Jim – regarding the advance IVA payments, there was quite a good thread on this subject:
https://www.spanishpropertyinsight.com/forums/viewtopic.php?t=1246&highlight=iva
Would you willingly pay taxes in advance unnecessarily – and not even to the tax man but to a private company? I know I wouldn’t.
No good lawyer of any prospective purchaser would advise their client to pay this. Just the appropriate % in proportion to the deposit.