From the NIE to the deed: what to check, which taxes to expect and how to protect your deposit — no surprises, no commissions.
Buying in Spain is simpler than it looks when someone independent checks every step for you. This guide sets out, plainly, the path we follow with every buyer since 1987.
1 · Before you sign anything
The reservation and deposit agreements are binding contracts. Before paying a single euro it is worth checking ownership, charges and planning status at the Land Registry and the Cadastre.
- Land Registry extract (nota simple): who owns it and what charges exist.
- Outstanding community fees, council tax (IBI) and utility debts.
- Licences, habitation certificate and planning status.
2 · The NIE and the account
You will need an NIE (foreigner’s identification number) to buy, pay taxes and set up utilities. We can obtain it for you, even under power of attorney if you are not in Spain.
3 · Taxes and costs
A resale home is taxed via transfer tax (which varies by region); a new home via VAT plus stamp duty. Add notary, registry and processing. We give you a written breakdown before you commit.
We do not represent the estate agent or the seller: on your purchase we work only for you.
4 · The signing and after
At the notary the deed is signed and the keys handed over. Afterwards we settle the taxes, register the property in your name and help with the transfer of utilities and community. And we remain available for any later question.
