BOOK YOUR VIEWING TODAY
The safest and easiest way to buy a property in Spain!
Your property purchase in Spain is probably the biggest purchase you and your family will ever make.We believe that buying a home to dedicate to family holidays or to retire to should be a pleasure in itself. From choosing the location, deciding what type of property you want, looking at furniture to planning your days in the sun. We are here to help you with all of this and we can assure you that it will be one of the best property buying experiences you will ever have.
Visit the areas....
It is essential that you visit the different areas to get an idea of the different locations. You will take a closer look at the areas and their specific properties, where you will also have the opportunity to discuss your own individual wishes in detail. You will be shown around the different locations in order to find the best possible solution for you, using our experience and sensitivity.
When you find a property...
that you want to buy, we will introduce a lawyer / attorney to you. You can also contact a lawyer yourself if you want. We will also help you open a Spanish bank account and if necessary, schedule a meeting with a Spanish bank advisor to discuss details of a possible Spanish mortgage loan.
Spanish banks lend between 60-70% of the purchase price and in addition to this, there are costs such as VAT, transfer tax (second-hand properties), stamp duty, notary, title deeds which amount to about 13-13.5%
Spanish banks lend between 60-70% of the purchase price and in addition to this, there are costs such as VAT, transfer tax (second-hand properties), stamp duty, notary, title deeds which amount to about 13-13.5%
The documentation that Spanish banks want is...
the three most recent pay slips, passport, UC form (Credit Information Form) and the tax return for the previous year. If you want to buy with a Spanish loan, it may be a good idea to bring this documentation with you when you go down for a viewing.
Reservation fee / Down payment...
varies with regard to second-hand properties and new construction. Normally, for used properties, a down payment of 3000.00 euros is paid by the date the title deed is to be signed (This may vary depending on the price of the property you intend to buy). As for new construction, the payment method is usually that you pay a deposit of 6000.00 euros and then you pay 25% after 30 days and then another 25% after 60 days and then make the final payment when you take over/the title deed when you pay 50% + VAT, notary, etc. (The payment process may vary between the different construction companies)