Register as an independent in Spain

Darse de alta como autónomo Tired of not finding work or finding poorly paid jobs? Are you thinking of doing an economic activity on your own? In this post we tell you how to register as a freelancer, and all the paperwork you have to carry out to do it legally.

Procedures to register as an independent

There are different types of procedures that you have to carry out if you want to register as a freelancer. Some of them are mandatory in any case (high in finance and social security), others depend on the type of work you are going to do, and others that are not mandatory.

Essential procedures to register as an independent

The main procedures that you will have to carry out in order to register as an independent in Spain are the following:

  • Registration in the Treasury or in the Tax Agency.
  • High social security

Other procedures to register as an independent

Other complementary procedures that you can carry out if you register as autonomous are:

  • Opening license : as long as you are going to open a commercial space, a warehouse or an office.
  • Brand registration : not mandatory but highly recommended procedure.
  • Registration in the work organisms : in the case that you are going to contract for someone else’s account.
  • Data Protection (LOPD) : if you are going to carry out the formalization of databases with data from customers, suppliers or workers.

 

Register as self-employed in Finance

Registering with the Treasury is the first step you must take if you want to register as a freelancer in Spain. To carry out this procedure you must submit the census declaration through the model 036 “Census declaration of registration, modification and cancellation in the Census of Employers, Professionals and Retainers”, or through the model 037, which is the same as the previous one but simplified.

In both models, 036 and 037 you must include:

  • Your personal information
  • Detail the economic activity that you are going to carry out
  • Include your fiscal address
  • Include your tax obligations

The 037 model is the one that most self-employed workers can carry out, since 036 is typical of special VAT regimes.

In addition, when you register with the Treasury, you will also be registered in the Economic Activities Tax (IAE), a tax that you will only have to pay if you invoice more than one million euros a year.

 

Register as a self-employed person in Social Security

Once you have registered with the Treasury, you will have to register within the next 30 days in the Social Security by presenting in model TA0521 in one of the offices of the General Social Security Treasury (TGSS). This way you will be registering in the Special Regime of Self-Employed Workers (RETA). This is the procedure that really gives you the status of self-employed.

When presenting model TA0521, you must accompany it with the following documents:

  • ID, passport or foreigner card
  • Social Security Card
  • Work permit in case you have a foreign nationality
  • Copy of the registration with the Treasury

In addition, you must indicate the section of the IAE and its equivalent in the National Code of Economic Activities (CENAE).

At the time you sign up for social security as a self-employed person, you will specify your contribution base and the coverage for which you are going to contribute. The coverages for which you can choose are: cessation of activity (the “unemployment” of the self-employed) and accidents at work and occupational disease. If you opt for both coverages, economically it will mean an increase of 2’2% of quotation.

Each time there is a variation in any of the data provided, you must submit a new model TA0521, with the corresponding modification.

Interview with Pablo Blasco, Director of Fintech Spain

Hi Pablo, how did the idea of ​​creating Fintech Spain come about?

Fernando Alamillo, co-director of the project, and I, we realized that we needed a platform dedicated to the promotion and dissemination of financial technologies in the business world. The fintech is still unknown among many medium-sized companies, still heavily dependent on bank financing.

Fintech Spain

What are the actions that you carry out to support the Fintech?

Fintech Spain is composed of three pillars: events, training and blog. With the first, we intend to publicize the projects and the people behind each startup fintech . In this sense, the theme is very broad, and covers segments as diverse as crowdlending , payment methods, currencies or virtual currencies.

Regarding training, in a few weeks we will launch a training program on blockchain and its future business applications. It will be the first specialized course in this area. Finally, once a week we publish in our blog an article on diverse topics such as digital transformation of banking, financial inclusion in less developed countries, startups that lead the world, or the entry of technology companies in this market . It is a blog that works on curating content, so that our readers have quality information.

 

How has the evolution of Fintech Spain been?

The project was released last fall, so it is still very young. Since then, we have carried out three events with a marked formative character on crowdlending , security and blockchain , and payments . In all three cases, the response from the public has been very favorable. In addition, we are in contact with several startups to carry out new projects in the short and medium term.

 

What was more complicated in its creation?

It has been quite simple. The startups in this market lend themselves easily to collaborate in our initiatives. There is great interest on the part of everyone in promoting financial technology and it is a differential fact with respect to other industries.

 

What are the expectations?

The idea is for Fintech Spain to be an outreach vehicle that connects fintech startups with the market, to make their work known and discover new opportunities. In addition, we consider that training on specialized aspects in this field can also help the university world see in this market an opportunity to access the labor market.

The fintech in Spain is still in an incipient phase. Crowdlending and payments are its two most relevant and recognized segments; although there are many more technologies such as robo-advisors, personal finance administrators or the blockchain that will break out strongly in the coming months. The transformation of the financial world is already underway.

Alternative financing: Spain must move file

In April 2015, I attended a conference in New York of the former Secretary of the Treasury of the United States, Lawrence H. Summers, in which he energetically stressed that a financial system that is not very diversified is a weak system . What is the situation in our country regarding alternative financing? In this post we give you our point of view on the situation of these interesting financing alternatives that we have today at our disposal.

 

Alternative financing in Spain

Related imageSpain has made positive progress in creating alternative financing tools for a larger company, but nevertheless, financial alternatives for SMEs are more forgotten. Knowing that these are the engine of job creation, they can not access financial markets to obtain loans through alternative financing to banks, given their small size. As a result, Spanish SMEs continue to rely exclusively on bank financing, a situation that is not advisable for this company. The non-financing alternative makes Spain a weak and dependent economy. In addition, the crisis stopped the bank financing in drowning drowning our SMEs and we must not allow this to happen again.

Just as Spain is trying to stop relying on “brick”, it must also promote alternative financing mechanisms for companies so as not to depend exclusively on bank financing and thus create the basis for a more stable economy that protects the future of our SMEs.

 

What can Spain do to promote alternative financing?

Other developed countries, such as the United Kingdom, have reacted strongly to this serious problem by encouraging alternative financing to their SMEs in a strong manner. Here are some of the measures implemented successfully in neighboring countries in relation to alternative financing.

 

Derivation by law of applications rejected by banks to platforms that offer alternative financing for SMEs

The British government has approved a regulation called “mandatory bank referral scheme” by virtue of which banks are obliged by law to refer to alternative financing platforms those funding applications that have been rejected by them. Even in countries where such a measure is not mandatory, such as Germany or the United States, banks are reaching agreements with platforms that offer alternative financing loans to refer them to operations and even to invest through them.

Spain should assess the implementation of this measure, monitor compliance and encourage collaboration between banks and platforms that offer financing alternatives for companies.

 

Co-investment with alternative financing platforms

Through British Business Bank, the British government co-invests in loans to SMEs generated by alternative financing platforms under the same conditions and together with private investors. Instead of creating public bodies to grant loans or credit programs that depend on the banking channel, the British government has realized that it is more effective to do it directly through private alternative financing platforms.

Spain should take this measure into account and invest in the same conditions as the private sector.

 

Taxation in alternative financing

As of April 2016, British investors will benefit from tax deductions in their IRPF when investing in P2P loans through the so-called “Lending ISA”. In fiscal matters, Spain should consider:

  1. Apply tax deductions to the investment in loans to SMEs through alternative financing as well as those already existing for investments in capital of “start ups”.
  2. Eliminate the obligation to apply withholdings (currently when the bank lends to a company there is no withholding, however, when the individual lends, there is retention).
  3. As well as the creation of a beneficial fiscal framework to facilitate the creation of fiscally efficient domiciled debt vehicles in Spain and prevent debt vehicles from “traveling” to Luxembourg.

 

Regulations that regulate the alternative financing sector for companies

Spain has succeeded in regulating the crowdfunding sector through the Business Financing Law but it has limited itself to protecting the investor and, unlike the British example, Spanish law has not been accompanied by measures such as those listed above that encourage the growth of this new source of alternative financing. Quite the contrary, our regulation imposes obstacles that do not exist in other countries, such as prohibiting automatic investment mechanisms, imposing limits on investment, prohibiting blind profiles of borrowers, limitations on investment by the platforms themselves or imposing identification mechanisms very burdensome investors (eg electronic signature). The regulations in Spain should evolve to match those of the more developed countries in the sector such as the United Kingdom and, above all, incorporate measures that support the development of the sector, otherwise our companies will have a competitive disadvantage.

Other developed countries have learned from their mistakes and are strongly promoting the development of alternative sources of funding, now it’s up to Spain to move the file.

Evolution of Peer to Peer lending in Spain

Peer to peer lending In Spain, banks had always had the possibility of offering a wide range of financial services, such as the securitization of assets; as opposed to US banks, which have been legally prohibited from offering certain services related to the capital markets. This is why the banking industry in Spain has always enjoyed a leading role in the financial market, also partly due to the absence of a competitive market with alternative sources of finance for private companies and individuals.

Currently in Spain, around 80% of credit is controlled by banks, which means a great deal of dependence on bank finance. As shown in the graph below, non-bank finance in Spain comprises 22% of the total, which includes peer to peer (P2P) lending, whereas in other countries, such as the United States or the United Kingdom, P2P lending comprises almost around 65% – 70%.

Credit distribution

 

Growth of P2P Lending

Alternative funding in Spain is growing exponentially. The economic crisis in the country from 2009 to 20015 resulted in bank finance drying up, which forced companies and individuals to seek new sources of funding. This is now benefiting P2P lending and giving rise to new non-banking platforms and institutions offering P2P lending in Spain, such as MytripleA.

 

Peer to peer lending in Spain, in comparison to Europe

According to a report by Cambridge University about alternative finance on-line, which includes P2P lending, Spain ranks in 6th position in Europe, with funds under management of € 63m, behind the leader of the UK, with a volume of € 2.37m, and other countries such as Sweden, Germany and France.
The following graph shows the number of platforms in each European country.

Number of platforms Europe

Source: Cambridge University

With respect to the number of platforms in each country, the graph shows that the United Kingdom leads with 65. It is followed by Spain with 34, France with 33, and then Germany and the Netherlands with 31.

 

P2P lending in Spain in comparison to alternative sources of finance

Within the types of alternative finance in Spain, such as Crowdfunding and Invoice factoring, P2P lending is in second position with € 13.7m of funds managed. Invoice factoring was the highest value sector with € 35.1m of transactions in 2014.

The following graph shows the alternative finance market in Spain, as well as the growth of the five main types of alternative finance from 2012 to 2014.

Alternative finance market in Spain

Source: MytripleA data based on the report by the Cambridge University (volume in millions of euros)

The graph shows that P2P lending grew from less than € 1m in 2012 to € 2.7m in 2013, reaching a volume of € 13.7m in 2015. P2P lending in Spain experienced a huge increase of over 360% in the years 2012-2014 becoming the fastest growing category in comparison to the other types of alternative finance, which they grew 150%.

Businesses are discovering new ways of achieving business growth and development, by opting for P2P lending instead of the increasingly scarce bank finance.

 

P2P lending market trends in Spain

  • P2P lending market growth : the exponential market growth of P2P lending will continue throughout Europe including Spain. This new source of finance arrived later in Spain than in Northern Europe and the effects are just beginning to be noticed. Nevertheless, the data provide reassurance that growth will continue into the future.
  • Institutional investment through P2P lending platforms : MytripleA works with the GLI Finance platform, a well-known investment fund in London that also participated in loans with the same conditions as smaller investors.
  • Partnership agreements between P2P lending platforms and banks : far from behaving as competitors, many cooperation agreements are being signed between P2P lending platforms and banking institutions in search of profits for both and the development of the financial market in general. Examples of such agreements are ING Direct with Kabbage and Citibank with Lending Club.

 

P2P Lending at MytripleA

Over the past year MytripleA has achieved the following milestones:

  • Made over 150 loans
  • Advanced more than € 4m of funding to small and medium-sized enterprises and the self-employed
  • Registered more than 1000 investors
  • Won the award for the Most Promising Company from Economic News
  • Won the award for the Most Innovative Company from Federacion de Organizaciones Sorianas (FOES)
  • Won the award for the Most Innovative Product from Castilla y León Economica

Alternative financing for SMEs in Spain

Financiación alternativa para pymes en EspañaAlternative financing for SMEs in Spain

Business Angels as a source of alternative financing

These are people from the financial or business world with extensive economic and strategic knowledge. They invest in innovative companies or start-ups in their first years of existence , where in addition to the contribution of capital, they get involved in the project, contributing their experience, contacts and own experience.

Therefore, they could be defined in the following 4 key points:

  • Shareholding participation
  • High return on investment
  • Experts in business and finance
  • Companies with great growth potential

Alternative Market for the financing of companies

It is a market focused on small and medium-sized companies with reduced capitalization . It operates in a similar way to the stock market but with customized regulation and adapted costs and processes. The Mercado Alternativo Bursátil is managed by Bolsas y Mercados Españoles and supervised by the CNMV. The key points are:

  • Expanding companies
  • A “Registered Advisor” helps in the process
  • Access to the stock market
  • Independent to the Stock Exchange

Issuance of debt as a source of alternative financing

This alternative to financing consists of the issuance of financial securities in the form of debt . It is mainly carried out to deal with payments or short-term investment projects, especially for the most immediate payment commitments. This alternative financing source is available for both private and public companies and its key points are:

  • It can be done by the banks themselves
  • Risk of default
  • Debt rating agencies evaluate the risk of the operation

Startup incubators as a financial alternative

Startup incubators are focused on innovative projects that need initial funding to start up the company. For this they make an initial contribution of capital and continuous mentoring. In return, and as a rule, the incubator obtains shareholding . This would be the summary of its characteristics:

  • Shareholding participation
  • Access to a network of contacts
  • Advice
  • Filters to access

 

Alternative financing through Crowdfunding

Within the sources of alternative financing, collective financing is one of the most affordable options that companies can access. Below, we tell you some varieties of financing by crowdfunding.

Alternative financing by Crowdequity

The main characteristic of crowdequity is that investors acquire a part of the company’s participation . The companies obtain financing from private investors in exchange for a compensation in the form of shares. Companies can accentuate links with their investors to increase sales. Therefore his summary would be:

  • Capital increase
  • Shareholding with the right to dividends

Crowdlending as an alternative for bank financing for SMEs

It is one of the financing alternatives for SMEs with more followers today and one of the most widespread in our country. Through this financial alternative of loans are many SMEs that have managed to meet their financial needs.

The company financed through crowdlending obtains a loan that is financed entirely by private investors.

  • Investors are not part of the company
  • Fast and agile financing
  • No need to purchase additional products

MytripleA as a crowdlending platform for companies, allows you to access financing with a fairer deal and price, quickly and easily and by completing all online procedures. In addition, you do not have to buy any additional product, so it does not make your loan more expensive. It also offers you the possibility of repaying your loan early without additional charges, that is, the financing you need without fine print!

Reward Crowdfunding as an alternative

In this type of crowdfunding financing, the company offers a product or service in exchange for contributions of money , mainly that of its main activity.

  • Not available for all companies
  • Promotion of products or services

Crowdfunding of donation as an alternative

It is the only alternative to traditional financing where companies are financed without having to pay a consideration for it .

Most of these loans are made for solidarity reasons or projects with a strong attachment or personal attachment . Investors do not seek to profit from the contribution, but they do it altruistically.

  • Solidarity projects
  • No consideration is necessary

These are some of the alternatives to bank financing that you can access as a company, if you want to know more, consult other 7 methods to finance your company.

 

Reciprocal Guarantee Societies, a very important role for business financing

The Reciprocal Guarantee Companies can help companies to obtain alternative financing . The SGR are companies that guarantee the loan operations. The SGRs take care that the investor (whether private or a bank) receives 100% of the capital invested plus interest on the loan in which he has invested his money.

What benefits do I get as a company?

Here are some of the advantages of obtaining the endorsement of an SGR:

  • Ease of access to financing
  • Greater confidence on the part of the investor
  • Financial advice and training

MytripleA collaborates with several SGRs distributed throughout the national territory so you can access a more just loan with better conditions.

Financing for entrepreneurs in Spain

Financiamiento para emprendedores “Choose a job that you like and you will not have to work even one day of your life” (Confucius).

This is the main reason why those who have a business idea decide to start the journey of entrepreneurship.

Thanks to this, the entrepreneur can work on what he had always dreamed, what he had always wanted. But the first obstacle is finding the most suitable financing for your entrepreneurship project.

Do you have a great idea, a business project to develop and do not yet know how to get financing for entrepreneurs in Spain?

In this post we are going to tell you 5 ways to get financing for entrepreneurs.

 

5 forms of financing for entrepreneurs

1. Financing for own entrepreneurs

This type of financing is basic. It is self-financing that you can contribute to carry out your project. If you self-finance, that is, if you trust your business idea, why are not third parties going to do it?

2. Financing for entrepreneurs through “Friends and family”

Friends and family are those who will most trust you and your project, why not start by requesting funding from them? So you win both: they help you and, in certain cases, get a return on your money; You probably get financing at the best price.

Have you not been able to get financing of your own or by friends and family? Well then you need to look for other alternatives …

3. Financing for entrepreneurs through loans and bank loans

Probably this type of financing is the one that first comes to your head. You need financing, where do you get it? In the bank. Although it is not the only alternative. Why is it the first one that occurs to us? Because until recently, it was the only alternative financing method to the two previous ones.

4. Financing for entrepreneurs through crowdfunding

This type of financing for entrepreneurs is what has emerged not so long ago. It consists in that many people lend or give part of their savings to others, in order to carry out their business or non-profit projects. There are many types of crowdfunding, but in this post we are going to focus on just one: crowdlending!

5. Financing for entrepreneurs through crowdlending

Crowdlending, a word formed by two others in English: crowd and lending. Crowd means crowd and lending loan. What does this mean? Platforms that connect a multitude of people who want to lend their money and get the best return for their savings, with other people or companies that need a loan.

The evolution of personal loans online in Spain

This infographic has been created taking into account the Survey conducted by the Directorate General of Health and Consumers of the European Commission and also taking into account the study of Carat Expert: “The influence of the crisis on Spanish households”.

The conclusion that has been made is that many more people than it seems are requesting personal loans online in Spain, specifically 17% of the population, of which the majority are between 25 and 44 years old. They use them mainly to face the expenses that suppose trips, amortize debts, electronic products, reforms in the home or purchases of car. These online personal loans are very easy to request , since they involve a quick economic injection that allows you to solve any unforeseen event.

The Financial Companies consolidate as bearers of this type of personal online loans , while on the contrary there is a decrease in loans that come from banks.

The effects of the economic crisis in Spain are visible in 70% of families that recognize that now their saving capacity is much lower than in previous years. This has been reflected in one of the most typical customs of the Spaniards: the frequent visit to bars and restaurants, which has now been much diminished by the lesser lack of economic liquidity.

But what Spaniards do not forgive is their vacations, to which they dedicate the money they get with personal loans online . Other things to which this money is destined are to amortize small debts and reforms of the home. It is also curious to see how now the Spanish buy less electronic equipment than before, but nevertheless they are much more expensive.

We will be attentive to the economic progress of Spain in 2014. We will see if the small recovery planned by the Government is being met. And we will see what is the evolution of the economic crisis and the saving behavior of Spanish families that every day try to get ahead in the best possible way.

The most expensive restaurants in Spain

 Pide un préstamo y disfruta de los restaurantes más caros de España

Have you always wanted to know which of the most expensive restaurants in Spain?
Here we leave some of the most outstanding for having the highest cards:

Sublimotion
Platja d in Bossa, S / N, 07817. Hard Rock Hotel Ibiza.
Sant Jordi. Ibiza

The most expensive restaurant in the world is in Ibiza: 1,500 euros per person.
Directed by Paco Roncero at the Hard Rock Hotel Ibiza, it fuses gastronomic avant-garde and technological innovation. It is a complete emotional experience. A world of sensations. An atmosphere of games of lights, sounds and aromas that transports you to a magical place.

 

Akelarre
C / Paseo Padre Orcolaga, 56.
Saint Sebastian.

 

Carme Ruscalleda
Carrer Nou, 10
Sant Pol de Mar. Barcelona. 

 

Martín Berasategui Restaurant
C / Loidi, 4
Lasarte Guipúzcoa

Martín Berasategui proposes quality cuisine, a mixture of roots and new culinary techniques. Creative and respectful with the product. Among the most expensive dishes include red mullet with edible flake crystals, tail and white chocolate juice with algae and Araiz pigeon. The average price of the tasting is 120 euros.

 

The Can Roca Celler
C / Can Sunyer, 46
Gerona

Run by the Roca family ( Joan , Josep and Jordi ). Gastronomy of emotions and sensations. The concept is the same as that of art: transmit feelings, and create moods. This restaurant has three types of tasting menu between 90 and 135 euros. The most expensive dish of your menu, the crayfish with the smoke of curry de beloute with onions and conte, for 60 euros.

 

Dani García Restaurant
C / J osé Meliá, s / n.
Marbella Malaga.

The new restaurant of Dani García . Tradition, contrasting and singular flavors, intense nuances, talent and innovation. And a lot of illusion. It has a wonderful tasting menu for 148 euros. His most expensive dish, a ngulas del guadalquivir, sautéed with roasted garlic and spicy pickled vegetables, 170 euros (100 grams).

 

Gastro
C / Zurbano, 31
Madrid.

A space with the most sophisticated kitchen of Sergi Arola . Menu from 95 to 160 euros. The pigeon stands out with basmati rice, stewed with candied fruits and vegetables with the aroma of embers. Also very remarkable marinated sardines stuffed with herring roe and vegetables brunoise.

Do you fancy a treat, and visit one of these famous restaurants? Ferratum gives you the opportunity.

Digital Marketing Masters in Spain

Solicita un préstamo y estudia un máster de marketing online

The digital world continues to grow. One of the sectors that barely has unemployment in Spain . The challenge is to train good professionals, and for this, it is necessary to train well, in a very unknown area to date. SEO , SEM , CPC , CPM, CPA, ROI are terms that an on-line expert must master to perfection.

Below, we show you links to the best masters of marketing and digital communication that you can choose in Spain, organized by business schools and universities, with basic information (contact, price, hours, and credits). And ordered by price in face-to-face masters and online masters.

Credito rápido y préstamo fácil para hacer masters de marketing y comunicación digital

What do you value most?

Teachers who teach classes, opinion of students from previous courses, or the money that each master costs, are the points that the future student analyzes easily and quickly . Remember that Ferratum offers financial help for tuition and subsequent payments you need to complete your studies.

These are the most prominent digital marketing masters , ordered by cost :

A) Attendants

MIB: Master Internet Business
ISDI
Madrid and Barcelona
400 h. – € 17,850

MDB + (Master in Digital Business)
The Valley. Digital Business School.
Madrid
400 h. – € 15,200

Master in Advertising and Digital Communication
Master IAB
Madrid and Barcelona
Unknown duration – € 12,000

Master in Direct and Digital Marketing
Universitat Pompeu Fabra
Barcelona
10 months – € 8,780

Master in Digital Marketing, Communication and Social Networks
Camilo José Cela University
Madrid
1 year – € 8,100

Master in Digital Marketing and Digital Business Management
ESDEN
Madrid, Barcelona and Bilbao
9 months – € 7,500

Postgraduate in Online Marketing
EADA
Barcelona
6 months and a half (124 hours) – € 6,900

Master in Digital Marketing and Social Networks
EEME Business School:
Alicante and Valencia
9 months (600 hours) – € 6,495

Master in Digital Marketing, Social Media and Community Manager
Complutense University of Madrid
Madrid
520h. – € 6,350

Master in Digital Marketing
Mondragon Unibertsitatea
Arrasate – Mondragón (Guipuzcoa)
9 months – € 6,000

Master in Communication and Online Marketing
Autonomous University of Barcelona
Barcelona
9 months – € 5,700

Master in Marketing techniques Online
K-SCHOOL
Madrid Barcelona
165 hours – € 4,995

Postgraduate in Digital Marketing
Ramón Llul University
Barcelona
1 semester – € 3,900

Master in e-Commerce and Digital Marketing
Ecommaster.Es
Madrid, Elche, Albacete
9 months – € 3,200

Master of Digital Business
ICEMD-ESIC
Madrid
Information upon request.

Master in Digital Marketing and Social Networks Professional
International Marketing Institute
Barcelona
1,500 h. – Information upon request.

Master in Digital Marketing and Social Networks
Creative Classroom
Madrid
144 h. Information upon request.

Executive Master in Digital Business
ESADE Headquarters: Madrid and Barcelona
Face-to-face modality
10 months – Information on request.

Master of Digital Marketing, Communication and Ebusiness Management
IED Madrid
Madrid
10 months – Information on request.

Master in Digital Marketing Management and Management
Malaga University
Malaga
Face-to-face modality
Information upon request.

 

B) Online

Master in Digital Marketing
EUDE
1,500 hours – € 11,900

Master in Online Marketing and Electronic Commerce
Online Business School
12 months – € 6,200

Master in Communication and Online Marketing
International University of La Rioja
900 hours – € 4,600

Master in Digital Marketing and Social Media
Distance University of Madrid
€ 4,500

Master in Digital Marketing, Social Media and Community Manager
Complutense University of Madrid
Madrid
9 months – € 4,250

Postgraduate in Communication and Online Marketing
Autonomous University of Barcelona
€ 2,900

Master in International Ebusiness
CECO
500 hours – € 2,500

Master in Digital Marketing
INESEM
700 h. – € 1,295

Master’s Degree in Digital Marketing & Social Media
INESDI
12 months (1,500 hours) – Information on request

Master in Digital Marketing and Social Networks Professional
International Marketing Institute
1,500 h. – Information upon request.

Master in Marketing and Digital Communication Management
Cerem Business School
9 months – Information on request.

Master in Digital Marketing and Electronic Commerce
EAE-Deusto
Information upon request.

Online Master in Digital Marketing
IMF-CEU
720 hours – Information on request.

Master in Marketing and Digital Advertising
University of Nebrija
1 year – Information on request.

That good! 10 towns of Spain

10 Towns of Spain with a lot of charm

Pide tu préstamo y viaja a los pueblos más bonitos de España

Have not you gone on vacation yet and do not know where to go? If you love the rural world and tranquility and want to introduce yourself to a fantastic tale of castles, warriors and princesses … Do not miss this list! Ferratum brings you a very complete selection of beautiful villages, well we know that many wonderful towns will be missing, but we hope to guide you and help you choose the one you like the most.

Most seem fictitious, more like a set of a period film than a Spanish town. A postcard, a song, a sonnet … Extreme beauty sometimes seems to us from another planet! But they are real, they are on earth and very close to you. We have them in Spain! Walking through its paved streets in stone you will discover why it is said that Spain has an elf.

If you are a lover of beauty and can not resist the charm of the towns, its people, its monuments and its gastronomy … Point any of them on your list of future destinations! Do not you know which one to decide? Choose them all! There is always time to know the world and what better to start with our own Country.

Escape a few days with your partner and live a perfect romantic evening. And if you have a large family … Bring your children to know the history of their roots! So you will enjoy a few days of rest and fun and at the same time you will learn, being able to visit historical places where important battles were fought, or admire castles or walls of past ages such as the Middle Ages.

Do you want to enjoy this trip to the fullest but you do not have enough money? Do not worry! Ask for your quick loan with us and problem solved!

Remember that you can request online microcredits from 50 to 700 euros to pay from 5 to 45 days without complications.

Ferratum recommends that you buy a camera and do not forget the mobile phone chargers at home. The Battery will be exhausted right away because you will want to photograph everything!

Now, without further ado, here is the list of the most charming towns in Spain.

 

1. Albarracín, Teruel

With a spectacular historical helmet, Albarracín awaits us at 1182 meters of altitude.

If you want to get into a real town, in the full extent of the word, enjoy a few days in Albarracín. You will not regret!

Declared a Historic-Artistic Site since 1961, this town has a more than deserved position among our top ten since it is a town that you can not miss. Here you will transport yourself in time without any effort and if you come in winter, the snow and the cold will make you feel even more authentic.

It is currently proposed by UNESCO to be declared a World Heritage Site.

 

2. Besalú, Girona

This town seems to be taken from a story of knights and princesses. If you want to admire its great beauty, the best thing you can do is access this wonderful village through its fortified Romanesque bridge; a land of history, tradition, legends and corners to go. It is highly recommended that you walk through its winding streets calmly. Go through the Jewish Quarter and let yourself be dazzled by the historic buildings and the Plaza Mayor. You can also fall in love with beautiful craft shops where it will be impossible for you not to acquire a souvenir for a friend or family member. And do not forget the famous catalan tumaca bread. Try the best bread tumaca of Spain in one of the beautiful restaurants of Besalú! Mmm … Good !

At each step and each look you will discover a special corner, something new that captures your attention. What are you waiting for? Enjoy now what is one of the most unique medieval sets in Spain.

 

3. Cudillero, Asturias

In Cudillero we feel like in few places the authentic sailor spirit . The air impregnated with salt, the personality of its inhabitants, even its architecture, its houses descend step by step on a hillside until they reach the port, on the seashore. An imposing lighthouse, which rises on a cliff of more than 75 meters, in which you can upload and take some incredible photographs, marvel at the rows of colorful houses in the town. It will seem that you travel to another world, a world of colors of chocolate houses and bauble! Become Hansel or Gretel for a moment and savor the beauty of Cudillero. If you are eager to live new experiences, you can also join some of the excursions that are organized in the area to fish or admire the cliff of Cape Vidio. And what about his palace of the Selgas? Why good for something this town is known as the Asturian Versailles.

 

4. Frías, Burgos

Frías is a Spanish municipality located north of the province of Burgos. On the hill of La Muela, on which you will find its beautiful hanging houses, close to the wide and abundant Ebro river, in medieval times it joined the Cantabrian coast and the plateau, giving rise to the remarkable prosperity of Frías and its monumental complex.

In it you will become infected with medieval magic. You can admire the beauty of its castles and its monuments. A drawbridge, from Roman times, will give you access to the town. The bridge was built to fortify the place. After passing through a moat excavated in the rock, you can find its 30 kilometers of extension and witness the power of its historic jewel, the Tower of Homage, which rises over the valley of Tobalina as if it were a lighthouse. The fortress dates from the 10th century and in the castle there is still a good part of old dependencies such as granaries, cellars or service rooms.

 

5. Hondarribia, Gipuzkoa

And I could not miss this wonderful Basque town. At the foot of Mount Jaizkibel, bathed by the Bay of Biscay and the Bay of Txingudi, this town awaits you that makes a natural frontier with France.

Hondarribia is one of those places that once you visit you never forget, that you will fall in love and it will remain forever in your memory. You have different spaces to travel. In the area of ​​the old town you will walk through a medieval layout of narrow, cobbled streets dominated by the grandiose Carlos V. If you venture into the area of ​​the Marina neighborhood, you will enjoy the charm of the fishing villages and the endless bars and taverns where you will not lose the opportunity to taste some tasty pintxos accompanied by a good txakolí. How good it is!

In Hondarribia you will live a dream. A romantic or family getaway in which you will have the perfect combination; fun, culture and rest.

 

6. Morella, Castellón

Morella is one of the most beautiful villages in the Valencian community. It has recently been declared an Artistic Historic Site. Going into this town, which stands at the foot of his castle, is introduced into past territory, where Iberians, Celts, Greeks, Romans and Arabs passed leaving their mark in every corner. Surrounded by a wall of about 1,500 meters, if you decide on Morella you will enjoy an authentic medieval paradise. In it you will find numerous narrow and arcaded streets, manor houses and corners full of charm, magic. At the top of a hill, your huge castle awaits you, which has witnessed many historical battles such as the battles of El Cid Campeador or the War of Succession. When the sun sets and the stars appear, the place acquires even more charm thanks to its careful lighting.

If you are a romantic you already know … Your destination is in Castellón!

 

7. Santillana del Mar, Cantabria

In the western part of the province of Cantabria, just 30 kilometers from the capital, this beautiful villa is located, as attractive as it is rich in culture, thanks to the innumerable memories it still keeps of its interesting past. Enjoy its cobbled streets and breathe its haunted air. The magic is breathed wherever you go, in every corner of this Cantabrian town.

It was the capital of the Asturias of Santillana and the town was declared a historical-artistic complex in 1889, although the artistic scene reached the town thousands of years ago with the Altamira Cave , protected as a historical heritage site, which is 2 kilometers away. from the center of the town.

Santillana del Mar has an impressive architectural heritage. Within the religious architecture highlights the Collegiate Church of Santa Juliana, around which the town was developed.

In short, if you want to enjoy some very special and magical days do not hesitate to rent a cottage in Santillana del Mar. You can never forget it!

 

8. Ronda, Malaga

If you are a fan of the Andalusian White Villages, you have to go to Ronda at least once in your life. Although it is considered a city due to its large number of inhabitants, its forms, traditions and customs continue to give it the word of the town, and the municipality of Malaga continues to appear on all lists of Spanish towns.

Ronda a few kilometers from the Costa del Sol , one of the oldest cities in Spain. Its old town divided by the Tajo – as the gorge is known excavated by the Guadalevín River – is a monument in itself. The classic zone, in the south, delights with its Arabic reminiscences, so typical of Andalusia and its spectacular medieval layout. The most modern Ronda you will discover more to the north. In the municipality we have architectural wonders such as the bullring and its impressive Puente Nuevo, a construction that has almost 100 meters of height on the river. The views from here are incredible, so you know if you have a camera at hand … Immortalize the moment! Although it will never be erased from your memories.

 

9. Vejer de la Frontera, Cádiz.

Vejer de la Frontera is a Spanish municipality in the province of Cádiz. With this we say the same as with Ronda … If you breathe Andalusian art on all four sides and you can not resist the white houses, the Costa del Sol, the pescaíto and the Andalusian party … You have to go to Vejer de la Frontera!

The nucleus of the town is located on top of a 200-meter high mountain, on the banks of the Barbate River and 8 kilometers away from the coast. History is also very present in this charming town. Do not forget to visit its walled historic center, which still preserves the castle and several significant churches, and which was declared a historical-artistic site in 1976.

You can also visit El Palmar, a small rural town that stands out for its tourism. Agriculture is one of the pillars of the economy and small-scale summer tourism.

Also note that on October 21, 1805, the Battle of Trafalgar took place off the coast of Cape Trafalgar, in Los Caños de Meca, an old town in the municipality of Vejer de la Frontera. This naval battle is considered one of the most important of the 19th century

Get in love with the narrow white streets, the Andalusian courtyards full of flowers! Breathe in the smell of jasmine and salt and enjoy some unforgettable days.

 

10. Trillo, Guadalajara

Trillo is a municipality of Spain located in the province of Guadalajara on the banks of the Tagus River between the regions of Alto Tajo and La Alcarria. Immerse yourself in the purest tradition of the Alcarrian land, stroll through its ancestral homes or through the Monastery of Santa María de Óvila, founded in the 12th century.

During your stay you will discover unique spaces such as the bridges over the river or the waterfall of Cifuentes, you will not be able to resist taking a selfie next to the waterfall, more than 15 meters high. This natural place was already immortalized by Camilo José Cela in one of the passages of the book that made this land famous, Viaje a la Alcarria .

Think no more! Travel to Guadalajara and fall in love with its beauty.