Share the details of your case, and our legal team will assess your situation to offer tailored and transparent advice.
Yes. Spanish legislation allows any foreign citizen to acquire real estate, whether resident or not.
To formalize the purchase you will need:
• NIE (Foreigner Identity Number).
• Opening of a bank account in Spain.
• Justification of the source of funds.
• Legal representation if you are unable to travel.
Beyond the formal requirements, what is really important is to carry out a prior legal review: registration status, burdens, debts, urban planning conditions and regulatory compliance. This phase is the one that guarantees real investment security.
Taxation depends on the type of property:
• Second-hand housing: Property Transfer Tax (ITP).
• New housing: VAT + Documented Legal Acts (AJD). In addition to:
• Notary Office
• Property Registration
• Administrative management
• Professional fees
The total cost is usually between 10% and 13% additional to the purchase price, depending on the autonomous community. Prior planning makes it possible to avoid surprises and to optimize the tax structure.
Legal security is not limited to verifying a simple registry note.
It is essential to analyze:
• Mortgage burdens or foreclosures.
• Debts to the community of owners.
• IBI pending.
• Urban situation.
• Building licenses and legality.
• Possible sanctioning cases.
In certain areas, especially in coastal or rural areas, there are buildings with undeclared extensions or buildings out of order. Detecting it before signing is key to avoiding economic risks and future limitations.
Yes, although conditions vary depending on:
• Whether you are a resident or a non-resident.
• Your country of tax residence.
• Level of income and financial stability. In general terms, banks usually finance:
• Up to 80% for residents.
• Between 60% and 70% for non-residents.
The financial strategy must be studied before signing any savings contract to ensure viability and avoid penalties.
Acceptance of inheritance requires:
1. Notarial Deed.
2. Inheritance Tax Settlement.
3. Registration in the Land Registry.
The general deadline for paying the tax is six months from the death. It is possible to process the entire procedure through legal representation, without the need for travel. In addition, it is appropriate to analyze the applicable taxation according to the autonomous community and the residence of the heir.
Under normal conditions, from reservation to signature before a notary, the process usually lasts between 4 and 8 weeks. However, it can be extended if:
• Mortgage financing is available.
• Additional urban planning checks are required.
• The property has registry issues.
Adequate coordination between lawyer, notary, bank and seller makes it possible to reduce deadlines and minimize risks.
Our team works from different parts of the territory, offering advice throughout Spain.
In-person care by appointment at our headquarters in Calle Ruperto Chapí, 12 Local 5, 03581 - El Albir, Alfaz del Pi (Alicante)
