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  <url>
    <loc>https://aimyndi.ai/news/se/buying-summer-house-sweden-foreigner/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-summer-house-sweden-foreigner/hero.webp</image:loc>
      <image:title>Buying a Summer House in Sweden as a Foreigner: 2026 Guide</image:title>
      <image:caption>Sweden lets any foreigner buy a sommarstuga with no residency required. Here is the full step-by-step process, from coordination number to signed contract.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/nie-number-spain-property-guide/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/nie-number-spain-property-guide/hero.webp</image:loc>
      <image:title>NIE Number Spain: What Every Property Buyer Needs to Know</image:title>
      <image:caption>You cannot sign a Spanish property deed, pay taxes, or open a bank account without a NIE number. Here is what it is, how to get one, and how long it takes.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/cz/buying-property-prague-foreigner-2026/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-prague-foreigner-2026/hero.webp</image:loc>
      <image:title>Buying Property in Prague as a Foreigner: What to Know in 2026</image:title>
      <image:caption>Prague apartment prices rose 9% last year and supply remains 20% below demand. Here is the complete guide for foreign buyers: legal checks, ownership types, and what to verify.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/spain-100-percent-tax-non-eu-buyers/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/spain-100-percent-tax-non-eu-buyers/hero.webp</image:loc>
      <image:title>Spain&apos;s 100% Non-EU Property Tax: What Is Actually Happening</image:title>
      <image:caption>Spain proposed a 100% surcharge on non-EU property buyers. As of March 2026, the bill has stalled in congress. Here is what that means for foreign buyers now.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/sweden-mortgage-rules-2026-down-payment/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/sweden-mortgage-rules-2026-down-payment/hero.webp</image:loc>
      <image:title>Sweden Mortgage Rules 2026: Down Payment Drops to 10 Percent</image:title>
      <image:caption>Sweden cut the minimum deposit from 15% to 10% on April 1, 2026. Here is what changed, who benefits, and what buyers should know before applying for a mortgage.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-spanish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-spanish-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as a Spanish Buyer: 8 Key Differences</image:title>
      <image:caption>Sweden has no notary, open SMS bidding, and you buy a share in a cooperative. Here are 8 differences from Spain that Spanish buyers must know first.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-german-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-german-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as a German Buyer: 8 Key Differences</image:title>
      <image:caption>No Notar, no Grundbuchauszug, no Schufa. 8 differences German buyers of Swedish cottages and apartments must know about BRF, lagfart, and mortgages.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-norwegian-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-norwegian-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as a Norwegian Buyer: 8 Key Differences</image:title>
      <image:caption>A strong NOK makes Sweden cheap, but bostadsrätt is not borettslag and lagfart is not dokumentavgift. 8 differences Norwegian buyers must know first.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-czech-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-czech-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as a Czech Buyer: 8 Key Differences</image:title>
      <image:caption>Sweden offers no notary, open SMS bidding, lower mortgage rates, and a cooperative share model. Here are 8 differences from Czechia you must know first.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-dutch-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-dutch-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as a Dutch Buyer: 8 Key Differences</image:title>
      <image:caption>No notaris, no 3 days bedenktijd, no VvE. 8 differences Dutch buyers must know about bostadsrätt, lagfart, Swedish mortgages, and box 3 tax.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-danish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-danish-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as a Danish Buyer: 8 Key Differences</image:title>
      <image:caption>Skåne is cheaper than Copenhagen, but bostadsrätt is not andelsbolig and Öresund commuters must file in both countries. 8 differences Danes must know.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-finnish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-finnish-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as a Finnish Buyer: 8 Key Differences</image:title>
      <image:caption>Bostadsrätt looks like asunto-osakeyhtiö but is not the same. 8 differences Finnish buyers must know about cottages, bids, mortgages, and tax in Sweden.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-french-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-french-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as a French Buyer: 8 Key Differences</image:title>
      <image:caption>No notaire, no compromis de vente, no 10-day SRU cooling off. 8 differences French buyers must know about bostadsrätt, lagfart and Swedish mortgages.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-italian-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-italian-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as an Italian Buyer: 8 Key Differences</image:title>
      <image:caption>No notaio, no proposta with caparra, no rogito. 8 differences Italian buyers must know about bostadsrätt, lagfart, imposta di registro and box 3.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/buying-property-sweden-portuguese-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-sweden-portuguese-buyer/hero.jpg</image:loc>
      <image:title>Buying Property in Sweden as a Portuguese Buyer: 8 Key Differences</image:title>
      <image:caption>No notário, no CPCV with sinal, no progressive IMT. 8 differences Portuguese buyers must know about bostadsrätt, lagfart and Swedish mortgages.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/spain-golden-visa-ended-one-year-on/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/spain-golden-visa-ended-one-year-on/hero.webp</image:loc>
      <image:title>Spain Golden Visa Ended: One Year On, What Changed for Buyers</image:title>
      <image:caption>Spain ended the Golden Visa on April 3, 2025. One year on, here is what changed for foreign property buyers and which residency routes still exist in 2026.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/sweden-subletting-rules-2026-rent-out-two-homes/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/sweden-subletting-rules-2026-rent-out-two-homes/hero.webp</image:loc>
      <image:title>Sweden Subletting Rules 2026: Rent Out Up to Two Homes</image:title>
      <image:caption>From July 1, 2026, Sweden lets private owners sublet up to two homes with freedom of contract. Here is what changed for owners and what tenants still keep.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/spain-tourist-rental-registry-annulled-2026/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/spain-tourist-rental-registry-annulled-2026/hero.webp</image:loc>
      <image:title>Spain Tourist Rental Registry Annulled: What Owners Need to Know</image:title>
      <image:caption>On May 21, 2026, Spain&apos;s Supreme Court struck down the national tourist rental registry and the NRUA number. Here is what changed and what still applies.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/cz/czech-investment-mortgage-rules-2026/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/czech-investment-mortgage-rules-2026/hero.webp</image:loc>
      <image:title>Czech Investment Mortgage Rules 2026: 30% Down on Rentals</image:title>
      <image:caption>From April 1, 2026 the Czech National Bank caps investment mortgages at 70% LTV and 7x net income on third homes and rentals. Here is what buyers should know.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/fr/france-notaire-transfer-duties-first-time-buyers/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/france-notaire-transfer-duties-first-time-buyers/hero.webp</image:loc>
      <image:title>French Transfer Duties 2026: Your Département Sets the Bill</image:title>
      <image:caption>Départements may charge 5% transfer duty until 30 April 2028. First buyers of a main home are outside the rise, and some départements exempt them entirely.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/nl/netherlands-transfer-tax-second-home-8-percent-2026/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/netherlands-transfer-tax-second-home-8-percent-2026/hero.webp</image:loc>
      <image:title>Dutch Transfer Tax 2026: Second Homes Drop from 10.4% to 8%</image:title>
      <image:caption>From 1 January 2026 the Dutch overdrachtsbelasting on a home you will not live in is 8%, down from 10.4%. The starter exemption still stops at 555,000 euro.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/de/germany-grundsteuer-2026-duisburg-hebesatz/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/germany-grundsteuer-2026-duisburg-hebesatz/hero.webp</image:loc>
      <image:title>Grundsteuer 2026: A Court Ruling Raised Duisburg Bills by 32%</image:title>
      <image:caption>Duisburg dropped its split Grundsteuer rates on 24 February 2026 for a single 1,169% multiplier, lifting residential bills 32% and cutting business ones 20.4%.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/it/buying-property-italy-british-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-italy-british-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Italy as a British Buyer: Article 16 Reciprocity</image:title>
      <image:caption>Article 16 of the preleggi is the one real nationality gate in Italian conveyancing. It applies to British buyers, and it is a check by the notaio, not a bar.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/pt/buying-property-portugal-danish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-portugal-danish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Portugal as a Danish Buyer: No Permit, 7.5% Tax</image:title>
      <image:caption>Denmark makes a foreign buyer ask the Ministry of Justice. Portugal asks nothing and charges non-residents 7.5%, refunded only inside six months.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/fr/buying-property-france-norwegian-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-france-norwegian-buyer/hero.webp</image:loc>
      <image:title>Buying a House in France as a Norwegian Buyer: Ten Days You Never Had</image:title>
      <image:caption>An accepted bid binds you in Norway. France gives ten days to withdraw, then charges 5.81 to 6.32 percent transfer duty against your 2.5 percent.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/buying-property-spain-dutch-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-spain-dutch-buyer/hero.webp</image:loc>
      <image:title>Buying in Spain as a Dutch Buyer: No Cooling-Off, No Kosten Koper</image:title>
      <image:caption>Dutch buyers are the second largest foreign group buying Spanish homes. The three days to change your mind do not exist in Spain, and the notary is not yours.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/de/buying-property-germany-swedish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-germany-swedish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Germany as a Swedish Buyer: Meet the Notar</image:title>
      <image:caption>Sweden concludes a sale on a document the parties sign themselves, at 1.5% stamp duty. Germany voids it without a Notar, and charges at least 3.5%.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/pt/buying-property-portugal-finnish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-portugal-finnish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Portugal as a Finnish Buyer: 7.5% IMT, 6 Months</image:title>
      <image:caption>Non-residents pay a flat 7.5% IMT in Portugal with no relief at all, against 1.5% at home. Two routes refund it, but the claim expires in six months.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/fr/buying-property-france-british-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-france-british-buyer/hero.webp</image:loc>
      <image:title>Buying a House in France as a British Buyer: 6.32% and 90 Days</image:title>
      <image:caption>France charges a British buyer 5.81% to 6.32% in transfer duty, less than an English second home costs at home. Brexit took the days, not the money.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/it/buying-property-italy-dutch-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-italy-dutch-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Italy as a Dutch Buyer: 9% and No Bedenktijd</image:title>
      <image:caption>Article 7:2 BW gives three days from the moment the deed reaches your hands. Italy gives none, charges 9% on a second home, and keeps the caparra you paid.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/check-okupa-risk-before-buying-spain/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/check-okupa-risk-before-buying-spain/hero.jpg</image:loc>
      <image:title>How to Check Okupa Risk Before You Buy in Spain</image:title>
      <image:caption>The nota simple will not tell you whether anyone is living there. The seven checks that actually reveal occupation risk before you sign for a Spanish property.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/okupas-spain-law-2026-what-changed/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/okupas-spain-law-2026-what-changed/hero.jpg</image:loc>
      <image:title>Okupas in Spain: What the Law Actually Changed by 2026</image:title>
      <image:caption>One reform is in force, one decree was repealed, and the 24 hour eviction bill is not law. What actually applies to occupied property in Spain right now.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/swedish-buying-process-bidding-dutch-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/swedish-buying-process-bidding-dutch-buyer/hero.jpg</image:loc>
      <image:title>Buying a House in Sweden: Bidding, Contract and Keys</image:title>
      <image:caption>Swedish bids are open and non binding until signature, there is no cooling off period, and the survey is your problem. The full process for Dutch buyers.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/swedish-mortgage-non-residents-dutch-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/swedish-mortgage-non-residents-dutch-buyer/hero.jpg</image:loc>
      <image:title>Swedish Mortgage for Non Residents: A Dutch Buyer&apos;s Guide</image:title>
      <image:caption>Swedish banks lend to non residents, but on different terms. Deposit levels, the April 2026 rule change, amortisation, and how the Dutch route compares.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/swedish-second-home-costs-yield-dutch-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/swedish-second-home-costs-yield-dutch-buyer/hero.jpg</image:loc>
      <image:title>Second Home in Sweden: The Real Costs and the Real Return</image:title>
      <image:caption>Lagfart, fastighetsavgift, rental tax and 22 percent on exit. What a Swedish holiday home actually costs a Dutch buyer, and how Norway and Denmark compare.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/de/buying-property-germany-danish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-germany-danish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Germany as a Danish Buyer: No Permission Needed</image:title>
      <image:caption>Denmark decides who may own a Danish holiday home. Germany applies no nationality test at all, but transfer tax jumps from 0.6% to at least 3.5%.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/it/italy-short-let-tax-rules-2026-cedolare-secca/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/italy-short-let-tax-rules-2026-cedolare-secca/hero.webp</image:loc>
      <image:title>Italy Short Let Tax 2026: Cedolare Secca Now Stops at Two Flats</image:title>
      <image:caption>From the 2026 tax year cedolare secca on Italian short lets covers only two apartments, at 21% and 26%. A third makes the letting a business, with a VAT number.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/fr/buying-property-france-finnish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-france-finnish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in France as a Finnish Buyer: 1.5% Becomes 6%</image:title>
      <image:caption>You never owned the flat in Finland, only shares in the company. France sells the flat itself, and the duty goes from 1.5 percent to almost six.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/buying-property-spain-german-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-spain-german-buyer/hero.webp</image:loc>
      <image:title>Buying in Spain as a German Buyer: The Notar Illusion</image:title>
      <image:caption>Germans buy more Spanish homes by count than any nationality but the British. The Spanish notario looks like a Notar and protects you far less. Here is the gap.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/it/buying-property-italy-norwegian-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-italy-norwegian-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Italy as a Norwegian Buyer: 9% and the EEA</image:title>
      <image:caption>Norway is outside the EU, so Norwegians expect Italy&apos;s reciprocity test. It does not apply to them. What applies is 9% registration tax, or 2% on a main home.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/pt/buying-property-portugal-swedish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-portugal-swedish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Portugal as a Swedish Buyer: 0% Becomes 7.5%</image:title>
      <image:caption>A Swedish bostadsrätt carries no transfer tax at all. Portugal has no such tenure and charges a non-resident 7.5%, refunded only on a six month clock.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/buying-property-spain-british-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-spain-british-buyer/hero.webp</image:loc>
      <image:title>Buying in Spain as a British Buyer: The 24% Tax Nobody Warns You About</image:title>
      <image:caption>British owners pay 24% on gross Spanish rent while EU owners pay 19% on profit. But the resale rate is 19% for everyone, whatever you have read.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/fr/buying-property-france-danish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-france-danish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in France as a Danish Buyer: No Permission Needed</image:title>
      <image:caption>Denmark makes you apply for permission to own a home. France checks the deed, not the buyer. And your six days to withdraw become ten free ones.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/de/buying-property-germany-dutch-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-germany-dutch-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Germany as a Dutch Buyer: No Cooling Off Period</image:title>
      <image:caption>A Dutch buyer gets three days to dissolve the purchase. In Germany the notary reads the contract aloud and the signature binds you on the spot.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/it/buying-property-italy-finnish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-italy-finnish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Italy as a Finnish Buyer: No Housing Company</image:title>
      <image:caption>An asunto-osake has no Italian equivalent, and the tax shows it: 1.5% at home becomes 9% in Italy, or 2% with prima casa relief. Here is what else changes.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/pt/buying-property-portugal-german-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-portugal-german-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Portugal as a German Buyer: 7.5% IMT, 6 Months</image:title>
      <image:caption>Non-residents pay a flat 7.5% IMT in Portugal, with no relief at all. The binding moment also arrives long before any notary reads a word of the contract.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/buying-property-spain-norwegian-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-spain-norwegian-buyer/hero.webp</image:loc>
      <image:title>Buying in Spain as a Norwegian Buyer: Outside the EU, Inside the Rules</image:title>
      <image:caption>Norway is not in the EU, so Norwegians expect the higher Spanish tax rate. They do not pay it. EEA membership keeps them at 19%, and Schengen keeps them longer.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/dk/denmark-property-tax-rebate-new-buyers-2026/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/denmark-property-tax-rebate-new-buyers-2026/hero.webp</image:loc>
      <image:title>Danish Property Tax: New Buyers Get No Skatterabat in 2026</image:title>
      <image:caption>Denmark&apos;s tax rebate stops at the takeover date, so buyers pay the full rate from day one. The 2026 and 2027 valuations are now indexed and fixed by law.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/fr/buying-property-france-swedish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-france-swedish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in France as a Swedish Buyer: 1.5% to 6.32%</image:title>
      <image:caption>Swedish stämpelskatt is 1.5% plus 825 kronor. A French home costs 5.81% to 6.32% in duty, and buys you ten calendar days to change your mind.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/de/buying-property-germany-british-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-germany-british-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Germany as a British Buyer: The 7% You Skip</image:title>
      <image:caption>Britain adds 5% for a second home and 2% for non-residents. Germany adds neither: Grunderwerbsteuer runs 3.5% to 6.5%, set by the state, never the buyer.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/it/buying-property-italy-danish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-italy-danish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Italy as a Danish Buyer: 0.6% Becomes 9%</image:title>
      <image:caption>Registering a Danish transfer costs 0.6% plus 1,850 kroner. Italy charges 9% on a second home, or 2% on a main one. Here is the rest of what changes.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/pt/buying-property-portugal-dutch-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-portugal-dutch-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Portugal as a Dutch Buyer: 7.5% IMT, No Bedenktijd</image:title>
      <image:caption>Non-residents pay a flat 7.5% IMT in Portugal with no relief at all, and the three days to change your mind under Dutch law have no counterpart there.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/buying-property-spain-finnish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-spain-finnish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Spain as a Finnish Buyer: No Asunto-Osake, No 1.5%</image:title>
      <image:caption>Spain has no housing company. A flat is real property carrying the seller&apos;s unpaid community charges, and the transfer tax starts at 6%, not at 1.5%.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/fr/buying-property-france-german-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-france-german-buyer/hero.webp</image:loc>
      <image:title>Buying a House in France as a German Buyer: 6.32% Against 6.5%</image:title>
      <image:caption>France charges 5.81% to 6.32% in transfer duty on an existing home. That is above Bavaria&apos;s 3.5% and below the 6.5% of North Rhine-Westphalia.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/de/buying-property-germany-norwegian-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-germany-norwegian-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Germany as a Norwegian Buyer: The Bid Is Not a Deal</image:title>
      <image:caption>In Norway an accepted bid is binding. In Germany nothing binds until a Notar reads the Kaufvertrag aloud, and the transfer tax is set by the Bundesland.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/it/buying-property-italy-swedish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-italy-swedish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Italy as a Swedish Buyer: 1.5% Becomes 9%</image:title>
      <image:caption>Sweden charges 1.5% stämpelskatt and nothing on a bostadsrätt. Italy charges 9% on a second home, taxed on the price unless you ask for the cadastral value.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/pt/buying-property-portugal-british-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-portugal-british-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Portugal as a British Buyer: 7.5% IMT, 6 Months</image:title>
      <image:caption>Non-residents pay a flat 7.5% IMT with no relief of any kind. Two routes claw it back, but the application expires six months after you qualify.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/buying-property-spain-danish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-spain-danish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Spain as a Danish Buyer: The 10x Cost Jump</image:title>
      <image:caption>Registering a Danish home transfer costs 0.6% plus a fixed fee. The cheapest Spanish region charges 6%. Here is what else changes, and what does not.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/pt/portugal-alojamento-local-licence-freeze-2026/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/portugal-alojamento-local-licence-freeze-2026/hero.webp</image:loc>
      <image:title>Alojamento Local Freeze: New Short Let Licences Blocked in 2026</image:title>
      <image:caption>A decree of 30 July 2026 lets Portuguese councils with over 1,000 registered short lets extend a freeze on new alojamento local licences to 31 December 2026.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/fr/buying-property-france-dutch-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-france-dutch-buyer/hero.webp</image:loc>
      <image:title>Buying a House in France as a Dutch Buyer: 6.32% Against 8%</image:title>
      <image:caption>A French second home costs 5.81% to 6.32% in transfer duty, under the 8% the Netherlands now charges. And you get ten days to change your mind, not three.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/de/buying-property-germany-finnish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-germany-finnish-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Germany as a Finnish Buyer: No Housing Company</image:title>
      <image:caption>A Finnish flat is shares in a housing company. A German flat is Wohnungseigentum, governed by a Teilungserklärung, and the transfer tax at least doubles.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/it/buying-property-italy-german-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-italy-german-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Italy as a German Buyer: 9% Registration Tax</image:title>
      <image:caption>Paragraph 311b BGB pushes a German purchase through a notary. The Italian compromesso needs none, and Italy takes 9% where North Rhine-Westphalia takes 6.5%.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/pt/portugal-house-prices-2026-fastest-in-eu/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/portugal-house-prices-2026-fastest-in-eu/hero.webp</image:loc>
      <image:title>Portugal House Prices 2026: Fastest Rise in the EU</image:title>
      <image:caption>Portuguese house prices rose 17.8% in the year to Q1 2026, the fastest in the EU, while sales fell 8.7%. What that means for buyers and the IMT bands.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/pt/buying-property-portugal-norwegian-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-portugal-norwegian-buyer/hero.webp</image:loc>
      <image:title>Buying a House in Portugal as a Norwegian Buyer: 2.5% Becomes 7.5%</image:title>
      <image:caption>Norway charges 2.5% on market value at registration. Portugal charges a non-resident 7.5% on the deal, and the EEA appears nowhere in that rule.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/es/buying-property-spain-swedish-buyer/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/buying-property-spain-swedish-buyer/hero.webp</image:loc>
      <image:title>Buying in Spain as a Swedish Buyer: There Is No Budgivning</image:title>
      <image:caption>Swedish buyers expect open SMS bidding and a 1.5% lagfart. Spain has neither. What replaces them costs more and binds you earlier than you think.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/news/se/sweden-lagfart-coordination-number-foreign-buyers/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/images/news/sweden-lagfart-coordination-number-foreign-buyers/hero.webp</image:loc>
      <image:title>Lagfart for Foreign Buyers: Sweden&apos;s New ID Rule from July 2026</image:title>
      <image:caption>From 1 July 2026 foreign buyers need a Swedish personnummer or samordningsnummer to register title. Skatteverket puts the wait at up to 13 weeks.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://aimyndi.ai/sample-report/</loc>
    <image:image>
      <image:loc>https://aimyndi.ai/staging/01.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 01</image:title>
      <image:caption>AiMYNDi virtual staging, before/after preview of an unfurnished apartment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://aimyndi.ai/staging/02.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 02</image:title>
      <image:caption>AiMYNDi virtual staging, before/after preview of an unfurnished apartment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://aimyndi.ai/staging/03.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 03</image:title>
      <image:caption>AiMYNDi virtual staging, before/after preview of an unfurnished apartment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://aimyndi.ai/staging/04.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 04</image:title>
      <image:caption>AiMYNDi virtual staging, before/after preview of an unfurnished apartment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://aimyndi.ai/staging/05.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 05</image:title>
      <image:caption>AiMYNDi virtual staging, before/after preview of an unfurnished apartment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://aimyndi.ai/staging-mobile/01.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 01 (mobile)</image:title>
      <image:caption>AiMYNDi virtual staging, mobile-optimized before/after preview.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://aimyndi.ai/staging-mobile/02.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 02 (mobile)</image:title>
      <image:caption>AiMYNDi virtual staging, mobile-optimized before/after preview.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://aimyndi.ai/staging-mobile/03.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 03 (mobile)</image:title>
      <image:caption>AiMYNDi virtual staging, mobile-optimized before/after preview.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://aimyndi.ai/staging-mobile/04.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 04 (mobile)</image:title>
      <image:caption>AiMYNDi virtual staging, mobile-optimized before/after preview.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://aimyndi.ai/staging-mobile/05.webp</image:loc>
      <image:title>Virtually staged Scandinavian interior 05 (mobile)</image:title>
      <image:caption>AiMYNDi virtual staging, mobile-optimized before/after preview.</image:caption>
    </image:image>
  </url>
</urlset>
