lifetimeYearsTitle\":\"Year by year\",\"lifetimeNoYears\":\"No let years recorded yet.\",\"colYear\":\"Year\",\"colBasis\":\"Basis\",\"colClaimed\":\"Claimed\",\"colRunning\":\"Running total\",\"rowBasis\":\"3% of {base}, prorated by the days let\",\"rowNoSplit\":\"No construction split on file for this year\",\"lifetimeWhyTitle\":\"Why nowhere else shows you this\",\"lifetimeWhy1\":\"Bookkeeping tools record what left your bank. Amortisation never leaves your bank, so it is not in them - and the year it matters most is the year you sell, long after most people have stopped keeping the spreadsheet.\",\"lifetimeWhy2\"
1:\"Yald already runs the exit maths on a listing you have not bought. Running it on one you own is the same engine, with your own years behind it.\",\"backToBook\":\"Back to the book\",\"costsTitle\":\"The costs themselves\",\"deadlineTitle\":\"Your next filing\",\"deadlineIn\":\"Due in {days} days.\",\"deadlineNone\":\"Nothing is due yet.\",\"deadlineCta\":\"See all deadlines\",\"writeOff\":\"Write it off\",\"yearTitleNotLet\":\"{year}: nobody rented it\",\"notLetLead\":\"With no rental income there is nothing to deduct these costs from, so none of them come off this year. What applies instead is renta imputada: Spain taxes a notional income on a property that sits empty.\",\"imputedBase\":\"Taxed on\",\"imputedBaseCatastral\":\"Your valor catastral, which is the legal base\",\"imputedBaseProxy\":\"A stand-in, because no valor catastral is on file. It overstates the real base several times over, so add the real one.\",\"imputedAt\":\"Imputed income at {pct}%\",\"imputedTax\":\"Tax at {pct}%\",\"imputedNotComputed\":\"Add your valor catastral and your tax residency to see what the empty months are taxed at. Estimating this from the purchase price would overstate it several times over, so we do not.\",\"costsNotDeducted\":\"Costs this year, not deducted\",\"costsNotDeductedHint\":\"Recorded so the year is complete. They still count toward the basis if any were improvements.\",\"vacancyTitle\":\"The {days} days it stood empty\",\"yearPickerLabel\":\"Year\",\"yearFilingHint\":\"{year} is the year your next filing covers\",\"yearFilingTitle\":\"The year your next filing covers\",\"evidenceNoDocs\":\"Nothing has been uploaded to this property yet, so there is nothing to attach.\",\"evidenceInvoice\":\"Invoice\",\"evidenceProof\":\"Proof of payment\",\"evidenceNone\":\"Not attached\",\"evidenceAttach\":\"Attach\",\"basisCadastralRevised\":\"My municipality's cadastral values have been revised\",\"basisCadastralRevisedHint\":\"It halves the imputed rate on empty months, 1.1% instead of 2%. Leave it unticked if you do not know: 2% is the statutory rule, so this box only ever lowers the figure.\",\"basisLoanLegend\":\"The mortgage\",\"basisLoanHint\":\"All four, or none. With them the book works out each year's deductible interest as the loan amortises, instead of asking you to.\",\"basisLoanPrincipal\":\"Borrowed (€)\",\"basisLoanRate\":\"Rate (%)\",\"basisLoanTerm\":\"Term (years)\",\"basisLoanStart\":\"First year\",\"annexPageTitle\":\"Modelo 210 deductible-expense annex\",\"annexPageLead\":\"From 1 January 2027 a Modelo 210 for a let property must itemise its deductible costs into seventeen numbered boxes. Nothing new became deductible; Hacienda now wants to see the working. Here is your year, box by box.\",\"annexNotFiling\":\"This is a worksheet, not a filing. Yald never files or submits anything. Copy these figures into the form yourself, or hand this page to your gestor. Box names are printed in Spanish because that is what is printed on the form you are copying into.\",\"annexNotLet\":\"Nothing was let in {year}, so this annex does not apply. An empty year is taxed as imputed income instead, which has no expense annex.\",\"annexBlockedTitle\":\"Not ready to copy across yet\",\"annexBlockedWorks\":\"{count, plural, one {# works invoice has} other {# works invoices have}} not been marked as a repair or an improvement. A repair is deductible this year; an improvement is not deductible at all and raises what you paid for the flat. Until you say which, boxes 3 and 15 are both wrong.\",\"annexBlockedBase\":\"No construction share is recorded for this property, so the amortisation boxes (14 and 15) cannot be worked out. We will not guess it.\",\"annexLimitNote\":\"Joint limit on boxes 2 and 4, set by the form: they cannot together exceed the year's gross rental income, which was\",\"annexOffFormTitle\":\"Not on the form\",\"annexDeferred\":\"Interest and repairs above this year's rent, which do not go on this form. They become box 1 of a later year and stay claimable for four:\",\"annexLapsed\":\"Ran out of its four years and can no longer be claimed. This is why box 1 is smaller than what was left over:\",\"annexStamp\":\"Boxes and labels: {source}. Figures from your own records at rates {version}, {date}. Orientation, not tax advice.\",\"annex_src_carryForward\":\"Interest and repairs left over from the last four years, as this year opened\",\"annex_src_carryForwardApplied\":\"How much of that leftover this year's rent had room for\",\"annex_src_interestRepairs\":\"This year's mortgage interest and repair invoices\",\"annex_src_interestRepairsApplied\":\"How much of it this year's rent had room for\",\"annex_src_category\":\"Totalled from the costs you recorded in this category\",\"annex_src_badDebt\":\"Unpaid rent you elected to write off, six months after it fell due\",\"annex_src_furniture\":\"Furniture and fittings, at the annual rate\",\"annex_src_building\":\"The construction share of what you paid or the cadastral value, whichever is higher, at the annual rate\",\"annex_src_improvement\":\"Improvements you have recorded, at the same rate as the building\",\"annex_src_total\":\"Everything applied this year: boxes 2 and 4, not 1 and 3\",\"annexCta\":\"Modelo 210 expense annex for {year}\"},\"borrowing\":{\"heading\":\"Your figures\",\"exampleBadge\":\"Example figures\",\"exampleResult\":\"Worked out for the example figures. Replace them with yours.\",\"income\":\"Household net income a month (€)\",\"incomeHint\":\"What reaches the bank account each month, all buyers together.\",\"savings\":\"Savings for the purchase (€)\",\"age\":\"Oldest buyer's age\",\"debts\":\"Other loan payments a month (€)\",\"residency\":\"Do you live in Spain?\",\"residentYes\":\"Yes, resident\",\"residentNo\":\"No, non-resident\",\"refine\":\"Refine: the home, the loan and the guarantees\",\"propertyType\":\"The home\",\"typeResale\":\"Second-hand\",\"typeNewBuild\":\"New build\",\"purpose\":\"Use\",\"purposeMain\":\"Main home\",\"purposeSecond\":\"Second home\",\"term\":\"Term (years)\",\"termHint\":\"Blank: the longest term banks typically allow.\",\"rateType\":\"Rate type\",\"rateFixed\":\"Fixed\",\"rateVariable\":\"Variable (Euribor + spread)\",\"rateOverride\":\"Your own rate (TIN, %)\",\"rateOverrideHint\":\"Blank: the typical rate shown with the result.\",\"largeFamily\":\"Large family (familia numerosa)\",\"guaranteeHeading\":\"Questions the public guarantees ask\",\"guaranteeHint\":\"Only the public guarantees ask these. A question left blank counts as not met.\",\"firstHome\":\"It will be our first home\",\"hasMinors\":\"Children under 18 in the household\",\"registeredInRegion\":\"Currently registered as living {regionIn} (empadronamiento)\",\"yearsInRegion\":\"Years living {regionIn}\",\"grossIncome\":\"Gross annual income (€)\",\"netWorth\":\"Net worth (€)\",\"caveatContract\":\"Banks also weigh your contract type, time in the job and credit history. None of that is asked here, and any of it can lower what they offer.\",\"resultsHeading\":\"What banks typically lend you\",\"resultLabel\":\"A home up to about\",\"lend\":\"Banks typically lend up to {loan} on these figures, {ltv} of the price.\",\"localSize\":\"Your budget buys about {m2} m² in {place} at about {m2price}/m² (area data {version}).\",\"binding_INCOME\":\"Your income is the limit: the payment reaches the {guideline} guideline before your savings run out.\",\"binding_SAVINGS\":\"Your savings are the limit: they run out on the deposit, taxes and fees before your income does.\",\"binding_NONE\":\"The guarantee's price limit of {cap} stops the price here.\",\"otherCeilingSavings\":\"Your savings alone would reach a home of about {price}.\",\"otherCeilingIncome\":\"Your income alone would support a home of about {price}.\",\"termLine\":\"Term: {years}, {reason}.\",\"termCap_CHOSEN\":\"the term you chose\",\"termCap_MAX_TERM\":\"the longest banks typically allow\",\"termCap_AGE\":\"cut so the loan ends by the age banks lend to\",\"rateLine\":\"Rate: {rate} TIN, {basis}.\",\"rateBasis_FIXED\":\"a typical fixed rate, the top of recent offers\",\"rateBasis_VARIABLE\":\"12-month Euribor plus a typical spread of {spread}\",\"rateBasis_USER\":\"the rate you entered\",\"paymentLine\":\"Payment: {payment}, {share} of your net income with your other loans. The guideline is {guideline}; some banks stretch to {stretch}.\",\"stressLine\":\"If the rate rose to {rate}, the payment would be {payment} ({share} of income).\",\"cashHeading\":\"Cash that must come from your savings\",\"cashDeposit\":\"Deposit\",\"cashItp\":\"ITP (transfer tax)\",\"cashIva\":\"IVA (VAT)\",\"cashIgic\":\"IGIC (Canary Islands tax)\",\"cashAjd\":\"AJD (stamp duty)\",\"cashFees\":\"Notary, registry and gestoría\",\"cashTotal\":\"Total from savings\",\"cashLeft\":\"Left over\",\"liftSavings\":\"Arithmetic on your figures: with {amount} more saved, your income would support a home of about {price}
1.\",\"liftIncome\":\"Arithmetic on your figures: with {amount} more net income, your savings would reach a home of about {price}.\",\"itpNote\":\"For a main home up to {maxPrice} you may pay {pct} less ITP - confirm with a gestor. It is not in these figures.\",\"youngReliefUnchecked\":\"A young-buyer ITP rate is applied. It is subject to income conditions we do not check - confirm with a gestor.\",\"guaranteeApplied\":\"Applied: {scheme}. With it banks can lend up to {ltv} of the price; loans must be signed by {date}.\",\"guaranteeAppliedOpen\":\"Applied: {scheme}. With it banks can lend up to {ltv} of the price.\",\"withoutGuarantee\":\"Without it: a home of about {price}.\",\"unverified\":\"Some of its limits come from a secondary source: likely - confirm with the bank.\",\"incomeCapUnchecked\":\"Its income limit for this region was not checked: confirm with the bank.\",\"consideredHeading\":\"Guarantees checked\",\"consideredAnnounced\":\"Announced on {date}; not in force until the bank agreements are signed, and not in these figures.\",\"consideredWouldQualify\":\"On your answers you would qualify once it is in force.\",\"consideredFailed\":\"Not met: {list}.\",\"consideredLive\":\"In force until {date}.\",\"consideredLiveOpen\":\"In force.\",\"consideredApplied\":\"Applied above.\",\"consideredEligibleNotBetter\":\"You meet the conditions asked about, but it does not raise the price here.\",\"cond_NOT_LIVE\":\"not in force on this date\",\"cond_NO_REGION_TERMS\":\"no published terms for this region\",\"cond_AGE\":\"age\",\"cond_FIRST_HOME\":\"first home\",\"cond_MAIN_RESIDENCE\":\"main home\",\"cond_RESIDENT\":\"living in Spain\",\"cond_REGION_YEARS\":\"years living in the region\",\"cond_REGISTERED\":\"registered as living in the region\",\"cond_GROSS_INCOME\":\"income limit\",\"cond_NET_WORTH\":\"net worth limit\",\"cond_PRICE_CAP\":\"price limit\",\"scheme_ICO_AVAL\":\"ICO first-home guarantee (aval ICO)\",\"scheme_MPV_MADRID\":\"Mi Primera Vivienda (Comunidad de Madrid)\",\"scheme_MPV_MADRID_2026\":\"Mi Primera Vivienda: announced extension\",\"scheme_IVF_VALENCIA\":\"IVF guarantee programme (Generalitat Valenciana)\",\"scheme_GVA_ANDALUCIA\":\"Garantía Vivienda Andalucía (Junta de Andalucía)\",\"scheme_GAZTEAVAL\":\"Gazteaval (Basque Government)\",\"scheme_AVAL_JOVEN_MURCIA\":\"Aval Joven (Region of Murcia)\",\"scheme_ICF_EMANCIPACIO\":\"ICF Habitatge Emancipació second loan (Generalitat de Catalunya)\",\"regionIn_AND\":\"in Andalusia\",\"regi
1onIn_ARA\":\"in Aragon\",\"regionIn_MAD\":\"in the Community of Madrid\",\"regionIn_VAL\":\"in the Valencian Community\",\"regionIn_CAT\":\"in Catalonia\",\"regionIn_PVA\":\"in the Basque Country\",\"regionIn_MUR\":\"in the Region of Murcia\",\"needAge\":\"Enter the oldest buyer's age: it sets how long the loan can run.\",\"status_OK\":\"On typical, dated lending terms.\",\"status_NO_INCOME\":\"Enter your net monthly income. Nothing is sized without it, and no typical salary stands in for yours.\",\"status_NO_REGION_DATA\":\"We do not hold dated lending terms for this region yet.\",\"status_AGE_LIMIT\":\"At this age, a loan ending by the age banks lend to would be shorter than the minimum term, so no loan is sized. Your savings alone reach a home of about {price}.\",\"status_DEBTS_EXCEED_GUIDELINE\":\"Your other loan payments already fill the {guideline} of income banks typically allow, so no mortgage is sized. Your savings alone reach a home of about {price}.\",\"status_SAVINGS_BELOW_COSTS\":\"Your savings do not yet cover the taxes and fees of a purchase, so there is no price to show.\",\"euriborLine\":\"12-month Euribor {pct}, {period} ({source})\",\"orientation\":\"Orientation, not an offer or advice: the bank decides, on its own assessment. Yald does not lend or arrange mortgages.\",\"ctaAnalyse\":\"Analyse a home at {price}\",\"ctaNote\":\"Opens the full analysis at that price, with the taxes that apply {regionIn} and the running costs.\",\"smallHome\":\"Home up to {m2} m² built?\",\"smallHomeUnknown\":\"I don't know\",\"smallHomeYes\":\"Yes\",\"smallHomeNo\":\"No, it is larger\",\"smallHomeHint\":\"It only changes the ITP: a small main home pays a reduced rate. If you don't know, the general rate is used.\",\"secondLoanLabel\":\"Separately, with the second public loan ({scheme}): a home up to about\",\"secondLoanVpo_ICF_EMANCIPACIO\":\"Warning: with this loan the home becomes protected housing (VPO) for good. Its resale price will be capped and letting it will need administrative authorisation. Confirm the conditions with the Agència de l'Habitatge de Catalunya before committing.\",\"secondLoanBank\":\"The bank lends {loan}, {ltv} of the price.\",\"secondLoanPublic\":\"The second loan covers {amount} at {rate}: {pct} of the price, up to {cap}.\",\"secondLoanPublicAtCap\":\"The second loan covers {amount} at {rate}: its maximum.\",\"secondLoanCash\":\"From your savings: {cash} (deposit, taxes and fees).\",\"secondLoanPayment\":\"Payment: {payment}, the bank's alone ({share} of your net income): nothing is paid on the second loan while the mortgage runs.\",\"secondLoanLater\":\"Then, once the mortgage is repaid: {payment} for {years}.\",\"secondLoanConfirm\":\"likely - confirm\",\"secondLoanIncomeUnchecked\":\"It has an income limit we do not check: confirm with the bank.\",\"secondLoanApart\":\"A separate figure, never the one above: worked out with the bank's loan alone, with no other public guarantee.\",\"secondLoanFailed\":\"Not worked out on your answers. Not met: {list}.\"},\"buyerProfile\":{\"title\":\"About you (can lower your purchase tax)\",\"why\":\"Some communities charge a reduced transfer tax for certain buyers.\",\"whyTip\":\"Autonomous communities offer reduced ITP rates for, among others, buyers under an age limit, large families (familia numerosa), buyers with a recognised disability, and protected housing (VPO) - usually only when the property will be your habitual residence, sometimes with price caps. If your details match a rule we apply the reduced rate and show the saving.\",\"mainResidenceNote\":\"Most reduced rates apply only to a habitual residence (you selected a different purpose, so they are unlikely to apply - we still show what exists).\",\"age\":\"Your age\",\"largeFamily\":\"Large family (familia numerosa)\",\"disability\":\"Recognised disability (33%+)\",\"vpo\":\"Protected housing (VPO)\"},\"catastro\":{\"title\":\"Already own it? Use your cadastral reference\",\"lead\":\"Enter your property's cadastral reference and we open your report with its official details from the Catastro - no listing needed.\",\"placeholder\":\"e.g. 9872023 VH5797S 0001 WX\",\"button\":\"Open my report\",\"note\":\"Official Catastro data (community and size). Add the price and rent in the analyser. Orientation, not advice.\",\"invali
1d\":\"That does not look like a valid cadastral reference. Check it and try again.\"},\"community\":{\"VAL\":\"Valencian Community\",\"AND\":\"Andalusia\",\"CAT\":\"Catalonia\",\"MAD\":\"Community of Madrid\",\"ARA\":\"Aragon\",\"AST\":\"Asturias\",\"BAL\":\"Balearic Islands\",\"CAN\":\"Canary Islands\",\"CTB\":\"Cantabria\",\"CLM\":\"Castilla-La Mancha\",\"CYL\":\"Castile and Leon\",\"EXT\":\"Extremadura\",\"GAL\":\"Galicia\",\"MUR\":\"Region of Murcia\",\"NAV\":\"Navarre\",\"PVA\":\"Basque Country\",\"RIO\":\"La Rioja\"},\"consent\":{\"tagRequired\":\"Required\",\"tagOptional\":\"Optional · change it any time\",\"terms\":\"I have read and accept the \u003cterms\u003eTerms of Service\u003c/terms\u003e and the \u003cprivacy\u003ePrivacy Policy\u003c/privacy\u003e.\",\"termsDoc\":\"Terms of Service\",\"privacyDoc\":\"Privacy Policy\",\"marketData\":\"Help improve Yald's estimates. Yald may use the figures from analyses you save to build local price and rent averages, shown to everyone.\",\"marketDataMore\":\"Never your name, never an address, and only where at least 5 properties share the same area and size band.\",\"marketDataLink\":\"What this means\",\"productEmail\":\"Email me occasionally about new features and Spanish property tax changes. Never more than monthly, and nothing to do with the emails your account itself sends.\",\"marketDataTitle\":\"Local market averages\",\"marketDataAccount\":\"Your saved figures may be pooled into anonymous area averages, only where at least 5 properties share the same area and size band. Untick to leave the pool at the next rebuild.\",\"productEmailTitle\":\"Product email\",\"productEmailAccount\":\"Occasional email about new features and tax changes. Account and billing email is separate and always sent.\",\"withdrawNote\":\"You can also write to [email protected]. Withdrawing does not affect anything done while the consent was in force.\",\"saveFailed\":\"That did not save. Nothing has changed - try again.\"},\"emailSettings\":{\"title\":\"Emails\",\"crumb\":\"Account\",\"lede\":\"Choose what Yald emails you about. Only the emails that apply to your account are listed. Changes save as you make them.\",\"sentTo\":\"Sent to\",\"language\":\"Email language\",\"languageApp\":\"Same as the app\",\"changeAddress\":\"Change address\",\"alwaysTitle\":\"Always sent\",\"alwaysTag\":\"NO SWITCH\",\"alwaysBody\":\"About your account, your security and your money. They cannot be turned off, because the account cannot work without them.\",\"alwaysShow\":\"What these are ({count})\",\"always\":{\"auth\":\"Sign-in links, email confirmation and password resets\",\"trial\":\"Your trial: 2 days before it ends, and the day it ends\",\"plan\":\"Your plan and payments: started, payment problems, cancelled, ended\",\"purchases\":\"Purchases: your Dossier, deadline pass or AI credit is ready\",\"firmPlace\":\"Your place in a firm: added, role changed, removed, made owner\",\"firmBilling\"
1:\"Firm billing: trial ending, payment problems\",\"deletion\":\"Account deletion, if you ever ask for it\"},\"alertsTitle\":\"Alerts about your properties\",\"alertsBody\":\"Only alerts that match what is in your account are listed.\",\"alertsUpsell\":\"Tax deadline alerts come with Pro or a one-off deadline pass, once you add a property. Rent reminders appear when you track rent on a property.\",\"deadline\":\"Tax filing deadlines\",\"deadlineBody\":\"Before each tax filing that applies to you (Modelo 210 and the others in your deadlines panel).\",\"deadlineBoth\":\"14 and 3 days before\",\"deadlineLate\":\"3 days before only\",\"rent\":\"Late rent\",\"rentBody\":\"When a rent payment you track is 5 days late. Once per payment.\",\"rule\":\"Rule changes that move your figures\",\"ruleBody\":\"When a tax or rental rule change takes effect and changes one of your saved analyses.\",\"aiAllowance\":\"AI allowance\",\"aiAllowanceBody\":\"At 80% of your monthly allowance, and when it runs out.\",\"firmBody\":\"These apply to you only, not to the rest of the team.\",\"firmViewer\":\"As a viewer you get only the \\\"always sent\\\" emails about your place in the firm.\",\"activityAll\":\"Client activity\",\"activityAllBody\":\"When any client uploads a document. At most one email per client per day.\",\"activityMine\":\"Your clients’ activity\",\"activityMineBody\":\"When a client assigned to you uploads a document. At most one email per client per day.\",\"activityInstant\":\"As it happens\",\"activityDaily\":\"Once a day\",\"activityOff\":\"Off\",\"proposal\":\"Proposal opened\",\"proposalBody\":\"When a prospect opens a proposal you sent.\",\"joined\":\"Someone joined the team\",\"joinedBody\":\"When an invited colleague accepts.\",\"tier\":\"The firm outgrew its plan\",\"tierBody\":\"When your active clients pass what your tier covers. Nothing is ever charged automatically.\",\"firmAi\":\"Firm AI allowance\",\"firmAiBody\":\"At 80% of the team’s monthly allowance, and when it runs out.\",\"clientTitle\":\"Emails to your clients\",\"clientBody\":\"For the whole firm. \\\"Ask each time\\\" adds a tick box when you share a link or request a document.\",\"clientPageReady\":\"Their page is ready\",\"clientDocRequested\":\"A document is requested\",\"clientUpdates\":\"Daily update when something moves\",\"clientReminder\":\"One reminder for an overdue request\",\"clientAlways\":\"Always\",\"clientAsk\":\"Ask each time\",\"clientNever\":\"Never\",\"productTitle\":\"News and tips from Yald\",\"productBody\":\"Optional. Off unless you turn it on. Turning this on also lets us see whether our emails are opened, so we send fewer and better ones.\",\"productMaster\":\"Product emails\",\"productMasterBody\":\"Yes, send me news and tips from Yald.\",\"productNeedsMaster\":\"needs the switch above\",\"tips\":\"Getting started tips\",\"tipsBody\":\"Two short emails in your first week, only until you have tried the analyser.\",\"summary\":\"Monthly summary\",\"summaryBody\":\"On the 1st: deadlines coming up, rule changes, rent received. Skipped when nothing changed.\",\"news\":\"Product news\",\"newsBody\":\"New features and new regions. A few times a year.\",\"foot\":\"Every email also has a link at the bottom that brings you back here, and product emails can be stopped in one click from the email itself. We never share your address. Opens and clicks are only measured if product emails are on.\",\"saved\":\"Saved\",\"saveFailed\":\"That did not save. Try again.\",\"accountLink\":\"Emails you get from Yald\",\"accountLinkBody\":\"Choose alerts, firm notifications and news.\"},\"cookie\":{\"title\":\"Cookies and measurement\",\"message\":\"We use only what the site needs to work. With your permission we also measure how it is used.\",\"accept\":\"Accept\",\"reject\":\"Essential only\",\"choose\":\"Choose\",\"save\":\"Save choices\",\"learn\":\"Cookie policy\",\"settings\":\"Cookie settings\",\"panelAlways\":\"Either way we count page views, the country and where the visit came from, without storing anything on your device and without keeping any record of you past midnight. That needs no permission and does not change with your answer.\",\"purpose_AUDIENCE\":\"Audience measurement\",\"purposeWhat_AUDIENCE\":\"Lets us tell that you came back, and which link first brought you here. It means keeping one identifier on your device for up to 13 months. It belongs to this site alone.\",\"panelNever\":\"Never sold. Never shared with advertisers. Never used to build an advertising profile or to follow you across other sites. There are no third-party trackers on this site.\"},\"copilot\":{\"title\":\"Ask the deal copilot\",\"lead\":\"Ask anything about this analysis - grounded in your numbers.\",\"proLead\":\"The AI deal copilot explains your numbers and answers what-ifs. A Pro feature.\",\"proCta\":\"Upgrade to Pro\",\"proUnlimited\":\"Pro is unlimited reports, the AI copilot and the Buyer's Dossier.\",\"placeholder\":\"e.g. Why is the after-tax yield lower than gross?\",\"ask\":\"Ask\",\"thinking\":\"Thinking...\",\"soon\":\"The copilot is not enabled on this environment yet.\",\"proOnly\":\"That is a Pro feature. Upgrade to use the copilot.\",\"trialLimit\":\"You've used your trial AI questions. Upgrade to Pro to keep asking.\",\"error\":\"Something went wrong. Please try again.\",\"note\":\"Estimates and orientation only, grounded in this analysis. Not tax, legal or financial advice - confirm with your gestor / asesor fiscal.\",\"aiBadge\":\"AI\",\"answerLabel\":\"AI-generated answer\",\"aiDisclosure\":\"You are asking an AI system: its answers are generated automatically from this analysis and can be wrong, so the figures above remain the reference.\",\"rateLimited\":\"That is a lot of questions in a short time. Please wait {seconds, plural, one {# second} other {# seconds}} and ask again.\"},\"dashState\":{\"viewAs\":\"View as\",\"auto\":\"Automatic\",\"undo\":\"Undo\",\"dismiss\":\"Dismiss\",\"name_STARTING\":\"Getting started\",\"name_HUNTING\"
1:\"Hunting\",\"name_OWNER\":\"Owner\",\"name_PORTFOLIO\":\"Portfolio\",\"name_TEAM\":\"Team\",\"moved_STARTING\":\"Your dashboard now leads with getting your first analysis done.\",\"moved_HUNTING\":\"Your dashboard now leads with the deals you are choosing between.\",\"moved_OWNER\":\"You own a property now, so your dashboard leads with rent and filing dates.\",\"moved_PORTFOLIO\":\"With four properties your dashboard now leads with the roll-up and a full table.\",\"moved_TEAM\":\"You are in a team workspace, so your dashboard now shows the shared pipeline.\"},\"dashboard\":{\"title\":\"Your analyses\",\"empty\":\"No analyses yet. Run one and it will appear here.\",\"runNew\":\"Analyse a listing\",\"statProperties\":\"Properties\",\"statAnalyses\":\"Analyses\",\"statOverdue\":\"Overdue rent\",\"overdueChase\":\"Rent to chase up\",\"untitledProperty\":\"Untitled property\",\"deleteAnalysis\":\"Delete analysis\",\"deleteConfirm\":\"Delete this analysis? This cannot be undone.\",\"rename\":\"Rename analysis\",\"renamePrompt\":\"Name this analysis\",\"detailBack\":\"Back to dashboard\",\"viewListing\":\"View listing\",\"titleLabel\":\"Title\",\"noteLabel\":\"Notes\",\"saveMeta\":\"Save\",\"metaSaved\":\"Saved.\",\"linkedProperty\":\"Linked property\",\"compareSelected\":\"Compare selected\",\"selectToCompare\":\"Tick two or more to compare them side by side.\",\"compareTitle\":\"Compare\",\"back\":\"Back to analyses\",\"price\":\"Price\",\"verdict\":\"Verdict\",\"buyTitle\":\"What this purchase actually costs\",\"buyCashNeeded\":\"Cash to complete\",\"buyCashNeededHint\":\"Deposit + taxes + fees\",\"buyTotalToBuy\":\"Total to buy\",\"buyTotalToBuyHint\":\"Price + all purchase costs\",\"buyMonthlyCost\":\"Monthly cost of owning\",\"buyMonthlyCostHint\":\"Mortgage, taxes, community, upkeep\",\"buyPricePerM2\":\"Price per m²\",\"buyImputedTax\":\"Imputed-income tax\",\"buyPerYear\":\"/yr\",\"buyImputedHint\":\"Owed every year on a second home, let or not\",\"buyImputedProxyHint\":\"Estimated high - add the valor catastral from your IBI receipt\",\"score\":\"Score\",\"confidence\":\"Confidence\",\"verdictBoundary\":\"A summary of the figures versus typical ranges - orientation only, not advice or a valuation.\",\"tier\":{\"STRONG\":\"Strong on the numbers\",\"BALANCED\":\"Balanced on the numbers\",\"STRETCHED\":\"Stretched on the numbers\"},\"confLevel\":{\"HIGH\":\"High\",\"MODERATE\":\"Moderate\",\"LOW\":\"Low\"},\"confidenceComparables\":\"Based on {n} local comparables\",\"confidenceInputs\":\"Based on your inputs ({provided} of {total})\",\"modeInvest\":\"Investment\",\"modeBuy\":\"Buy to live\",\"metric\":{\"netYieldAfterTax\":\"Net yield (after tax)\",\"cashOnCash\":\"Cash-on-cash\",\"capRate\":\"Cap rate\",\"monthlyCashflow\":\"Monthly cash flow\",\"priceToRent\":\"Price-to-rent\",\"priceFairness\":\"Price vs market\",\"buyVsRent\":\"Buy vs rent\",\"affordability\":\"Payment to income\"},\"rating\":{\"STRONG\":\"Strong\",\"GOOD\":\"Good\",\"FAIR\":\"Fair\",\"WEAK\":\"Weak\"},\"driver\":{\"price\":\"Price\",\"rent\":\"Rent\",\"interest\":\"Interest rate\",\"vacancy\":\"Vacancy\"},\"reverseOfferTitle\":\"What to offer\",\"reverseOfferTarget\":\"{pct}% net after tax\",\"reverseOfferDiscount\":\"-{pct}% vs asking\",\"reverseOfferNote\":\"Estimate on your current assumptions. Orientation only, not advice.\",\"marketTitle\":\"Market snapshot\",\"medianSale\":\"Median sale\",\"medianRent\":\"Median rent\",\"yourM2\":\"Your €/m²\",\"mortgageRate\":\"Mortgage rate\",\"marketSource\":\"Sources: {sources} · as of {asOf}\",\"marketNoData\":\"Based on your inputs - no local market data yet.\",\"needRent\":\"Add a monthly rent to see the verdict\",\"needRentSub\":\"This looks like an investment - enter the expected monthly rent above and we'll score the yield, cash flow and more.\",\"needData\":\"Add a size to see the verdict\",\"needDataSub\":\"Enter the size (m²) above so we can compare the price to the local market.\",\"buyRentTitle\":\"Buying vs renting \u0026 affordability\",\"ownMonthly\":\"Cost of owning\",\"marketRent\":\"Market rent\",\"monthlyGap\":\"Monthly difference\",\"cheaperToBuy\":\"Owning is cheaper\",\"cheaperToRent\":\"Renting is cheaper\",\"paymentToIncomeStat\":\"Payment vs income\",\"depositCoverage\":\"Deposit coverage\",\"projectionTitle\":\"Long-term projection\",\"projectionHint\"
1:\"scenarios, not forecasts\",\"projYear\":\"Year\",\"projValue\":\"Property value\",\"projEquity\":\"Your equity\",\"projCashflow\":\"Cumulative cash flow\",\"projNote\":\"Base case {base}%/yr appreciation (conservative {cons}% / optimistic {opt}%). Excludes exit costs (agent fee, plusvalía, capital-gains tax).\",\"ratingTip\":\"How this figure compares to typical ranges: strong / good / fair / weak.\",\"totalReturnTitle\":\"After-tax return over {years} years (base case)\",\"totalReturnIrr\":\"After-tax IRR\",\"totalReturnMoic\":\"Money multiple\",\"totalReturnCgt\":\"Capital-gains tax at sale\",\"totalReturnNote\":\"Base-case appreciation, your after-tax cashflow, and capital-gains tax on exit. Excludes plusvalía municipal (add your land value in the seller calculator) - so the real IRR is a little lower.\",\"totalReturnAmortisationExcluded\":\"The capital-gains tax above leaves out the building amortisation, because the construction share is missing. At sale the law takes it off what the flat cost you whether or not you ever claimed it, so the real tax is higher and the IRR lower. Add the construction share to include it.\",\"needDetails\":\"Complete the property details\",\"needDetailsSub\":\"Missing: {list}. As soon as we have these we estimate the market rent automatically and produce your verdict - you do not need to enter a rent yourself.\",\"reverseOfferColYield\":\"Net yield\",\"compareSale\":\"Price per m²\",\"compareRent\":\"Rent per m²\",\"compareMine\":\"This property\",\"compareArea\":\"Area typical\",\"projectionPreview\":\"By year {year}: {value} value · {equity} equity\",\"reverseOfferTargetShort\":\"{pct}%\",\"projectionTableTitle\":\"Year by year\",\"anchor_ASKING\":\"asking\",\"anchor_ESTIMATE\":\"our estimate\",\"anchor_ESTIMATE_LOW\":\"low end of our range\",\"reverseOfferHidden\":\"{n} higher yield targets are hidden: reaching them would need a price below our own value estimate for this property.\",\"reverseOfferColPrice\":\"Price\",\"reverseOfferLead\":\"What each price would yield, and what you would have to bid for more.\",\"rentIndexApplied\":\"Rent is indexed once, by {pct}% - the latest published {index} ({period}, {source}) - and held flat after that, because the next update is a forecast and this projection does not make one.\",\"rentIndexFlat\":\"Rent is held flat across the projection. Indexing it would need a published index reading for this tenancy, and there is none here.\",\"rangeTitle\":\"The likely range, not one number\",\"rangeHint\":\"Rent, empty months and the mortgage rate rarely move one at a time. This runs them together and reports where the monthly figure lands.\",\"rangeLow\":\"Bad run (P10)\",\"rangeMid\":\"Middle (P50)\",\"rangeHigh\":\"Good run (P90)\",\"rangeNegative\":\"In {pct}% of the combinations tried, the flat costs you money every month.\",\"rangeAssumptions\":\"{samples} runs of the same engine. Rent varies ±{rent}%, the mortgage rate ±{rate} points, and occupancy down to {days} days let a year. After-tax net yield lands between {yieldLow}% and {yieldHigh}%. Those spreads are assumptions, not a forecast, and the same inputs always give the same range.\",\"dealPanelTitle\":\"This deal\",\"dealPanelLead\":\"Who it is for, who can see it, what you call it.\",\"dealEdit\":\"Edit\",\"dealAdd\":\"Add\",\"dealCancel\":\"Cancel\",\"dealNoNote\":\"None yet\"},\"disclaimer\":{\"orientation\":\"Estimate for orientation only - not tax, legal or financial advice. Figures are computed from versioned, dated reference rates and may be incomplete or out of date. Confirm with your gestor / asesor fiscal.\",\"estimateOrientation\":\"Orientation estimate - a range, not a tasación or official valuation. Rent and price are derived from versioned, dated market baselines and the data available for the area, and may be wide where data is thin. Confirm a property value with a homologated tasador and your figures with your gestor.\"},\"dossier\":{\"title\":\"Buyer's Dossier\",\"subtitle\":\"Estimated after-tax economics for this property\",\"price\":\"asking\",\"purposeMain\":\"Main residence\",\"purposeSecond\":\"Second home\",\"purposeInvestment\":\"Investment\",\"statusResident\":\"Resident\",\"statusEu\":\"EU / EEA\",\"statusNonEu\":\"Non-EU\",\"preparedOn\":\"Prepared {date}\",\"verdictTitle\":\"Verdict\",\"verdict\":\"Verdict\",\"score\":\"Score\",\"confidence\":\"Confidence\",\"tier_STRONG\":\"Strong on the numbers\",\"tier_BALANCED\":\"Balanced on the numbers\",\"tier_STRETCHED\":\"Stretched on the numbers\",\"conf_HIGH\":\"High\",\"conf_MODERATE\":\"Moderate\",\"conf_LOW\":\"Low\",\"verdictNote\":\"An orientation rating versus typical ranges - not advice or a valuation.\",\"purchaseCosts\":\"Purchase costs\",\"taxBase\":\"Tax base\",\"transferTax\":\"Transfer tax (ITP)\",\"vat\":\"VAT (IVA)\",\"stampDuty\":\"Stamp duty (AJD)\",\"fees\":\"Fees (notary · registry · gestoría)\",\"totalCosts\":\"Total costs\",\"totalInvested\":\"Total invested\",\"cashToComplete\":\"Cash to complete\",\"rent\":\"Rent\",\"grossAnnualRent\":\"Gross annual rent\",\"deductibleExpenses\":\"Deductible expenses\",\"netBeforeTax\":\"Net before tax\",\"taxTwoScenarios\":\"Spanish rental tax - two scenarios apply (non-EU)\",\"enforcedCol\":\"Enforced (AEAT): 24% on gross\",\"rulingCol\":\"May apply (ruling 3630/2025): 24% on net\",\"taxableBase\":\"Taxable base\",\"taxDueAnnual\":\"Tax due (annual)\",\"refundWindow\":\"Refund window: {years} years.\",\"taxTitle\":\"Spanish rental tax\",\"rate\":\"Rate\",\"yieldsTitle\":\"Yields\",\"grossYield\":\"Gross yield\",\"netYieldBeforeTax\":\"Net yield (before tax and financing)\",\"netYieldAfterTax\":\"Net yield (after tax, before financing)\",\"monthlyCashflow\":\"Monthly cash-flow\",\"beforeTax\":\"Before tax\",\"afterTax\":\"After tax\",\"sensitivityTitle\":\"What would change this\",\"driver_price\":\"Price\",\"driver_rent\":\"Rent\",\"driver_interest\":\"Interest rate\",\"driver_vacancy\":\"Vacancy\",\"reverseOfferTitle\":\"What to offer\",\"reverseOfferTarget\":\"{pct}% net after tax\",\"marketTitle\":\"Market snapshot\",\"medianSale\":\"Median sale\",\"medianRent\":\"Median rent\",\"rateStamp\":\"Rates {version} · effective {date}\",\"confirm\":\"Confirm with your gestor / asesor fiscal before acting.\",\"lead\":\"A shareable, bank- and gestor-ready PDF of this deal.\",\"cta\":\"Open Buyer's Dossier\",\"generating\":\"Generating...\",\"proLead\":\"The Buyer's Dossier is a shareable, bank/gestor-ready PDF of the full deal. A Pro feature.\",\"proCta\":\"Upgrade to Pro\",\"proUnlimited\":\"Pro is unlimited reports, the AI copilot and the Buyer's Dossier.\",\"saveForOneOff\":\"Save this analysis to buy just this Dossier (€39, no subscription).\",\"note\":\"Estimates and orientation only. Not tax, legal or financial advice - confirm with your gestor / asesor fiscal.\",\"proOnly\":\"That is a Pro feature. Upgrade to generate the dossier.\",\"error\":\"Something went wrong. Please try again.\",\"buyOneOff\":\"Buy this Dossier - €39\",\"oneOffN
1ote\":\"One payment, no subscription - this deal only. Estimates and orientation; confirm with your gestor / asesor fiscal.\",\"years\":\"{n} years\",\"kpiPrice\":\"Price\",\"kpiLtv\":\"LTV\",\"kpiNetYield\":\"Net yield\",\"kpiCashflow\":\"Monthly cashflow\",\"kpiDscr\":\"Coverage (DSCR)\",\"kpiCashToComplete\":\"Cash to complete\",\"valuationTitle\":\"Valuation\",\"askingPrice\":\"Asking price\",\"sizeLabel\":\"Size\",\"pricePerM2Label\":\"Price per m²\",\"marketMedianM2\":\"Market median (m²)\",\"vsMarketM2\":\"Vs market\",\"financingTitle\":\"Financing and coverage\",\"loanAmount\":\"Loan amount\",\"ltv\":\"LTV (loan to price)\",\"ownFunds\":\"Own funds (deposit + costs)\",\"interestRate\":\"Interest rate\",\"term\":\"Term\",\"monthlyPayment\":\"Monthly payment\",\"annualDebtService\":\"Annual debt service\",\"dscrLabel\":\"Debt-service coverage (DSCR)\",\"dscrNote\":\"DSCR is net operating income divided by annual debt service. Lenders typically look for 1.2x or more. Orientation, not advice.\",\"breakEvenOccupancy\":\"Break-even occupancy\",\"cashPurchaseNote\"
1:\"Cash purchase - no financing. Add an intended mortgage to see the LTV and coverage a lender would assess.\",\"projectionTitle\":\"Multi-year projection\",\"projYear\":\"Year\",\"projValue\":\"Value\",\"projEquity\":\"Equity\",\"projCumCashflow\":\"Cumulative cashflow\",\"projScenarioNote\":\"Base scenario, {pct}% appreciation per year. These are scenarios, not forecasts.\",\"totalReturnTitle\":\"Whole-hold total return (after tax)\",\"holdYears\":\"Holding period\",\"initialEquity\":\"Initial equity\",\"annualAfterTaxCashflow\":\"Annual after-tax cashflow\",\"cgtOnExit\":\"Capital-gains tax on exit\",\"terminalValue\":\"Terminal value\",\"irr\":\"IRR\",\"moic\":\"Multiple (MOIC)\",\"totalReturnLabel\":\"Total return\",\"plusvaliaExcludedNote\":\"Excludes plusvalía municipal (the cadastral land value is missing); use the sell calculator for the full figure. The IRR is an upper bound.\",\"amortisationExcludedNote\":\"The capital-gains tax leaves out the building amortisation (the construction share is missing). Art. 40 RIRPF takes it off the acquisition value at sale whether or not it was claimed, so the tax is understated and the IRR is an upper bound.\",\"readinessBlockedTitle\":\"Add a few details first\",\"readinessBlockedLead\":\"A dossier you would show a bank needs at least these:\",\"readinessRecommendedTitle\":\"Recommended for a stronger dossier\",\"need_community\":\"Autonomous community (for the correct tax)\",\"need_size\":\"Size in m² (for price per m²)\",\"need_rent\":\"Monthly rent - essential to evidence the rental case to a bank\",\"need_financing\":\"Intended mortgage (for the LTV and coverage a bank assesses)\",\"need_assumptions\":\"More assumptions (IBI, community fees, rate) for accuracy\",\"readinessComplete\":\"{pct}% of the key details complete\",\"generateAnyway\":\"Generate anyway\",\"rentEstimatedNote\":\"The monthly rent is a Yald market estimate based on the area and the property’s characteristics - not a contracted or verified rent. Replace it with the actual rent if you have one.\",\"need_city\":\"The property’s city (a lender needs to know where it is)\",\"reportKind\":\"Property report\",\"dossierKind\":\"Buyer's dossier\",\"perMonthShort\":\"/mo\",\"preparedOnLabel\":\"Prepared\",\"kpiMonthlyCost\":\"Monthly cost\",\"kpiVsEstimate\":\"vs typical asking\",\"secVerdict\":\"The verdict\",\"secPrice\":\"Is it priced right?\",\"secBuyCosts\":\"What it costs to buy\",\"secMonthly\":\"What it costs each month\",\"secTax\":\"Spanish tax\",\"secMarket\":\"The area\",\"secFinancing\":\"Financing and coverage\",\"secProjection\":\"Year by year\",\"secReturn\":\"Return over the hold\",\"secSensitivity\":\"What moves the outcome\",\"secOffer\":\"What to offer\",\"leadPrice\":\"Where this asking price sits against typical asking prices for comparable property in the same area.\",\"leadBuyCosts\":\"The taxes and fees on top of the price, and the cash you need at completion.\",\"leadMonthlyInvest\":\"What the property costs to hold, what it brings in, and what is left after Spanish tax.\",\"leadMonthlyBuy\":\"What owning this property costs every month, and how that compares with renting the same thing.\",\"leadTax\":\"The Spanish tax this property attracts in your situation.\",\"confidenceBasis\":\"{provided} of {total} details supplied\",\"estMid\":\"Our estimate\",\"askingShort\":\"Asking\",\"vsEstimate\":\"vs our estimate\",\"capPriceRange\":\"Asking price against our estimated range for this area.\",\"capM2\":\"Price per m² against the area.\",\"capCostSplit\":\"What the purchase costs are made of.\",\"capProjection\":\"Equity and cumulative cash-flow across the hold.\",\"yourM2\":\"This property\",\"zoneM2\":\"Area typical\",\"onMarket\":\"Advertised for\",\"daysValue\":\"{days} days\",\"alreadyCut\":\"Already reduced by\",\"priceBasisNote\":\"Our estimate is built from typical ASKING prices in this area, not from recorded sale prices. Both sides of this comparison are advertised prices, so a gap is a starting point for a conversation, not a discount to what the property w
1ould sell for.\",\"taxesLabel\":\"Taxes\",\"taxBaseHint\":\"The valor de referencia is higher than the price, so it becomes the taxable base.\",\"vatIgic\":\"IGIC (Canary Islands)\",\"monthlyMortgage\":\"Mortgage\",\"monthlyOperating\":\"Community, IBI, insurance, upkeep\",\"monthlyTotal\":\"Total each month\",\"buyVsRentTitle\":\"Buying against renting\",\"ownMonthly\":\"Owning\",\"marketRent\":\"Renting the same\",\"cheaperToBuy\":\"Owning costs less each month than renting the equivalent.\",\"cheaperToRent\":\"Renting the equivalent costs less each month than owning.\",\"imputedTitle\":\"Imputed income tax (second home)\",\"imputedBase\":\"Base\",\"imputedRate\":\"Rate\",\"imputedProxyHint\":\"Estimated from the price - supply the valor catastral from your IBI receipt for the legal base.\",\"imputedProxyNote\":\"No valor catastral was supplied, so this uses the rule the law sets for a property without one: 1.1% of half its wealth-tax value (the greater of the price and the valor de referencia). Most properties do have a valor catastral - it is on your IBI receipt - and that is the base that applies.\",\"mortgageRate\":\"Typical mortgage rate\",\"marketSource\":\"Sources: {sources} · as of {asOf}\",\"boundaryTitle\":\"Orientation, not advice\",\"boundaryText\":\"Every figure here is an estimate produced from the details supplied and published reference rates. It is orientation, not tax, legal or investment advice, and no figure is a valuation. Confirm value with a tasador and tax with a gestor before you commit.\",\"pageOf\":\"Page {n} of {total}\",\"preparedForCover\":\"Prepared for {name}\",\"analysisBy\":\"Figures and tax rules by Yald.\"},\"dueDiligence\":{\"secDueDiligence\":\"Before you sign\",\"secDueDiligenceLead\":\"What transfers with the flat, and lands on you whatever the price was. Every other section prices the purchase; this is what you inherit by completing it.\",\"ddColItem\":\"Ask for\",\"ddColAsk\":\"Who has it\",\"ddColRisk\":\"If you skip it\",\"ddStamp\":\"Checklist {version}. Orientation, not legal advice - your lawyer runs the real search.\",\"notaTitle\":\"Nota simple, dated this week\",\"notaAsk\":\"Registro de la Propiedad, online or through your lawyer. A few euros, same day.\",\"notaRisk\":\"Mortgages, embargoes and easements you did not know about. It is informative, not a full search, and some obligations bind a new owner without ever appearing on it.\",\"communityTitle\":\"Certificate of community debt\",\"communityAsk\":\"The administrador de fincas, signed by the secretary with the president's approval. The seller must provide it to complete.\",\"communityRisk\":\"Under the Ley de Propiedad Horizontal the seller's arrears follow the flat to you. You pay them, then chase the seller yourself.\",\"derramaTitle\":\"Minutes of the last two owners' meetings\",\"derramaAsk\":\"The administrador. Ask specifically for any derrama voted but not yet billed.\",\"derramaRisk\":\"A voted derrama is on no receipt and no nota simple, and a lift or a facade can run into five figures per flat. It is yours from completion.\",\"retentionTitle\":\"Is the seller a non-resident?\",\"retentionAsk\":\"The seller, in writing, before signing. Your lawyer confirms it at the notary.\",\"retentionRisk\":\"If they are, YOU must withhold 3% of the price and pay it to the AEAT on Modelo 211 within a month. Miss it and the tax becomes your liability, not theirs.\",\"iteTitle\":\"ITE or IEE report on the building\",\"iteAsk\":\"The administrador or the ayuntamiento. Older buildings are on a municipal inspection cycle.\",\"iteRisk\":\"An unfavourable inspection carries a works order behind it, and the derrama that pays for it is voted after you own the flat.\",\"ibiTitle\":\"Last IBI receipt and utility bills\",\"ibiAsk\":\"The seller. The receipt also carries the cadastral reference and the construction split.\",\"ibiRisk\":\"IBI arrears attach to the property for the last four years. The same receipt is what unlocks your amortisation deduction later.\",\"occupancyTitle\":\"Is anyone living there?\",\"occupancyAsk\":\"See it yourself, empty, on the day. Ask for the cédula de habitabilidad or licencia de primera ocupación.\",\"occupancyRisk\":\"A tenant with a live contract stays, on their terms, and recovering a property through the courts runs six to eighteen months.\",\"energyTitle\":\"Energy certificate\",\"energyAsk\":\"The seller must hand it over; it is required to market the property at all.\",\"energyRisk\":\"No ban attaches to a poor rating today, but an E, F or G tells you what the bills and any renovation trajectory will look like.\",\"newBuildTitle\":\"Developer guarantees and licences\",\"newBuildAsk\":\"The developer: aval or insurance on your staged payments, licencia de primera ocupación, and the ten-year structural insurance.\",\"newBuildRisk\":\"W
1ithout the aval, money paid before delivery is unsecured if the developer fails. Without the licence the property cannot legally be occupied or connected.\",\"sevCritical\":\"Can cost you on signing day\",\"sevImportant\":\"Ask before you offer\",\"sevContext\":\"Worth knowing\"},\"estimate\":{\"title\":\"Estimate rent and price\",\"lead\":\"Enter the community, type and size and get an estimated rent and price - each as a range - which then pre-fills the analyser.\",\"propertyType\":\"Property type\",\"community\":\"Autonomous community\",\"sizeM2\":\"Size (m²)\",\"address\":\"Address (optional)\",\"addressPlaceholder\":\"Street, town\",\"addDetailHint\":\"The minimum already gives an estimate; add detail to tighten the range.\",\"detailTitle\":\"Add detail\",\"detailSharpens\":\"More detail narrows the range\",\"bedrooms\":\"Bedrooms\",\"bathrooms\":\"Bathrooms\",\"condition\":\"Condition\",\"conditionAny\":\"Not specified\",\"condition_NEW\":\"New\",\"condition_GOOD\":\"Good\",\"condition_TO_REFORM\":\"To reform\",\"floor\":\"Floor\",\"yearBuilt\":\"Year built\",\"energyCert\":\"Energy certificate\",\"energyAny\":\"Not specified\",\"elevator\":\"Lift\",\"terrace\":\"Terrace\",\"parking\":\"Parking\",\"submit\":\"Estimate\",\"calculating\":\"Calculating…\",\"sizeRequired\":\"Enter the size in m².\",\"rentTitle\":\"Estimated monthly rent\",\"priceTitle\":\"Estimated price\",\"perMonth\":\"/mo\",\"range\":\"Range {low} - {high}\",\"confidenceLabel\":\"Confidence\",\"confidenceNarrow\":\"narrow\",\"confidenceModerate\":\"moderate\",\"confidenceWide\":\"wide\",\"dataBacked\":\"Local data\",\"baseline\":\"Baseline\",\"useTheseNumbers\":\"Use these numbers in the analyser\",\"signInTitle\":\"Create an account to estimate\",\"signInLead\":\"Auto estimation needs a free account (up to {limit} a day). The manual analyser is always unlimited and needs no account.\",\"signInCta\":\"Create free account\",\"tryManual\":\"Use the manual analyser\",\"remaining\":\"{n} of {limit} estimates left today\",\"limitReached\":\"You've reached today's limit of {limit} auto estimates. Come back tomorrow, or use the manual analyser (unlimited).\",\"limitReachedShort\":\"Daily limit reached ({limit}/day)\",\"signInRequired\":\"Sign in to use auto estimation.\"},\"expense\":{\"community\":\"Community fees\",\"ibi\":\"IBI\",\"insurance\":\"Insurance\",\"management\":\"Management\",\"maintenance\":\"Maintenance\",\"supplies\":\"Supplies\",\"legal\":\"Legal \u0026 defence\",\"formalisation\":\"Contract formalisation\",\"interest\":\"Finance interest\",\"works\":\"Works on the property\"},\"explain\":{\"taxBaseValor\":\"Tax is charged on {valor} - the valor de referencia - not on your price of {price}. Since 2022 the valor de referencia is the minimum taxable base, even when you pay less.\",\"taxBasePrice\":\"Tax is charged on the purchase price. If the property has a higher valor de referencia (the cadastral market value), that becomes the minimum base - add it above for accuracy.\",\"itpBandedIntro\":\"This community taxes the base in slices, like income tax:\",\"itpBandLine\":\"{rate} on the slice from {from} to {upTo} = {tax}\",\"itpBandLineOpen\":\"{rate} on everything above {from} = {tax}\",\"itpFlat\":\"{rate} of {base} - this community charges a single flat rate.\",\"reliefApplied\":\"{name} reduced rate applied: saves {saving} vs the general schedule ({general}). Conditions apply.\",\"reliefsExist\":\"Reduced rates exist here ({names}) but your details do not match the conditions. If your situation changes, ask your gestor.\",\"confirmGestor\":\"Rates are estimates pending confirmation - always confirm with your gestor before committing.\",\"vat\":\"New builds pay IVA at {rate} on the price instead of transfer tax.\",\"ajd\":\"Stamp duty (AJD) on notarised new-build deeds, charged on the taxable base of {base}.\",\"fees\":\"Estimated notary, land-registry and gestoria fees. Actual invoices vary with price and complexity - treat as a guide.\",\"cashToComplete\":\"Total to buy ({invested}) minus your mortgage ({mortgage}). Banks typically lend 60-80% of price depending on residency - see the financing section.\",\"operating\":\"Community fees + IBI + insurance + management + maintenance, divided over 12 months.\",\"imputedRate\":\"Either 1.1% or 2% of the cadastral value: 1.1% where the municipality's values were revised through a general collective valuation (the tax agency applies revisions since 2012 for 2023-2025 income), 2% otherwise. We default to 2% until you confirm - your gestor can tell you which applies.\",\"taxNonEu\":\"As a non-EU resident, AEAT currently taxes your GROSS rent at 24% with no deductions. A 2025 court ruling (under appeal) may allow deductions - both scenarios are shown, and overpaid tax can be reclaimed within 4 years if the ruling stands.\",\"taxResident\":\"Net rental income after a {reduction}% residential-letting reduction, taxed at your estimated {marginal}% marginal IRPF rate.\",\"taxEuNet\":\"EU/EEA non-residents pay IRNR at {rate}% on NET rental income - expenses are deductible. EEA includes Norway, Iceland and Liechtenstein.\",\"reliefLargeFamily\":\"Large family\",\"reliefYou
1ngBuyer\":\"Young buyer\",\"reliefDisability\":\"Disability\",\"reliefVpo\":\"Protected housing (VPO)\",\"itpWhole\":\"{rate} applied to the whole amount of {base}. In this community the rate is set by value tier - crossing a threshold changes the rate on the ENTIRE base, not just the part above it.\",\"imputedBase\":\"The legal base is the valor catastral from the IBI receipt (not the price or the valor de referencia). It is usually a small fraction of market value.\",\"reliefMainResidence\":\"Habitual residence\",\"reliefSmallMainHome\":\"Habitual residence of limited size\",\"vatIgic\":\"In the Canary Islands new builds pay IGIC, not IVA - the general rate is {rate}. Reduced IGIC (5% or 0% for protected / first homes) may apply; confirm with your gestor.\"},\"extensionNudge\":{\"title\":\"Analyse any listing in one click\",\"body\":\"The Chrome extension fills all of this - price, size, rooms, area - straight from the listing page, with no typing.\",\"cta\":\"Add to Chrome - free\",\"dismiss\":\"Dismiss\"},\"fees\":{\"title\":\"The fee, and where it is\",\"lead\":\"How this engagement is actually collected. Yald records three amounts against dates it already holds; your invoices, VAT and books stay with your gestor.\",\"paid\":\"In the bank\",\"outstanding\":\"Owed to you\",\"notInvoiced\":\"Never billed\",\"overdue\":\"Something has been waiting over 30 days.\",\"notInvoicedHint\":\"Agreed, and no invoice has gone out.\",\"mismatch\":\"The agreed fee on this file is {agreed} and these tranches add up to {split}. Neither is corrected automatically - only you know which is right.\",\"colTranche\":\"Tranche\",\"colAmount\":\"Amount (€)\",\"colInvoiced\":\"Invoiced\",\"colPaid\":\"Paid\",\"kind_MANDATE\":\"On the mandate\",\"kind_ARRAS\":\"At the arras\",\"kind_NOTARY\":\"At the notary\",\"kind_OTHER\":\"Other\",\"save\":\"Save\",\"notAccounting\":\"Not accounting: no invoice numbers, no VAT, no ledger. Those are your gestor's, and half-doing them here would make us wrong about your tax.\",\"rollTitle\":\"Across the book\",\"rollOutstanding\":\"Owed to you\",\"rollNotInvoiced\":\"Never billed\",\"rollOverdue\":\"{n} engagements have something over 30 days old\"},\"financing\":{\"title\":\"Financing (optional)\",\"hint\":\"Leave the amount blank for a cash purchase.\",\"principal\":\"Mortgage amount (€)\",\"rate\":\"Interest rate (%)\",\"term\":\"Term (years)\",\"ltvDefaultLabel\":\"Typical loan (% of price)\",\"ltvTitle\":\"How much do banks lend?\",\"ltvTooltip\":\"Banks typically lend {low}%-{high}% of the price (or valuation, if lower) for buyers in your situation. Residents generally get up to 80%; non-residents usually 60-70%. Orientation only - confirm with your bank or broker.\",\"ltvHint\":\"At a typical {ltv}% loan-to-value, a bank might lend around {loan}. You would need roughly {deposit} as a deposit, plus purchase costs (about {costs} as a rough guide).\",\"ltvExceeds\":\"This is above the ~{ltv}% banks typically offer buyers in your situation. Not a limit - just worth checking with your bank or broker early.\",\"introducerNote\":\"We do not arrange financing. Figures are orientation based on typical market practice - your bank or a registered broker will confirm what you can actually borrow.\"},\"footer\":{\"product\":\"Product\",\"analyse\":\"Analyse a listing\",\"account\":\"Account\",\"company\":\"Company\",\"about\":\"About\",\"privacy\":\"Privacy\",\"terms\":\"Terms\",\"cookies\":\"Cookies\",\"disclaimerTitle\":\"Disclaimer\",\"avisoLegal\":\"Aviso legal\",\"disclaimer\":\"Yald provides informational estimates and signposting only - not regulated tax, legal or financial advice. Tax figures are simplified, versioned and dated; confirm with a qualified professional before any commitment.\",\"extension\":\"Browser extension\",\"sellCalc\":\"Seller calculator\",\"allTools\":\"All tools\",\"taxGuides\":\"Tax guides\",\"townGuides\":\"Towns\"},\"format\":{\"perMonth\":\"{amount}/mo\",\"pp\":\"{value} pp\",\"years\":\"{n, plural, one {# year} other {# years}}\",\"notAvailable\":\"not available\",\"example\":\"example\"},\"fx\":{\"title\":\"In your currency\",\"amountLabel\":\"In your currency\",\"proceedsLabel\":\"Your proceeds, in your currency\",\"rateLabel\":\"{currency} per €1\",\"band\":\"A ±{move}% currency swing puts this between {low} and {high} before you complete.\",\"note\":\"Rate as of {date} - edit it to today’s rate from your bank. Orientation on currency exposure, not timing or hedging advice.\",\"cashLabel\":\"Cash to complete, in your currency\",\"perMonth\":\"{amount} / month\",\"monthlyCashflowLabel\":\"Monthly cash-flow, after tax\",\"monthlyCostLabel\":\"Monthly cost of owning it\",\"annualTaxLabel\":\"Spanish tax on the rent, per year\"},\"goodToKnow\":{\"title\":\"Good to know\",\"modelo210\":\"Non-residents self-file Modelo 210 for rental income and imputed income - the tax agency does not send a bill. Imputed income for a year is due by 31 December of the following year.\",\"nie\":\"You will need an NIE (foreigner ID number) before signing the deed, and in practice a Spanish bank account for completion. NIE appointments can take weeks - start early.\",\"lawyerFee\":\"Most foreign buyers engage an independent lawyer (commonly around 1% of price plus IVA) - not included in the fee estimate above.\",\"sellerRetention\":\"If the SELLER is a non-resident, you as buyer must withhold 3% of the price and pay it to the tax agency (Mo
1delo 211) within one month of completion.\",\"arras\":\"Most purchases go through an arras (deposit) contract with ~10% paid weeks before completion - plan the cash timeline, and know that withdrawing usually forfeits it.\",\"derramas\":\"Ask the community administrator about approved derramas (extraordinary levies) - they pass to whoever owns when instalments fall due, and outstanding community debt attaches to the property.\",\"basura\":\"Budget the municipal waste charge (basura) alongside IBI - typically 100-400 euros a year and rising.\",\"mortgageSetup\":\"A mortgaged purchase adds buyer-side setup costs: the valuation (tasacion, roughly 300-600 euros) and any opening fee. The lender pays the mortgage deed taxes and registration since 2019.\",\"insuranceRequired\":\"Lenders require damage (fire) insurance on the mortgaged property for the life of the loan.\",\"newBuildProtections\":\"New builds: stage payments must be secured by bank guarantee or insurance, and the builder carries 10-year structural insurance (seguro decenal). Keep every receipt and guarantee.\",\"touristLet\":\"Short/tourist lets need a regional licence plus a national registry number (mandatory since July 2025) before advertising - without them, holiday-let income projections are fiction. Long-term-let tax rules also differ.\",\"wealthTax\":\"At this price level, check wealth tax (Impuesto sobre el Patrimonio) and the state solidarity tax - regional thresholds start around 500,000-700,000 euros net, and non-residents are taxed on Spanish assets only. Ask your asesor fiscal.\"},\"inputName\":{\"monthlyRent\":\"monthly rent\",\"communityFees\":\"community fees\",\"ibi\":\"IBI\",\"insurance\":\"insurance\",\"maintenance\":\"maintenance\",\"valorReferencia\":\"valor de referencia\",\"mortgage\":\"mortgage details\",\"buyerProfile\":\"buyer profile\",\"valorCatastral\":\"valor catastral (IBI receipt)\"},\"landing\":{\"eyebrow\":\"Spanish property · the real numbers\",\"heroTitlePre\":\"Know the \",\"heroTitleEm\":\"real numbers\",\"heroTitlePost\":\" before you sign.\",\"heroSub\":\"One click from any Idealista, Fotocasa, habitaclia or pisos.com listing. Yald shows the true net-after-tax yield, every purchase cost, and what the property is worth against its own street.\",\"ctaExtension\":\"Get the extension\",\"ctaMicro\":\"Free plan, no card required. Orientation, not tax advice.\",\"faqEyebrow\":\"FAQ\",\"faqTitle\":\"Questions, answered.\",\"faq1Q\":\"Is Yald tax or financial advice?\",\"faq1A\":\"No. Yald is orientation only - it estimates the real after-tax economics of a Spanish property so you can compare deals. Every output carries the rate version, date and disclaimer. Confirm anything before acting with your gestor or asesor fiscal.\",\"faq2Q\":\"How do I get a listing's numbers in?\",\"faq2A\":\"Install the free browser extension, open a listing on a supported Spanish portal, and Yald pre-fills your analysis from the page you're viewing. You can also enter the details by hand - the manual analyser is always free and unlimited.\",\"faq3Q\":\"What do I get with Pro?\",\"faq3A\":\"Four things: the AI deal copilot that answers what-ifs on your own numbers, the shareable bank- and gestor-ready Buyer's Dossier, figures on every portal search result in the extension, and filing-deadline alerts. Everything else stays free, including unlimited analyses, the portfolio, the document vault, the landlord's book and the tax pack. €19/month or €190/year, and a single Dossier is €39 with no subscription.\",\"faq4Q\":\"How accurate are the tax figures?\",\"faq4A\":\"The engine uses the current resident, EU/EEA and non-EU rules, including the dual non-resident scenario, with rates that are versioned and dated. It is a careful estimate for orientation, not a filing - your gestor confirms the final numbers.\",\"faq5Q\":\"Do you store the listings or my data?\",\"faq5A\":\"No listing pages are ever fetched by our servers or stored. The extension reads only facts (price, size, location) from the page you open, and your analyses are private to you or your team. See the privacy policy for detail.\",\"trustEu\":\"Data hosted in the EU (Frankfurt)\",\"trustOrientation\":\"Orientation, not tax advice\",\"revealPortalLabel\":\"The portal says\",\"revealPortalSub\":\"“rentabilidad bruta”\",\"revealRealLabel\":\"You'll actually keep\",\"revealRealSub\":\"net, after Spanish tax\",\"exampleAddress\":\"2-bed apartment · Ruzafa, Valencia\",\"exampleMeta\":\"Resale · 78 m² · Comunidad Valenciana\",\"nonEuHint\":\"Non-EU selected - e.g. UK post-Brexit, US. Taxed at 24% on gross; this is where it bites.\",\"toolsEyebrow\":\"One place, not five\",\"toolsTitle\":\"The five tools every buyer juggles - folded into one.\",\"toolsLead\":\"Today the honest number lives across a portal, a yield calculator, a gestor, a tax adviser, and a spreadsheet. Yald does the whole chain in one pass - and it's the only one that c
1omputes the tax for your status.\",\"toolPortal\":\"Property portal\",\"toolCalculator\":\"Yield calculator\",\"toolGestor\":\"Gestor estimate\",\"toolTaxAdviser\":\"Tax adviser\",\"toolSpreadsheet\":\"Spreadsheet\",\"toolsNewText\":\"one number you can trust\",\"howEyebrow\":\"How it works\",\"howTitle\":\"Three steps to the number that matters.\",\"step1Title\":\"Open a listing\",\"step1Body\":\"On any Idealista, Fotocasa, habitaclia or pisos.com page, click the Yald button. It reads that one page, right there - no scraping, nothing stored.\",\"step2Title\":\"Set your tax status\",\"step2Body\":\"Resident, EU/EEA, or non-EU - asked once, remembered everywhere. It's the one branch that makes the numbers actually correct for you.\",\"step3Title\":\"See the real number\",\"step3Body\":\"True net-after-tax yield, full purchase costs, monthly cash-flow - itemised, with a link on every figure showing exactly how it's calculated.\",\"wedgeFlag\":\"The post-Brexit trap\",\"wedgeTitle\":\"British? Since Brexit, Spain taxes you as non-EU.\",\"wedgeLead\":\"The number-one buyer nationality is often blind to a penalty that can halve a return: 24% on gross rent, no deductions - where an EU/EEA buyer pays 19% on net. Yald surfaces it, and flags the 2025 court ruling that may now let you deduct and reclaim up to four years back.\",\"wedgeNote\":\"A live 2025 Audiencia Nacional ruling may reopen deductions for non-EU landlords. Yald shows both scenarios and a refund estimate - clearly marked “may apply, verify with your gestor.” Never a promise.\",\"wedgeEuWho\":\"EU / EEA resident\",\"wedgeEuRate\":\"19%\",\"wedgeEuBase\":\"on net rent · deductions allowed\",\"wedgeNonEuWho\":\"Non-EU (post-Brexit UK)\",\"wedgeNonEuRate\":\"24%\",\"wedgeNonEuBase\":\"on gross rent · as enforced today\",\"featEyebrow\":\"What you get\",\"featTitle\":\"One property, followed all the way through.\",\"feat1Title\":\"Full purchase costs\",\"feat1Body\":\"ITP by community with its bands and reliefs, valor de referencia, notary, registry, gestoría - the costs the portal yield quietly ignores.\",\"feat2Title\":\"The landlord's book\",\"feat2Body\":\"Amortisation computed rather than forgotten, repairs split from improvements, and the four-year carry-forward nothing else tracks.\",\"feat3Title\":\"Whole flat, rooms, or season\",\"feat3Body\":\"The same property priced three ways - including the reduction a season let does not get, which is where most of the difference actually is.\",\"feat4Title\":\"What is in force today\",\"feat4Body\":\"A dated register of Spanish rental rules. When one lapses it stops flagging on your numbers and changes on the page, in the same edit.\",\"feat5Title\":\"What letting does to your sale\",\"feat5Body\":\"The law removes your amortisation from what the flat cost you, claimed or not. We track it year by year so it is not a surprise at the notary.\",\"feat6Title\":\"A version and a date on every figure\",\"feat6Body\":\"You always know which rules produced the result and when they were last checked. Where the law is unsettled you see both readings, never a false 
1certainty.\",\"audEyebrow\":\"Built for three altitudes\",\"audTitle\":\"Leads the first-timer. Doesn't slow the pro.\",\"tier1Badge\":\"First-timer\",\"tier1Title\":\"“What is this, and what do I do next?”\",\"tier1Body\":\"Often buying across a border for the first time. Explainers on by default, plain language, a hand through steps you didn't know existed.\",\"tier2Badge\":\"Repeat investor\",\"tier2Title\":\"Speed, leverage, no babysitting\",\"tier2Body\":\"Underwrite fast, compare on net terms, dismiss the explainers. A deal lens that thinks about the exit from day one.\",\"tier3Badge\":\"Company\",\"tier3Title\":\"Run a business on top of Yald\",\"tier3Body\":\"Buyer's agents, relocation firms and small funds: a file per client with their own no-login page, their brief screened against every listing you analyse, the purchase timeline, and a report of what your fee actually bought.\",\"priceEyebrow\":\"Pricing\",\"priceTitle\":\"Start free. Upgrade when it's paying for itself.\",\"priceLead\":\"One good analysis can change a €250,000 decision. Try it free; go Pro when you're running numbers on more than the odd listing.\",\"freeName\":\"Free\",\"freePrice\":\"€0\",\"freeSub\":\"to see if the number surprises you\",\"free1\":\"Unlimited analyses, saved and compared\",\"free2\":\"All three tax statuses\",\"free3\":\"Trilingual PDF report\",\"free4\":\"Your properties, documents and tax pack\",\"freeCta\":\"Start free\",\"proName\":\"Pro\",\"proTrial\":\"7-day free trial\",\"proPrice\":\"€19\",\"proPer\":\"/mo\",\"proSub\":\"for the active buyer or landlord\",\"pro1\":\"The AI deal copilot, every month\",\"pro2\":\"Buyer's Dossier for your bank or gestor\",\"pro3\":\"Figures on every portal search result\",\"pro4\":\"Filing deadlines, before they pass\",\"proCta\":\"Go Pro\",\"boundaryTitle\":\"Honest by design - orientation, not advice\",\"boundaryBody\":\"Yald gives you estimates and clear signposting, never regulated tax, legal or financial advice - and says so on every result. Your data lives in the EU (Frankfurt), is yours to export or delete at any time, and we never sell it. For anything binding, we point you to a qualified gestor or asesor fiscal.\",\"ctaTitle\":\"Know your real yield before you buy.\",\"ctaSub\":\"Create a free account and run any Spanish listing through Yald - true after-tax numbers in seconds.\",\"ctaButton\":\"Get early access\",\"footerBlurb\":\"The real yield on any Spanish listing - before you buy. Español · English · Français.\",\"ctaCreateAccount\":\"Create free account\",\"proPriceYearly\":\"€190\",\"proPerYear\":\"/yr\",\"billingMonthly\":\"Monthly\",\"billingYearly\":\"Yearly\",\"yearlySave\":\"2 months free\",\"teamName\":\"For firms\",\"teamPrice\":\"€119\",\"teamPer\":\"/mo, from\",\"teamSub\":\"Unlimited seats. You pay for active clients, not for people.\",\"team1\":\"Everything in Pro, for everyone in the firm\",\"team2\":\"A file per client, with their own page and no login\",\"team3\":\"Their brief screened against every listing you analyse\",\"teamCta\":\"Set up a firm\",\"team4\":\"The purchase step by step, and a report of what your fee bought\",\"teamTiers\":\"Studio €119 up to 10 active clients · Practice €249 up to 30 · Firm €449 up to 100\",\"teamMeter\":\"A client is active while something is happening on their file. Ninety quiet days and they stop counting - their file stays, and stays free.\",\"teamSolo\":\"Studio works for one person or twenty.\",\"teamAi\":\"AI copilot included: 2,000,000 tokens a month on Studio, 5.5M on Practice, 12M on Firm - the bigger the plan, the bigger the share. Roughly 440 questions a month on Studio, 2,600 on Firm. Need more, buy from 50,000 tokens per euro, and bought tokens never expire.\",\"teamAiHow\":\"Tokens are what the model reads and writes. Reading your analysis costs one token per token; writing an answer costs five, because that is what it costs us. A typical question is about 4,500.\",\"teamAiShort\":\"AI copilot included, from 2M tokens a month\",\"teamAiLabel\":\"How the AI is counted\",\"proAi\":\"About 75 copilot questions a month, included. Top-ups if you need more.\",\"freeAi\":\"AI copilot for a week, then by the token from €5\",\"featAll\":\"See all {n} features\"},\"ledger\":{\"title\":\"Analyses\",\"subtitle\":\"Every listing you have run, with the verdict it scored.\",\"untitled\":\"Untitled\",\"filterPlaceholder\":\"Filter by name\",\"filterStatus\":\"Tax status\",\"filterCommunity\":\"Community\",\"filterStage\":\"Stage\",\"clearFilters\":\"Clear filters\",\"shownOf\":\"{shown} of {total}\",\"colDeal\":\"Deal\",\"colClient\":\"Client\",\"colStatus\":\"Status\",\"colStage\":\"Stage\",\"colCashflow\":\"Cashflow / mo\",\"colScore\":\"Score\",\"colSaved\":\"Saved\",\"colProperty\":\"Property\",\"colValue\":\"Value\",\"colExpensesYtd\":\"Expenses YTD\",\"colModelo\":\"Modelo\",\"colYear\":\"Year\",\"colTaxDue\":\"Tax due\",\"selectRow\":\"Select this analysis\",\"staleBadge\":\"Old rates\",\"staleTip\":\"Run on a 
1superseded reference table. Re-run it to see the current figures.\",\"noMatches\":\"Nothing matches those filters.\",\"nSelected\":\"{n} selected\",\"clearSelection\":\"Clear the selection\",\"deleted\":\"{n, plural, one {1 analysis deleted} other {# analyses deleted}}\",\"undo\":\"Undo\",\"stage_SHORTLIST\":\"Shortlist\",\"stage_VIEWING\":\"Viewing\",\"stage_OFFER\":\"Offer\",\"stage_PASSED\":\"Passed\",\"stage_BOUGHT\":\"Bought\",\"stageEmpty\":\"Nothing here yet\",\"vsAsking\":\"vs asking\",\"daysListed\":\"{days} days listed\",\"statusLet\":\"Let\",\"statusNotLet\":\"Not let\",\"nOverdue\":\"{n} overdue\",\"vacantMonths\":\"Vacant {n} mo\",\"rentTitle\":\"Rent \u0026 expenses\",\"rentSubtitle\":\"Every payment across every property, overdue first.\",\"rentOutstanding\":\"{amount} outstanding\",\"taxPacksTitle\":\"Tax packs\",\"taxPacksSubtitle\":\"Every pack you have built, across every property.\",\"deadlinesTitle\":\"Deadlines\",\"deadlinesSubtitle\":\"What is due, when, and for which properties.\",\"rentChartTitle\":\"Rent collected · last 6 months\",\"rentChartAlt\":\"Rent collected against rent due, month by month\",\"collectionRate\":\"{pct}% collected\",\"legendCollected\":\"Collected\",\"legendOutstanding\":\"Outstanding\",\"emptyAnalysesTitle\":\"No analyses yet\",\"emptyAnalysesBody\":\"Save a report and it lands here with its full after-tax breakdown and a verdict you can compare against the rest.\",\"emptyAnalysesCta\":\"Analyse a listing\",\"emptyRentTitle\":\"No rent recorded yet\",\"emptyRentBody\":\"Add a tenancy to a property and Yald builds the payment schedule, then tracks what has come in and what has not.\",\"emptyRentCta\":\"Go to properties\",\"emptyPacksTitle\":\"No tax packs yet\",\"emptyPacksBody\":\"A tax pack gathers a property's year into the figures a Modelo 210 or 100 asks for. Build one from any property.\",\"emptyPacksCta\":\"Go to properties\",\"emptyDeadlinesTitle\":\"No deadlines to show\",\"emptyDeadlinesBody\":\"Deadlines are worked out from your tax position and the properties you own. Add your first property and they appear here.\",\"emptyDeadlinesCta\":\"Add a property\",\"emptyAssignedTitle\":\"Nothing assigned to you\",\"emptyAssignedBody\":\"When a teammate puts your name on a deal it shows up here, so you are not reading the whole team's pipeline to find your own.\",\"emptyAssignedCta\":\"See the team pipeline\",\"emptyClientsTitle\":\"No client labels yet\",\"emptyClientsBody\":\"Label an analysis with who it is for and Yald groups the pipeline by client. It is free text, not a contact record.\",\"emptyClientsCta\":\"Go to analyses\",\"titleFirm\":\"Your firm's anal
1yses\",\"subtitleFirm\":\"Every listing your firm has screened, and who it was for.\"},\"lettingModes\":{\"title\":\"The same flat, let three ways\",\"lead\":\"Room lets and season lets are where the yield went in 2026. Most of what separates them is tax, and most comparisons leave the tax out.\",\"colMode\":\"Let as\",\"colRent\":\"Rent/mo\",\"colReduction\":\"Reduction\",\"colTax\":\"Tax/yr\",\"colAfterTax\":\"After tax/mo\",\"modeWhole\":\"The whole flat\",\"modeRooms\":\"By the room\",\"modeTemporada\":\"By the season\",\"bestChip\":\"Ahead\",\"noReduction\":\"None\",\"breakEvenTitle\":\"What this comparison does not know\",\"breakEvenLead\":\"Every mode above was run at the same running costs, because we will not invent the voids, management and wear that actually separate them. So here is the figure to hold a management quote against:\",\"breakEvenRow\":\"{behind} catches {best} if letting {best} costs more than {amount} a year extra to run.\",\"condRoomsTitle\":\"Rooms keep the reduction, on conditions.\",\"condRooms\":\"The DGT settled this in March 2025: letting by the room does not forfeit the art. 23.2 reduction, provided the letting is not an economic activity and each individual contract shows that room is the tenant's habitual, permanent home. A room let to a student for a term is not that.\",\"condTemporadaTitle\":\"A season let gets no reduction at all.\",\"condTemporada\":\"Season and tourist lets do not meet a permanent housing need, so art. 23.2 never reaches them. It also needs a registration number before any platform may list it, and in most big cities a tourist licence is not currently obtainable.\",\"condDecreeTitle\":\"A draft decree would change both.\",\"condDecree\":\"It would cap a season contract at twelve months with a justified reason, put room lets on five-year terms, and stop the room rents summing to more than the whole flat would let for. It was pulled on 27 July 2026 and has not been approved, so none of it is in the figures above.\",\"notModelled\":\"Not modelled: extra voids between tenants, the management a room let needs, furnishing, turnover cleaning, or a licence you may not be able to get. Orientation, not advice.\",\"formTitle\":\"Compare letting it by the room or the season\",\"formWhy\":\"Leave both blank and nothing changes. Fill either and you get the same flat priced three ways, with the tax difference that most comparisons leave out.\",\"formRooms\":\"Rent per room, monthly\",\"formRoomsHint\":\"One figure per room, separated by commas. Up to twelve.\",\"formTemporada\":\"Season let, monthly average\",\"formTemporadaHint\":\"Averaged over the year you expect to fill, not a peak-month rate.\"},\"manage\":{\"title\":\"Manage your properties\",\"subtitle\":\"Track tenancies, rent and expenses for the properties you let. Orientation, not advice.\",\"deadlinesTitle\":\"Upcoming tax deadlines\",\"deadlinesTeaser\":\"See your Modelo 210 / 100 filing windows and get alerted before they close - included with Pro.\",\"deadlinesUpgrade\":\"Upgrade to Pro\",\"deadlinesNeedProfile\":\"Set your tax residency to see the deadlines that apply to you.\",\"deadlinesNeedProfileCta\":\"Complete your profile\",\"deadlinesEmpty\":\"No upcoming filing deadlines for your profile.\",\"kindRental210\":\"Modelo 210 - rental income {year}\",\"kindImputed210\":\"Modelo 210 - imputed income {year}\",\"kindIrpf100\":\"Modelo 100 - IRPF campaign, income {year}\",\"noteRental210\":\"Filed 1-20 April of the following year (Orden HAC/623/2026; grouped or separate). A new deductible-expense annex applies from 2027 filings.\",\"noteImputed210\":\"For periods not let. Window is 1 April-31 Dec of the following year for 2026 income onward (1 Jan for 2025).\",\"noteIrpf100\":\"Covers rental and imputed income. Campaign opening date varies slightly by year.\",\"deadlineDue\":\"Due {date}\",\"deadlineOpenDays\":\"{days, plural, =0 {Due today} one {Window open - # day left} other {Window open - # days left}}\",\"deadlineOpens\":\"Opens {date}\",\"deadlinesDisclaimer\":\"Orientation, not tax advice. Deadline rules v{version} ({date}) - dates can change and edge cases exist. Confirm with your gestor before filing.\",\"empty\":\"You have not added any properties yet.\",\"addProperty\":\"Add property\",\"newPropertyTitle\":\"New property\",\"backToList\":\"Back to properties\",\"propertyTitle\":\"Name or reference\",\"address\":\"Address\",\"community\":\"Autonomous community\",\"propertyType\":\"Property type\",\"price\":\"Price\",\"sizeM2\":\"Size (m²)\",\"note\":\"Notes\",\"saveProperty\":\"Save property\",\"editProperty\":\"Edit property\",\"deleteProperty\":\"Delete property\",\"deletePropertyWarn\":\"Delete this property and all its management data? This cannot be undone.\",\"tenancy\":\"Tenancy\",\"tenantLabel\":\"Tenant (label)\",\"startDate\":\"Start date\",\"endDate\"
1:\"End date (optional)\",\"monthlyRent\":\"Monthly rent\",\"saveTenancy\":\"Save tenancy\",\"noTenancy\":\"No tenancy recorded yet.\",\"rentLog\":\"Rent log\",\"generateSchedule\":\"Generate rent schedule\",\"noRentYet\":\"No rent yet. Save a tenancy and generate the schedule.\",\"dueDate\":\"Due\",\"amount\":\"Amount\",\"status\":\"Status\",\"markPaid\":\"Mark as paid\",\"markUnpaid\":\"Mark as unpaid\",\"statusPaid\":\"Paid\",\"statusOverdue\":\"Overdue\",\"statusDue\":\"This month\",\"statusUpcoming\":\"Upcoming\",\"expenses\":\"Expenses\",\"addExpense\":\"Add expense\",\"category\":\"Category\",\"categoryOther\":\"Other\",\"description\":\"Description\",\"expenseAmount\":\"Amount\",\"incurredOn\":\"Date\",\"deductible\":\"Deductible (your marker)\",\"deductibleHint\":\"Your own orientation marker. Confirm with your gestor / asesor fiscal.\",\"notDeductible\":\"Not deductible\",\"noExpenses\":\"No expenses recorded.\",\"totalExpenses\":\"Total expenses\",\"deductibleTotal\":\"Deductible total\",\"overdue\":\"overdue\",\"rentStatus\":\"Rent\",\"documents\":\"Documents\",\"uploadDocument\":\"Upload document\",\"deleteDocument\":\"Delete document\",\"noDocuments\":\"No documents yet.\",\"docHint\":\"Private file, served via short-lived links. Max 10 MB.\",\"docErrorSize\":\"File exceeds the 10 MB limit.\",\"docErrorType\":\"File type not allowed.\",\"docErrorUpload\":\"Upload failed. Please try again.\",\"docErrorEmpty\":\"Choose a file.\",\"backToProperty\":\"Back to property\",\"taxPack\":\"Tax pack\",\"taxPackTitle\":\"Annual tax pack\",\"taxYear\":\"Tax year\",\"taxStatusLabel\":\"Tax status\",\"marginalRate\":\"IRPF marginal rate (%)\",\"reductionTier\":\"Reduction applied\",\"recalculate\":\"Recalculate\",\"modelo\":\"Modelo\",\"annualGrossRent\":\"Annual gross rent\",\"deductibleExpenses\":\"Deductible expenses\",\"netBeforeTax\":\"Net before tax\",\"taxPackSaved\":\"Tax pack saved.\",\"saveTaxPack\":\"Save tax pack\",\"savedTaxPacks\":\"Saved tax packs\",\"noSavedTaxPacks\":\"You have not saved any tax packs for this property yet.\",\"deleteTaxPack\":\"Delete tax pack\",\"print\":\"Print / Save as PDF\",\"runAnalysis\":\"Analyse this property\",\"analyses\":\"Analyses\",\"noAnalyses\":\"No analyses for this property yet. Use \\\"Analyse this property\\\" and they will be saved here.\",\"disclaimer\":\"Orientation, not tax or legal advice. Confirm with your gestor / asesor fiscal.\",\"characteristics\":\"Property characteristics\",\"characteristicsHint\":\"Optional. They help sharpen future price and rent estimates.\",\"shareForMarket\":\"Contribute anonymous data to the market\",\"shareForMarketHint\":\"Lets us use this property's aggregated, anonymised data to improve estimates for the area. Individual properties are never shown. You can turn this off any time.\",\"cockpitTitle\":\"Your properties\",\"cockpitSubtitle\":\"The year so far, and the handful of things that need you.\",\"bandAtCost\":\"Portfolio at cost\",\"bandAtCostNote\":\"{count, plural, one {one home} other {# homes}}\",\"bandCollected\":\"Collected this month\",\"bandCollectedNote\":\"of {due} due\",\"bandNet\":\"Net so far this year\",\"bandNetNote\":\"rent collected less costs logged\",\"bandNextFiling\":\"Next filing\",\"bandNextFilingNote\":\"Modelo {modelo}\",\"bandNoFilingNote\":\"nothing scheduled\",\"daysCount\":\"{days, plural, one {# day} other {# days}}\",\"needsYou\":\"Needs you\",\"needsYouOpen\":\"{count} open\",\"needsYouSubtitle\":\"Each one changes a number on this page.\",\"needsYouNoneTitle\":\"Nothing outstanding\",\"needsYouNoneNote\":\"Rent is marked, the papers are in, and no date is close.\",\"taskGo\":\"Open\",\"taskRentLateTitle\":\"Rent is outstanding on {property}\",\"taskRentLateNote\":\"{count, plural, one {One month past due} other {# months past due}}. Mark it the moment the money lands.\",\"taskRentUnscheduledTitle\":\"Months are missing from the rent log on {property}\",\"taskRentUnscheduledNote\":\"{count, plural, one {One month has} other {# months have}} no entry yet. Generate the schedule and they appear.\",\"taskFilingSo
1onTitle\":\"Modelo {modelo} is coming up\",\"taskFilingSoonNote\":\"{days, plural, one {One day left} other {# days left}}. Your gestor files it; we hand you the pack.\",\"taskTenancyEndingTitle\":\"A tenancy ends soon\",\"taskTenancyEndingNote\":\"{days, plural, one {One day to go} other {# days to go}}. Left empty, the home is taxed on imputed income.\",\"taskNoIbiTitle\":\"No IBI receipt for {property}\",\"taskNoIbiNote\":\"IBI on a let home is deductible for {year}. Log it and the estimate moves.\",\"taskNotLetTitle\":\"{property} has no tenant\",\"taskNotLetNote\":\"An empty home is taxed on imputed income for {year}, with nothing coming in.\",\"yearTitle\":\"The year, property by property\",\"yearProperty\":\"Property\",\"yearCollected\":\"Rent collected\",\"yearNet\":\"Net\",\"yearNotLet\":\"not let\",\"perMonth\":\"/mo\",\"legendPaid\":\"paid\",\"legendDue\":\"due\",\"legendLate\":\"late\",\"legendUpcoming\":\"to come\",\"legendNone\":\"no tenant\",\"yearStripLabel\":\"Rent by month\",\"tabsLabel\":\"Property sections\",\"tabOverview\":\"Overview\",\"tabTenancy\":\"Tenancy\",\"tabMoney\":\"Money\",\"tabDocuments\":\"Documents\",\"tabDetails\":\"Details\",\"hubRent\":\"Rent\",\"hubCollected\":\"Collected in {year}\",\"hubCosts\":\"Costs in {year}\",\"hubNet\":\"Net in {year}\",\"chipLet\":\"Let\",\"chipNotLet\":\"Not let\",\"monthRowTitle\":\"Rent, month by month\",\"underwritingTitle\":\"Against what you modelled\",\"underwritingSubtitle\":\"The analysis you ran before you bought, re-read against what actually happened. Money on both sides, annualised from the year so far.\",\"underwritingModelled\":\"You modelled\",\"underwritingActual\":\"Running at\",\"underwritingAhead\":\"{amount} a year ahead of the model. The lines below say where it comes from.\",\"underwritingBehind\":\"{amount} a year behind the model. The lines below say where it went.\",\"underwritingNoAnalysis\":\"No saved analysis is linked to this property, so there is nothing to compare against. Run one from these details and it becomes the baseline this page reads against every year.\",\"underwritingRunOne\":\"Analyse this property\",\"underwritingTooEarly\":\"Too little of the year has passed to annualise honestly. This fills in once three months are behind you.\",\"underwritingFootnote\":\"Net operating income, before tax and before mortgage interest. Actual figures are annualised from the year so far, so they move as the year fills in.\",\"driftLine\":\"Line\",\"driftModelled\":\"Modelled\",\"driftActual\":\"Running at\",\"drift_rent\":\"Rent\",\"drift_community\":\"Community fees\",\"drift_ibi\":\"IBI\",\"drift_insurance\":\"Insurance\",\"drift_management\":\"Management\",\"drift_maintenance\":\"Repairs and upkeep\",\"drift_other\":\"Costs you never modelled\",\"gridSubtitle\":\"A year on one screen. Click a month to settle it.\",\"gridTenancy\":\"Tenancy\",\"gridToggleHint\":\"click to change\",\"gridClickHint\":\"Click a month to mark it paid, or paid by mistake.\",\"gridCollected\":\"Collected in {year}\",\"gridOfContracted\":\"of {amount} contracted\",\"gridOutstanding\":\"Outstanding today\",\"gridLateMonths\":\"{count, plural, one {one month late} other {# months late}}\",\"gridNothingOwing\":\"nothing owing\",\"gridThisMonth\":\"Collected this month\",\"gridNoTenancies\":\"No tenancy covered any part of {year}, so there is nothing to collect. Add one from the property and the year fills in.\",\"gridNotLetTitle\":\"{count, plural, one {One home has no tenant} other {# homes have no tenant}}\",\"gridNotLetBody\":\"An empty home is not free: it is taxed on imputed income for every day it sits without a tenant. Letting it for part of the year usually more than covers that.\",\"taxPositionTitle\":\"Where your {year} tax stands\",\"taxPositionSubtitle\":\"Not a report you generate in January. A number that moves every time you tick a rent or log a cost.\",\"taxPositionPackCta\":\"Prepare the pack\",\"taxPositionFilingAs\":\"Filing as\",\"taxPositionYours\":\"you\",\"taxPositionSameFlats\":\"Same homes, same rent, same costs.\",\"taxPositionComparing\":\"You are looking at the {status} reading, which is not the status on your profile. It is here for comparison.\",\"taxPositionEstimated\":\"Estimated tax on this year's letting\",\"taxPositionBasisNet\":\"{rate}% of what is left after costs\",\"taxPositionBasisGross\":\"{rate}% of the rent, with no costs allowed\",\"taxPositionTaxed\":\"taxed\",\"taxPositionAllowed\":\"{amount} of costs allowed\",\"taxPositionNothingAllowed\":\"nothing is allowed against the rent\",\"taxPositionOfRent\":\"of {amount} rent due\",\"taxPositionRent\":\"Rent due\",\"taxPositionCosts\":\"Costs allowed\",\"taxPositionBase\":\"Taxed on\",\"taxPositionRate\":\"Rate\",\"taxPositionTax\":\"Tax\",\"taxPositionStamp\":\"Rates {version} · effective {date} · filing rules {rules}\",\"taxPositionDisclaimer\":\"An estimate for orientation. It is not tax advice, and we never file anything for you.\",\"taxPositionBreakdown\":\"Where it comes from\",\"taxPositionNothingYet\":\"Nothing is logged against {year} yet, so there is nothing to estimate.\",\"taxPositionWhenTitle\":\"Modelo {modelo}: when, and who\",\"taxPositionWhenBody\":\"The {year} return is due by {date}.\",\"taxPositionWhoFiles\":\"We prepare the workings and the papers. Your gestor files. We never submit anything to the Agencia Tributaria.\",\"statusResident\":\"Spanish resident\",\"statusEu\":\"EU or EEA\",\"statusNonEu\":\"Non-EU\",\"dualTitle\":\"Two numbers are defensible here, and you should know both\",\"dualEnforced\":\"What is enforced today\",\"dualEnforcedNote\":\"The rent taxed in full, with no costs allowed at all. That is the letter of the rule for non-EU landlords.\",\"dualRuling\"
1:\"What the ruling opened up\",\"dualRulingNote\":\"The same rate on the net, after the costs an EU landlord deducts. Argued on {ref}, and claimable back for {years} years.\",\"dualGap\":\"The gap is {amount} on this portfolio alone. It is a live legal question, not a setting: take it to a gestor with the pack, and we hand them both workings side by side.\",\"gapsTitle\":\"How sure is this\",\"gapsNone\":\"nothing open\",\"gapsCount\":\"{count, plural, one {# gap} other {# gaps}}\",\"gapsNote\":\"Each one either replaces a blank with a real figure or moves the estimate in your favour.\",\"gapsCleanNote\":\"Everything this estimate needs is in. It will keep moving as the year fills in.\",\"gapNoStatusTitle\":\"We do not know how you file\",\"gapNoStatusNote\":\"Resident, EU or non-EU changes the rate, the base and the form. Set it once on your account.\",\"gapIbiTitle\":\"No IBI receipt for {property}\",\"gapIbiNote\":\"IBI on a let home is deductible in full for {year}.\",\"gapMonthsTitle\":\"Months missing on {property}\",\"gapMonthsNote\":\"{count, plural, one {One month is} other {# months are}} covered by a tenancy but not in the rent log.\",\"gapNonDeductibleTitle\":\"{amount} left out on {property}\",\"gapNonDeductibleNote\":\"Costs you marked as not deductible. Worth a second look before the return.\",\"gapImputedTitle\":\"{property} was never let\",\"gapImputedNote\":\"It is taxed on imputed income for {year}, which needs its valor catastral from the IBI receipt. We do not estimate it from the price: that overstates it severalfold.\",\"packContentsTitle\":\"What goes in the pack\",\"packRent\":\"Rent due, month by month\",\"packCosts\":\"Every cost, with its invoice attached\",\"packDocs\":\"The papers behind each figure\",\"packEmpty\":\"Empty periods, and what they mean\",\"packRules\":\"The rules and the version used\",\"monthSettled\":\"settled\",\"monthOpen\":\"open\",\"monthOfDue\":\"of {amount} due\",\"monthPaid\":\"In. Receipt ready when you want it.\",\"monthLate\":\"Past due, nothing seen yet.\",\"monthWaiting\":\"Due this month, nothing seen yet.\",\"monthTapHint\":\"Tap a home when the money lands. Tap again if you tapped by mistake.\",\"deadlinesPass\":\"Or buy just this: €{price} for twelve months of filing deadlines on every property you own. No subscription.\",\"deadlinesPassCta\":\"Filing pass · €{price}/year\",\"tabRent\":\"Rent\",\"tabBook\":\"The book\",\"deadlineOpenPacks\":\"Open tax packs\"},\"mortgage\":{\"title\":\"Compare your mortgage options\",\"subtitle\":\"Fixed vs variable vs mixed, with Euribor scenarios and a Banco de España stress test - and the ICO aval joven for under-35 first-home buyers. Orientation, not advice; a broker arranges.\",\"principal\":\"Loan amount (€)\",\"termYears\":\"Term (years)\",\"fixedRate\":\"Fixed rate (%)\",\"euribor\":\"12m Euribor (%)\",\"spread\":\"Variable spread (%)\",\"mixedFixedYears\":\"Mixed: fixed years\",\"mixedFixedRate\":\"Mixed: initial fixed rate (%)\",\"avalJovenToggle\":\"I am under 35 buying my first home (ICO aval joven)\",\"option\":\"Option\",\"rate\":\"Rate\",\"monthly\":\"Monthly\",\"totalInterest\":\"Total interest\",\"fixed\":\"Fixed\",\"varBase\":\"Variable (Euribor today)\",\"varUp\":\"Variable (Euribor +2pp)\",\"varDown\":\"Variable (Euribor -1pp)\",\"mixInitial\":\"Mixed - fixed period\",\"mixReset\":\"Mixed - after reset, on the balance left\",\"stressTitle\":\"Stress test\",\"stressBody\":\"At {rate}% (a Banco de España-style +3pp shock) the fixed payment would be {monthly} - {delta} more a month. Make sure you could still pay it.\",\"avalTitle\":\"ICO aval joven\",\"avalBody\":\"The State guarantees up to 20% of the price (25% for energy-efficient homes) for buyers under 36 with income within the limits, so a bank can lend up to ~100% and you need far less deposit.\",\"avalNote\":\"Conditions apply (income cap, first home, primary residence). Pairs with the under-35 reduced ITP in many regions. Ask a broker - we can introduce you.\",\"note\":\"Payments are estimates on the nominal rate (TIN); the TAE also includes fees and products the bank ties in. Orientation only, not a loan offer or advice.\",\"regi
1onLinkTitle\":\"How much can I borrow to buy in {place}?\",\"regionLinkBody\":\"Start from your salary and savings instead of a loan amount: what banks typically lend, which one limits you, and the taxes that apply {regionIn}.\"},\"nav\":{\"analyse\":\"Analyse a listing\",\"getExtension\":\"Get the extension\",\"extension\":\"Extension\",\"menu\":\"Menu\",\"language\":\"Language\",\"home\":\"Home\",\"homeAria\":\"Yald home page\",\"account\":\"Account\",\"dashboard\":\"Dashboard\",\"analyses\":\"Analyses\",\"manage\":\"Manage\",\"signIn\":\"Sign in\",\"createAccount\":\"Create free account\",\"estimate\":\"Estimate price \u0026 rent\",\"team\":\"Team\",\"howItWorks\":\"How it works\",\"pricing\":\"Pricing\",\"about\":\"About\",\"faq\":\"FAQ\",\"sell\":\"Sell\",\"where\":\"Where to buy\",\"mortgage\":\"Mortgage\",\"vut\":\"Tourist let\",\"tools\":\"Tools\",\"inForce\":\"In force today\",\"features\":\"Features\"},\"negotiation\":{\"title\":\"Negotiation context\",\"headlineAbove\":\"The asking price is {pct} above our estimate\",\"headlineBelow\":\"The asking price is {pct} against our estimate\",\"headlineNoEstimate\":\"What is known about this listing\",\"asking\":\"Asking price\",\"ourEstimate\":\"Our estimate\",\"gap\":\"Difference\",\"onMarket\":\"Advertised for\",\"days\":\"{days} days\",\"alreadyCut\":\"Already reduced by\",\"boundary\":\"Orientation only. Our estimate is built from typical ASKING prices in this area, not from recorded sale prices - both sides of this comparison are advertised prices, so a gap is a starting point for a conversation, not a discount to what the property w
1ould sell for. Not a valuation, not a suggested offer, and no indication that any seller would accept one. Confirm value with a tasador.\",\"signal\":{\"ASKING_ABOVE_BAND\":\"Asking above our range\",\"ASKING_WITHIN_BAND\":\"Asking within our range\",\"ASKING_BELOW_BAND\":\"Asking below our range\",\"LONG_ON_MARKET\":\"On the market a while\",\"VERY_LONG_ON_MARKET\":\"On the market a long time\",\"FRESH_LISTING\":\"Recently listed\",\"ALREADY_REDUCED\":\"Price already reduced\",\"WIDE_ESTIMATE\":\"Our range is wide here\"}},\"nonEu\":{\"title\":\"Two scenarios apply to you\",\"enforced\":\"Enforced today (AEAT): 24% on gross\",\"ruling\":\"May apply (ruling 3630/2025): 24% on net\",\"mayApply\":\"May apply - not final\",\"uncertainty\":\"The 2025 Audiencia Nacional ruling allows deductions but addresses deductions, not the 24% rate. It is under Supreme Court appeal and AEAT still enforces the gross basis today. A precautionary refund may be claimable within a 4-year window - potential only, never guaranteed.\",\"refundWindow\":\"Refund window: {years} years\",\"verify\":\"Confirm with your asesor fiscal.\"},\"nonPayment\":{\"title\":\"If a tenant stops paying\",\"lead\":\"Every yield on this page assumes twelve months of rent from a tenant who pays. This is what it costs when that stops being true. There is no probability here, because nobody knows yours.\",\"stamp\":\"figures {date}\",\"headline\":\"At the typical {months} months, one non-payment costs you {cost} - about {recover} months of this flat's ordinary after-tax profit to earn back.\",\"colScenario\":\"How it goes\",\"colRentLost\":\"Rent lost\",\"colCarry\":\"Costs to carry\",\"colTotal\":\"Total\",\"speedFast\":\"They leave, or the court is quick\",\"speedTypical\":\"The one to plan against\",\"speedSlow\":\"Congested court, defended, or suspended\",\"monthsSuffix\":\"· {months} months\",\"phases\":\"National, not regional: the CGPJ publishes average civil case durations by region but not the time to eviction, so a per-region figure would be this range wearing local clothes. It counts the three to four months most landlords wait before filing, then the courts.\",\"insuranceTitle\":\"Rent-default insurance\",\"insurancePremium\":\"A policy on this rent costs roughly {low} to {high} a year.\",\"insuranceBreakEven\":\"It pays for itself if a non-payment happens more often than once every {years} years. Below that it is a loss, above it, cheap.\",\"insuranceConditions\":\"Insurers screen the tenant before they will write it: payslips, contract, debtor registers, and rent no more than 40-45% of their income. Cover is typically 6 to 18 months, often after an excess month you carry yourself.\",\"excludes\":\"Excludes legal fees and any damage to the property, because those are quotes a lawyer gives and not figures we can derive from your numbers.\"},\"org\":{\"title\":\"Your firm\",\"subtitle\":\"Work on other people’s property: a file per client, their own page with no login, and the brief you screen every listing against.\",\"empty\":\"You do not have a firm workspace yet. Create one below.\",\"createTitle\":\"Create a firm workspace\",\"namePlaceholder\":\"Firm name - your clients see it\",\"create\":\"Create the workspace\",\"invite\":\"Invite\",\"invitePlaceholder\":\"[email protected]\",\"remove\":\"Remove\",\"inviteNote\":\"They do not need an account yet - we will email them a link, and they land in your firm the first time they sign in. Shared analyses become visible to every member.\",\"role\":{\"OWNER\":\"Owner\",\"ADMIN\":\"Manager\",\"MEMBER\":\"Agent\",\"VIEWER\":\"Viewer\"},\"kind\":{\"generic\":\"What you do - a gestoría or a fund also gets rent, deadlines and tax packs\",\"BUYERS_AGENT\":\"Buyer's agent\",\"RELOCATION\":\"Relocation\",\"GESTORIA\":\"Gestoría\",\"FUND\":\"Fund\"},\"shareTitle\":\"Share with a team\",\"shareLead\":\"Make this analysis visible to a team you belong to.\",\"sharePrivate\":\"Private (only me)\",\"shareCta\":\"Share\",\"shared\":\"Shared.\",\"teamPlanActive\":\"Team plan active - {n} seats, every member gets Pro.\",\"teamPlanFree\":\"Free plan. Upgrade to give every member Pro.\",\"upgradeTeam\":\"Subscribe the team\",\"manageTeam\":\"Manage billing\",\"teamBillingSoon\":\"Team billing is not enabled on this environment yet.\",\"billingMonthly\":\"Monthly\",\"billingYearly\":\"Yearly\",\"errorNotConfigured\":\"Teams cannot be created here: this deployment has no SUPABASE_SERVICE_ROLE_KEY. Membership is granted server-side, so that key is required. Add it to apps/web/.env.local locally, or to the environment in Vercel.\",\"errorNoName\":\"Give the workspace a name first. Your clients see it at the top of their page, so use the one they would recognise.\",\"teamPlanActiveTier\":\"{tier} plan. Every member has Pro.\",\"teamPlanActivePlain\":\"Team plan active. Every member has Pro.\",\"tierSeatsNote\":\"Every tier has unlimited seats. The tier is sized on active clients, never on people.\",\"viewBilling\"
1:\"Plan \u0026 billing\",\"tierIncludes_STUDIO\":\"up to 10 active clients\",\"tierIncludes_PRACTICE\":\"up to 30 active clients\",\"tierIncludes_FIRM\":\"up to 100 active clients\",\"tier_STUDIO\":\"Studio\",\"tier_PRACTICE\":\"Practice\",\"tier_FIRM\":\"Firm\",\"tier_UNLIMITED\":\"Unlimited\",\"createWhat\":\"A firm workspace is where you work for other people: a file per client, their own page with no login, and their brief screened against every listing you analyse. It starts with {days} days of everything.\",\"createAfter\":\"After that your first client stays online free forever, and Studio is €{price} a month for up to 10 active clients with unlimited seats.\",\"invitesPending\":\"Invited, not yet joined\",\"inviteRevoke\":\"Take back\",\"invitedSent\":\"Invitation sent. They join your firm the first time they sign in.\",\"invitedJoined\":\"Added. They already had an account.\",\"errorInvitesMissing\":\"The invitation could not be recorded: this deployment has not run packages/db/migrations/2026-08-30-invites.sql yet. Somebody who already has a Yald account can still be added.\",\"seesAllLabel\":\"Sees the whole book\",\"seesAllShort\":\"whole book\",\"seesOwnShort\":\"own clients\",\"warnNoClients\":\"Nobody has been handed to this person yet, so they open the firm on an empty page. Assign them a client, or tick \\\"Sees the whole book\\\".\",\"memberSave\":\"Save\",\"memberSaved\":\"Saved.\",\"errorForbidden\":\"Your role does not allow that. Ask an owner or a manager.\",\"errorLastOwner\":\"A firm needs at least one owner. Make somebody else an owner first.\",\"viewPermissions\":\"Roles \u0026 permissions\",\"permissionsTitle\":\"Roles \u0026 permissions\",\"permissionsLead\":\"What each seat in the firm may create, change and delete. An owner is never restricted, and a viewer never writes.\",\"permissionsSaved\":\"Saved.\",\"permissionsNotReady\":\"Permissions cannot be saved here yet: this database has not had the 2026-09-01 migration applied.\",\"permissionsVisibilityNote\":\"This page is about what people may DO. What each person can SEE is set one by one, on the team page.\",\"permissionsVisibilityLink\":\"Go to the team\",\"permissionsThing\":\"What\",\"permissionsAction_create\":\"Create\",\"permissionsAction_edit\":\"Edit\",\"permissionsAction_delete\":\"Delete\",\"permissionsResource_client\":\"Clients\",\"permissionsResource_deal\":\"Deals\",\"permissionsResource_link\":\"Client links\",\"permissionsResource_request\":\"Requests\",\"permissionsLockedOwner\":\"always everything\",\"permissionsLockedViewer\":\"read-only, always\",\"permissionsSave\":\"Save permissions\",\"permissionsDefaultsNote\":\"Anything you leave as it comes follows Yald’s defaults and moves with them.\",\"assignedTo\":\"Run by {who}\",\"assignedNobody\":\"Not assigned to anyone\",\"assignLabel\":\"Run by\",\"assignNobody\":\"Nobody\",\"assignSave\":\"Save\",\"assignSaved\":\"Saved.\",\"assignNotReady\":\"Assignment is not available here yet: this database has not had the 2026-09-01 migration applied.\",\"assignDealTitle\":\"Whose deal is this?\",\"assignDealLead\":\"Put a colleague’s name on it and it shows up under \\\"Assigned to me\\\" for them.\",\"roleLabel\":\"Role\",\"seesAllByRole\":\"Owners and managers always see the whole book.\",\"languagesLabel\":\"Languages you answer in\",\"languagesSave\":\"Set\",\"setupTitle\":\"Set up the firm\",\"setupLead\":\"Two things go on every document you send: the languages each person here answers in, and the terms you usually offer. Both take a minute and neither is final - you can change them any time, and nothing you have already sent changes with them.\",\"feeDefaultTitle\":\"The terms you usually offer\",\"feeDefaultLead\":\"A starting point for every new proposal, so you are not retyping your own fee. It fills an empty proposal only: anything you have already written for a prospect stays exactly as you wrote it. No validity date and no note are kept here, because those belong to one prospect and should never turn up under another one's name.\",\"feeDefaultNone\":\"No default\",\"feeDefaultScope\":\"What you normally include\",\"feeDefaultCta\":\"Save these terms\",\"feeDefaultSaved\":\"Saved. New proposals will start from these terms.\",\"errorNotMigrated\":\"That could not be saved yet - this workspace is missing a database change. Nothing was lost.\",\"errorFirmLimit\":\"You already own {max, plural, one {# firm} other {# firms}}, which is the most one account can create. Each new firm starts a trial of its own, so ask the owner of an existing firm to invite you, or write to us if you genuinely run more practices.\",\"youJoined\":\"You have joined a firm you were invited to. It is listed below, and in the workspace switcher.\"},\"priceMap\":{\"pageTitle\":\"The price and yield map of Spain\",\"pageIntro\":\"What a square metre asks to buy, what it asks to let, and what the two imply for a landlord - for every region, province and town in Spain, and for the barrios of the cities we price that finely. Free, and orientation rather than advice.\",\"eyebrow\":\"Yald · Spain\",\"t
1itle\":\"What a zone costs, and what it pays back\",\"subtitle\":\"8,031 municipalities and 195 barrios, priced to the square metre. Click any zone.\",\"canvasLabel\":\"Map of Spain coloured by asking price, asking rent or gross yield\",\"loading\":\"Drawing the map…\",\"loadFailed\":\"The map data could not be loaded. Reload the page to try again.\",\"metric\":\"Metric\",\"metric_buy\":\"Buy\",\"metric_rent\":\"Rent\",\"metric_yield\":\"Yield\",\"detail\":\"Detail\",\"auto\":\"Auto\",\"followsZoom\":\"Follows the zoom.\",\"tier_region\":\"Region\",\"tier_province\":\"Province\",\"tier_town\":\"Town\",\"tier_barrio\":\"Barrio\",\"hint_region\":\"17 comunidades autónomas. One average each - the coarsest rung the analyser resolves on.\",\"hint_province\":\"50 provinces. Still an average: a province spans La Moraleja and Parla.\",\"hint_town\":\"8,031 municipalities. Most figures are modelled - each zone card says which.\",\"hint_barrio\":\"Distritos and the barrios inside them. Only those with an official boundary are drawn.\",\"legend_buy\":\"Asking price\",\"legend_rent\":\"Asking rent\",\"legend_yield\":\"Gross yield\",\"unit_buy\":\"€/m²\",\"unit_rent\":\"€/m²/mo\",\"unit_yield\":\"% gross\",\"note_buy\":\"What a square metre asks to buy. The scale rebases to each rung.\",\"note_rent\":\"What a square metre asks to let, per month. Long-let asking levels, not achieved rents.\",\"note_yield\":\"Rent × 12 ÷ asking price. Before costs, vacancy, IBI, community fees and tax - a landlord keeps meaningfully less.\",\"researchedOnly\":\"Researched figures only\",\"searchPlaceholder\":\"Search a town or barrio\",\"searchEmpty\":\"Nothing by that name.\",\"close\":\"Close\",\"zoomIn\":\"Zoom in\",\"zoomOut\":\"Zoom out\",\"resetView\":\"Reset the view\",\"cardBuy\":\"Buy\",\"cardRent\":\"Rent\",\"cardYield\":\"Gross yield\",\"cardYieldNote\":\"before costs \u0026 tax\",\"badgeResearched\":\"Researched figure\",\"badgeModelled\":\"Modelled figure · {confidence} confidence\",\"badgeArea\":\"Area average - a single figure for the whole {tier}\",\"badgeBarrio\":\"Researched barrio\",\"badgeDistrito\":\"Researched distrito\",\"confHigh\":\"high\",\"confMedium\":\"medium\",\"confLow\":\"low\",\"cta\":\"Run the full analysis\",\"sources\":\"Boundaries IGN and © OpenStreetMap contributors · prices\",\"yieldFormula\":\"Gross yield is rent × 12 ÷ asking price, before costs, vacancy and tax.\",\"attribution\":\"Municipal, provincial and regional boundaries: Instituto Geográfico Nacional. Distrito and barrio boundaries: © OpenStreetMap contributors, ODbL. Prices are Yald's own researched and modelled figures.\",\"colTown\":\"Town\",\"colBuy\":\"Buy €/m²\",\"colRent\":\"Rent €/m²\",\"colYield\":\"Gross yield\",\"dearestTitle\":\"The dearest towns we price\",\"dearestBlurb\":\"Researched figures only, so this is a ranking of measured places rather than of estimates. Each links to its own page, with the purchase tax of its community run through the engine.\",\"yieldTitle\":\"The highest gross yields we price\",\"yieldBlurb\":\"The same researched set, ordered by rent against price. A high gross yield is a question worth asking, not an answer - it often marks somewhere hard to let or expensive to hold.\",\"readingTitle\":\"How to read this map\",\"readingGross\":\"Gross yield is rent × 12 ÷ asking price. It is before purchase costs, vacancy, IBI, community fees, insurance, repairs and income tax, and a non-resident landlord keeps meaningfully less again. Treat the colour as a place to start looking, never as a return.\",\"readingModelled\":\"Of the 8,031 municipalities on the map, 495 carry a figure we researched by hand; the rest are modelled from population, income and their neighbours, and every zone card says which it is. The Region and Province rungs are averages by construction - one number for a territory that spans La Moraleja and Parla.\",\"readingAverages\":\"Asking levels are what sellers and landlords advertise, not what changed hands. They move monthly at most, and the date on the map is the vintage of the table behind it.\",\"ctaZone\":\"Analyse a property in {zone}\",\"ctaGeneric\":\"Analyse a property\",\"railCtaTitle\":\"This map is the shortcut, not the answer\",\"railCtaBody\":\"Pick a zone, then run a real property through purchase tax, financing and what a landlord actually keeps.\",\"railCtaButton\":\"Open the free analyser\",\"closingHeading\":\"You have found the area. Now price the flat.\",\"closingBody\":\"A colour tells you what a zone asks. It cannot tell you the transfer tax of that community, the cash you need to complete, or what is left after costs and income tax at your residency. The analyser does all three, free and with no account, and every figure carries the rate version it used.\",\"closingPrimary\":\"Analyse a property\",\"closingSecondary\":\"Create free account\",\"closingNote\":\"No account needed to run an analysis. An account saves them, compares them, and keeps your defaults.\",\"faqHeading\":\"Questions about this map\",\"faq1q\":\"Where does the price data come from?\",\"faq1a\":\"Yald's own area table. 495 municipalities carry a figure researched by hand; the remaining 7,536 are modelled from population, income and neighbouring towns, and every zone card says which it is. Boundaries come from the Instituto Geográfico Nacional, and distrito and barrio outlines from OpenStreetMap.\",\"faq2q\":\"What does gross yield mean here?\",\"faq2a\":\"Rent × 12 ÷ asking price. It is before purchase costs, vacancy, IBI, community fees, insurance, repairs and income tax, and a non-resident landlord keeps meaningfully less again. It is a way to compare areas, not a return you should expect.\",\"faq3q\":\"Which Spanish city barrios are covered?\",\"faq3a\":\"195 distritos and barrios across eleven cities, drawn as real boundaries: Madrid with all 21 distritos and its barrios, Barcelona, Valencia, Málaga, Sevilla, Zaragoza, Bilbao, Alicante, Murcia, Palma and Granada. A barrio with no official boundary is not drawn.\",\"faq4q\":\"Are these sale prices or asking prices?\",\"faq4a\":\"Asking levels - what sellers and landlords advertise, not what changed hands. They move monthly at most, and the date on the map is the vintage of the table behind it.\",\"faq5q\":\"Is it free, and do I need an account?\",\"faq5a\":\"The map is free and needs no account, and so is running a full analysis on a specific property. Two things do need one, and it is free: the browser extension, which signs in to work on a listing page, and saving or comparing your analyses.\",\"keywords\":\"Spain property prices|price per square metre Spain|Spanish property map|rental yield Spain|property prices by municipality|Madrid barrio prices|Barcelona neighbourhood prices|interactive property map\",\"townPageLink\":\"See the full {zone} page\",\"readingGrossTitle\":\"Gross means gross\",\"readingModelledTitle\":\"Researched or modelled\",\"readingAveragesTitle\":\"Asking, not achieved\",\"extTitle\":\"Still searching the portals?\",\"extBody\":\"The free Chrome extension puts the same figures on the listing itself - asking price against the area, the rent it should fetch, and the yield after purchase tax - on Idealista, Fotocasa, habitaclia and pisos.com.\",\"extCta\":\"Add to Chrome, free\",\"extNote\":\"Signs in with a free Yald account. Nothing is scraped: it reads the page you are already looking at.\",\"promoTitle\":\"Take this map to the listings\",\"promoBody\":\"You are comparing areas. The extension does the same job on one flat - on Idealista, Fotocasa, habitaclia and pisos.com - while you browse.\",\"promoExtCta\":\"Add to Chrome, free\",\"promoAccountCta\":\"Needs a free Yald account - create one\",\"promoDismiss\":\"Dismiss\"},\"profile\":{\"title\":\"Set up your profile\",\"lead\":\"Answer once and every anal
1ysis gets sharper. You can skip and finish later.\",\"step_interest\":\"What are you looking to do?\",\"step_tax\":\"Where do you pay tax?\",\"step_about\":\"About you\",\"step_finances\":\"Your finances (optional)\",\"back\":\"Back\",\"next\":\"Next\",\"finish\":\"Finish\",\"saving\":\"Saving…\",\"saved\":\"Saved\",\"save\":\"Save profile\",\"saveFailed\":\"Could not save. Try again.\",\"later\":\"Skip for now\",\"income\":\"Net monthly income (€)\",\"savings\":\"Savings for a purchase (€)\",\"financesHint\":\"Optional - powers affordability and your default financing.\",\"editTitle\":\"Your investor profile\",\"editLead\":\"Saved once, used to pre-fill and sharpen every analysis.\",\"chipLabel\":\"Your profile\",\"chipEdit\":\"Edit\",\"chipSetup\":\"Set up your profile for sharper, more accurate results\",\"communityQuestion\":\"Where are you looking to buy?\",\"communityHintResident\":\"The region of the property - it sets the purchase tax. It can differ from where you live.\",\"communityHintForeigner\":\"The region where the property is - where you pay the Spanish property taxes.\",\"communityHintNeutral\":\"The region of the property - it sets the purchase tax. You can change it per analysis.\"},\"propertyType\":{\"resale\":\"Resale\",\"newBuild\":\"New build\"},\"proposalUi\":{\"back\":\"Back to {name}
1\",\"title\":\"The proposal\",\"lead\":\"What you send a prospect before you have won them: what they asked for, what that market actually costs, what you will do about it, and your fee. The market half writes itself from their brief.\",\"freeToPitch\":\"A prospect costs nothing. Yald bills for clients you are working for, and pitching writes nothing that counts - so pitch as many as you like.\",\"scopeTitle\":\"What you will do\",\"scopeLead\":\"Tick only what you are offering. Nothing is ticked by default, because the list is a promise.\",\"feeTitle\":\"Your fee\",\"feeLead\":\"Stated in full, before they commit. It is the question they are actually comparing between you and the other two agents.\",\"feeKind_RETAINER_SUCCESS\":\"Retainer + success\",\"feeKind_FLAT\":\"Flat fee\",\"feeKind_PERCENT\":\"Percentage\",\"fieldRetainer\":\"On engagement (€)\",\"fieldFlat\":\"Flat fee (€)\",\"fieldSuccess\":\"On completion (€)\",\"fieldPct\":\"On completion (%)\",\"fieldDuration\":\"Search runs for (months)\",\"fieldValid\":\"Offer valid until\",\"fieldNote\":\"Anything else they should know\",\"save\":\"Save the proposal\",\"savedNote\":\"Saved.\",\"sendTitle\":\"Send it\",\"summaryFirm\":\"They will read a total of {total}.\",\"summaryEstimated\":\"They will read an estimated {total}, on the budget in their brief.\",\"expiredWarn\":\"This proposal lapsed on {date}. Change the date before you send it.\",\"notSendable\":\"Tick at least one service and state a fee, or the document is a letterhead.\",\"open\":\"Open the PDF in {locale}\",\"markSent\":\"Mark as sent\",\"markUnsent\":\"Not sent after all\",\"sentOn\":\"Sent {date}\",\"convertLead\":\"They said yes? Making them a client starts the engagement - and the billing.\",\"convert\":\"They accepted, make them a client\",\"errInvalid\":\"Something in that form was not valid. Check the fee and the dates.\",\"noBudget\":\"There is no budget in this brief yet, so the document cannot show what this market costs - which is the half that does the persuading.\",\"noBudgetCta\":\"Write the brief\",\"scope_BRIEF\":\"Write the brief down\",\"scopeMeans_BRIEF\":\"Your requirements in writing, and every property judged against them - so a constraint you set is a constraint that exists.\",\"scope_SEARCH\":\"Search the market\",\"scopeMeans_SEARCH\":\"Portals, agencies and our own network, filtered to what you actually asked for.\",\"scope_OFF_MARKET\":\"Off-market search\",\"scopeMeans_OFF_MARKET\":\"Owners and agents with property not yet listed, where the competition is thinnest.\",\"scope_SCREEN\":\"Screen and reject, with reasons\",\"scopeMeans_SCREEN\":\"You see what was rejected and why, not only the shortlist. That record is the work.\",\"scope_VISIT\":\"Visit and report\",\"scopeMeans_VISIT\":\"We go, photograph and write it up, so you travel for the ones worth travelling for.\",\"scope_VALUATION\":\"Check the asking price\",\"scopeMeans_VALUATION\":\"What the property is worth against its own street, before you make an offer.\",\"scope_NEGOTIATE\":\"Negotiate\",\"scopeMeans_NEGOTIATE\":\"The price and the terms, representing you alone and never the seller.\",\"scope_DUE_DILIGENCE\":\"Pre-purchase checks\",\"scopeMeans_DUE_DILIGENCE\":\"Nota simple, charges, community debts and any derrama voted but not yet billed.\",\"scope_NOTARY\":\"Accompany to the notary\",\"scopeMeans_NOTARY\":\"Reading the deed, checking the figures and being in the room on the day.\",\"scope_AFTERCARE\":\"After the purchase\",\"scopeMeans_AFTERCARE\":\"Utilities, the cadastral change and your first tax filing.\",\"cta\":\"Proposal\"},\"purpose\":{\"question\":\"What's this property for?\",\"mainResidence\":\"To live in\",\"secondResidence\":\"Second home\",\"investment\":\"Investment\",\"totalToBuy\":\"Total cost to buy\",\"purchaseCosts\":\"Purchase costs\",\"totalInvested\":\"Total invested\",\"monthlyCost\":\"Monthly cost\",\"annualCost\":\"Annual cost\",\"costOfOwnership\":\"Cost of ownership\",\"imputedIncomeTax\":\"Imputed income tax\",\"imputedIncomeNote\":\"You pay this even if the property sits empty. The legal base is the ca
1dastral value from the IBI receipt; confirm the applicable rate with your gestor.\",\"monthlyMortgage\":\"Mortgage (monthly)\",\"monthlyOperating\":\"Operating costs (monthly)\",\"monthlyTotal\":\"Monthly total\",\"annualTotal\":\"Annual total\",\"imputedBase\":\"Reference/cadastral base\",\"imputedRate\":\"Imputed-income rate\",\"imputedAmount\":\"Imputed income\",\"imputedTaxRate\":\"Tax rate applied\",\"imputedBaseCatastral\":\"Cadastral base (valor catastral)\",\"imputedBaseProxy\":\"Base (PROXY - not the real cadastral value)\",\"imputedProxyWarning\":\"This figure is computed on a stand-in base (your price or reference value) because no valor catastral was given. The real base - the cadastral value on the IBI receipt - is usually MUCH lower, so the actual tax is likely lower. Add the valor catastral above for an accurate figure.\"},\"rateStamp\":\"Rates {version} · effective {date}\",\"reductionTier\":{\"STANDARD\":\"General (50%)\",\"REHAB_2Y\":\"Rehabilitated in last 2 years (60%)\",\"STRESSED_FIRST_LET_YOUNG\":\"Stressed area - first let to 18-35 tenant (70%)\",\"STRESSED_RENT_REDUCED\":\"Stressed area - rent cut over 5% (90%)\",\"PRE_26_MAY_2023\":\"Contract signed before 26 May 2023 (60%)\",\"NONE_TOURIST_SEASONAL\":\"Tourist or seasonal let - no reduction (0%)\"},\"referral\":{\"mortgageTitle\":\"Financing this purchase?\",\"mortgageLead\":\"We can introduce you to a regulated mortgage broker who works with non-resident and resident buyers in Spain.\",\"mortgageCta\":\"Introduce me to a broker\",\"mortgageThanks\":\"Thanks - we'll be in touch to make the introduction. No obligation.\",\"introducerNote\":\"Yald is an introducer only. We do not advise on, arrange or provide finance; the broker is independently regulated. Orientation, not advice.\",\"error\":\"Something went wrong. Please try again.\",\"filingTitle\":\"Reclaim overpaid non-resident tax?\",\"filingLead\":\"As a non-EU landlord you may be paying 24% on gross where the 2025 ruling allows 24% on net. We can introduce you to a licensed filer to submit your Modelo 210 and pursue the refund.\",\"filingCta\":\"Introduce me to a filer\",\"filingNote\":\"Yald is an introducer only. We never file, submit or advise; the filer is independently licensed. Orientation, not advice.\"},\"regFlag\":{\"title\":\"Regulatory notes\",\"source\":\"Official source\",\"note\":\"Orientation flags only, not legal advice. Rules change - confirm with the official register / your lawyer.\",\"flagRentCap\":\"This municipality is a declared stressed rental zone ({resolution}), so a new letting is subject to the reference-index rent cap and stricter rules. Rent updates on existing contracts are capped at 2% for 2026-27.\",\"flagEpbd\":\"The energy certificate is low (E/F/G). There is no Spanish rental or sale ban tied to the rating, and none is scheduled - the EU directive sets a decarbonisation trajectory to 2050, not a minimum-rating letting restriction. Budget for a possible renovation, not a ban.\",\"flagVpo\":\"This may be protected housing (VPO). While it stays qualified it typically carries a maximum sale and rental price, administrative authorisation to transfer it, income limits for the buyer or tenant, and pre-emption and buy-back rights (tanteo y retracto) for the administration. How long protection lasts, and whether it can be de-qualified, is set by your autonomous community - and the property’s own qualifying act governs: verify before committing.\",\"flagCoastal\":\"This property may be near the public maritime-terrestrial domain (Ley de Costas). Use restrictions and concession risk depend on the official deslinde - verify with the Servicio Periférico de Costas.\",\"flagVpoConditional\":\"This may be protected housing (VPO). In the Canary Islands the régimen is conditional: the administration’s pre-emption and buy-back rights only exist where public aid exceeded 15% of the price, and the prior authorisation to transfer can be avoided by repaying that aid plus interest. A maximum price and income limits usually still apply. Verify the specific régimen and the property’s qualifying act with the community before committing.\"}
1,\"rentCap\":{\"title\":\"Your yield assumes a rent you may not be allowed to ask\",\"lead\":\"This flat is in a declared stressed zone, where the rent on a new contract is set by a reference index rather than by the market. The index answers per address, so the only way to know your number is to look it up - we will not guess it for you.\",\"headroom\":\"The cap would have to come in \u003cstrong\u003ebelow {floor} a month\u003c/strong\u003e, {pct} under the rent you entered, before this stops being the deal it looks like now.\",\"noFloor\":\"This deal survives a rent 30% below the one you entered, so a cap is unlikely to be what decides it. Look the figure up anyway before you offer.\",\"colIfCapped\":\"If the cap lands at\",\"colMonthly\":\"Monthly\",\"colYield\":\"Net yield\",\"stepLabel\":\"{pct}% below - {rent}/mo\",\"breakEven\":\"Below {rent} a month the flat costs you money every month, whatever the yield says.\",\"ctaSerpavi\":\"Look up your cap (SERPAVI)\",\"ctaIrpl\":\"Catalan index (IRPL)\",\"thenWhat\":\"Come back with the figure and put it in the rent box above, and every number on this page re-runs at the rent you may actually charge.\"},\"result\":{\"title\":\"Your estimated after-tax economics\",\"purchaseCosts\":\"Purchase costs\",\"taxBase\":\"Tax base (max of price, valor de referencia)\",\"transferTax\":\"Transfer tax (ITP)\",\"vat\":\"VAT (IVA)\",\"stampDuty\":\"Stamp duty (AJD)\",\"notary\":\"Notary\",\"registry\":\"Registry\",\"gestoria\":\"Gestoría\",\"fees\":\"Fees\",\"total\":\"Total costs\",\"totalInvested\":\"Total invested (price + costs)\",\"cashToComplete\":\"Cash to complete\",\"yields\":\"Yields\",\"grossYield\":\"Gross yield\",\"netYieldBeforeTax\":\"Net yield (before tax and financing)\",\"netYieldAfterTax\":\"Net yield (after tax, before financing)\",\"cashflow\":\"Monthly cash-flow\",\"monthlyBeforeTax\":\"Before tax\",\"monthlyAfterTax\":\"After tax\",\"cashflowTaxNote\":\"Tax is charged on your taxable rental income (rent minus deductible costs), not on your cash-flow. Because mortgage capital repayment is not deductible, tax can apply - and push monthly cash-flow further down - even when cash-flow is already negative.\",\"cashflowTaxNoteNonEu\":\"As a non-resident you are taxed on rental income with limited or no deductions (24% on gross under the enforced scenario), and mortgage capital is never deductible - so tax applies on the rent even when your monthly cash-flow is negative, pushing it further down.\",\"tax\":\"Spanish rental tax\",\"taxableBase\":\"Taxable base\",\"rate\":\"Rate\",\"taxDue\":\"Tax due (annual)\",\"print\":\"Print / Save as PDF\",\"perMonth\":\"/mo\",\"heroMonthlySub\":\"mortgage {mortgage} + running costs {running}\",\"heroMonthlyEmpty\":\"Add your mortgage and running costs for a fuller monthly picture.\",\"heroSecondSub\":\"plus {tax} a year in imputed income tax - even if it sits empty\",\"heroYieldSub\":\"about {net} a year after tax on {invested} invested\",\"cashNeeded\":\"Cash needed\",\"showDetail\":\"Show full detail\",\"hideDetail\":\"Hide detail\",\"completeness\":\"Estimate based on {n} of {m} optional inputs.\",\"completenessAdd\":\"Add {fields} for a sharper result.\",\"rentEstimateTitle\":\"Estimated market rent\",\"confidenceLabel\":\"Confidence\",\"rentEstimateNote\":\"Range from the area price per m2 adjusted for this property. A wider range means less certainty - add detail (or an actual rent) to narrow it. The analysis uses the median; edit the rent in assumptions.\",\"confHigh\":\"high\",\"confMedium\":\"medium\",\"confLow\":\"low\",\"fairValueTitle\":\"Typical asking price here (est.)\",\"vsAsking\":\"vs asking\",\"confidenceTip\":\"Confidence in this estimate. A wider low-high range means less certainty - add detail (or an actual figure) to narrow it.\",\"vatIgic\":\"IGIC (Canary Islands)\",\"deductionsHeading\":\"Taxable rental result\",\"grossAnnualRent\":\"Gross annual rent\",\"deductibleExpenses\":\"Deductible expenses\",\"financeInterest\":\"Mortgage interest (year 1)\",\"financeInterestTip\":\"Only the interest part of the mortgage is deductible (never the capital), and it declines each year. Interest plus repairs cannot exceed the gross rent; any excess is deferred to the next 4 years.\",\"amortisation\":\"Building amortisation (3%)\",\"amortisationTip\":\"3% per year of the construction share (land excluded) of the greater of the acquisition cost or the valor catastral - usually the single largest deduction.\",\"furnitureAmortisation\":\"Furniture amortisation (10%)\",\"netBeforeTax\":\"Net before tax\",\"amortisationNotComputed\":\"Add your construction share of the property value to include the 3% building amortisation - often the biggest deduction. There is no default: use your Catastro split (valor catastral construcción / total, on your IBI receipt) or, for a new-build with 
1no valor catastral yet, the land/construction split in your escritura.\",\"amortisationCgtNote\":\"Amortisation reduces your tax now, but it lowers the acquisition value used when you sell - so part of the benefit is deferred into the capital-gains tax later, not removed.\",\"offsetNote\":\"This let runs at a tax loss. For a Spanish resident that negative result offsets your other income, so the figure shown is a saving. Confirm with your gestor.\",\"vacancyTitle\":\"Empty-period tax (imputed income)\",\"vacancyImputedIncome\":\"Imputed income for {days} vacant days\",\"vacancyRate\":\"Imputation rate\",\"vacancyNote\":\"For the days the property is not let, Spain taxes a deemed income on the valor catastral (art. 85 LIRPF). This is included in your after-tax figures. Confirm the exact days with your gestor.\",\"vacancyProxyNote\":\"Estimated from the price - it OVERSTATES the real figure. Add your valor catastral (on your IBI receipt) for the correct empty-period tax. For the days the property is not let, Spain taxes a deemed income (art. 85 LIRPF).\",\"cappedExcessNoteResident\":\"{amount} of interest + repairs is above this year’s rent. Under IRPF it is not lost - it is deductible over the next 4 years.\",\"cappedExcessNoteIrnr\":\"{amount} of interest + repairs is above this year’s rent. Position: it carries forward to the next 4 years (IRPF parity via art. 24.6 TRLIRNR) - no DGT/TEAC ruling is directly on point, and your filing choice may matter, so confirm with your adviser.\",\"wealthTaxTitle\":\"Wealth tax may apply\",\"wealthTaxBody\":\"Your net Spanish wealth here is over €700,000, which may attract annual wealth tax (Impuesto sobre el Patrimonio). Whether you pay - and how much - depends on the region and your other Spanish assets. Confirm with your gestor.\",\"wealthTaxSolidarity\":\"Your net Spanish wealth here is over €3M, which may attract wealth tax (IP) and the permanent solidarity tax (ITSGF), subject to a combined 60% ceiling. It depends on the region and your total Spanish assets. Confirm with your gestor.\",\"detailSectionTitle\":\"The numbers in detail\",\"printBusy\":\"Preparing…\",\"tier_STRONG\":\"Strong\",\"tier_BALANCED\":\"Balanced\",\"tier_STRETCHED\":\"Stretched\"},\"scenarios\":{\"title\":\"What if?\",\"lead\":\"Move the levers and watch the numbers respond. Pin the scenarios you want to compare.\",\"baseRow\":\"Your current assumption\",\"reset\":\"Reset\",\"updating\":\"Updating...\",\"pin\":\"Pin\",\"unpin\":\"Remove\",\"pinFull\":\"You have reached the maximum pinned scenarios\",\"pinLimit\":\"The free plan pins {n} scenarios at a time. Pro pins up to 8.\",\"upgradeCta\":\"Pin more with Pro\",\"error\":\"We could not recalculate. Please try again.\",\"note\":\"Scenarios, not forecasts. The loan amount stays as arranged, so a price change shifts your LTV but not the monthly payment. Same engine, rate version and date as your analysis.\",\"lever\":{\"monthlyRent\":\"Rent\",\"price\":\"Price\",\"mortgageRatePct\":\"Rate\"},\"desc\":{\"rent\":\"Rent {delta}\",\"price\":\"Price {delta}\",\"rate\":\"Rate {delta} pt\"},\"col\":{\"scenario\":\"Scenario\",\"netYield\":\"Net yield\",\"cashflow\":\"Monthly cashflow\",\"cashNeeded\":\"Cash needed\"},\"flipTitle\":\"How far would it have to move?\",\"flipPrice\":\"At about {value} the numbers turn strong\",\"flipRent\":\"At about {value}/mo rent the numbers turn strong\"},\"seller\":{\"title\":\"What will you walk away with?\",\"subtitle\":\"Estimate your net proceeds from selling a Spanish property - capital gains, plusvalía and the 3% non-resident retention. Every figure is a floor: you can only do better. Orientation, not advice.\",\"taxStatus\":\"Where do you pay tax?\",\"salePrice\":\"Sale price (€)\",\"sellingCosts\":\"Selling costs (agent, legal) (€)\",\"mortgageOutstanding\":\"Mortgage to cancel (€)\",\"saleDate\":\"Sale / signing date\",\"acquisitionSection\":\"What you paid\",\"acquisitionPrice\":\"Purchase price (€)\",\"acquisitionCosts\":\"Purchase taxes + fees (€)\",\"acquisitionDate\":\"Purchase date\",\"improvements\":\"Capital improvements (€)\",\"accumulatedAmortisation\":\"Amortisation claimed while let (€)\",\"amortisationHint\"
1:\"If you let the property, the amortisation you deducted lowers your purchase value and raises the gain. Leave blank if you never let it. Ask your gestor for the figure - it need not be 3% (STS 1502/2025).\",\"plusvaliaSection\":\"Plusvalía municipal (land value)\",\"cadastralLandValue\":\"Cadastral land value (€)\",\"landSharePct\":\"Land share of value (%)\",\"plusvaliaHint\":\"On your IBI receipt (valor catastral del suelo). We show the tax at the statutory maximum - your ayuntamiento cannot charge more, and may charge less.\",\"wasHabitualResidence\":\"This was my own home (habitual residence)\",\"reinvestedProceeds\":\"Proceeds reinvested in a new home (€)\",\"over65\":\"I am over 65\",\"reliefHint\":\"Main-residence reliefs need the property to have been your own habitual residence (3+ years). A pure investment property does not qualify. Reinvestment relief is available to residents and EU/EEA sellers; the over-65 exemption to residents only.\",\"calculate\":\"Estimate my net proceeds\",\"calculating\":\"Calculating…\",\"placeholder\":\"Fill in the sale and purchase details to see your estimated net proceeds.\",\"atLeastLabel\":\"You keep at least\",\"floorNote\":\"A floor: plusvalía is shown at its statutory maximum and reliefs you may qualify for could raise this. Confirm the exact plusvalía with your ayuntamiento and the gain with your gestor.\",\"netAtCompletion\":\"Cash at completion\",\"completionNote\":\"As a non-resident, the buyer holds back 3% (Modelo 211) and the plusvalía at signing; you reclaim any overpaid 3% by filing Modelo 210 within ~4 months.\",\"breakdown\":\"The breakdown\",\"gain\":\"Capital gain\",\"exemptGain\":\"Exempt ({reliefs})\",\"cgtDue\":\"Capital-gains tax\",\"plusvaliaCeiling\":\"Plusvalía municipal (ceiling)\",\"plusvalia\":\"Plusvalía municipal\",\"plusvaliaNotDue\":\"Not due (no land gain)\",\"plusvaliaAddLand\":\"Add your land value\",\"retention3\":\"3% retention (Modelo 211)\",\"finalNet\":\"Net proceeds (at least)\",\"plusvaliaCeilingNote\":\"Plusvalía is at the statutory maximum coefficient and the 30% rate ceiling. Your ayuntamiento sets the exact figure and it is usually lower.\",\"plusvaliaMissingNote\":\"Plusvalía municipal is not included - add your cadastral land value and land share to see it. Your true proceeds are lower than shown until you do.\",\"
1interstitialTitle\":\"Signing soon? Take this to a gestor.\",\"interstitialBody\":\"Your sale date is within 30 days. This estimate is a floor, not a filing - the exact plusvalía, amortisation recapture and any relief need a professional before you sign. We can introduce you to one.\",\"rateStamp\":\"Rates v{version} · {date} · estimate, not advice\",\"dt9Section\":\"Bought before 1995 (DT 9ª abatement)\",\"dt9AcquisitionDate\":\"Purchase date\",\"dt9Prior\":\"DT 9ª already used since 2015 (€ sale value)\",\"dt9Hint\":\"Property bought before 31 Dec 1994 gets a reduction on the gain accrued up to 20 Jan 2006. It is capped at €400,000 of sale value across all assets you have applied it to since 2015 - enter what you have already used.\",\"dt9Teaser\":\"Bought before 1995? The DT 9ª abatement can cut the tax on your gain substantially. Available with Pro.\",\"dt9Abatement\":\"DT 9ª abatement ({pct}%)\",\"dt9DualNote\":\"This assumes the DT 9ª €400,000 cap you entered. If you have already used the full cap elsewhere, the tax would be {exhausted} instead - confirm your prior use with your gestor.\"},\"taxStatus\":{\"resident\":\"Resident in Spain (IRPF)\",\"euEea\":\"EU / EEA non-resident (IRNR 19% on net)\",\"nonEu\":\"Non-EU non-resident (IRNR 24% on gross)\"},\"taxStatusShort\":{\"resident\":\"Resident\",\"euEea\":\"EU / EEA\",\"nonEu\":\"Non-EU\"},\"team\":{\"assignedTitle\":\"Assigned to me\",\"assignedSubtitle\":\"The deals with your name on them.\",\"clientsPageTitle\":\"Clients\",\"clientsPageSubtitle\":\"The pipeline grouped by who each deal is for.\",\"clientsTitle\":\"Busiest clients\",\"clientDeals\":\"{n, plural, one {1 deal} other {# deals}}\",\"clientLive\":\"{n} live\",\"clientBest\":\"Best\",\"tileLive\":\"Deals live\",\"tileLiveSub\":\"across {labels} labels\",\"tileAssigned\":\"Assigned to me\",\"tileAssignedSub\":\"your share of the pipeline\",\"tileThisMonth\":\"Analysed this month\",\"t
1ileThisMonthSub\":\"team-wide\",\"tileOffer\":\"Reached offer\",\"tileOfferSub\":\"{pct}% of live deals\",\"tileMedian\":\"Median net after tax\",\"tileMedianSub\":\"live deals, team-wide\",\"activityTitle\":\"Latest analyses\",\"activityAll\":\"All\",\"activityEmpty\":\"Nothing saved yet.\",\"seatsTitle\":\"Seats\",\"seatsManage\":\"Manage the team\",\"seatsRoleNote\":\"Owners and admins see this panel. Members do not.\",\"seatsUsedLabel\":\"seats in use\",\"billingTitle\":\"Billing \u0026 seats\",\"billingSubtitle\":\"Your team plan and how many seats it covers.\",\"billingNoAccess\":\"Only an owner or an admin can manage billing.\",\"planTitle\":\"Plan\",\"planClients\":\"Clients\",\"planNone\":\"Free\",\"planSeats\":\"Unlimited seats · {members} in the firm\",\"billActive\":\"Active clients\",\"billTier\":\"Tier\",\"billSeats\":\"Seats\",\"billSeatsValue\":\"Unlimited\",\"billSeatsNote\":\"{members} in the firm, and adding one costs nothing\",\"billOverCap\":\"{count} active clients on {tier}, which includes fewer. {needed} is the tier that covers it - nothing is blocked in the meantime.\",\"billMeterStamp\":\"A client counts while something has happened on their file in the last {days} days. Meter {version}. This is the number your invoice is measured on.\",\"billOpenClients\":\"See the clients counted\",\"tier_STUDIO\":\"Studio\",\"tier_PRACTICE\":\"Practice\",\"tier_FIRM\":\"Firm\",\"tier_UNLIMITED\":\"Unlimited\",\"aiTitle\":\"AI copilot\",\"aiPeriod\":\"{period}\",\"aiOfMonth\":\"of {total} tokens this month\",\"aiRemaining\":\"About {n} more questions this month, at your average of {avg} tokens each.\",\"aiNoneYet\":\"Nobody has asked the copilot anything yet this month.\",\"aiCredits\":\"{amount} bought tokens, which never expire.\",\"aiSpent\":\"This month's tokens are used up. Buy more below, or the allowance resets at the start of next month.\",\"aiUncapped\":\"Your plan has no token cap.\",\"aiTopupSoon\":\"Top-ups are not enabled on this environment yet.\",\"aiStamp\":\"Measured on what each answer actually cost, not on how many were asked. Rates {version}, packs {packs}.\",\"aiTopupTitle\":\"Buy more AI\",\"aiTopupIntro\":\"Bigger packs cost less per euro of usage, down to a floor. Credits never expire.\",\"aiPackGrant\":\"{grant} tokens\",\"aiPackBetter\":\"{pct}% better value\",\"aiPackNote\":\"One-off purchase. Nothing recurring, and nothing is ever charged automatically.\",\"aiDetail\":\"What this is made of\",\"aiDetailIn\":\"Input tokens this month\",\"aiDetailOut\":\"Output tokens this month\",\"aiDetailAsked\":\"Questions asked\",\"aiDetailSpent\":\"Billable tokens used\",\"aiHowCounted\":\"Reading costs one token per token; writing an answer costs {weight}, because that is what it costs us. Billable tokens are the two added together.\"},\"trial\":{\"label\":\"Pro trial\",\"status\":\"{days} days left · {ai} AI questions remaining\",\"upgrade\":\"Upgrade to keep Pro\"},\"vut\":{\"title\":\"Tourist rental: does it beat a long let?\",\"subtitle\":\"Model the real economics of a short-stay let - nightly rate, occupancy, platform and cleaning fees, management - and the tax on your status. Orientation, not advice. Check the licence rules for your city before you count on it.\",\"taxStatus\":\"Where do you pay tax?\",\"adr\":\"Average nightly rate (€)\",\"occupancy\":\"Occupancy (%)\",\"avgStay\":\"Average stay (nights)\",\"platformFee\":\"Platform fee (%)\",\"cleaning\":\"Cleaning per stay (€)\",\"management\":\"Management (% of revenue)\",\"fixedCosts\":\"Annual fixed costs (€)\",\"marginal\":\"Your IRPF marginal rate (%)\",\"hotelServices\":\"I provide hotel-type services (cleaning during the stay, meals, laundry) or a full-time employee\",\"hotelServicesHint\":\"Leave off for a normal holiday let. Ticking it means the income is an economic activity (10% IVA, quarterly returns, permanent establishment) - a different tax flow we flag rather than compute.\",\"calculate\":\"Calculate\",\"calculating\":\"Calculating…\",\"placeholder\":\"Enter the nightly rate, occupancy and costs to see the net after tax.\",\"netAfterTaxLabel\":\"Net after tax (per year)\",\"nightsNote\":\"Based on {nights} nights booked a year.\",\"breakdown\":\"The breakdown\",\"gross\":\"Gross revenue\",\"net\":\"Net operating income\",\"taxDue\":\"Tax\",\"taxNote\":\"Tourist lets get NO letting reduction. Non-EU is taxed at 24% on gross; EU/EEA 19% on net; residents at your marginal rate. Confirm with your gestor.\",\"peTitle\":\"Hotel services = economic activity\",\"peBody\":\"W
1ith hotel-type services this is not a normal rental - it is an economic activity taxed through a permanent establishment (IAE 685, 10% IVA, quarterly Modelo 303). The economics above still hold; the tax shown does not apply. Speak to your gestor.\",\"rateStamp\":\"Rates v{version} · {date} · estimate, not advice\",\"city\":\"City\",\"cityOther\":\"Other / not listed\",\"city_barcelona\":\"Barcelona\",\"city_madrid\":\"Madrid\",\"city_malaga\":\"Málaga\",\"city_valencia\":\"Valencia\",\"city_palma\":\"Palma\",\"city_alicante\":\"Alicante\",\"licenceTitle\":\"Licence feasibility\",\"licenceNational\":\"Habilitation is now through the autonomic register only (the state register was annulled, STS 620/2026); platforms delist unregistered ads. Authorising tourist use needs a 3/5 majority of the community of owners (LO 1/2025). Existing licences generally survive a moratorium, but a change of ownership can forfeit the right in some cities.\",\"licenceAsOf\":\"Status as of {date} - this changes fast; confirm with the ayuntamiento before you count on it.\",\"licBarcelona\":\"No new licences since 2014, and all ~10,100 existing HUT are to be extinguished by 24 Nov 2028 (Decreto-ley 3/2023 / PEUAT). A new tourist let is effectively not possible.\",\"licMadrid\":\"Dispersed VUT banned in the centre; elsewhere only with independent access and a 25 m² minimum (Plan RESIDE / Decreto 27/2026). Tight and mostly closed centrally.\",\"licMalaga\":\"Total moratorium on new licences since Aug 2025 (up to 3 years), on top of 43 saturated barrios (municipal suspension + Decreto 28/2016). A change of ownership can forfeit an existing licence.\",\"licValencia\":\"Per-barrio caps (2% of stock; central barrios closed). The moratorium was partially annulled (TSJCV, 14 Apr 2026) but the building-licence moratorium stands; the city is appealing.\",\"licPalma\":\"The entire municipality was declared unsuitable for tourist lets in May 2026, including single-family homes (PEOOT / Decreto-ley 4/2025). New lets are not possible.\",\"licAlicante\":\"Total moratorium since Jan 2025, extended to blocks, guesthouses and hostels - though the province still leads new registrations.\"},\"wealthTax\":{\"kicker\":\"Wealth tax\",\"title\":\"Does Patrimonio reach this purchase?\",\"electionLead\":\"As a non-resident you may apply the rules of the region where your Spanish assets are, and with one property that is {region}. The right has been open to EU and EEA residents since 2014 and to everyone else since 2021, so which region you buy in decides this, not where you live.\",\"minimoLabel\":\"Tax-free allowance\",\"minimoRegional\":\"{region} sets its own\",\"minimoState\":\"The national figure. This region sets none of its own.\",\"purchaseLabel\":\"This purchase\",\"above\":\"{amount} above the allowance on this property alone\",\"below\":\"{amount} of headroom left on this property alone\",\"ownScale\":\"{region} charges on its own scale of {bands} bands, not the national one.\",\"stateScale\":\"{region} charges on the national scale.\",\"bonifPlain\":\"{region} then discounts {pct}% of the bill.\",\"bonifCond_REPLACED_BY_DIFFERENCE\":\"{region} advertises a {pct}% discount, but while the national solidarity tax on large fortunes is in force that discount does not apply. You pay the difference between the two taxes instead, so a large estate pays about the same either way and only the recipient changes.\",\"bonifCond_ABOVE_THRESHOLD\":\"{region} discounts {pct}% of the bill, but while the national solidarity tax is in force that stops once net wealth passes {threshold}, above which you pay the difference between the two taxes.\",\"bonifCond_REDUCED_BY_ITSGF\":\"{region} discounts {pct}% of the bill, reduced by whatever the national solidarity tax charges for the same year and never below zero.\",\"bonifCond_ONLY_WHILE_ITSGF\":\"{region} has no general discount of its own. While the national solidarity tax is in force you may deduct the difference between the two taxes.\",\"noBillTitle\":\"We do not put a figure on this\",\"noBillBody\":\"Patrimonio is charged on everything you own in Spain, less the debts secured on it, not on one property. We know about this one. Any number we printed would be too low for anyone who owns anything else here, and too high for anyone with a mortgage on it. A resident's own main home also carries a further allowance we do not model. Take the region and the threshold to a gestor; those are the parts that change with where you buy.\",\"unknownBody\":\"{region} runs its own foral tax system, and neither the national tax agency nor the Treasury publishes its wealth tax rules alongside the other regions. We hold no figures for it and will not estimate any. Ask a gestor who w
1orks there.\",\"stamp\":\"Regime from {source}, in force from {from}. Orientation, not tax advice.\"},\"errors\":{\"notFoundEyebrow\":\"Error 404\",\"notFoundTitle\":\"This page does not exist\",\"notFoundLead\":\"The link may be out of date, or the address mistyped. Everything else is where it was.\",\"notFoundMetaTitle\":\"Page not found - Yald\",\"goHome\":\"Go to the home page\",\"goAnalyser\":\"Analyse a listing\",\"goTools\":\"All tools\",\"errorEyebrow\":\"Something went wrong\",\"errorTitle\":\"This page could not load\",\"errorLead\":\"The problem is on our side, not yours, and it is usually temporary, so trying again often fixes it. If it keeps happening, the reference below helps us find it.\",\"tryAgain\":\"Try again\",\"goDashboard\":\"Back to the overview\",\"reference\":\"Reference: {digest}\",\"loading\":\"Loading\",\"languageName\":\"English\",\"notConfigured\":\"This environment has no database connected, so your account cannot be shown here.\",\"appNotFoundTitle\":\"We could not find that\",\"appNotFoundLead\":\"It may have been deleted, it may belong to another account or firm, or the link may be out of date. Everything else in your workspace is where it was.\",\"goAnalyses\":\"Your analyses\"},\"report\":{\"title\":\"Yald - estimated after-tax economics\",\"grossYield\":\"Gross yield\",\"netYieldBeforeTax\":\"Net yield (before tax and financing)\",\"netYieldAfterTax\":\"Net yield (after tax, before financing)\",\"purchaseCosts\":\"Purchase costs\",\"taxBase\":\"Tax base\",\"transferTax\":\"Transfer tax (ITP)\",\"vat\":\"VAT (IVA)\",\"stampDuty\":\"Stamp duty (AJD)\",\"fees\":\"Fees (notary · registry · gestoría)\",\"totalCosts\":\"Total costs\",\"totalInvested\":\"Total invested\",\"cashToComplete\":\"Cash to complete\",\"rent\":\"Rent\",\"grossAnnualRent\":\"Gross annual rent\",\"deductibleExpenses\":\"Deductible expenses\",\"netBeforeTax\":\"Net before tax\",\"taxTitle\":\"Spanish rental tax\",\"taxTwoScenarios\":\"Spanish rental tax - two scenarios apply (non-EU)\",\"enforcedCol\":\"Enforced (AEAT): 24% on gross\",\"rulingCol\":\"May apply (ruling 3630/2025): 24% on net\",\"taxableBase\":\"Taxable base\",\"rate\":\"Rate\",\"taxDueAnnual\":\"Tax due (annual)\",\"refundWindow\":\"Refund window: {years} years.\",\"monthlyCashflow\":\"Monthly cash-flow\",\"beforeTax\":\"Before tax\",\"afterTax\":\"After tax\",\"rateStamp\":\"Rates {version} · effective {date}\",\"anonKeep\":\"This is the full result - every figure, every explanation. Create a free account to save it, compare it against other listings, and judge it against what you are looking for.\",\"anonKeepCta\":\"Save this analysis\",\"introHeading\":\"What this calculator does\",\"introA\":\"Paste or type a Spanish listing and it works the whole thing through: the transfer tax of that autonomous community, notary, registry and gestoría, the cash you need to complete, the rent the area supports, and what is left after costs and income tax at your residency. Every figure carries the rate version and date it used.\",\"introB\":\"It is built for the question a portal cannot answer. A listing shows an asking price and, at best, a gross yield. The number that decides whether a flat works is the net one - after ITP, after the running costs, and after the tax you personally pay, which differs by tens of thousands of euros depending on whether you are resident in Spain, elsewhere in the EU, or outside it.\",\"introC\":\"Free, unlimited and no account needed for the manual analyser. Orientation, never advice: it does not file, submit or arrange anything, and it is not a substitute for your gestor or asesor fiscal.\"},\"actionErrors\":{\"save\":\"That was not saved: the database refused the change. Nothing else was altered; please try again.\",\"invalid\":\"Some of what you entered could not be read, so nothing was saved. Check the fields and try again.\",\"tranche\":\"One of the fee rows could not be read (check its amount and dates), so the tranches were left exactly as they were.\",\"needsplan\":\"Sending this client their page needs a plan: the free allowance covers one client. Nothing was sent.\",\"type\":\"That file type is not accepted, or the file is not what its name says. Upload a PDF, an image (JPEG, PNG or WebP), a Word or Excel file, or plain text or CSV.\",\"notfound\":\"That item no longer exists, so there was nothing to change.\"},\"figures\":{\"label\":\"Rate versions behind these figures\",\"disclaimer\":\"Figures as saved, under the rates shown. Orientation, not tax or legal advice.\",\"noVersion\":\"{n, plural, one {# figure was} other {# figures were}} saved before rate versions were recorded\",\"moreVersions\":\"+{n}
1 more rate versions\",\"versionOnly\":\"Rates {version}\",\"shellFooter\":\"Yald gives orientation, not tax, legal or financial advice. Every figure is computed from dated, versioned reference rates, stamped beside it; confirm with your gestor or asesor fiscal before you act. Yald never files anything for you.\"},\"forms\":{\"submitting\":\"Sending, please wait\"}},\"children\":[[\"$\",\"$L8\",null,{\"parallelRouterKey\":\"children\",\"segmentPath\":[\"children\",\"$9\",\"children\"],\"error\":\"$18\",\"errorStyles\":[],\"errorScripts\":[],\"template\":[\"$\",\"$La\",null,{}],\"templateStyles\":\"$undefined\",\"templateScripts\":\"$undefined\",\"notFound\":[[\"$\",\"$Lb\",null,{}],[\"$\",\"main\",null,{\"children\":[\"$\",\"$L19\",null,{}]}],[\"$\",\"$Ld\",null,{\"consentSettings\":true}]],\"notFoundStyles\":[]}],[\"$\",\"$L1a\",null,{}]]}]\n"])</script>
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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.