How to Buy Property in Spain as a Pole – Step by Step

Buying property in Spain is not only a dream for many Poles but also a real opportunity for investment, a lifestyle change, or securing the perfect place for vacations and retirement. In 2025, with the growing interest in the Costa Blanca region, more and more of our compatriots are deciding to take this step. This guide will help you navigate the entire process from A to Z.

Why is it worth buying property in Spain?

☀️ Climate and Quality of Life

On average, over 300 sunny days a year
Low living costs compared to Poland
High quality of healthcare
Space, tranquility, and a slower pace of life

🏖️ Most Popular Cities

Torrevieja – ideal for families and retirees
Alicante – a large city with an airport and urban atmosphere
Orihuela Costa – plenty of new developments and beaches
Guardamar del Segura – a calm, local atmosphere
Pilar de la Horadada – a niche location with potential

📍 See properties on Costa Blanca – listings for sale

Step 1: Understand Your Purchase Goal

Are you buying for:

Your own vacations?
Permanent residence?
Investment and rental?
Retirement relocation?

Your goals determine the location, type of property, and budget.

📧 Fill out the preference form – we will match offers for you

Step 2: Budget, Costs, and Financing Options

💸 Budget:

Property purchase: from €200,000 (apartment) to €500,000+ (villas with pools)

🏛️ Additional Costs:

IVA / ITP: 10% of the property value
Notary and registration fees: approx. 2–3%
Maintenance (community, IBI tax): approx. €60–150 monthly
Furnishing and equipment: from €5,000 upwards

🏦 Financing:

Cash purchase (the simplest)
Mortgage in Spain (for non-residents: minimum 30% down payment)
Loan in Poland for foreign purchase

Step 3: Finding the Right Real Estate Agent

A trusted, local real estate agent is your safety:

Knows the law and market customs
Helps with paperwork (NIE, translations, notary)
Represents your interests in negotiations

👤 Schedule a free consultation with our Polish-speaking agent →

Step 4: Review and Select Offers

Don't buy with your eyes – compare, analyze, ask. Make sure the property meets your expectations.

What to pay attention to:

Distance to the sea, shops, and transportation
Year of construction and technical condition
Housing community and fees
Sun exposure (south is gold!)

📅 Book a property viewing

Step 5: Securing the Purchase

Reservation Agreement (Contrato de Arras)

Deposit of €3,000–6,000 or about 10% of the price
Blocks the property and starts the formal process

NIE Number (Foreigner Identification Number)

Required for purchase
Can be obtained remotely through a notary or in person

📢 Commission us to obtain NIE and handle formalities →

Step 6: Finalization with the Notary

Document verification by a lawyer
Signing the notarial deed (escritura pública)
Transfer of ownership and registration in the land registry

This usually takes 4–8 weeks from signing the reservation agreement.

📑 Learn more about transaction security →

Step 7: After the Purchase – What Next?

🛋 Property Management

Short-term rental (with a tourist license)
Long-term rental (stable income)
Collaboration with a management company (we will take care of it!)

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Frequently Asked Questions (FAQ)

Can I buy property without knowing the language?

Yes, with our support you do not need to know Spanish. The entire process can be conducted in Polish.

Can I buy remotely?

Yes. A notarized power of attorney is sufficient. We will handle the entire transaction for you.

Do I need to be a resident?

No. Poles can buy as non-residents.

What taxes will I have to pay?

IBI (local tax) approx. €100–300 annually
IRNR (for non-residents renting)

🚀 Invest in Your Dream

Whether you are looking for a holiday apartment, a second home, or a way to generate passive income – we will help you every day.

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