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Purchase process


1. The preliminary agreement When you decide on buying a property, the next step is signing so called reservation agreement. This way you secure the right to purchasing the real estate. The reservation fee differs from one transaction to another but usually is between 3000 and 5000 euros. After signing the contract, the purchasing process begins. In that period the date of the finalization of the transaction is established.

2. Verification of the property The solicitor overseeing each of our client is at your disposal at any time and would be glad to answer all your questions. They analyse the selected property to make sure that it is not mortgaged and there are no legal contraindications that could prevent the purchase.

3. Obtaining NIE number. Foreigners willing to purchase a property in Spain are obliged to obtaining the tax identification number- NIE. Only after the visit at the police station and receiving your personal number, you will be able to purchase a property legally. You cannot purchase a property in Spain without a number, so be sure to submit your application in advance, because even though the number is NOT issued immediately, you can wait up to several weeks for a visit. You can also request a lawyer or agent - you will need a notary power of attorney here. Only after receiving your own identification number will you be able to legally purchase the property. At Ideal Real Estate you will receive your NIE number in one day.

4. Creating a bank account. To purchase a real estate in Spain legally, it is required to create a Spanish bank account first. Using this account, you will be transferring all the payment instalments. To open an account in a Spanish bank, you need a passport or ID card and a NIE number. Creating an account alone does not generate costs, while having it already does. Costs about 60 euros a year depending on the bank. An account is necessary to make a transaction and then to pay current bills for water, electricity, gas, telephone, Internet etc. These bills in Spain are paid for by a standing order placed by the authorized person for the client. You should remember and ensure that your account is topped up.

5. Obtaining a mortgage. In many cases, it is necessary to apply for a loan in a bank. It is a very complex process. We have created a special guide to help you understand the procedure. Click on the link to the description of the loan procedure


6. Signing a notary contract and receiving the property.
In Spain, the sale is officially completed when both Parties (buyer and seller) sign a notarial property deed calls Escritura de compraventa. You pay with a bank check to buy real estate, which is the traditional and most secure form of payment. At the same time, you receive keys and copies of the property deed. After signing the notarial deed, the notary is obliged to provide information about the new owner of the property to the local Land Registry Office. From this moment, we have 30 days to pay all applicable transfer taxes related to the purchase and to complete the formalities related to the registration of the title. The final registration of the document may take up to several months.
 

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