Apartment for sale with 3 bedrooms - Spain (page 28)

2, 3 Bedroom Apartments in Calpe by the CoastLocated in Calpe within a prestigious coastal district, the area is celebrated for its Mediterranean lifestyle, the iconic Peñón de Ifach, and scenic beaches. This vibrant neighborhood combines modern resort living with traditional charm, offering restaurants, shops, and recreational options year-round. Surrounded by mountains and sea, it enjoys a mild climate and an active, high-quality outdoor lifestyle, making it ideal for permanent residence or investment.The apartments in Calpe Alicante for sale is approximately 0.3 km from shops, cafés, and restaurants, with Calpe’s town center around 1.5 km away. Beaches can be reached within 0.4 km, and the nearest golf course is 9.0 km away. The closest airport is approximately 78 km from the apartment, providing excellent connectivity for national and international travel.The apartments are part of a luxurious, contemporary residential complex designed for comfort and elegance. The community features landscaped gardens, a swimming pool, gym, paddle courts, social and relaxation areas, coworking spaces, and dedicated children’s zones. Every detail emphasizes a high standard of living, combining privacy, accessibility, and wellbeing.The apartments are contemporary and finished to high standards, designed to maximize light and space. They include 2 or 3 bedrooms, 2 bathrooms, an open-plan kitchen, and a spacious living area flowing onto terraces with panoramic sea and mountain views. Materials and finishes are carefully selected for elegance, durability, and long-term comfort. ALC-01213 Want to know more?

2, 3 Bedroom Apartments in Calpe by the CoastLocated in Calpe within a prestigious coastal district, the area is celebrated for its Mediterranean lifestyle, the iconic Peñón de Ifach, and scenic beaches. This vibrant neighborhood combines modern resort living with traditional charm, offering restaurants, shops, and recreational options year-round. Surrounded by mountains and sea, it enjoys a mild climate and an active, high-quality outdoor lifestyle, making it ideal for permanent residence or investment.The apartments in Calpe Alicante for sale is approximately 0.3 km from shops, cafés, and restaurants, with Calpe’s town center around 1.5 km away. Beaches can be reached within 0.4 km, and the nearest golf course is 9.0 km away. The closest airport is approximately 78 km from the apartment, providing excellent connectivity for national and international travel.The apartments are part of a luxurious, contemporary residential complex designed for comfort and elegance. The community features landscaped gardens, a swimming pool, gym, paddle courts, social and relaxation areas, coworking spaces, and dedicated children’s zones. Every detail emphasizes a high standard of living, combining privacy, accessibility, and wellbeing.The apartments are contemporary and finished to high standards, designed to maximize light and space. They include 2 or 3 bedrooms, 2 bathrooms, an open-plan kitchen, and a spacious living area flowing onto terraces with panoramic sea and mountain views. Materials and finishes are carefully selected for elegance, durability, and long-term comfort. ALC-01213 Want to know more?

2 or 3-Bedroom Contemporary Golf-Front Apartments in Los AlcázaresLocated in Los Alcázares within the Serena Golf area, this location is known for its peaceful surroundings, open green spaces, and proximity to the Mar Menor coastline. The area offers a relaxed Mediterranean lifestyle with a mix of residential developments and leisure facilities. It combines natural beauty with easy access to everyday services and recreational options. The area is well established and suitable for both permanent living and long-term investment.These apartments are ideally located only 0.1 km from the nearest golf course. They are approximately 0.5 km from daily amenities, including shops, cafés, and restaurants, while the town center is about 1.5 km away. Beaches can also be reached within roughly 2.0 km from the apartments. The closest airport is approximately 35.0 km away, providing convenient national and international connections.The apartments in Los Alcázares for sale are part of a well-planned residential community organized around a large central green area. The complex features a spacious swimming pool, landscaped gardens, children’s play areas, and wellness facilities including a spa, gym, sauna, and heated jacuzzi. The gated layout of the project ensures privacy, security, and comfortable access throughout the development.The interior layout of the apartments are designed to provide practical and bright living spaces. The apartments include 2 or 3 bedrooms, 2 bathrooms, an open-plan kitchen, and a well-proportioned living area, complemented by a terrace. Finishes and fixtures of the apartments are also selected to ensure long-term usability and comfort. RMU-00311 Want to know more?

2 or 3-Bedroom Contemporary Golf-Front Apartments in Los AlcázaresLocated in Los Alcázares within the Serena Golf area, this location is known for its peaceful surroundings, open green spaces, and proximity to the Mar Menor coastline. The area offers a relaxed Mediterranean lifestyle with a mix of residential developments and leisure facilities. It combines natural beauty with easy access to everyday services and recreational options. The area is well established and suitable for both permanent living and long-term investment.These apartments are ideally located only 0.1 km from the nearest golf course. They are approximately 0.5 km from daily amenities, including shops, cafés, and restaurants, while the town center is about 1.5 km away. Beaches can also be reached within roughly 2.0 km from the apartments. The closest airport is approximately 35.0 km away, providing convenient national and international connections.The apartments in Los Alcázares for sale are part of a well-planned residential community organized around a large central green area. The complex features a spacious swimming pool, landscaped gardens, children’s play areas, and wellness facilities including a spa, gym, sauna, and heated jacuzzi. The gated layout of the project ensures privacy, security, and comfortable access throughout the development.The interior layout of the apartments are designed to provide practical and bright living spaces. The apartments include 2 or 3 bedrooms, 2 bathrooms, an open-plan kitchen, and a well-proportioned living area, complemented by a terrace. Finishes and fixtures of the apartments are also selected to ensure long-term usability and comfort. RMU-00311 Want to know more?

2 or 3-Bedroom Contemporary Golf-Front Apartments in Los AlcázaresLocated in Los Alcázares within the Serena Golf area, this location is known for its peaceful surroundings, open green spaces, and proximity to the Mar Menor coastline. The area offers a relaxed Mediterranean lifestyle with a mix of residential developments and leisure facilities. It combines natural beauty with easy access to everyday services and recreational options. The area is well established and suitable for both permanent living and long-term investment.These apartments are ideally located only 0.1 km from the nearest golf course. They are approximately 0.5 km from daily amenities, including shops, cafés, and restaurants, while the town center is about 1.5 km away. Beaches can also be reached within roughly 2.0 km from the apartments. The closest airport is approximately 35.0 km away, providing convenient national and international connections.The apartments in Los Alcázares for sale are part of a well-planned residential community organized around a large central green area. The complex features a spacious swimming pool, landscaped gardens, children’s play areas, and wellness facilities including a spa, gym, sauna, and heated jacuzzi. The gated layout of the project ensures privacy, security, and comfortable access throughout the development.The interior layout of the apartments are designed to provide practical and bright living spaces. The apartments include 2 or 3 bedrooms, 2 bathrooms, an open-plan kitchen, and a well-proportioned living area, complemented by a terrace. Finishes and fixtures of the apartments are also selected to ensure long-term usability and comfort. RMU-00311 Want to know more?

2 and 3-Bedroom Modern Apartments with Private Terraces in the Heart of VillajoyosaSituated near the DR. Esquerdo school, this area of Villajoyosa is renowned for its vibrant Mediterranean character, colorful historic streets, and relaxed coastal lifestyle. The neighborhood perfectly combines convenience and tranquility. It is ideal for both permanent residents and long-term investors. Residents can enjoy easy access to cultural landmarks, local markets, and a variety of restaurants, while also taking advantage of the beautiful beaches and scenic promenades. The area offers excellent opportunities for outdoor activities, including walking along the marina or exploring nearby parks, creating a balanced lifestyle that merges comfort, leisure, and elegance.These stylish apartments are approximately 0.3 km from shops and cafés, 0.4 km from the beach, 0.5 km from restaurants, and 0.8 km from the city center. Meanwhile the nearest golf course is approximately 11 km from the apartments. Alicante Airport is also around 45 km away, offering convenient national and international connections for residents and visitors alike.This boutique development of 12 high-quality apartments has been designed with comfort, privacy, and elegance in mind. The community features landscaped gardens, a swimming pool, secure parking, and clearly defined pedestrian and vehicle access. The layout promotes a harmonious balance between shared amenities and private spaces, allowing residents to enjoy both social interaction and personal retreat within a refined environment.The apartments in Villajoyosa for sale have been carefully designed to maximize natural light, spaciousness, and functional living. Units offer 2 or 3 bedrooms, 2 bathrooms, a fully equipped kitchen, and a generously proportioned living area opening onto a private terrace. High-quality finishes, contemporary fixtures, and durable materials create a sophisticated living environment that requires minimal maintenance while providing lasting comfort and style. ALC-01219 Want to know more?

2 and 3-Bedroom Modern Apartments with Private Terraces in the Heart of VillajoyosaSituated near the DR. Esquerdo school, this area of Villajoyosa is renowned for its vibrant Mediterranean character, colorful historic streets, and relaxed coastal lifestyle. The neighborhood perfectly combines convenience and tranquility. It is ideal for both permanent residents and long-term investors. Residents can enjoy easy access to cultural landmarks, local markets, and a variety of restaurants, while also taking advantage of the beautiful beaches and scenic promenades. The area offers excellent opportunities for outdoor activities, including walking along the marina or exploring nearby parks, creating a balanced lifestyle that merges comfort, leisure, and elegance.These stylish apartments are approximately 0.3 km from shops and cafés, 0.4 km from the beach, 0.5 km from restaurants, and 0.8 km from the city center. Meanwhile the nearest golf course is approximately 11 km from the apartments. Alicante Airport is also around 45 km away, offering convenient national and international connections for residents and visitors alike.This boutique development of 12 high-quality apartments has been designed with comfort, privacy, and elegance in mind. The community features landscaped gardens, a swimming pool, secure parking, and clearly defined pedestrian and vehicle access. The layout promotes a harmonious balance between shared amenities and private spaces, allowing residents to enjoy both social interaction and personal retreat within a refined environment.The apartments in Villajoyosa for sale have been carefully designed to maximize natural light, spaciousness, and functional living. Units offer 2 or 3 bedrooms, 2 bathrooms, a fully equipped kitchen, and a generously proportioned living area opening onto a private terrace. High-quality finishes, contemporary fixtures, and durable materials create a sophisticated living environment that requires minimal maintenance while providing lasting comfort and style. ALC-01219 Want to know more?

Woning gesitueerd in Los Alcazares La Serena Golf in de regio Huis Kopen Costa Calida. Een villa met 3 slaapkamers en 2 badkamers. Unieke aspecten van deze woning in Los Alcazares La Serena Golf zijn o.a. haven op wandelafstand, parkeerplaats, gemeenschappelijk zwembad, voorzieningen op wandelafstand, berging, fietsafstand strand, begane grond, authentiek spaans dorp, wandelafstand strand, groot terras, ondergrondse garage, gemeenschappelijke tuin. Want to know more?

Woning gesitueerd in Los Alcazares La Serena Golf in de regio Huis Kopen Costa Calida. Een villa met 3 slaapkamers en 2 badkamers. Unieke aspecten van deze woning in Los Alcazares La Serena Golf zijn o.a. haven op wandelafstand, parkeerplaats, gemeenschappelijk zwembad, voorzieningen op wandelafstand, berging, fietsafstand strand, authentiek spaans dorp, wandelafstand strand, groot terras, ondergrondse garage, gemeenschappelijke tuin, front line golf. Want to know more?

Woning gesitueerd in Los Alcazares La Serena Golf in de regio Huis Kopen Costa Calida. Een villa met 3 slaapkamers en 2 badkamers. Unieke aspecten van deze woning in Los Alcazares La Serena Golf zijn o.a. haven op wandelafstand, parkeerplaats, gemeenschappelijk zwembad, voorzieningen op wandelafstand, fietsafstand strand, dakterras, authentiek spaans dorp, front line golf, wandelafstand strand, groot terras, ondergrondse garage, gemeenschappelijke tuin. Want to know more?

Discover this spacious and bright fifth-floor apartment in Playa del Acequión, Torrevieja, ideal both as a permanent residence and a holiday investment.With 92 m² built, this property stands out for its comfort, prime frontline beachfront location, and spectacular sea views. Built in 1980 and in good condition, it is sold furnished and ready to move into.Its northeast orientation ensures a pleasant temperature throughout the year.Key features92 m² built area3 spacious bedrooms2 full bathrooms8 m² terraceSeparate kitchenNortheast orientationSea viewsFrontline beachfrontPrivate beach accessCommunal swimming poolLiftFurnishedProperty tax (IBI) €306 / Community fees €420 per yearAdditionally, it is surrounded by shops, pharmacies, shopping centers, bars, and restaurants, ensuring excellent quality of life and daily convenience.A unique opportunity to enjoy the Mediterranean lifestyle with more than 300 days of sunshine per year. Want to know more?

Palm Beach is a secure, gated community located on Marbella’s eastern coast, just a 5-minute drive from the heart of the city and situated directly along one of the region’s most beautiful beaches.This newly renovated 3 bedroom 2 bathroom apartment in the exclusive Palm Beach Community combines luxury and comfort with a quiet and private location. Facing southwest, the apartment is bathed in natural light and offers panoramic views of lush subtropical gardens and the shimmering Mediterranean Sea from its expansive 40 m² terrace. In pristine condition, this home also includes a storage room and a private parking space in the communal garage, providing both convenience and peace of mind.Every aspect of the apartment has been meticulously crafted, from the state-of-the-art Bang & Olufsen sound system and electric fireplace in the living room to the custom-built wardrobes and indulgent freestanding bathtub.The master bedroom features an invisible ceiling TV and a cozy bioethanol fireplace for ultimate relaxation. It leads to a stunning en-suite bathroom with a freestanding bathtub, offering a perfect space to unwind in privacy and comfort. Want to know more?

Don't miss this rare opportunity to own a frontline beach apartment in one of the most sought-after locations in Torrevieja Playa del Cura. With uninterrupted sea views and located right on the promenade, this stunning property offers the perfect blend of comfort, location, and lifestyle.Featuring a generous 100 m² of built space plus an 18 m² terrace, this apartment boasts 3 spacious bedrooms, including one with an en-suite bathroom, 2 modern bathrooms in total, a fully independent kitchen with a gallery/ laundry area and panoramic views of the Mediterranean from your private terrace. Step out of your door and you're literally just a few steps from the sand. Enjoy your morning coffee to the sound of the waves or a sunset dinner with an unbeatable backdrop.Included in the price is a private underground parking space, a huge plus in this vibrant beachside area.Surrounded by a wide variety of bars, restaurants, shops, and all amenities, this apartment is ideal as a holiday home, permanent residence, or investment property with excellent rental potential.Contact us today to arrange a viewing, beachfront opportunities like this are truly one of a kind! Want to know more?

Located in the charming town of Vera, this residential complex offers a selection of 36 homes designed to meet the most demanding needs. The offer includes apartments, ground floors, and penthouses, all with sea views, ensuring a privileged living environment. The proximity to the sea, just 2 km away, allows for the enjoyment of the sea breeze and a relaxed Mediterranean lifestyle. The homes are equipped with modern and functional features, such as porcelain floors, electric shutters, and integrated appliances, ensuring comfort and efficiency in daily life. Additionally, they feature built-in wardrobes and pre-installed air conditioning, adding an extra touch of comfort. This residential complex is ideal for those seeking a home in a prime location, with all amenities and services within reach.The exteriors of these homes in Vera are designed to maximize the enjoyment of the natural surroundings and the Mediterranean climate. All properties feature terraces, perfect for enjoying the sea views and the outdoors. The ground floors have private gardens, offering additional space for leisure and relaxation. Additionally, the penthouses include a solarium, ideal for sunbathing in privacy. The proximity to the sea, just 2 km away, allows for beach walks and water activities. The exterior design of the homes is complemented by the inclusion of garages, providing convenience and security for residents. This residential complex offers an ideal environment for enjoying outdoor living, with all modern comforts.The interior of the homes in this residential complex in Vera is designed to offer maximum comfort and functionality. The layout options include homes with 2 and 3 bedrooms, all with 2 bathrooms, ensuring ample space for families of different sizes. The porcelain floors add a touch of elegance and are easy to maintain. The electric shutters and integrated appliances make daily life easier, while the built-in wardrobes offer practical and aesthetic storage solutions. The pre-installation of air conditioning ensures that the homes are ready to maintain a pleasant temperature throughout the year. Every detail has been carefully considered to create a welcoming and modern home.The common areas of this residential complex in Vera are designed to promote an active and social lifestyle. Residents can enjoy spacious garden areas, perfect for walking or relaxing outdoors. Additionally, the community features a swimming pool, ideal for cooling off during warm summer days and for enjoying leisure moments with family or friends. These common facilities complement the individual features of each home, offering a complete and balanced environment for the enjoyment of all residents. Want to know more?

Located in the charming town of Vera, this residential complex offers a selection of 36 homes designed to meet the most demanding needs. The offer includes apartments, ground floors, and penthouses, all with sea views, ensuring a privileged living environment. The proximity to the sea, just 2 km away, allows for the enjoyment of the sea breeze and a relaxed Mediterranean lifestyle. The homes are equipped with modern and functional features, such as porcelain floors, electric shutters, and integrated appliances, ensuring comfort and efficiency in daily life. Additionally, they feature built-in wardrobes and pre-installed air conditioning, adding an extra touch of comfort. This residential complex is ideal for those seeking a home in a prime location, with all amenities and services within reach.The exteriors of these homes in Vera are designed to maximize the enjoyment of the natural surroundings and the Mediterranean climate. All properties feature terraces, perfect for enjoying the sea views and the outdoors. The ground floors have private gardens, offering additional space for leisure and relaxation. Additionally, the penthouses include a solarium, ideal for sunbathing in privacy. The proximity to the sea, just 2 km away, allows for beach walks and water activities. The exterior design of the homes is complemented by the inclusion of garages, providing convenience and security for residents. This residential complex offers an ideal environment for enjoying outdoor living, with all modern comforts.The interior of the homes in this residential complex in Vera is designed to offer maximum comfort and functionality. The layout options include homes with 2 and 3 bedrooms, all with 2 bathrooms, ensuring ample space for families of different sizes. The porcelain floors add a touch of elegance and are easy to maintain. The electric shutters and integrated appliances make daily life easier, while the built-in wardrobes offer practical and aesthetic storage solutions. The pre-installation of air conditioning ensures that the homes are ready to maintain a pleasant temperature throughout the year. Every detail has been carefully considered to create a welcoming and modern home.The common areas of this residential complex in Vera are designed to promote an active and social lifestyle. Residents can enjoy spacious garden areas, perfect for walking or relaxing outdoors. Additionally, the community features a swimming pool, ideal for cooling off during warm summer days and for enjoying leisure moments with family or friends. These common facilities complement the individual features of each home, offering a complete and balanced environment for the enjoyment of all residents. Want to know more?

Located in the charming town of Vera, these bungalows offer a perfect combination of comfort and style. With a total of 13 units available, future owners can choose between two or three-bedroom bungalows, all with two bathrooms. The proximity to the sea, just 2 km away, adds a special appeal for those looking to enjoy the coast. Each property is designed to offer a modern and functional lifestyle, with features that ensure daily comfort.The bungalows feature outdoor spaces designed to maximize enjoyment of the Mediterranean climate. Each unit includes a private garden, ideal for creating a personal outdoor oasis. Additionally, the terraces provide extra space for relaxation or entertaining guests. For those seeking panoramic views, the solarium is a perfect spot to enjoy the surroundings. The inclusion of a garage ensures that parking is never an issue, offering convenience and security.The interior of the bungalows is carefully designed to offer a cozy and modern atmosphere. Porcelain tile floors add a touch of elegance and are easy to maintain. Electric shutters and included appliances make daily life easier, while built-in wardrobes provide efficient storage. The pre-installation of air conditioning ensures that the indoor climate is always suitable, adapting to the needs of each season.Residents can enjoy a community pool, an ideal place to relax and socialize with neighbors. This common area is designed to offer a resort-like atmosphere, providing a refreshing escape during warm summer days. Want to know more?

Located in the charming town of Vera, these bungalows offer a perfect combination of comfort and style. With a total of 13 units available, future owners can choose between two or three-bedroom bungalows, all with two bathrooms. The proximity to the sea, just 2 km away, adds a special appeal for those looking to enjoy the coast. Each property is designed to offer a modern and functional lifestyle, with features that ensure daily comfort.The bungalows feature outdoor spaces designed to maximize enjoyment of the Mediterranean climate. Each unit includes a private garden, ideal for creating a personal outdoor oasis. Additionally, the terraces provide extra space for relaxation or entertaining guests. For those seeking panoramic views, the solarium is a perfect spot to enjoy the surroundings. The inclusion of a garage ensures that parking is never an issue, offering convenience and security.The interior of the bungalows is carefully designed to offer a cozy and modern atmosphere. Porcelain tile floors add a touch of elegance and are easy to maintain. Electric shutters and included appliances make daily life easier, while built-in wardrobes provide efficient storage. The pre-installation of air conditioning ensures that the indoor climate is always suitable, adapting to the needs of each season.Residents can enjoy a community pool, an ideal place to relax and socialize with neighbors. This common area is designed to offer a resort-like atmosphere, providing a refreshing escape during warm summer days. Want to know more?

Located in the charming town of Vera, this residential complex offers a selection of 36 homes designed to meet the most demanding needs. The offer includes apartments, ground floors, and penthouses, all with sea views, ensuring a privileged living environment. The proximity to the sea, just 2 km away, allows for the enjoyment of the sea breeze and a relaxed Mediterranean lifestyle. The homes are equipped with modern and functional features, such as porcelain floors, electric shutters, and integrated appliances, ensuring comfort and efficiency in daily life. Additionally, they feature built-in wardrobes and pre-installed air conditioning, adding an extra touch of comfort. This residential complex is ideal for those seeking a home in a prime location, with all amenities and services within reach.The exteriors of these homes in Vera are designed to maximize the enjoyment of the natural surroundings and the Mediterranean climate. All properties feature terraces, perfect for enjoying the sea views and the outdoors. The ground floors have private gardens, offering additional space for leisure and relaxation. Additionally, the penthouses include a solarium, ideal for sunbathing in privacy. The proximity to the sea, just 2 km away, allows for beach walks and water activities. The exterior design of the homes is complemented by the inclusion of garages, providing convenience and security for residents. This residential complex offers an ideal environment for enjoying outdoor living, with all modern comforts.The interior of the homes in this residential complex in Vera is designed to offer maximum comfort and functionality. The layout options include homes with 2 and 3 bedrooms, all with 2 bathrooms, ensuring ample space for families of different sizes. The porcelain floors add a touch of elegance and are easy to maintain. The electric shutters and integrated appliances make daily life easier, while the built-in wardrobes offer practical and aesthetic storage solutions. The pre-installation of air conditioning ensures that the homes are ready to maintain a pleasant temperature throughout the year. Every detail has been carefully considered to create a welcoming and modern home.The common areas of this residential complex in Vera are designed to promote an active and social lifestyle. Residents can enjoy spacious garden areas, perfect for walking or relaxing outdoors. Additionally, the community features a swimming pool, ideal for cooling off during warm summer days and for enjoying leisure moments with family or friends. These common facilities complement the individual features of each home, offering a complete and balanced environment for the enjoyment of all residents. Want to know more?

Live by the sea in Torrevieja! A 3-bedroom apartment just 250 meters from Los Náufragos and Acequión beaches, in a prime location ideal for both living and investment. Priced at €166,000, this approximately 95 m² property, built in 1981 and well maintained, offers space, comfort, and Mediterranean style.3 bright bedrooms2 full bathroomsSpacious living-dining roomPrivate 10 m² terraceModern independent kitchenFunctional laundry areaAir conditioning in 2 bedroomsSoutheast orientationOptional garage €18,000Located in an area with all amenities nearby (supermarkets, restaurants, shops), and just 10 minutes from the Marina. Alicante Airport is only 40 minutes away.Property tax (IBI) €211Community fees €124.76 quarterlyWith over 300 days of sunshine per year and close proximity to unique natural surroundings, this property offers an excellent quality of life and a great opportunity on the Costa Blanca. Want to know more?

South-facing apartment just 500 m from Playa del Cura, Torrevieja~~Spacious first-floor apartment located in one of the most convenient and comfortable areas of Torrevieja, surrounded by shops, supermarkets, cafés, and public transport. Just 500 meters from Playa del Cura, one of the most popular and lively beaches in the city, ideal for enjoying the sun and sea all year round.~~The property offers 86 m2 of living space and a perfect south orientation, ensuring plenty of natural light and warmth even in winter. It features large rooms, an independent kitchen, an interior patio, and wooden parquet-style flooring recently repaired and in perfect condition. Although it could use some updating, it’s a home with great potential—ideal for those looking for a spacious, well-located apartment or a property to renovate to their taste. A great opportunity in the heart of Torrevieja, just steps from the beach.~~The property price does not include notary and land registry fees (which are subject to official tariffs and may vary depending on the purchase price), nor taxes, which in the Valencian Community vary according to the property price and the buyer’s personal circumstances. Want to know more?