GUIDE DES ACHETEURS DE PROPRIÉTÉ EN ESPAGNE
Acheter une propriété dans votre pays d'origine peut être assez éprouvant pour les nerfs; acheter une propriété en Espagne ajoute des défis supplémentaires. Mais ne vous découragez pas - vous pouvez le faire, avec notre aide et celle de nos partenaires de confiance. Nous serons avec vous à chaque étape du voyage pour trouver votre maison au soleil.
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. La prochaine étape consiste pour nous à vous mettre en contact avec un avocat ou un notaire pour agir en votre nom. L'avocat effectuera toutes les recherches nécessaires sur la propriété et vous conseillera sur la preuve de propriété et les frais éventuels. (hypothèques, factures impayées, etc.) qu'il faudrait lever avant, ou en point de vente. Il est essentiel à ce stade de demander un numéro NIE (numéro d'identification d'étranger), ouvrir un compte bancaire et laisser une procuration (si cela est nécessaire) avec l'avocat avant de quitter l'Espagne. 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 à 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; ou
- 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 années d'expérience 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, eau, 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 Maisons & 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.
Environ 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 Maisons & Villas is committed to making your property purchase as straightforward, secure, and stress-free as possible.
FRAIS D'ACHAT ET TAXES
Une brève indication du type de dépenses que vous devrez payer lors de l'achat de votre propriété. Vous regarderez généralement 10% en plus du prix de la propriété pour couvrir tous les frais et taxes..
7% TAXE DE TRANSFERT
600€ FRAIS DE NOTAIRE (Environ)
600€ REGISTRES FONCIERS (Environ)
1200€ FRAIS DE JUSTICE (Environ)
Nous espérons que ces informations vous seront utiles dans votre recherche afin que dès le départ vous sachiez clairement combien vous coûtera une propriété, quelle fourchette de prix pouvez-vous regarder.
Il est conseillé de nommer un bon avocat lors de l'achat de quelque chose d'aussi important. Votre avocat peut vous aider à vous conseiller sur tout problème ou problème et également à prévenir tout problème futur en vérifiant tous les documents associés à la propriété que vous souhaitez acheter.. Votre avocat effectuera également des recherches sur les documents et s'assurera que tout est légal avec les éléments suivants:
- La propriété est libre de toutes dettes, problèmes, facture et est à jour de tous ses paiements.
- La propriété et le terrain correspondent aux détails enregistrés, et le vendeur est enregistré en tant que propriétaire légal
- Tout est en ordre avec les titres de propriété et la propriété est légale
- Toutes les taxes et tous les frais sont corrects.
- D'autres documents essentiels sont demandés, c'est-à-dire. Numéro d'identification pour les étrangers (NON)
- Les documents du conseil pour l'IBI et les frais d'ordures sont transférés au nom des acheteurs.
- Des prélèvements automatiques mis en place pour l'électricité, eau, frais de communauté, frais d'ordures et IBI.
- S'il y a des garages ou des placards de rangement, alors ceux-ci devraient être inclus dans l'Escritura.
- Si vous achetez sur une urbanisation - obtenez un document signé du président de la communauté pour déclarer qu'il n'y a pas de dettes communautaires impayées.
Typiquement, les honoraires d'avocat sont compris entre 0.5 et 1% du prix d'achat.
