Spanish Property Q & A

Purchasing a Property in Spain: Frequently Asked Questions
Navigating the world of property purchase in Spain can be both exciting and daunting. At, we’re committed to making this process as smooth and transparent as possible for our international clients. This guide addresses some of the most frequently asked questions about buying property in Spain, ensuring you’re well-informed every step of the way.

The Process of Choosing a Property:
How long does it take to choose a property in Spain?
Choosing a property in Spain varies with each client, but typically requires two visits to the country. The first step is deciding on the location, followed by selecting the type of property—be it a house or a flat. Given the array of choices and personal factors, this is often the most challenging step. Stay tuned for our upcoming article for more insights.

Budgeting for Your Spanish Home:
Our professional staff and website lists many properties, however, remember to account for additional expenses such as real estate purchase tax and property registration. More detailed information will be available in our forthcoming article.

What is the reservation fee for a home?
The reservation fee typically ranges between €3,000 and €6,000, depending on the property’s characteristics, however this can be more in some cases.

Schooling for Expatriate Families:
What documents are needed for enrolling children in Spanish schools?
Moving to Spain with family requires careful planning, especially for education. While specific documentation can vary, essential requirements usually include proof of residence and the children’s birth certificates. For detailed guidance, refer to our specialist’s video response or wait for our detailed article.

Financing and Mortgages:
Is it possible to secure a mortgage as a non-resident?
Non-residents can obtain mortgages up to 60-70%, while EU citizens and Spanish residents may qualify for up to 80% or more. However, approval is at the bank’s discretion. We collaborate with reputable Spanish banks to ensure a smooth process and offer a selection of suitable banking offers.

After-Sale Support:
Do you offer assistance with post-purchase matters? Absolutely! Our concierge service is dedicated to helping you with all aspects of living in Spain, ensuring a hassle-free transition and peace of mind in your new home.

Essential Documents for Property Purchase:
What documents are required to buy a property?
When purchasing property, several essential documents must be in order. Firstly, the Title Deed confirms the seller’s ownership. A No Objection Certificate (NOC) from the society or development authority is necessary for apartments or gated communities. The Sale Deed transfers ownership and must be registered. Encumbrance Certificate verifies the property is free from legal liabilities. The Completion Certificate from the municipal authority indicates compliance with building standards. For new constructions, the Occupancy Certificate ensures the building is fit for habitation. Lastly, property tax receipts and the Khata Certificate/B-Extract for the property are crucial for confirming up-to-date tax payments and municipal records. These documents collectively ensure a legal and transparent transaction.

Understanding the Costs:
What are the main expenses involved in buying a property in Spain?
The total cost of buying a home in Spain encompasses the property price, taxes (such as the ITP or VAT), notary fees, and registration fees. We’re compiling an article to give you a clear breakdown of these costs.

The Golden Visa:
How can non-EU residents quickly obtain Spanish residency?
The Golden Visa program offers a fast track to residency for non-EU investors purchasing property worth at least €500,000. This visa provides numerous benefits, including freedom to travel within the Schengen Zone. Detailed information will be featured in our upcoming article.

Additional FAQs:
Our website is also preparing articles on various other topics, including how to review a property for charges or debts, understanding the “Nota Simple,” deciphering utility bills, and more about the taxes sellers and buyers need to be aware of.

Whether you’re dreaming of a sunny retreat near Torrevieja or any other location in Spain, is here to guide you through each step of the property purchasing process. Stay tuned for our detailed articles for more in-depth information on each of these topics.

Spanish Property Buying Process
Investing In Spanish Property
Spanish Area Guides
Property for sale in Spain