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Buying procedure

Buying a property in Spain must be a long and well organized Project. There are many aspects to consider and if you fail or make the wrong decision it can be a REAL headache. These tips are aimed to give you a guideline of what is important when you want to start the process of purchasing. We guide you throughout the process from the initial thinking, during the purchase and even when the property or it is inherited.
We hope that this information is of your interest to you and if you have any queries, feel free to contact us and we will explain in detail all aspects involved in this important decision.

Before buying
What do I need to know before buying?

– Spain is a big country with 17 regions and differences in culture, people and weather.
– Look for information in internet, go to exhibitions and try to get as much information as you can.
– When you choose 2 or 3 places, we recommend you to go on holiday, to spend some time and get to know the area, to live as you are expecting to do after your purchase.
– When you have chosen the place that you like, contact the estate agents. They will give you a good and professional advice.
– Prices are usually negotiable. You can make offers.
– You have to add to the purchase price around 10-12% in costs.
– If you don’t have enough funds to purchase the property, you can go to a local bank and ask for a mortgage. Depending on your age and income you can get 60-70% of the purchase.
– You will need an NIE. It’s a tax number given to foreigners operating in Spain.

When purchasing … CHECK

– That the property and the land match the details registered and that the sellers are the registered owners of the property.
– That there no debts or charges, such a mortgage, on the property.
– That planning permissions are in order and the property is a legal building.
– If you are buying a new property, check that the property has been registered as a new building in the property registry and it has a first occupation license.
– If you are buying a plot, check the latest town plan to see the urbanism conditions of the plot.
– The cadastral certificate where you will find the exact boundaries and square meters of your land.
– Ask for a property survey. Whilst this is not obligatory, it is wise to get a chartered surveyor to check and value the property.

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