GUÍA DEL COMPRADOR DE PROPIEDAD EN ESPAÑA
Comprar una propiedad en su país de origen puede ser lo suficientemente estresante; comprar una propiedad en España añade desafíos adicionales. Pero no te desanimes, puedes hacerlo, con nuestra ayuda y la de nuestros socios de confianza. Estaremos con usted en cada paso del camino para encontrar su hogar en el sol..
Your Property Purchase Journey
Congratulations! We hope you have found your dream property in the beautiful Costa de Almería with the help of Mojácar Homes & Villas. El siguiente paso es que lo pongamos en contacto con un abogado o procurador para que actúe en su nombre.. El abogado llevará a cabo todas las búsquedas necesarias en la propiedad y le asesorará sobre la prueba de propiedad y cualquier cargo. (hipotecas, facturas impagas, etc.) que tendría que ser levantado antes, o en el punto de venta. Es imprescindible en esta etapa solicitar un NIE número (número de identificación de extranjero), abrir una cuenta bancaria y dejar un poder notarial (si esto es necesario) con el abogado antes de salir de España. Our priority is to ensure that your buying experience is smooth, transparent, and enjoyable from start to finish.
How Long Does the Purchase Process Take?
A typical resale property transaction usually completes within 5 a 6 weeks, although it may be quicker if your NIE number, Spanish bank account, and finances are already in place.
When the reservation contract is signed, both parties agree on a completion deadline. In many cases, completion can be flexible, particularly if:
- the buyer is waiting to sell a property in their home country;
- mortgage arrangements require additional time; o
- the seller is purchasing another property before moving.
As long as both parties agree, completion can take place on or before the agreed completion date.
Purchasing a New-Build Property
The process for new-build properties is slightly different, as completion depends on the construction schedule.
Payments are normally made in agreed stages throughout the build. Developers should provide bank guarantees for each stage payment, protecting your investment should they fail to fulfil their contractual obligations.
Choosing a Solicitor
Selecting an experienced and reputable independent solicitor is one of the most important decisions you will make during your purchase.With almost 20 años de experiencia helping clients buy property throughout Andalucía, we have built strong relationships with a number of highly respected legal professionals and have received recommendations from thousands of satisfied buyers.We are happy to provide details of solicitors we know and trust. You can also view our recommended professional services here:
https://mhvspain.com/local-professional-services-recommendations/
Ultimately, the choice is entirely yours. We recommend selecting a solicitor with whom you feel comfortable, who communicates clearly in your language, and who will represent your interests throughout the transaction.
Your solicitor will:
- Carry out all legal due diligence on the property.
- Confirm the property is legally registered and free from debts or encumbrances.
- Verify licences and planning documentation where applicable.
- Arrange the transfer of utility contracts, including electricity, agua, and telecommunications.
- Register your ownership following completion.
- Ensure all taxes and legal formalities are completed correctly.
Once a purchase price has been agreed between buyer and seller, the next step is to reserve the property by paying an initial deposit. This reservation deposit secures the property and, where applicable, requires the seller to withdraw it from the market, including from any other estate agents if the property is being jointly marketed.
Mojácar Homes & Villas will prepare the Reservation Contract (Contrato de Arras), which is signed by both parties. This contract is governed by Spanish Arras Law and provides legal protection for both buyer and seller.
The initial reservation deposit is €3,000 . This removes the property from the market and allows your solicitor sufficient time to carry out all necessary legal checks and due diligence.
Aproximadamente 21–28 days after the reservation contract has been signed, the balance of the 10% contractual deposit is payable. The initial €3,000 reservation deposit forms part of this 10%, not an additional payment.
Once the 10% deposit contract has been signed, both parties are legally committed to the transaction.
Under Spanish Arras Law:
- If the seller withdraws from the sale, they must return double the amount of the deposit paid as compensation.
- If the buyer withdraws without legal justification, the deposit paid will be forfeited.
Before completion, a full inventory of fixtures, fittings, and included items will be prepared by a member of our team and attached to the purchase contract where appropriate.
Completion at the Notary
The purchase officially completes when the Escritura de Compraventa (Title Deed) is signed before a Spanish Public Notary (Notario).
The Notary is an independent public official responsible for verifying the legality of the transaction, confirming the identities of all parties, and ensuring the deed is executed correctly.
Completion takes place at the Notary’s office and is normally attended by both buyer and seller (or their legal representatives), together with their solicitors where appropriate.
If you are unable to attend in person, your solicitor can sign on your behalf using a Power of Attorney, provided this has been arranged in advance.
Important: Please ensure that the full purchase funds have been transferred into your Spanish bank account before the completion appointment, as the final balance must be available on the day of signing.
After Completion
Following completion, the Notary submits the Title Deed to the Spanish Land Registry for formal registration.
Registration can take several months, so there is no cause for concern if you do not receive the final registered deeds immediately.
Once you have become the legal owner, you should also register on the Padrón Municipal (local residents’ register) at your local Town Hall (Ayuntamiento). Registration on the Padrón is recommended for all residents and may be required for access to certain local services and administrative procedures.
We’re Here to Help
Buying a property in Spain is an exciting milestone, and our experienced team will be with you every step of the way. From your initial reservation through to completion and beyond, Mojácar Homes & Villas is committed to making your property purchase as straightforward, secure, and stress-free as possible.
TARIFAS E IMPUESTOS DE COMPRA
Una breve indicación del tipo de gastos que deberá pagar en la compra de su propiedad. Por lo general, mirará 10% además del precio de la propiedad para cubrir todas las tasas e impuestos..
7% IMPUESTO DE TRANSFERENCIA
600€ HONORARIOS DE NOTARIO (Aprox.)
600€ REGISTRO DE LA PROPIEDAD (Aprox.)
1200€ HONORARIOS LEGALES (Aprox.)
Esperamos que esta información le sea de ayuda en su búsqueda para que desde el principio tenga claro cuánto le costará una propiedad., ¿Qué rango de precios puedes mirar?.
Es recomendable contratar un buen abogado a la hora de comprar algo tan importante. Su abogado puede ayudarlo a asesorarlo sobre cualquier problema o problema y también ayudarlo a prevenir problemas futuros al verificar todos los documentos asociados con la propiedad que está interesado en comprar.. Su abogado también realizará búsquedas en el papeleo y se asegurará de que todo sea legal con lo siguiente:
- La propiedad está libre de cualquier deuda., problemas, cobra y está al corriente de todos sus pagos.
- La propiedad y el terreno coinciden con los datos registrados, y el vendedor está registrado como propietario legal
- Todo está en orden con los títulos de propiedad y la propiedad es legal
- Todos los impuestos y costos son correctos..
- Se solicita otro papeleo esencial, p.. Número de cédula para Extranjeros (NO)
- Los documentos municipales para el IBI y las tasas de basura se transfieren a nombre de los compradores..
- Domiciliaciones configuradas para electricidad, agua, gastos de comunidad, tasas de basura e IBI.
- Si hay garajes o trasteros, entonces estos deben ser incluidos en la Escritura.
- Si compra en una urbanización, obtenga un documento firmado del presidente de la comunidad para declarar que no hay deudas comunitarias pendientes.
Típicamente, los honorarios del abogado están entre 0.5 y 1% del precio de compra.