{"id":72351,"date":"2024-10-18T10:47:53","date_gmt":"2024-10-18T08:47:53","guid":{"rendered":"https:\/\/dacasas.es\/?page_id=72351"},"modified":"2025-02-10T14:30:39","modified_gmt":"2025-02-10T12:30:39","slug":"how-to-buy-house-spain","status":"publish","type":"page","link":"https:\/\/dacasas.es\/en\/hoe-huis-kopen-spanje\/","title":{"rendered":"How to buy house Spain"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/dacasas.es\/wp-content\/uploads\/2025\/02\/Hoe-huis-kopen-Spanje-1024x576.jpg\" alt=\"How to buy house Spain? Where to start? We help you!\" class=\"wp-image-72781\" title=\"\" srcset=\"https:\/\/dacasas.es\/wp-content\/uploads\/2025\/02\/Hoe-huis-kopen-Spanje-1024x576.jpg 1024w, https:\/\/dacasas.es\/wp-content\/uploads\/2025\/02\/Hoe-huis-kopen-Spanje-300x169.jpg 300w, https:\/\/dacasas.es\/wp-content\/uploads\/2025\/02\/Hoe-huis-kopen-Spanje-768x432.jpg 768w, https:\/\/dacasas.es\/wp-content\/uploads\/2025\/02\/Hoe-huis-kopen-Spanje-1536x864.jpg 1536w, https:\/\/dacasas.es\/wp-content\/uploads\/2025\/02\/Hoe-huis-kopen-Spanje-150x84.jpg 150w, https:\/\/dacasas.es\/wp-content\/uploads\/2025\/02\/Hoe-huis-kopen-Spanje.jpg 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">default<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><strong>Do you dream of owning your own home in Spain? Then you must be wondering aloud... how to buy house Spain?<\/strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>buying a house in Spain<\/strong> is an exciting process, but it also brings challenges. Whether you are a <strong>holiday home, investment property or permanent home<\/strong> searches, it is important to be well prepared.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this comprehensive guide, we explain step by step how to buy a house in Spain, what to look out for and how to avoid common mistakes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Why buy a house in Spain?<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Spain is one of the most popular countries for foreign home buyers, and for good reason:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Advantages of buying a house in Spain:<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Mild climate<\/strong>: More than 300 sunny days a year.<\/li>\n\n\n\n<li><strong>Affordable housing<\/strong>: Lower prices than in many other European countries.<\/li>\n\n\n\n<li><strong>Attractive lifestyle<\/strong>: Delicious food, beautiful beaches and a relaxed atmosphere.<\/li>\n\n\n\n<li><strong>Good investment<\/strong>: High demand for rental housing and rising property prices.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you have a <strong>flat on the Costa Blanca, a villa on Mallorca or a finca in Andalusia<\/strong> searches, the process of buying in Spain is slightly different from that in the Netherlands or Belgium.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Roadmap: How to buy house Spain?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Determine your budget and funding<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before searching, it is important to keep your <strong>budget<\/strong> determine. Allow for additional costs such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Transfer tax<\/strong> (6-10%)<\/li>\n\n\n\n<li><strong>Notary fees and legal costs<\/strong> (1-3%)<\/li>\n\n\n\n<li><strong>Mortgage advice and banking fees<\/strong> (1-2%)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you need a mortgage, you can arrange it through a Spanish bank or an international mortgage lender. Generally, you can <strong>finance up to 70% of the house value<\/strong> as a non-resident.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Choose the right location<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The choice of location depends on your goals:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Holiday home<\/strong>: Popular regions such as the <a href=\"https:\/\/nl.wikipedia.org\/wiki\/Costa_Blanca\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Costa Blanca<\/em><\/a> are attractive to holidaymakers.<\/li>\n\n\n\n<li><strong>Permanent home<\/strong>: Cities such as <a href=\"https:\/\/dacasas.es\/en\/house-location\/alicante\/\" data-type=\"property-city\" data-id=\"113\"><em>Alicante<\/em><\/a>, <a href=\"https:\/\/dacasas.es\/en\/house-location\/denia\/\" data-type=\"property-city\" data-id=\"79\"><em>Denia<\/em><\/a>, and <a href=\"https:\/\/dacasas.es\/en\/house-location\/javea\/\" data-type=\"property-city\" data-id=\"109\"><em>Javea<\/em><\/a> offer a high quality of life.<\/li>\n\n\n\n<li><strong>Investment<\/strong>: Look for areas with high rental yields, such as tourist coastal towns or cities with expats.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Find a reliable estate agent<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>good local estate agent<\/strong> knows the market and helps you avoid pitfalls. Choose a broker who:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Is bilingual (Dutch\/Spanish)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Has experience with foreign buyers<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Is transparent about costs and procedures<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avoid brokers who do not have clear prices or put pressure to decide quickly.<br>Of course, with Dacasas by your side, this one can already be ticked off ;). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. View properties and research the market<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plan <strong>viewings<\/strong> and take time to take a good look at the surroundings and the condition of the property. Check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> <strong>Architectural state<\/strong>: Are there any hidden defects?<\/li>\n\n\n\n<li><strong>Property papers<\/strong>: Is the property correctly registered in the land registry?<\/li>\n\n\n\n<li><strong>Licences<\/strong>: Especially important with fincas and country houses.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Negotiate and make an offer<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Have you found a suitable property? Then you can make an offer. Negotiation is common in Spain, so get your estate agent to make a realistic offer based on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The asking price versus recent sales prices in the region.<\/li>\n\n\n\n<li>Any defects that may reduce the price.<\/li>\n\n\n\n<li>Additional conditions, such as furniture or renovations.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>6. Reserve the property with a deposit<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Upon agreement, you sign a <strong>reservation contract (Contrato de Reserva)<\/strong> and you pay an advance, usually <strong>\u20ac3.000 - \u20ac6.000<\/strong>. This ensures that the property is taken off the market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Note: You will lose this amount if you withdraw from the sale!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>7. Get a lawyer to do the legal review<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Spanish lawyer (<strong>abogado<\/strong>) checks:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Title deed and debts on the property<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Urban planning status and permits<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Mortgage charges and any distraints<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If everything is in order, sign a <strong>provisional sales contract (Contrato de Arras)<\/strong> and you usually pay <strong>10% down payment<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>8. Finalising at the notary<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The final step is the signing of the <strong>escritura p\u00fablica (official deed of sale)<\/strong> at the notary. This usually happens <strong>within 4-8 weeks<\/strong> after signing the preliminary contract.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>At the notary, you will pay the remaining purchase price and receive the keys.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>9. Registration of property and utilities<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After the transfer, the property must be registered in the <strong>land registry (Registro de la Propiedad)<\/strong> and be transferred to your name. Don't forget to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Contracts for water, electricity and internet to be transferred.<\/strong><\/li>\n\n\n\n<li><strong>IBI (local property tax) to be settled.<\/strong><\/li>\n\n\n\n<li><strong>Any rental licence to apply for if you want to rent out.<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Common mistakes when buying a house in Spain<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Buying without legal control<\/strong>: Always have a lawyer check the papers.<\/li>\n\n\n\n<li><strong>Not having a realistic budget<\/strong>: Please note additional costs.<\/li>\n\n\n\n<li><strong>Unexpected renovation costs<\/strong>: Get a building survey.<\/li>\n\n\n\n<li><strong>Buying a property without a licence<\/strong>: Some houses have illegal extensions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Buying a house in Spain: costs and taxes<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When buying a property in Spain, you need to consider various taxes and costs:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Transfer tax (ITP):<\/strong> 6-10% (depending on region)<\/li>\n\n\n\n<li><strong>Notary and registration fees:<\/strong> 1-3%<\/li>\n\n\n\n<li><strong>Legal costs:<\/strong> 1-2%<\/li>\n\n\n\n<li><strong>Brokerage fees:<\/strong> Often paid for by the seller<\/li>\n\n\n\n<li><strong>Mortgage setup fees:<\/strong> 1-2% (if applicable)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Frequently asked questions about buying a house in Spain<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Can I buy a house in Spain without being a resident?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, you can buy a house in Spain as a foreigner without any problems. You do need a <strong>NIE number<\/strong> (N\u00famero de Identificaci\u00f3n de Extranjero) required for official registration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Can I get a mortgage as a foreigner?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, Spanish banks offer mortgages to foreigners, mostly up to <strong>70% of house value<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Can I buy a house in Spain without an estate agent?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, but a broker helps you avoid pitfalls and negotiate the right price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Is buying a house in Spain a good investment?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, especially in popular areas such as Costa Blanca, Costa del Sol and the Balearic Islands. Property prices are rising and rentals are lucrative.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Conclusion - buying your dream home in Spain? Start here!<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Buying a house in Spain is a great move, provided you are well prepared. Follow us <strong>roadmap<\/strong>, work with trusted professionals and make an informed choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Curious about the best properties? <strong>Contact <\/strong><a href=\"https:\/\/dacasas.es\/en\/\"><strong>Dacasas.es<\/strong><\/a><strong> For personal advice and a tailor-made offer!<\/strong> <\/p>","protected":false},"excerpt":{"rendered":"<p>Do you dream of owning your own home in Spain? Then you must be wondering aloud... how to buy house Spain? Buying a house in Spain is an exciting process, but it also comes with challenges. Whether you are looking for a holiday home, an investment property or a permanent home, it is important to be well prepared...<\/p>","protected":false},"author":2,"featured_media":72781,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-72351","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/dacasas.es\/en\/wp-json\/wp\/v2\/pages\/72351","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dacasas.es\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dacasas.es\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dacasas.es\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dacasas.es\/en\/wp-json\/wp\/v2\/comments?post=72351"}],"version-history":[{"count":8,"href":"https:\/\/dacasas.es\/en\/wp-json\/wp\/v2\/pages\/72351\/revisions"}],"predecessor-version":[{"id":72792,"href":"https:\/\/dacasas.es\/en\/wp-json\/wp\/v2\/pages\/72351\/revisions\/72792"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dacasas.es\/en\/wp-json\/wp\/v2\/media\/72781"}],"wp:attachment":[{"href":"https:\/\/dacasas.es\/en\/wp-json\/wp\/v2\/media?parent=72351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}