{"id":987,"date":"2026-03-27T12:20:33","date_gmt":"2026-03-27T12:20:33","guid":{"rendered":"https:\/\/pvm-invest.com\/?page_id=987"},"modified":"2026-08-26T08:55:45","modified_gmt":"2026-08-26T08:55:45","slug":"buyers-guide","status":"publish","type":"page","link":"https:\/\/pvm-invest.com\/es\/buyers-guide\/","title":{"rendered":"Gu\u00eda del comprador"},"content":{"rendered":"
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Buying a property on the Costa del Sol<\/h1><\/div>\n\n\n\n
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Todo lo que necesitas saber. Este Buying guide resume los aspectos clave para tomar una decisi\u00f3n informada.<\/p>\n\n\n\n

The process, documentation, costs and legal implications<\/p>\n\n\n\n

Tailored to your buyer profile<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n

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<\/path><\/svg><\/div><\/div>

The buying process<\/h3><\/div>

Purchasing property in Spain follows a structured process that protects all parties.
Understanding it in advance allows you to act with confidence and avoid surprises.<\/p><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

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1. Define your budget and search for a property<\/h4><\/div>\n\n\n\n

Set a realistic budget that includes taxes and purchase costs (approximately 10 – 14% on top of the purchase price). Work with a local estate agent experienced with international buyers. Visit properties in person, or via virtual tour for off plan developments.<\/p>\n<\/div>\n\n\n\n

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\"Keys<\/figure>\n<\/div>\n<\/div><\/div>\n\n\n\n
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\"A<\/figure>\n<\/div>\n\n\n\n
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2. Obtain your NIE (Foreigner Identifcation Number)<\/h4><\/div>\n\n\n\n

Mandatory for any non-resident buyer. Apply at a Spanish Police Station or the Spanish Consulate in your home country. Processing takes 1 to 4 weeks. Without a NIE, you cannot sign the deed or open a Spanish bank account.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n

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3. Open a Spanish bank account<\/h4><\/div>\n\n\n\n

Not legally required, but highly recommended to manage payments, set up direct debits for taxes and receive mortgage funds. Many banks on the Costa del Sol offer services in English, German and other languages<\/p>\n<\/div>\n\n\n\n

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\"A<\/figure>\n<\/div>\n<\/div><\/div>\n\n\n\n
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\"Close-up<\/figure>\n<\/div>\n\n\n\n
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4. Reservation contract (Arras)<\/h4><\/div>\n\n\n\n

The buyer signs a preliminary contract (contrato de arras) and pays a deposit \u2014 typically 10% of the purchase price. If the buyer withdraws, the deposit is forfeited. If the seller withdraws, they must return double the deposit.<\/p>\n<\/div>\n\n\n\n

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5. Legal and technical due diligence<\/h4><\/div>\n\n\n\n

Your lawyer will check: outstanding mortgages, Land Registry records, building licences, habitation certificate, community fees owed and unpaid local taxes (IBI). For new builds: always verify the First Occupation Licence (licencia de primera ocupaci\u00f3n).<\/p>\n<\/div>\n\n\n\n

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\"Close-up<\/figure>\n<\/div>\n<\/div><\/div>\n\n\n\n
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\"Close-up<\/figure>\n<\/div>\n\n\n\n
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6. Signing the deed before a Notary<\/h4><\/div>\n\n\n\n

Both parties sign the public deed of sale (escritura p\u00fablica) before a Notary. The outstanding balance is paid by certified bank cheque or bank transfer. The Notary certifies the transaction as a public official.<\/p>\n<\/div>\n\n\n\n

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7. Tax payment and Land Registry registration<\/h4><\/div>\n\n\n\n

In the days following signing, your lawyer or gestor will settle the applicable axes (ITP for resale, VAT+AJD for new builds) and register the property in your name at the Land Registry (Registro de la Propiedad)<\/p>\n<\/div>\n\n\n\n

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\"Close-up<\/figure>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n
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Requirements by buyer profile<\/h3><\/div>

Purchasing property in Spain follows a structured process that protects all parties.
Understanding it in advance allows you to act with confidence and avoid surprises.<\/p><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

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\"spain, Spanish Buyer<\/p>\n\n\n\n

Spanish nationals<\/strong> with<\/strong> residence in Spain<\/strong><\/p>\n\n\n\n

<\/div><\/div>\n\n\n\n
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<\/path><\/svg><\/span>Basic documentation: <\/strong>Valid Spanish National ID (DNI) \/ NIF (same number as DNI) \/ Proof of financing (if applicable) <\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Tax considerations: <\/strong>ITP (transfer tax): 7% in Andalusia \u2014 New builds: 10% VAT + 1.2% Stamp Duty (AJD)<\/span><\/div>\n<\/div><\/div>\n\n\n\n

<\/p>\n<\/div>\n\n\n\n

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\"\" EU \/EEA Buyer<\/p>\n\n\n\n

Citizens of EU member states plus Iceland, Liechtenstein and Norway have the same rights as Spanish nationals to purchase property<\/strong><\/strong><\/p>\n\n\n\n

<\/div><\/div>\n\n\n\n
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<\/path><\/svg><\/span>Basic documentation:<\/strong> Passport or national ID card \/ NIE (mandatory for signing) \/ EU Citizen Registration Certificate (if resident in Spain)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Tax considerations:<\/strong> ITP 7% or VAT+AJD (same as Spanish buyers) – Non-residents: 3% withholding on future sale price (paid by seller)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Recommendation: <\/strong>Appointing a fiscal representative in Spain simplifies compliance and avoids surcharges. <\/span><\/div>\n<\/div><\/div>\n\n\n\n

<\/p>\n<\/div>\n\n\n\n

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\"\" Non – EU Buyer<\/p>\n\n\n\n

Citizens of countries outside the EU\/EEA (UK post-Brexit, USA, Switzerland, Middle East, etc.) can purchase freely, though with additional requirements.<\/strong><\/strong><\/p>\n\n\n\n

<\/div><\/div>\n\n\n\n
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<\/path><\/svg><\/span>Basic documentation:<\/strong> Valid passport \/ NIE (mandatory) \/ Declaration of source of funds (anti-money laundering) \/ Bank certificate confirming available funds<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Tax considerations:<\/strong> ITP 7% or VAT+AJD (same as all buyers) \/ IRNR: 24% (general non-EU rate) \/ Imputed income: 1.1% or 2% of cadastral value \u00d7 24% annually 3% withholding on future sale price \/ <\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Mandatory:<\/strong> Appointment of a fiscal representative in Spain. Annual Modelo 210 filing required<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Recommendation:<\/strong> Visa (check current legislative status before applying).<\/span><\/div>\n<\/div><\/div>\n\n\n\n
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<\/path><\/svg><\/div><\/div>

Documentation checklist<\/h3><\/div>

Having all documentation ready from the outset speeds up the process and avoids
delays at the signing stage.<\/p><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Property documents<\/h3><\/div>\n\n\n\n
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<\/path><\/svg><\/span>Land Registry extract<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Seller’s title deed<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Latest local property tax) receipt<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Community fees certificate (no outstanding debts)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Habitation certificate (c\u00e9dula de habitabilidad)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Energy Performance Certificate (mandatory)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Building plans and licences (new builds)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>First Occupation Licence<\/span><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n
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Buyer documents<\/h3><\/div>\n\n\n\n
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<\/path><\/svg><\/span>Valid national ID or passport<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>NIE (non-Spanish buyers)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Proof of address<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Bank statements (last 3\u20136 months)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Source of funds declaration<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Employment or business
documentation (for mortgage)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Spanish bank account details<\/span><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n
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Specific new builds<\/h3><\/div>\n\n\n\n
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<\/path><\/svg><\/span>Developer’s purchase contract<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Bank guarantee or insurance
covering stage payments<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Quality specifications and floor
plans<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Community statutes (if already
drafted)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>10-year structural warranty (garant\u00eda
decenal)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Municipal building licence<\/span><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n
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Mortgage purchases<\/h3><\/div>\n\n\n\n
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<\/path><\/svg><\/span>FEIN: European Standardised
Information Sheet<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>FIAE: Standardised Warning Sheet<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Pre-signing Notary visit (free
mandatory advisory)<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Notarial advisory certificate<\/span><\/div>\n\n\n\n
<\/path><\/svg><\/span>Official property valuation
(tasaci\u00f3n)<\/span><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
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\t\t\t\n\t\t\t\t\t\t\t\t<\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\tImportant for non-residents:<\/strong><\/span><\/div>

Anti-money laundering regulations (Law 10\/2010) require proof of legitimate source of funds for purchases above \u20ac50,000.<\/strong> Your lawyer or Notary will request supporting documentation. All international transfers must be made through regulated banking institutions.<\/p><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n

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New-Build Property Purchase Guide for Foreign Buyers<\/h3><\/div>

From choosing the development to your tax obligations after completion \u2014 the full process, always distinguishing between EU\/EEA buyers and non-EU buyers.<\/p><\/div><\/div>\n\n\n\n

\"\"<\/figure><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Buying a property on the Costa del Sol Todo lo que necesitas saber. Este Buying guide resume los aspectos clave para tomar una decisi\u00f3n informada. The process, documentation, costs and legal implications Tailored to your buyer profile 1. Define your budget and search for a property Set a realistic budget that includes taxes and purchase […]<\/p>\n","protected":false},"author":1,"featured_media":1197,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-987","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t