Cloud Nine Spain
Cloud Nine Spain
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Joyce Little - Meet the Team
Get to know Joyce Little, a seasoned director at Cloud Nine Spain with over six years of experience on the beautiful Costa del Sol. Joyce brings a wealth of knowledge from her background in corporate sales across the USA and Canada, and now, she’s applying her expertise to help clients find their dream homes in Spain.
Joyce shares her personal journey as an expat, highlighting what makes Costa del Sol so appealing-its lifestyle, weather, and the Mediterranean diet. As a consultant and advisor, she takes pride in guiding her clients through the buying process, whether they’re looking for an investment property, a holiday home, or a permanent residence.
Get in touch with Joyce:
Telephone/WhatsApp: +34 689 51 26 64
Email: joyce@cloudninespain.com
cloudninespain.com/
Follow us on Social:
CloudNineSpain
www.linkedin.com/company/cloud-nine-spain/
cloud_nine_spain
Переглядів: 3 612

Відео

Does Spain Hate Tourists? #roundtable #podcast
Переглядів 3,7 тис.4 години тому
In this Round Table podcast, hosted by Sean Woolley from Cloud Nine Spain, Darren Simons, Amy, and Gary Akehurst join the discussion to explore the growing concerns and impacts of mass tourism in Spain. The panel specifically focuses on anti-tourism protests and their effects on the real estate and holiday rental markets. Key issues discussed include the rising opposition to short-term rentals ...
Amy Akehurst - Meet the Team
Переглядів 3,2 тис.16 годин тому
Join Amy Akehurst as she shares her journey from selling luxury cars in the UK to becoming a property consultant on the Costa del Sol. Learn about her personalized approach to finding dream homes, tips for prospective buyers, and why the Spanish lifestyle is attracting so many expats. Get in touch with Amy: amy@cloudninespain.com 34 711 08 31 46 amy_cloudnine www.linkedin.com/in/...
This Is Something Else: Design Hills Marbella - Dolce&Gabbana #brandedresidences
Переглядів 3 тис.День тому
Explore the exciting new trend of branded residences on Spain's Costa del Sol, with a focus on the groundbreaking Dolce & Gabbana Design Hills project in Marbella. This video delves into how this development is setting new standards for luxury living, seamlessly blending high-end fashion with real estate. We discuss the unique features, pricing, and the significant impact this project will have...
Jackie Waters - Meet the Team
Переглядів 78614 днів тому
Meet Cloud Nine Spain Director Jackie Waters. Find out about her experience, what she loves about living in Spain and her advice to people thinking about buying on the Costa del Sol. Get in touch with Jackie Tel: 34 690 98 52 05 Email: jackie@cloudninespain.com Follow Jackie on Social: jackie_cloudnine www.linkedin.com/in/jackie-waters-660b8a24b/ Get in touch with Cloud Nine Spai...
Luxurious €1,995,000 Villa with Panoramic Sea Views in Monte Mayor, Benahavis | R4776766
Переглядів 2,5 тис.14 днів тому
Learn More: Discover this extraordinary property in the serene Monte Mayor area of Benahavis, near Marbella. Perched atop one of the highest points in Monte Mayor, this contemporary residence offers breathtaking vistas of the sea, Monte Mayor valley, Marbella, and Gibraltar. Don't miss the opportunity to explore this stunning eco-friendly home. Perfect for those seeking a serene and luxurious l...
Costa del Sol Market Update with Darren Simons | August 2024 #realestate #marbella
Переглядів 1,6 тис.14 днів тому
Cloud Nine Spain COO Darren Simons provides the latest updates on the Spanish property market, including recent trends in property prices and developments regarding the Golden Visa program. Key points covered: - Moderate growth in the Spanish property market, with a 3% increase in property sales and a 1.3% rise in average price per square meter - Regional focus on Andalucia's market performance...
See Inside this Exceptional €2,900,000 Villa in Monte Mayor, Benahavis
Переглядів 74614 днів тому
Learn More: cloudninespain.com/en/listing/spain/benahavis/benahavis/villa/455172/ Darren Simons presents a modern classic 5-bedroom detached villa located in the exclusive Monte Mayor area of Benahavis, Spain and offers a blend of elegance, comfort, and breathtaking views. As you enter the villa, you are greeted by a unique gallery bridge that gracefully overlooks the expansive open-plan living...
Broadcaster and Footballing Legend Andy Gray | Testimonial
Переглядів 2,3 тис.14 днів тому
Sean Woolley from Cloud Nine Spain welcomes Andy Gray, an esteemed sportsman and broadcaster, who recently purchased a property in Marbella, Southern Spain. Andy shares that he has a long history with the area, having visited since the mid-'70s and previously owning a place near Puerto Banus. Now, as he approaches the end of his career, he and his wife Rachel decided to explore relocating, and ...
From Stress to Bliss: A 20-Year Journey of Living in Spain | Testimonial #marbellarealestate
Переглядів 3,9 тис.21 день тому
Join Sean Woolley, Managing Director of Cloud Nine Spain, as he chats with his longtime friend and client, Mark Pepper. Mark shares his experience of moving to Spain, purchasing a property in Elviria, and how it transformed his lifestyle. Reflecting on the past 20 years, Mark discusses the benefits of owning a holiday home in Spain, the joys of family vacations, and how the region has evolved o...
Drive-through Guide to La Heredia & El Madroñal, Benahavis | CARPOOL COSTA
Переглядів 4,7 тис.28 днів тому
Drive-through Guide to La Heredia & El Madroñal, Benahavis | CARPOOL COSTA
Property in Focus - Episode 1 Monte Mayor
Переглядів 3,2 тис.Місяць тому
Property in Focus - Episode 1 Monte Mayor
What Discount Can I Expect? | #bitesize Ep17 #costadelsol #marbella
Переглядів 2,9 тис.Місяць тому
What Discount Can I Expect? | #bitesize Ep17 #costadelsol #marbella
Understanding the 2-Bed Apartment Market on the Costa del Sol | #bitesize Ep16 #realestateadvice
Переглядів 3,9 тис.Місяць тому
Understanding the 2-Bed Apartment Market on the Costa del Sol | #bitesize Ep16 #realestateadvice
Therese Rosenberg - Meet the Team
Переглядів 3,8 тис.Місяць тому
Therese Rosenberg - Meet the Team
Gary Akehurst - Meet the Team
Переглядів 3,9 тис.Місяць тому
Gary Akehurst - Meet the Team
Debbie Lush - Meet the Team
Переглядів 3,9 тис.Місяць тому
Debbie Lush - Meet the Team
It's Been an Emotional Rollercoaster
Переглядів 3,5 тис.Місяць тому
It's Been an Emotional Rollercoaster
Why Waiting for Interest Rates to Drop More Could Cost You | #bitesize Ep15 #costadelsol
Переглядів 3 тис.2 місяці тому
Why Waiting for Interest Rates to Drop More Could Cost You | #bitesize Ep15 #costadelsol
Costa del Sol Market Update June 2024 with Sean Woolley & Darren Simons
Переглядів 3,8 тис.2 місяці тому
Costa del Sol Market Update June 2024 with Sean Woolley & Darren Simons
Introduction to Franke & de La Fuente Costa del Sol Law Firm with Peter Franke & Justin Mowle
Переглядів 1,1 тис.2 місяці тому
Introduction to Franke & de La Fuente Costa del Sol Law Firm with Peter Franke & Justin Mowle
Introducing Therese Rosenberg
Переглядів 1,7 тис.2 місяці тому
Introducing Therese Rosenberg
See Inside this €1,950,000 Modern Villa in el Paraiso, Estepona
Переглядів 5832 місяці тому
See Inside this €1,950,000 Modern Villa in el Paraiso, Estepona
Presenting The New Cloud Nine TV Studio! #marbellarealestate #costadelsolproperty
Переглядів 1,5 тис.2 місяці тому
Presenting The New Cloud Nine TV Studio! #marbellarealestate #costadelsolproperty
Answers at Last! New Holiday Rental Rules with Miguel Manzanares #marbella #costadelsol
Переглядів 1,7 тис.2 місяці тому
Answers at Last! New Holiday Rental Rules with Miguel Manzanares #marbella #costadelsol
Tour This Modern & Contemporary Style Apartment in Riverside, Benahavis | R4741765
Переглядів 2,8 тис.2 місяці тому
Tour This Modern & Contemporary Style Apartment in Riverside, Benahavis | R4741765
G is for Golf - Monte Mayor Residents Golf Day 2024 | Behind the Scenes with Sean & Darren
Переглядів 2,9 тис.2 місяці тому
G is for Golf - Monte Mayor Residents Golf Day 2024 | Behind the Scenes with Sean & Darren
Tour Villa La Pionera a Charming €1,950,000 Villa in Monte Mayor, Benahavis | R4352704
Переглядів 8 тис.3 місяці тому
Tour Villa La Pionera a Charming €1,950,000 Villa in Monte Mayor, Benahavis | R4352704
Justin Mowle, International Business Development Director #marbella #spain #goldenvisa
Переглядів 3,8 тис.3 місяці тому
Justin Mowle, International Business Development Director #marbella #spain #goldenvisa
N is for Notary | Behind the Scenes with Sean & Darren BTS01 #marbella #realestateagent
Переглядів 2,2 тис.3 місяці тому
N is for Notary | Behind the Scenes with Sean & Darren BTS01 #marbella #realestateagent

КОМЕНТАРІ

  • @TheDonzizo
    @TheDonzizo 5 годин тому

    good advise

  • @joskinner1442
    @joskinner1442 17 годин тому

    Its obvious its control daily express are telling us here in UK not to travel to Spain Italy and Greece because tourism is not safe mire lies from MSM

  • @alexnef5620
    @alexnef5620 22 години тому

    What’s your hobby - your dream home etc.?

    • @CloudNineSpain
      @CloudNineSpain 5 годин тому

      Joyce loves yoga and she doesnt have a dream home 👍

  • @condadodealhamahomes
    @condadodealhamahomes День тому

    If they suspend the tourist license they will also not allow to transfer these licenses to new owners, when the property is sold.

    • @CloudNineSpain
      @CloudNineSpain 5 годин тому

      Yes, that´s being proposed, but let´s wait and see. I suspect there are lots of twists and turns in this one yet!

  • @erikjanse3994
    @erikjanse3994 2 дні тому

    Have you not heard about the new decree from the Andalusian Government on holiday rentals, changing the VFT to VUT (Viviendas de Uso Turístico) being effective as of February 22, 2024? I feel it is a pretty aggressive change to the initial regulation governing holiday rentals (from 12th may 2016). Under this new regulation the Rental company is getting more responsibility over the rentals (the rental company will now be registered on the VUT of a specific property, instead of the owner). They are now talking about a new type of Rubbish Collection bill specifically for holiday homes, with amounts around 300 Euros per year. Then on top of that asking for additional community fees for owners that rent out their property will kill the market. Are you aware of all the cost/charges involved in renting out a property??? AirBnB is taking 21% of the revenue, then the rental company is taking again about an other 20% of the revenue, often on top of that you pay an additional management fee to the rental company. Then you have the cleaning/laundry cost, all the repair cost, all the taxes to be paid. Leaving alone the community fee, urbanisation fee, mortgage cost, etc. The rental business will not be profitable anymore or the rental fees will become unacceptable high (which somewhat already the case in the Costa del Sol). Hope this will bring some food for thought.....

  • @GaryKidd
    @GaryKidd 2 дні тому

    From my understanding of the protests in Barcelona and other places, it is not the fact that there are too many tourists, it is the fact that it is causing a major issue for local residents and the cost of their accommodation. Locals who work there are struggling to pay the high rents and find that over 50% of their income is needed to pay for somewhere to live. Instead of banning airbnb the local governments should bring in a new rule, for example, that allows local residents who work in the tourist industry to be given up to 50% discount for long term rentals. Remove their stress and the problem will slowly disappear, in my opinion. Savvy investors will benefit from this also as it will likely give them a 100% occupancy rate and remove the need for cleaners and other staff needed for short term rentals. Just my opinion guys.

  • @marinaperez1615
    @marinaperez1615 2 дні тому

    Very well put! It's a tricky one! 😅

  • @VistaRealEstate-gu9ou
    @VistaRealEstate-gu9ou 9 днів тому

    Hi there !im interested to buy 1bedroom apartment in spain where foreigners are allowed to do so,how can i reach out to your company for further guidlines ?

    • @CloudNineSpain
      @CloudNineSpain 7 днів тому

      you can reach is via info@cloudninespain.com thanks!

  • @deadforever
    @deadforever 16 днів тому

    Absolutely smashed it

  • @jackeaton2804
    @jackeaton2804 17 днів тому

    Hi, I was just wondering if you have any thought on David Lloyds Signature homes in Spain? Are they legit??

    • @CloudNineSpain
      @CloudNineSpain 17 днів тому

      We´re probably not the best people to ask as it´s not something happening on our patch. With any branded developments, I would urge prospective buyers to check out the terms of the operating contract, i.e. how long is the brand committed to the project? And what would happen if David Lloyd ended their involvement.

    • @jackeaton2804
      @jackeaton2804 9 днів тому

      @@CloudNineSpainthank you!

  • @formonthills
    @formonthills 17 днів тому

    Great information 👍🏼 thank you

  • @steveward4432
    @steveward4432 18 днів тому

    😮 Dismissed from broadcasting as a result of misogyny and hardly an advert for healthy living. There must be immigrants (ex pats) who maintain a healthy lifestyle after buying a property

  • @AlanReid-mt9kk
    @AlanReid-mt9kk 18 днів тому

    The great man. Let me know in the comments where to watch the Rangers games ❤

  • @conner.9262
    @conner.9262 19 днів тому

    Great conversation, walked onto a beach but where are you …?? Looks great… watching from the UK…👍

    • @CloudNineSpain
      @CloudNineSpain 19 днів тому

      This is the beach in Elviria, East Marbella, specifically in front of the restaurant called The Beach House. It´s a great spot!

  • @arturgrzenkowicz7926
    @arturgrzenkowicz7926 21 день тому

    Indeed very lovely and cute area, but why they have solid bars in the windows of the houses? 😎

    • @CloudNineSpain
      @CloudNineSpain 21 день тому

      It´s mainly a traditional architectural style, rather than any particular security concern. It´s a very Andalucian style to have the ground floor windows with these bars.

    • @arturgrzenkowicz7926
      @arturgrzenkowicz7926 20 днів тому

      @@CloudNineSpain Thank you for the clarification. 🙂

  • @nvr5073
    @nvr5073 22 дні тому

    where is this chiringuito?

    • @CloudNineSpain
      @CloudNineSpain 22 дні тому

      It´s The Beach House in Elviria. They have a more formal restaurant next door, but this is the more casual area 😎

    • @nvr5073
      @nvr5073 22 дні тому

      @@CloudNineSpain thank you so much!

    • @AlanReid-mt9kk
      @AlanReid-mt9kk 21 день тому

      I loved this video. Brilliant listening to the guy talking about the apartment enhancing his life.

  • @user-fq9qo6ui3g
    @user-fq9qo6ui3g 22 дні тому

    Great fun…well done 😎

  • @Pammie143
    @Pammie143 22 дні тому

    Great video! Thanks!

  • @Silvercp28
    @Silvercp28 23 дні тому

    Important: For the majority of applicants, the Beckham Law will NOT be granted! Self-employed / contracted individuals on Digital Nomad Visas will be registered into the Spanish progressive tax system. Stop these lawyers from making money on false statements 😤 ! They are not tax experts 🙄 and people applying for the DNV need to understand the actual facts. You will become a tax resident of Spain upon achieving the approval of the DNV and pay social security, quarterly taxes, and year-end taxes period. These videos confuse instead of providing clarity to 99% of applicants!

  • @leighrichardson9950
    @leighrichardson9950 28 днів тому

    Great vid guys - thank you. I have to say you have got these CarPool vids nailed - please keep producing them. La Heredia looks lovely btw. More jokes from Alfredo please 🙂

    • @CloudNineSpain
      @CloudNineSpain 28 днів тому

      I suspect there will be plenty more of those jokes from Alfredo! 🤦🏻‍♂

  • @randahlbeach
    @randahlbeach 29 днів тому

    That was fun guys - TY!!! La Heredia is very cute. That food phone joke is super good. I'm going to tell that one often. Cheers boyz from Vancouver!!

  • @randahlbeach
    @randahlbeach Місяць тому

    Thx Darren & Team - Looks great and that price pt just screams "Fantastic Value!!" Cheers:-)

  • @randahlbeach
    @randahlbeach Місяць тому

    Hey Darren & Sean - Cheers from Vancouver. Great segment - Your insight and experience is extremely valuable to potential buyers. I have a suggestion - add the links of the properties to the description. Also, "Well to be honest with you" phrase ... Best Practices say its best to eliminate that from your vocabulary as it implies that up to that point you have NOT been honest with your customer/client. All the Very BEST!!

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      Great point l! We have added the links to the properties in the description 👍

  • @leighrichardson1346
    @leighrichardson1346 Місяць тому

    Interesting vid guys - a great idea these type of vids are. Out of interest - is it called Monte Mayor, or Montemayor? Just Googled property there and some sites call it Montemayor. You have a lovely town house listing there. Thanks

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      It´s actually known by both names 🤦🏻‍♂ Makes it tricky for searches and advertising!

  • @thecrankster
    @thecrankster Місяць тому

    Thank you again gentlemen.

  • @leighrichardson9950
    @leighrichardson9950 Місяць тому

    Always enjoy your vids, CNS. Any more 'drive through' guides planned? Cheers

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      Thanks Leigh! Yes, we´ve just recorded another Carpool video - should be out next week.

    • @leighrichardson9950
      @leighrichardson9950 Місяць тому

      @@CloudNineSpain Fantastic! Look forward to watching it.. thanks for your reply :)

  • @erikjanse3994
    @erikjanse3994 Місяць тому

    Maybe a question for next VDO.....: How popular is currently the area between Estepona and Sotogrande? There are a lot of new developments in progress at the moment. Could this shortly be named as the Extended New Golden Mile? 🙂 Or do you think it is too far away from Malaga to be really high in demand? Interested to hear your option on this.... Thanks!!

  • @olivierdussarrat6525
    @olivierdussarrat6525 Місяць тому

    Your vids are so interesting. Thanks for your job. Is it possible to pay a property in crpto ?

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      It is, there are lawyers who specialise in these types of transactions. Where are you thinking of buying?

    • @olivierdussarrat6525
      @olivierdussarrat6525 Місяць тому

      @@CloudNineSpain Good news. Between Nueva Andalucia & Puerto Banus. I hope it will be possible next year. It depends of the outcome of current crypto market.

  • @renevanderbruggen731
    @renevanderbruggen731 Місяць тому

    Thanks guys - again a very valuable video for me as a new buyer

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      Our pleasure! If you are thinking of buying on the Costa del Sol and require advice or assistance don't hesitate to reach out info@cloudninespain.com

  • @graceeste7469
    @graceeste7469 Місяць тому

    Estepona 👍❤️

  • @thecrankster
    @thecrankster Місяць тому

    Thank you so much gentlemen

  • @horaciohegui9663
    @horaciohegui9663 Місяць тому

    the best option by far is 1 bedroom appartment

  • @pinocchioflekles
    @pinocchioflekles Місяць тому

    You guys and cloud nine are always hot…

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      😜

    • @pinocchioflekles
      @pinocchioflekles Місяць тому

      @@CloudNineSpain aaa you tricky bastards, you only want to lure a naive scandinavian to by an amazing villa and live happy ever after... :)

  • @TONYUK1966
    @TONYUK1966 Місяць тому

    England are Hot, Holland are Not 🤣🤣

  • @user-ns7sg6rm4j
    @user-ns7sg6rm4j Місяць тому

    Nice summary Gary, I will be in contact during the fall of this year.

  • @kenbyrne1355
    @kenbyrne1355 Місяць тому

    Sound advice thanks

  • @johanngranda1836
    @johanngranda1836 Місяць тому

    How does La Zagaleta in Marbella rank, in comparison to Sotogrande. Thank you

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      Hi Johann - we´ve actually recorded several videos comparing La Zagaleta to other areas, including Sotogrande. - www.youtube.com/@CloudNineSpain/search?query=zagaleta

  • @walterderosa1009
    @walterderosa1009 Місяць тому

    Nice video. What isn't clear to me, from a tax perspective, is what could be the best option between the two. I plan to move to Spain to work for my company based in Berlin, which also has an office in Madrid. I am pretty sure to have all the requirements to apply for both but because my idea is to work and live permanently in Spain I am not sure what to choose. Mazbe the Beckham law could be the best option

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      Best bet is to have a chat with a local lawyer

  • @conner.9262
    @conner.9262 Місяць тому

    Well answered questions….. BUT….. these questions are only to the purchasing of properties, what about costs once owned, ie, in the UK you pay a one off stamp duty tax to the government as a % of its price…?? Is it similar in Spain or is there a yearly tax …?? Not discussed here…??

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      Thanks for the feedback! We decided to do separate videos for the different running costs. Re the stamp duty, this is only payable on new-builds and is a fixed 1.2% of the purchase price. In terms of ongoing running costs, there are annual municipal taxes - IBI and Basura (garbage collection), plus the usual bills for utilities, insurance etc

    • @conner.9262
      @conner.9262 Місяць тому

      @@CloudNineSpain many thanks for your reply…. Cheers.

  • @surfboard_teether
    @surfboard_teether 2 місяці тому

    Hi Simon, I want to buy land in the Canary Islands with my smsf I’m from Australia Can you help me ?

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      Hi there, we only work on the Costa del Sol and Costa Blanca I am afraid!

  • @renevanderbruggen731
    @renevanderbruggen731 2 місяці тому

    Love your vids ! Thanks a lot making & sharing them !

    • @CloudNineSpain
      @CloudNineSpain 2 місяці тому

      Thanks so much for the feedback - much appreciated!

  • @thecrankster
    @thecrankster 2 місяці тому

    What’s the market like for 2 bed 2 bathroom apartments? Is this a popular section of the market or other types of property?

    • @CloudNineSpain
      @CloudNineSpain 2 місяці тому

      We´re going to cover both of your questions in a separate video next week. Many thanks for the feedback!

  • @thecrankster
    @thecrankster 2 місяці тому

    How long do properties spend on the market and what’s the usual discount to asking price in Marbella apartments?

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      We answered this in our most recent video, hope it helps

  • @mariuspislaru2108
    @mariuspislaru2108 2 місяці тому

    Brexit meens Brexit ! Go back to central London -Pakistan then ! Just leave Spain and go back home

  • @Menda_Lerenda
    @Menda_Lerenda 2 місяці тому

    The new conolanism has arrived

  • @georgiaellis8486
    @georgiaellis8486 2 місяці тому

    Amazing news, she's an amazing agent and person ❤

  • @sarahcronshaw3088
    @sarahcronshaw3088 2 місяці тому

    I see a Netflix Marbella coming soon! I would love that.

    • @CloudNineSpain
      @CloudNineSpain 2 місяці тому

      Watch this space!......joking! 🤦🏻‍♂

  • @creandolibertadfinanciera1366
    @creandolibertadfinanciera1366 2 місяці тому

    Thank u … can u recommend a broker ? And a agente inmobiliario that can help me ../ looking to buy a property Valencia or Alicante Thank u

    • @CloudNineSpain
      @CloudNineSpain Місяць тому

      If you are looking in Alicante we can help, we have a team up there. If you email Sean with your requirements he can advise sean@cloudninespain.com

  • @taniazijlstra1683
    @taniazijlstra1683 2 місяці тому

    On pictures 🏝️ you won't see the muscito🦟 👀

  • @creandolibertadfinanciera1366
    @creandolibertadfinanciera1366 2 місяці тому

    Great video … as an American , can I apply for a mortgage there in Spain 🇪🇸? How long is the term and the percentage they give to foreigners? Thank u

    • @CloudNineSpain
      @CloudNineSpain 2 місяці тому

      Thanks for the comment. Some banks in Spain won´t lend to applicants earning in USD, so it´s important to use a broker to save time speaking to the wrong people. Normal lending rules apply - you need to show proof of income, debt, etc. Normal maximum loan is 60%-70% of the price or valuation, whichever figure is lower. Maximum terms differ depending on the bank. Normally it would co-incide with projected retirement age