Frequently Asked Questions

Yes, foreigners can freely purchase property in Spain. You only need an NIE number (Número de Identificación de Extranjero), which we can help you obtain.

The process includes: choosing a property, obtaining an NIE number, signing a reservation contract (deposit €3,000-6,000), legal documentation check, obtaining financing (if applicable), signing before a notary, and registration in the property registry.

Usually 2-3 months from reservation to completion before a notary. For properties with a mortgage, it may take 3-4 months.

You should account for: ITP tax (6-10% for resale) or VAT (10% for new properties), notary fees (approx. 0.5%), property registry (approx. 0.5%), lawyer (1-1.5%), and other fees. In total, approximately 10-13% of the property value.

Yes, non-residents can obtain a mortgage up to 60-70% of the property value. Good credit history and stable income are required. We assist throughout the entire mortgage process.

You need: NIE number, passport, proof of income (employment contract, tax returns), bank statements from the last 3-6 months, and property documents.

Current interest rates for non-residents typically range from 3-5% annually, depending on the bank, loan amount, and your credit profile.

Annual property tax (IBI) - usually €200-800 per year depending on value. If renting, you pay income tax on rental income. Non-residents also pay an annual ownership tax (IRNR).

Yes, capital gains tax is 19-24% depending on the profit amount. Non-residents are required to pay 3% of the sale value as a tax advance.

You should account for: IBI (local tax), community fees (if applicable) €40-150/month, utilities (water, electricity, internet), insurance, and any management costs.

No! Our property sales brokerage services are completely free for buyers. We receive commission from the developer or seller.

We help with: obtaining an NIE number, opening a bank account, obtaining a mortgage, legal services, property insurance, and rental management.

Yes! We provide full post-purchase support, including help with connecting utilities, property management services, and advice on legal and tax matters.

We speak Polish, English, and Spanish, so we provide full communication in your language throughout the entire purchase process.

It is not required. You can grant a notarial power of attorney and the entire process can be conducted by your representative. However, we recommend being present for the final signing of the notarial deed.

Usually 2-4 weeks. We can help speed up the process by arranging an appointment at the consulate or directly in Spain.

Yes, you can rent your property long-term or short-term (tourist rental). This requires tax registration and compliance with local regulations. We offer full rental management.