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  4. Michail Konon

Michail Konon

Belarus, Минск
;
Write to me
Number of publications
180
Language
English, Русский
Email
m.konon@realting.com
About specialist
  • Experience: 1 year
As a сontent writer, I aim to explore each topic to its full potential, addressing every possible 'why' a reader might have along the way. While I may not yet hold the title of an expert, I place great importance on the accuracy and relevance of everything I write.
Publications by the author
Alienation of Real Estate: Legal Forms, Documents, Risks
23/05/2025, 06:00
Alienation
Medical System in Finland for Foreigners: How KELA Works and What to Do Without Residency
22/05/2025, 13:00
Health Care in Finland for Foreigners: Prices, KELA Insurance and Practical Tips
When a City Name Becomes a Meme: 10 Funny Examples From Around the World
21/05/2025, 13:00
Cities in the World With Names That Make Tourists Smile
Real Estate Finishing: Types, Features, Advantages
21/05/2025, 09:30
Finishing
I Wish I’d Known This Sooner: Top Hacks for Saving on Flights
19/05/2025, 14:30
How to Save on Airfare: Top Lifehacks for Saving on Airfare
How and When to Pay Taxes in Thailand: An Up-to-Date Guide
16/05/2025, 12:00
Thailand’s Tax System: What Foreigners and Tourists Need to Know
How is an Independent Property Valuation Carried Out?
16/05/2025, 07:00
Independent Property Valuation
Austria Still Hasn’t Abolished the Tax on Real Estate
15/05/2025, 11:50
Austria Maintains Property Purchase Tax Despite Government Promises
The UK is Dramatically Changing its Migration Policy: We’ve Found Out How
15/05/2025, 11:30
UK Tightens Policy on Foreigners: Breakdown on the New Requirements
Non-Residential Premises: Characteristics, Types and Features of Use
14/05/2025, 13:13
Non-Residential Premises
An Overview of Traditional Stone Houses in Montenegro That are Not Inferior to Modern Villas
13/05/2025, 10:30
Kotor, Tivat, Budva: Choosing Real Estate on the Montenegrin Coast
How to Make any Apartment Really Cozy: Proven Methods
12/05/2025, 06:00
Making an Apartment Cozy: 5 Elements That will Work Wonders
What is Real Estate: Main Features and Characteristics
12/05/2025, 06:00
Real Estate
Work in Turkey for Foreigners: How to Find and What Documents Are Needed
09/05/2025, 07:00
Employment in Turkey: Vacancies, Average Salary and Features of Obtaining a Work Permit
What is a Master Bedroom? An Overview of All Functional Zones
08/05/2025, 09:30
Master Bedroom
How to Get a Mortgage in Austria: Conditions, Process, and Requirements
08/05/2025, 09:00
Mortgage for Real Estate in Austria: Current Rates and Conditions
What is a Small-Family House: Features and Differences From Other Types of Housing
07/05/2025, 06:00
Small-Family House
How to Buy a House or Apartment in Austria: Requirements, Process, and Cost
07/05/2025, 06:00
Buying Real Estate in Austria: Main Stages, Prices, and Regional Features
How to Buy an Apartment in Albania — Guide
06/05/2025, 06:00
How to Buy Property in Albania: A Step-by-Step Guide
Who is a Mackler and How is He Different From a Broker and a Realtor?
06/05/2025, 06:00
Mackler
Kazakhstan Launches “Golden Visa” — All Details
05/05/2025, 13:30
Kazakhstan launches “Golden Visa” for Investors — a New Way to Get a Residence Permit
Property Location: What Affects Attractiveness?
05/05/2025, 06:00
Location
From Rent to Groceries. How Much Does It Cost to Live in Dubai
05/05/2025, 06:00
Is It Expensive to Live in Dubai? Cost Overview
Loggia: What is It, and How is It Different From a Balcony?
02/05/2025, 07:00
Loggia
How to Turn a Small Apartment into a Cozy and Functional Space
30/04/2025, 12:30
Organizing Space in a Small Apartment: 10 Effective Solutions
Alberta Nominee Program (AAIP)
29/04/2025, 07:00
Requirements of the Provincial Immigration Program to Alberta
America's 10 Happiest Cities — Ranking
26/04/2025, 06:00
America's Happiest Cities: The Top 10 Places Where Residents Find Joy
How to Make an Apartment Safe for Kids: the Main Risk Areas and Ways to Eliminate Them
25/04/2025, 08:30
Child Safety in the Apartment: Effective Ways to Protect Them From Household Dangers
How Much Does It Cost to Maintain Housing in the US? All About Property Taxes in the USA
25/04/2025, 06:00
How Much Does It Cost to Own a Home in the US: Taxes and Other Expenses
Albania Launched Residence Permit Programs for Pensioners and Digital Nomads: Current Conditions
24/04/2025, 12:00
Albania Residence Permit Without Unnecessary Bureaucracy: Special Programs for Retirees and Remote Workers
Nova Scotia Provincial Nominee Program (NSNP)
23/04/2025, 13:00
How to Apply for Nova Scotia's Provincial Immigration Program
How Snoop Dogg Invests in Real Estate: From Mansions in California to Land in the Meta-universe
22/04/2025, 13:00
Virtual Real Estate Pioneer and Smart Real-World Investor: Snoop Dogg’s Real Estate Overview
Real Estate Line: What is it, and How is It Formed
22/04/2025, 13:00
Real Estate Line
Thailand Switches to Digital Arrival Cards From May 1, 2025: What Tourists Need to Know
22/04/2025, 09:00
How to Issue a Digital Arrival Card in Thailand: Understand the New Entry Rules
Buying and Selling Real Estate in Italy: All About Taxes and How to Optimize Them
21/04/2025, 11:30
All Property Taxes in Italy: From Purchase to Sale
Manitoba Provincial Nominee Program (MPNP)
18/04/2025, 10:00
Provincial Manitoba Immigration Program
Buying Real Estate in Turkey: What You Need to Know Before the Deal
17/04/2025, 13:00
Investing in Real Estate in Turkey: Pros, Cons, and the Buying Process
What is Real Estate Liquidity and How to Increase It?
17/04/2025, 11:00
Real Estate Liquidity
What is a Lounge Balcony: Characteristics and Types
16/04/2025, 11:00
Lounge Balcony
Wealth Tax in Different Countries of the World: How Different Countries Regulate Taxes for Wealthy Citizens
15/04/2025, 14:00
Wealth Tax: Which Countries and How They Tax Wealthy Citizens
Common Area Ratio (CAR): Calculation and Application
15/04/2025, 13:00
Common Area Ratio
Atlantic Immigration Program (AIP) in Canada
15/04/2025, 10:00
Features of the Canadian Atlantic Immigration Program
From the Arctic Circle to the Subtropics: How People Live in 10 Different Cities in Russia
14/04/2025, 14:00
Life in Russia on the Example of 10 Cities with Different Climate and Investment Potential
Cottage Village: Types, Classification and Features
14/04/2025, 08:00
Cottage Village
What is a Cottage: Main Characteristics and Features
11/04/2025, 07:00
Cottage
Comfort Class Housing: Features and Characteristics
10/04/2025, 07:00
Comfort Class
Utilities: A Complete Overview and Classification
09/04/2025, 09:00
Public Utilities
What is Commercial Real Estate
08/04/2025, 07:00
Commercial Real Estate
Germany Has Banned the Purchase of Real Estate with Cash and Cryptocurrency. What About Other Countries?
08/04/2025, 06:00
You Can't Buy Property in Germany with Cryptocurrency and Cash — Reasons and Comparison with Other Countries
Prince Edward Island Provincial Nominee Program (PEIPNP)
08/04/2025, 06:00
Features of the Prince Edward Island Provincial Program
Can a Pig Be Called Napoleon? Ridiculous Laws From Around the World That Are Hard to Believe
07/04/2025, 08:30
Absurd Laws That Are Still in Force Around the World
Counterparties in Real Estate: Who They Are and What Role They Play
07/04/2025, 08:30
Counterparty
What is Commercial Rent
04/04/2025, 07:00
Commercial Rent
Saskatchewan Provincial Nominee Program (SINP)
04/04/2025, 06:00
Saskatchewan Immigration Program: Details and Conditions
Buying Property in Italy: Step-by-Step Process and Mistakes to Avoid
03/04/2025, 08:30
Buying Real Estate in Italy — Rules and Features of the Transaction
Commission: Types, Features and Calculation of Remuneration
03/04/2025, 06:00
Commission (Commission Fee)
What is an Apartment with a Private Entrance
02/04/2025, 12:23
Apartments with Private Entrance
Canadian Agri-Food Immigration Pilot Program (AFIP)
01/04/2025, 06:00
Agri-Food Immigration Pilot Program to Canada
Apartment: Types, Features and Characteristics
28/03/2025, 07:00
Flat
Federal Skilled Trades (FST) Program in Canada
28/03/2025, 06:00
Canada Federal Skilled Trades Program
Lease Agreement: What Do Landlords and Tenants Need to Know?
27/03/2025, 06:00
Lease Agreement
Frame Houses — Technologies, Types, Advantages
26/03/2025, 08:00
Frame House
From Unemployment Rates to the Big Mac Index. Where Young People in Europe Have the Best and Worst Life in Europe
26/03/2025, 06:00
Where in Europe Young People Live Well: Ranking of Countries by Housing Affordability, Work, and Security
How Does Cadastral Registration of Real Estate Work?
24/03/2025, 14:00
Cadastre
Economic Mobility Pathways Pilot Project (EMPP) in Canada
24/03/2025, 11:00
Immigration to Canada through the Economic Mobility Pathways Project
How to Refund Tax Free in the UAE — All the Nuances and Current Conditions
21/03/2025, 10:00
VAT Refund When Shopping in the UAE — a Complete Guide
How a Mortgage Works: Basic Rules and Mechanisms
21/03/2025, 06:00
Mortgage (Real Estate Pledge)
Real Estate Infrastructure — Types and Impact on Cost
20/03/2025, 09:30
Infrastructure
Living Space of an Apartment: What is Important to Know
19/03/2025, 14:00
Living Area of ​​the Apartment
How to Draw Up a Contract with a Realtor
17/03/2025, 12:00
Agreement for the Provision of Real Estate Services
1.1 Million New EU Citizens in 2023: Top Migration Destinations and Main Source Countries for Expats
17/03/2025, 09:00
EU Migration 2023: Top 5 Countries Issuing the Most Passports
How to Draw Up a Housing Lease Agreement: the Main Points
14/03/2025, 07:00
Residential Lease Contract
Canadian Family Sponsorship Program
14/03/2025, 06:00
Immigration Family Reunification Program in Canada
Real Estate Purchase and Sale Agreement: What You Need to Know When Concluding It
13/03/2025, 11:00
Real Estate Sale Agreement
What is a Residential Complex?
12/03/2025, 08:30
Residential Complex
What is a Land Registry?
07/03/2025, 09:00
Land Registry
Canadian Experience Class (CEC) Program
07/03/2025, 06:00
Features of the Canadian Experience Class Immigration Program
A House for €1 and €30,000 on Top of That: How to Move to the Italian Countryside in 2025
06/03/2025, 13:51
Italian Regions That Pay to Move: How to Get a Grant and Live in a Picturesque Village
What to Read for Real Estate Agents: Top 8 Books
06/03/2025, 13:00
Books Worth Reading for Real Estate Agents
Skylight Window: Types, Advantages and Application
06/03/2025, 07:30
Zenith window
Where to Buy an Apartment in Moscow for Up to €75,000: Overview
05/03/2025, 13:00
The Most Affordable Apartments in Moscow: Analysis of 8 Budget Options
Donald Trump's Real Estate: What the 47th US President Really Owns
05/03/2025, 13:00
Donald Trump's Real Estate Empire: From Mar-a-Lago to Trump Tower — a Complete Overview of the President's Assets
Information About the Property: What You Need to Know
05/03/2025, 11:00
Information About the Property
Individual Planning: Personalizing the Space to Suit Your Needs
05/03/2025, 11:00
Individual Planning
How Real Estate Tokenization Works: Detailed Breakdown
03/03/2025, 13:00
How Tokenization Makes Luxury Real Estate Accessible to Everyone: a Guide
British Columbia Provincial Nominee Program (BC PNP)
03/03/2025, 10:00
Immigration to British Columbia through a Provincial Program
Canadian Citizenship
28/02/2025, 06:00
How to Get Canada Citizenship – a Detailed Guide
Falling Prices and 70 Million Empty Apartments: What's Happening to China's Real Estate Market?
27/02/2025, 09:00
China's Real Estate: How Developers' Debts Led to a Crisis in the Market
Minimum Wages in European Countries 2025: Official Data From Eurostat
26/02/2025, 08:30
Ranking of EU Countries by Minimum Wages with Inflation and PPS
Sharjah Overtaking Dubai? The Number of Real Estate Transactions in This Emirate Up 102% in a Year
26/02/2025, 08:00
Real Estate 60% Cheaper Than Dubai: Why Investors are Choosing Sharjah in 2025
Why did Elon Musk Sell All His Mansions, and Where Does He Live Now?
25/02/2025, 08:00
Is it True That Elon Musk Has Given Up All His Real Estate? An Overview
How to Apply for Canadian Permanent Residence
24/02/2025, 11:00
How to Become a Canadian Permanent Resident
Сanada Temporary Residence Permit
20/02/2025, 06:00
Сanada Temporary Residence Permit: How to Get One
China will Launch “Silver Trains”. What are They For?
19/02/2025, 06:00
China's “Silver Trains”: How the Country is Developing Tourism for Senior Citizens
Tourist Taxes, Bans, and Restrictions in Europe in 2025: What Travelers Need to Know
18/02/2025, 14:20
How the Rules for Tourists in Europe will Change in 2025: an Overview of All Restrictions
Real Estate Dealer: Who is He And How Does He Make Money?
17/02/2025, 07:00
Real Estate Dealer
Real Estate Trust Management: What Is It And How Does It Work?
17/02/2025, 07:00
Trust Management
Demarcation: How to Correctly Establish Land Boundaries?
14/02/2025, 07:00
Demarcation
How to Do a Designer Renovation: Stages And Tips
14/02/2025, 06:00
Designer Renovation
Greeks Give a Third of Their Income to Pay for Housing. What is the Situation in Other EU Countries?
13/02/2025, 10:34
What Percentage of Their Income Do EU Residents Spend on Housing? Statistics and Reasons
What a Developer Does: From Finding Land to Selling Properties
13/02/2025, 07:00
Developer
Real Estate Development: Key Stages And Types of Projects
13/02/2025, 07:00
Development
Quebec Selected Skilled Workers Program
13/02/2025, 06:00
Canada's Quebec Selected Skilled Workers Program
Freelancers and IT Specialists Now Have Easier Access to New Zealand: What Has Changed in Visa Regulations?
12/02/2025, 11:57
New Zealand’s New Visa Rules For Freelancers and Remote Workers — Breakdown
What is a Patio And How is It Used in Architecture?
12/02/2025, 07:00
Patio Courtyard
State Registration of Real Estate: What Is It And Why Is It Necessary?
12/02/2025, 07:00
State Registration of Real Estate
Secondary Housing: Pros, Cons, And Important Nuances of Purchase
11/02/2025, 07:00
Secondary Market
General Plan: Structure, Functions, And Significance for Territorial Development
11/02/2025, 07:00
General Plan
Black Friday in the Australian Rental Market, or How is It That in Australia You Can Rent Accommodation at a Significant Discount, And Sometimes For Free?
11/02/2025, 06:00
A Month's Accommodation is Free. Why is Renting in Australia Getting Cheaper?
Where are the Most Expensive Homes for Sale in the World? Spoiler — Not in Dubai Anymore
11/02/2025, 06:00
These are the Countries That Sell the Most Expensive Housing. Rating
What is a Barrier Free Environment?
10/02/2025, 06:00
Barrier-Free environment
Real Estate Ownership: Main Types and Features
10/02/2025, 06:00
Real Estate Ownership
Why do You Dream About Buying an Apartment?
07/02/2025, 06:00
Why do You Dream of an Apartment: Interpretation of Dream Books and Expert Explanations
Property Taxes in Montenegro
06/02/2025, 06:00
Taxes on Buying and Selling Real Estate in Montenegro
Cyprus Attracts Startups: New Terms of “Startup Visa” Program From 2025
04/02/2025, 11:00
“Startup Visa” in Cyprus: New Rules for Entrepreneurs From 2025
Grenada Has Launched a New Citizenship by Invitation Program. Who Will be Able to Participate?
31/01/2025, 08:30
“Citizenship by Invitation” — Grenada’s New Investment Program
Why is Dubai Building a Specialised Crypto Skyscraper?
30/01/2025, 10:30
Blockchain Real Estate will Appear in Dubai: What We Know About the Construction of Crypto Tower
Russian Mortgage Rates: Why Are They Rising So Quickly?
30/01/2025, 07:30
How the Mortgage Market Has Changed in Russia in A Few Recent Years
457 Plots in Dubai Converted to Freehold: Conditions And Process
29/01/2025, 09:00
New Freehold Zones in Dubai: Details
Portugal’s Migration Crisis: 230,000 Citizenship Applications Over 2024
28/01/2025, 09:00
Record Increase in Portuguese Citizenship Applications: Reasons and Waiting Times
Newfoundland and Labrador Provincial Nominee Program (NLPNP)
27/01/2025, 14:43
Features of the Immigration Program to Newfoundland and Labrador
Los Angeles Wildfires: Loss Statistics and Impact on the Local Real Estate Market
27/01/2025, 10:01
Impact of the Los Angeles Wildfires on the Local Real Estate Market
Trump's executive order on citizenship: new rules for migrant children in 2025
24/01/2025, 14:00
Changing the 14th Amendment: Trump restricts automatic citizenship
Why are Young Americans Choosing the Suburbs Over Metropolitan Areas?
24/01/2025, 09:00
American Young People are Increasingly Moving From Metropolitan Areas to the Suburbs: Reasons and Consequences
Cryptocurrencies in Real Estate Transactions: Taxes and Regulation
22/01/2025, 14:00
Taxation of Cryptocurrency Real Estate Transactions: International Practice
Kuwait Real Estate Market Reached $9 Billion in 2024: Analysis and Forecasts
22/01/2025, 07:30
Kuwait Real Estate Market Overview: Statistics, Prices and Forecast for 2025
Top Safest Cities in US to Live in
22/01/2025, 06:00
A List of the Safest Cities in the United States of America
Ontario Nominee Program (OINP)
21/01/2025, 09:00
Features of Ontario's Provincial Immigration Program
US Taxes. Top States with the Lowest and Highest Taxes
20/01/2025, 12:48
Taxation in the US. Ranking of States with the Highest and Lowest Taxes
World Passport Rankings: Who's Leading the Way in 2025
17/01/2025, 06:00
Passport Index 2025: Which Countries Offer More Visa-Free Travel
Self-employed Persons Program in Canada
17/01/2025, 06:00
Canadian Self-employed Persons Immigration Program
How the Common Visa area of Russia and Belarus Works from 2025
16/01/2025, 07:00
Single Visas of Russia and Belarus: New Entry Rules From January 2025
How a Foreigner Can Buy Real Estate in Russia. The Complete Guide for International Buyers
15/01/2025, 06:00
Features of Buying Real Estate in Russia
Where and Why Americans are Emigrating En Masse After Trump's Victory in 2024
15/01/2025, 06:00
US Emigration Surge: How Trump's Victory Has Affected Americans' Desire to Relocate
UK Entry Requirements 2025: Everything You Need to Know About ETA System
11/01/2025, 09:00
Travel to UK: £10 Travel Permit for EU and Visa-Exempt Countries
How to Get an E-Visa to Thailand in 2025: Step-by-Step Instructions
10/01/2025, 13:00
E-Visa Thailand: How to Get an Electronic Visa in 2025
Visa-Free Entry to the US is Now Available for Romanians: How the Visa Waiver Program Works
10/01/2025, 13:00
Visa Waiver Program for Romanian Citizens: All Details
Romania and Bulgaria are Now Officially in Schengen: What Will Change for Citizens and Authorities of These Countries?
09/01/2025, 12:00
Romania and Bulgaria Officially in Schengen: Details
Quebec Immigrant Investor Program (QIIP)
07/01/2025, 07:00
Quebec Immigrant Investor Program in Canada
Property Taxes in Poland
23/12/2024, 06:00
Peculiarities of Paying Real Estate Taxes in Poland
Housing Law in Spain. Important Points
17/12/2024, 13:00
Changes to the Housing Law in Spain
International Experience Canada Program (IEC)
16/12/2024, 06:00
International Experience Immigration Program in Canada
How to Open a US Bank Account
11/12/2024, 08:00
How to Open a Bank Account in the USA
Business Immigration to Canada: Entrepreneur Program
06/12/2024, 06:00
How to Move to Canada as a Business Entrepreneur
Immigration to Canada through study
29/11/2024, 06:00
How to Move to Canada Through a Study Program
Mortgage for Property in Poland. How to Get a Loan for Foreigners
26/11/2024, 06:00
How to Get a Home Loan in Poland
Canada Immigration Programs
25/11/2024, 11:00
Canadian Immigration Process. Programs’ Requirements
Taxes in Germany
15/11/2024, 07:00
All Types of Taxes in Germany
Backyard: What Is It, Popular Styles and Furnishing Ideas
31/10/2024, 13:00
Backyard
Property Owner: Rights, Obligations and Differences From the Owner
31/10/2024, 13:00
Property Owner
Block House: Design Features and Types of Materials
29/10/2024, 12:00
Block House
Real Estate Broker: Role, Services and Benefits of Cooperation
29/10/2024, 11:00
Real Estate Broker
Business Center: Modern Business Space
29/10/2024, 07:00
Business Center
Block in Real Estate: Features, Types and Legal Status
29/10/2024, 07:00
Block
Rent: everything you need to know about temporary use of property
25/10/2024, 06:00
Rent
Tenant: rights, obligations, and role in the lease agreement
25/10/2024, 06:00
Tenant
Rental Payment: Everything a tenant and landlord need to know
25/10/2024, 06:00
Rental Payment
How to Find Work in Germany. Guide for Foreign Job Seekers
24/10/2024, 07:00
Finding a Job in Germany: All About Visas, Salaries and Taxes
Transaction Report: Importance, Content, And Rules of Execution
18/10/2024, 09:00
Transaction Report
Who is a Beneficiary
18/10/2024, 07:00
Beneficiary
Underwriting: What it is and Why It is Important in the Financial Sector
18/10/2024, 07:00
Underwriting
Shell&Core: What It is in Real Rstate
10/10/2024, 13:00
Shell&Core
Emigration: What you Need to Know About Moving to Another Country
10/10/2024, 06:00
Emigration
Eclecticism in the Interior: Principles And Examples
09/10/2024, 07:00
Eclecticism
Advantages and disadvantages of final finishing
07/10/2024, 11:00
Final Finishing
UAE Property Inheritance Rules
02/10/2024, 06:35
Real Estate and Property Inheritance in the UAE
Retire in Dubai. How to Get a Dubai Retirement Visa
26/09/2024, 07:00
Retire in Dubai Program. Residence Permit in Dubai for Pensioners
Mortgage in Cyprus. How to Take a Loan to Buy Cypriot Property
16/09/2024, 07:00
How to Get a Mortgage in Cyprus to Buy Real Estate
Cyprus Property Taxes
21/08/2024, 09:00
Buying and Selling Property Taxes in Cyprus
Buying Property in the UAE. How to Get a Golden Visa by Investment
20/08/2024, 08:00
How to Buy Property in Dubai and Other Emirates
Top Perspective Cities in Greece for Permanent Residence
05/08/2024, 13:35
Promising Cities and Neighborhoods in Greece for Relocation
Canadian Visa: Types, Prices, Requirements and Needed Documents
29/07/2024, 15:10
How to Obtain a Canadian Visa. All Requirements and Needed Documents
Cyprus Golden Knowledge Program to Attract Tech Talent
09/07/2024, 07:00
How Cyprus Attracts Talent — Details of the Golden Knowledge Program
How to Bring your Turn Pet into Turkey: A Comprehensive Guide
03/07/2024, 06:00
How the Process of Importing Animals to Turkey Works: Rules, Documents, and Peculiarities
UAE Golden Visa Ultimate Guide
26/06/2024, 10:00
How to Get a Golden Visa in the UAE
How to Find a Job in North Cyprus
21/06/2024, 07:00
A Detailed Guide to Finding a Job in North Cyprus
How to Find a Job in the Czech Republic
10/06/2024, 07:00
Detailed Guide on Finding a Job in the Czech Republic
How to Find a Job in the UAE
03/06/2024, 07:00
Features of Work in the UAE: Job Search, Salary Level and Specifics of Employment
Best Cities for Property Investment in Cyprus
28/05/2024, 10:29
Best Cities to Invest in Cyprus Real Estate
Golden Visa in Spain. How to Get Spanish Citizenship by Investment
22/05/2024, 07:00
Spain Golden Visa Program
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