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Posts posted by Mia.Tchoukour

  1. Thank you to all that have replied. It's all good advice and it shows that I really need to my homework.


    I did find out that unless I take out a personal loan, I can't get a mortgage in Germany for a place in Spain.


    I am in touch with an international mortgage broker in Valencia (which costs money but makes my life a bit easier) and I'm making a few appointments to see some property there in January. Filling out forms for the mortgage application and the NIE number are my next steps. I'm not in a hurry and will take my time with this process and can back out before I commit to anything.


    I'm really looking for a warm, cheaper place to retire where I already know a few people. I heard about the nightmares of squatters and hellish renters in Spain. That makes me very nervous. I'm hoping that in the near future that I can maybe (with the help of Olaf) have dual citizenship and retire in Spain as an EU citizen. If not then I will relinquish my US citizenship in time to make it easier to live in Spain (or somewhere else in the EU) in the future.


    As for buying something, the idea is so that I don't have to pay for rent or a mortgage when I'm retired. I will not make enough in a pension to support housing. Ideally, I would like to get something now to have it payed off by the time I'm 67.


    Many thanks, Toytowners, for all of your help!





  2. Thank you all for your help so far.


    @mtbilking - I do have income but I make very little for living/working in Munich. My income for Valencia would be more than enough to have a good life there. Property there is also very cheap compared to Munich or Germany in general. I have established credit in Germany with certain accounts and credit cards so I'm hoping that my income and credit score would be good enough to get a loan for 100,000 EUR which is not much, I'd say.


    I know this process would be easier if I was a German citizen but I'm not ready to give up my US citizenship just yet. Just looking into the obstacles as a non-EU citizen. 




  3. Hello there,

    I need a bit of advice and I'm surprised that I couldn't already find an existing thread about this topic, but, as the title states, I'm an American expat living in Munich with a residence permit, who would like to buy a flat in Valencia, Spain for future retirement.

    Is there an expat out there with experience with living in Germany but purchased property in another EU country?


    Some questions I have are:

    Would it be better to get a loan in Germany or Spain?

    Would I need to file taxes in Spain if I own a home there? I would assume yes, if it's a rental property and no if I don't rent it out?

    I currently don't file income taxes in Germany. I make very little and have no assets or deductions so I was told it wasn't necessary. But if I purchase a flat in Spain, would that mean that I would need to start to file income tax returns in Germany (weather it's rental property or not)?

    What are the biggest challenges of making a purchase abroad?

    Are there any hidden fees, higher interest rates, etc. as a non-EU citizen when purchasing property in the EU?


    I'm sure there are some questions that I have not yet thought of but I have never done this before so I'm not 100% sure of what to ask. I'm just starting my research.


    Any advice would be greatly appreciated.

    Many thanks in advance,




  4. I know this is an older thread and I'm not sure if some of this info is dated but I am in need of a cat sitter to come to my place once every 3 days for about 2.5 weeks around Christmas this year. My cat does not do well in new environments so taking him to a cattery (didn't know there was such a place. Lol) will not be an option.


    I will contact the recommended cat sitter, Irene, listed above (catsitting4you@googlemail.com) however, if she is not available, would anyone else know of a sitter that wouldn't mind coming to Rotkreuzplatz?


    I could also offer my services (or sitter swap) if anyone is in need of a cat or critter sitter. Dogs would be the exception since I work long hours and would not be able to check on the dog more than once per day. I have worked at a Humane Society in the states for over 7 years and have had a variety of pets of my own so I'd say that I'm experienced and can help you out if you need it. Feel free to email me at mia.tchoukour@yahoo.com with the subject line: PET SITTER and will try to reply as soon as possible.





  5. Ah, yes, then I guess I just have a regular tourist passport...I did read the whole thread but whenever people refer to the passport that I have, they always referred to it as my "official passport" and not the little card version of the passport that they can issue too...My apologies...I don't know anything about official military passports, but I would still assume that it doesn't matter where your plane connects thru. It just matters where your final destination is.


  6. I had a connection, with a 6 hour layover in Istanbul, last summer from Munich to Amman Jordan and never had a problem going or coming back to Munich. They just looked at my boarding pass and US passport and that's it. When I arrived in Jordan, I had to purchase a visa at the the airport, valid for 2 weeks, to visit the country. I don't think it matters what country your connecting thru. It only matters what your destination is.


  7. Most of the German people that I know look a lot older then they really are. I was told that they have very "flexible skin" and that it's not very tight. A genetic thing, I guess. I'm almost 35 but I've heard people say that they think I'm in my late 20's. Very flattering but my German friends of the same age look about their age or older. Maybe it's stress...


    Oh, and be careful with the Botox thing. There are some fake products out there that are not the safe kind of Botox. I would never inject a poison in my face to look younger. But then again, I can still get away with looking like I'm 27:-)


  8. I agree...No lines but clouds...I thought I was the only person who noticed the cutting in front of me, pushing through doors, being bumped with no apology, no one giving up their seat for a pregnant woman/old person, no one helping a woman with her baby carriage off of the tram....I can go on and on. It's every man to himself here. I just can't get myself to be like them.


  9. I noticed that Erised mentioned that if you have a German born baby, that you could legally stay in Germany...I'm trying to help my friend out and try to find out as much info as I can for her. There doesn't seem to be any info on line about this.


    She is an American and is pregnant with a German man's baby. They don't want to get married but is she still able to stay in Germany with her boyfriend and keep the family together?