Полное руководство: покупка недвижимости в Испании

Why buy property in Spain?

Spain has been one of the most popular destinations for property investment for years. With over 300 days of sunshine per year, excellent infrastructure, and affordable prices compared to Northern Europe, it's no surprise that thousands of international buyers purchase property on the Spanish coast every year.

Step 1: Apply for a NIE number

The NIE number (Número de Identidad de Extranjero) is the first thing you need. This is your tax identification number in Spain, required for every property transaction.

Where to apply?

• At a Spanish consulate in your home country (2-4 weeks)
• At a police station in Spain (faster, but you need to be there in person)

Required documents:

• Valid passport + copy
• Completed form EX-15
• Reason for application (purchase agreement or letter of intent)

Step 2: Open a Spanish bank account

A Spanish bank account is needed for:

• Mortgage payments
• Community fees (comunidad)
• Utilities (water, electricity)
• Annual taxes (IBI)

Popular banks: CaixaBank, Sabadell, BBVA, Santander.

Step 3: Find and reserve a property

On Alistora, you'll find hundreds of new build projects across Costa Blanca, Costa Cálida, and Costa del Sol. Filter by location, type, price, and features.

When interested, a reservation agreement is signed with a deposit of typically €3,000 to €10,000. This takes the property off the market.

Step 4: Hire a lawyer

An independent lawyer (abogado) is strongly recommended. The lawyer:

• Checks the property title
• Reviews the purchase contract
• Verifies there are no debts or charges on the property
• Guides the entire transaction

Cost: 1-1.5% of the purchase price (minimum €1,500)

Step 5: Sign the purchase contract

The "contrato de compraventa" includes:

• Price and payment schedule
• Completion date
• Penalty clauses for cancellation

For new builds, the payment schedule is typically: 30% at contract signing, 70% at completion.

Step 6: Notary and transfer

At the notary (notaría), the deed of sale (escritura) is signed. At that point:

• You pay the remaining balance
• Keys are handed over
• The property is registered at the land registry

Purchase costs

New build

• IVA (VAT): 10% of purchase price
• AJD (stamp duty): 1.2-1.5% depending on region
• Notary: €600-1,200
• Land registry: €400-700
• Lawyer: 1-1.5%
• Total: approximately 13-14% on top of purchase price

Resale

• ITP (transfer tax): 7-10% depending on region
• Notary: €600-1,200
• Land registry: €400-700
• Lawyer: 1-1.5%
• Total: approximately 10-12% on top of purchase price

Mortgage for non-residents

• Maximum financing: 60-70% of appraised value
• Term: 20-25 years
• Interest rate: 2.5-4.5% (2026 rates)
• Required documents: proof of income, tax returns, employment contract

Annual costs

• IBI (property tax): 0.4-1.1% of cadastral value
• Community fees: €50-300/month
• Insurance: €200-500/year
• Utilities: €100-200/month
• Non-resident tax: imputed income of 1.1-2% of cadastral value, taxed at 19% (EU) or 24% (non-EU)