{"id":55351,"date":"2025-09-30T12:21:00","date_gmt":"2025-09-30T10:21:00","guid":{"rendered":"https:\/\/soldemar-realestate.com\/how-to-buy-property-in-spain-6-steps-to-your-own-home-under-the-sun\/"},"modified":"2025-10-10T11:24:11","modified_gmt":"2025-10-10T09:24:11","slug":"how-to-buy-property-in-spain-6-steps-to-your-own-home-under-the-sun","status":"publish","type":"post","link":"https:\/\/soldemar-realestate.com\/en\/how-to-buy-property-in-spain-6-steps-to-your-own-home-under-the-sun\/","title":{"rendered":"How to Buy Property in Spain? 6 Steps to your Own Home under the Sun!"},"content":{"rendered":"<h4 style=\"text-align: left;\" data-start=\"429\" data-end=\"916\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Do you dream of your own apartment by the sea? Or perhaps you imagine mornings on the terrace of a villa with a view of palm trees and a blue sky?  <\/span><\/h4>\n<p style=\"text-align: left;\" data-start=\"429\" data-end=\"916\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Buying property in Spain may seem complicated, but with proper preparation, it becomes a simple and safe process. <\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Below we present 6 key steps that will help you go from initial inspiration to the moment you receive your own Spanish keys to happiness.<\/span><\/p>\n<p style=\"text-align: left;\" data-start=\"429\" data-end=\"916\"><strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Step 1: Define your needs and budget. <\/span><\/strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Before you start browsing listings, take a moment and ask yourself a few important questions:<\/span><\/p>\n<ul>\n<li data-start=\"1064\" data-end=\"1163\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Do you want to live in Spain permanently, spend winters there, or perhaps you plan for holiday rentals?<\/span><\/li>\n<li data-start=\"1166\" data-end=\"1259\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Do you prefer a beachfront apartment, a house with a garden, or something more intimate?<\/span><\/li>\n<li data-start=\"1262\" data-end=\"1334\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Is proximity to the airport, schools, shops, restaurants, or the beach important?<\/span><\/li>\n<li data-start=\"1262\" data-end=\"1334\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif;\"><span style=\"font-size: 14px;\">Pay attention to property maintenance costs (rent, local IBI tax, utilities),<\/span><\/span><\/li>\n<li data-start=\"1337\" data-end=\"1485\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Are you prepared for differences in area standards (e.g., areas stated in listings may include common parts like corridors or terraces)?<\/span><\/li>\n<\/ul>\n<p data-start=\"1487\" data-end=\"1678\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Contact us \u2013 and we will help you narrow down the choice of location to your expectations (e.g., Costa Blanca or Costa del Sol), and then present tailored property proposals. <\/span><\/p>\n<p data-start=\"1487\" data-end=\"1678\"><strong><br \/>\n  <span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Step 2: Define your budget and financing method. <\/span><br \/>\n<\/strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">If you plan to pay in cash \u2013 great, but if you are interested in a mortgage, it is worth checking your creditworthiness with a Spanish bank in advance. For foreign buyers, banks usually offer financing up to 70% of the property value. <\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Remember that in addition to the purchase price, you need to account for:<\/span><\/p>\n<ul>\n<li data-start=\"2039\" data-end=\"2085\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">taxes and notary fees (approx. 10\u201314% of the price),<\/span><\/li>\n<li data-start=\"2088\" data-end=\"2128\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">costs of a sworn translator and lawyer,<\/span><\/li>\n<li data-start=\"2131\" data-end=\"2188\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">potential bank commissions and property valuation costs.<\/span><\/li>\n<\/ul>\n<p data-start=\"2190\" data-end=\"2234\"><strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Step 3: Property selection and reservation. <\/span><\/strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Do you already have a defined budget and chosen location? It&#8217;s time to browse listings and visit selected properties.  <\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Once you find the one, the next step is to sign a reservation agreement (Contrato de Arras) and pay a deposit (usually approx. 10% of the property value or 5,000\u201310,000 EUR for the secondary market). <\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">From this moment, the property is &#8220;reserved&#8221; for you, and you have time to conduct a formal verification.<\/span><\/p>\n<p><strong><br \/>\n  <span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Step 4: Verification of the property&#8217;s legal status. <\/span><br \/>\n<\/strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">This ensures you are buying a property without &#8220;surprises&#8221;<\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">. Note that buying a property on the secondary market is not done the same way as in Poland, and comparing offers by so-called m <sup>2<\/sup> is not applicable. Apartment sizes can often differ in reality from those stated in listings due to the inclusion of common areas such as corridors and balconies in the total area. <\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">This is one of the most important stages \u2014 there is no room for error here. Our collaborating Spanish lawyer will thoroughly check:<\/span><\/p>\n<ul>\n<li data-start=\"2860\" data-end=\"2910\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">whether the property has a clear mortgage (no debts),<\/span><\/li>\n<li data-start=\"2913\" data-end=\"2977\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">whether it is legally built and compliant with the development plan,<\/span><\/li>\n<li data-start=\"2980\" data-end=\"3021\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">whether the owner has the right to sell it,<\/span><\/li>\n<li data-start=\"3024\" data-end=\"3069\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">whether all bills and taxes are paid.<\/span><\/li>\n<\/ul>\n<p data-start=\"3071\" data-end=\"3142\"><strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Step 5: NIE Number and Bank Account. <\/span><\/strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">The NIE number (N\u00famero de Identificaci\u00f3n de Extranjero) is a mandatory document when purchasing property in Spain. <\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">It can be obtained locally, through a proxy, or via the consulate. <\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Concurrently, a bank account is opened with a Spanish bank \u2013 this will be useful for paying utilities, taxes, and for rentals.<\/span><\/p>\n<p><strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Step 6: Transaction finalization and signing of the public deed. <\/span><\/strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">The last step is a visit to the notary (Notario), who prepares the deed of ownership (Escritura P\u00fablica). <\/span><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">After signing the agreement:<\/span><\/p>\n<ul>\n<li data-start=\"3700\" data-end=\"3719\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">you receive the keys,<\/span><\/li>\n<li data-start=\"3722\" data-end=\"3784\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">you are officially entered into the register as the new owner,<\/span><\/li>\n<li data-start=\"3787\" data-end=\"3848\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">you can register with the local authorities and transfer utilities to your name.<\/span><\/li>\n<\/ul>\n<p data-start=\"3850\" data-end=\"3952\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">And it&#8217;s done! Now all that&#8217;s left is to open a bottle of Spanish wine and celebrate a new chapter in life. <\/span><\/p>\n<p><strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">What to keep in mind?<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Ensure that the chosen property has no mortgage encumbrances.<\/span><\/li>\n<li><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Check that the seller has settled all fees and taxes.<\/span><\/li>\n<li><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Utilize the services of an experienced law firm \u2014 this is key to transaction security.<\/span><\/li>\n<li><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">If you plan to rent it out, familiarize yourself with local regulations (they may vary depending on the region).<\/span><\/li>\n<li><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Do not compare prices &#8220;per square meter&#8221; as in Poland \u2014 in Spain, the stated area often includes common parts.<\/span><\/li>\n<\/ul>\n<p data-start=\"4441\" data-end=\"4457\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Buying property in Spain is not just an investment, but the beginning of a new adventure. <\/span><\/p>\n<p data-start=\"4441\" data-end=\"4457\"><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">With the right support, it is a simple and completely safe process. Our agency provides full transaction support: from property selection, through formalities, to key collection. <\/span><\/p>\n<p data-start=\"4441\" data-end=\"4457\"><br data-start=\"4721\" data-end=\"4724\"><strong><span style=\"font-family: tahoma, arial, helvetica, sans-serif; font-size: 14px;\">Do not wait for a &#8220;better moment&#8221;. If you dream of your own place under the Spanish sky \u2014 contact us today. We will help you find a home where the sun shines not only outside the window, but also in your heart.  <\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you dream of your own apartment by the sea? Or perhaps you imagine mornings on the terrace of a villa with a view of palm trees and a blue sky? Buying property in Spain may seem complicated, but with proper preparation, it becomes a simple and safe process. Below we present 6 key steps [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":25219,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[223],"tags":[276,277,278,279,280,281],"class_list":["post-55351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-apartment","tag-business-development","tag-house-for-families","tag-houzez","tag-luxury","tag-real-estate"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/posts\/55351","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/comments?post=55351"}],"version-history":[{"count":1,"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/posts\/55351\/revisions"}],"predecessor-version":[{"id":55353,"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/posts\/55351\/revisions\/55353"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/media\/25219"}],"wp:attachment":[{"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/media?parent=55351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/categories?post=55351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/soldemar-realestate.com\/en\/wp-json\/wp\/v2\/tags?post=55351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}