Buying Property in Spain: A Complete Guide
Foreigners can buy property in Spain freely, including non-residents, though buyers need an NIE (foreigner identification number). Purchases complete before a notary and register at the Land Registry. Beyond the purchase price, budget for transfer tax or VAT, notary, registry, and legal fees — exact rates vary by region and property type and should be confirmed with a Spanish lawyer.
This guide is being built out. The structure and headline answers are in place; detailed sections are still being researched and professionally reviewed.
Foreigners can buy property in Spain freely, including non-residents, though buyers need an NIE (foreigner identification number). Purchases complete before a notary and register at the Land Registry. Beyond the purchase price, budget for transfer tax or VAT, notary, registry, and legal fees — exact rates vary by region and property type and should be confirmed with a Spanish lawyer.
Who can buy property in Spain
Eligibility for residents and non-residents.
Step-by-step buying process
Reservation, deposit contract, and completion before a notary.
Getting an NIE and a bank account
How to obtain an NIE and set up Spanish banking.
Transaction costs and regional taxes
Transfer tax vs VAT, notary and registry fees that vary by region.
Legal due diligence and the notary
The notary's role and independent legal checks.
Mortgages for non-resident buyers
Availability and typical terms for non-residents.
Ongoing ownership costs and taxes
Annual taxes and running costs.
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