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Spain apartment to buy

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287,000
* €/m2
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238 m2 | 9 bedrooms | 2 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Find a property for sale in Spain. Search houses for sale in Spain with albir-properties-for-sale.com.ru 6 Reasons You Should Reconsider Buying Property In Spain. In June , I When I bought my apartment I was 64 years old. I concluded. Spanish properties for sale found on thinkSPAIN, the leading Spain portal with over Apartment for sale in Playa del Cura, Gran Canaria.

Show filter criteria. Hide filter criteria. Region Loading Show more location filter criteria. Hide location filter criteria. Close to. Historic centre. Nursing home. Train station. Bus stop. Shopping area. Public square. Leisure centre. Touristic area. Ski slope. Natural park. Sub type Loading Present situation non-relevant Occupied Empty Rented In construction. Habitable non-relevant Habitable Not habitable. Show more specific filter criteria.

Hide specific filter criteria. How much. Spain Comunidad Valenciana. Apartment Area: 83 m 2 3 Bedrooms. Beautiful apartment in lovely Spanish town. Spain Murcia. Apartment Area: 95 m 2 3 Bedrooms. Lovely apartment in the heart of a Spanish town. Apartment Area: 90 m 2. Spanish Town House. Cervera Del Maestre.

House Area: m 2. Plot Ideal For Building. Cevera Del Maestre. Our initial communications had led me to believe that they were interested in a property in the central historic district that would serve as their home for part of the year and provide some rental income when they were not in residence. I had thought that the primary purpose of their purchase was to provide an alternative life experience.

It was now clear that return on investment was paramount. I share this story because when buying a property overseas , you must be clear about your objectives. The preeminent question should be whether you are buying primarily as an investment or as a lifestyle purchase intended to bring you a better life experience.

This is not an article full of tax details and financial recommendations. I am not an accountant, and you probably have a unique financial portfolio that most likely requires a specialist. Also, given the U. What I will share is the path that led me to Valencia in the hope that this might help you with your own decision… even though my path may convince you that Valencia and possibly all of Spain is not right for you.

Here is a list of the influencers that I used to determine if Spain was the best option for me. I have also included some important questions I considered during my search but which may also apply to a property search in any country. I chose Valencia because I wanted a pedestrian friendly, walkable city that would allow me to live downtown without owning a vehicle.

Ask yourself:. I spent most of my life in Nashville, Tennessee. The metropolitan area of Valencia is estimated to be approximately 1. So my transition to Valencia was easier than if I had chosen a much larger city such as Barcelona population 4. I wanted a significant university presence. Valencia has a university with an estimated 50, students at its three main campuses. I wanted history. Valencia was founded in B. I wanted entertainment options—Orquesta de Valencia, multiple venues for opera, ballet, the Berklee College of Music campus, and more.

When I bought my apartment I was 64 years old. I concluded that income would be a good thing and appreciation potential less important. If you have celebrated your 50th birthday your time horizon might dictate a much different set of guidelines for a purchase. My original intention was to spend six months a year in Valencia and six months in another country, probably in North America.

That is still my long-term plan. Spain is ranked in the top eight best health care systems in the world. Valencia opened the largest hospital in Europe five years ago. A Spanish private health insurance policy for a person aged 65 or older is euros per month. Some countries offer expedited residency with a reasonable property purchase, a modest business investment, or a monetary deposit in a local bank.

Spain offers a Golden Visa with a purchase of , euros or more. This minimum requirement limits the number of applicants to a small universe of wealthy investors.

Many countries have a significantly lower tax rate for foreign investors. Portugal, under the Non-Habitual Resident program, grants significant reductions during the first 10 years after an individual declares Portugal to be his or her tax residency. Spain offers no such abatement program. The good news? As of January , the foreign currency exchange rate of the U. This does not include the modest property appreciation I have realized.

Apartment purchases in Valencia today, converting from U. These management costs can be reduced with property rentals longer than 30 days, but long-term rentals are not as lucrative as short-term rentals.

Now a writer, Mike currently aspires to find a rural cottage in a country yet to be determined that complements his Spanish apartment in the central historic district of Valencia.

602,000
* €/m2
Buying property in Spain
149 m2 | 2 bedrooms | 1 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Property for sale in Spain. My RM. Delete. Property Type. Any. Any, Houses, Flats / Apartments, Bungalows, Land, Commercial Property, Other. Currency. Where would you like to live? Find your dream home. Buy Rent Holidays. Property. International Spain. Property for Sale in Spain. List Map. Buy; Rent. Top cities in Spain. Madrid · Barcelona · Marbella · Sevilla · Zaragoza · Málaga · Murcia.

Last update on May 21, The Spanish property market Spain suffered during the global financial crisis and ensuing property market crash. Should you rent or buy in Spain? Can foreigners buy property in Spain? Buy a property, get a visa Spain currently offers a golden visa program for property owners. Buying a home in Spain: where to find real estate As it is easy for foreigners to buy property in Spain, there are websites and estate agents catering to almost every language and nationality.

Illegal properties For a long time, Spain has been popular with overseas buyers looking for holiday homes. They recommend, at minimum checking: The credentials of any lawyers or estate agents used; the land registry Registro de la Propriedad ; that appropriate planning permission has been obtained; that there are no outstanding debts attached to the property, such as a mortgage; that the property is as described and structurally sound either a surveyor or an architect can do this.

Buying off plan or a new-build home The worst property scams in Spain, as elsewhere, involve unfinished or unbuilt properties. At minimum you should: Check the company exists; check online at www. Ensure that the project is registered with the land registry. Check that planning permission has been granted by enquiring at the local city hall.

Enlist an independent party for any translations. Demand proof that any sums paid e. Debts transfer with property In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. Buying a Spanish property The process of buying a property in Spain usually runs as follows. Legal requirements The services of a notary are not legally necessary to complete the sale. Funding purchase: deposits and mortgages Following the crash, Spanish banks were reformed with significant IMF involvement.

Fees and charges The buyer usually pays the fees. Flat lay of business concept Capital gains tax Capital gains tax is paid on the profit of selling your home, i. Choosing a reliable lawyer Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados.

Finding a translator Many governments provide lists of lawyers and translators who speak both Spanish and another language. Related articles. July 1, A guide to Spanish mortgages. Housing Listings. May 28, 2 bedroom Apartment for sale in Pedreguer. May 28, 2 bedroom Apartment for sale in El Mojon. May 28, 3 bedroom Townhouse for sale in Facheca. More houses. Latest articles.

April 30, Planning your wills and estates in Spain. January 27, Car insurance in Spain. June 18, A guide to banking in Spain.

Measurements of United Sta Buy an apartment in Spain Are you looking for an apartment to buy in Spain?

Loft with industrial style in Camp de l' Arpa. Apartment for investors with terrace in Sants. Modern Penthouse in the Heart of Calpe within m from the beach.

Apartment with pool in Plaza Europa. Exclusive flat with views of the Retiro Park. Modern apartment in small community. Bright apartment on the Passeig de Manresa. Modern apartment in walking distance to the port. Modern apartment in the heart of Port Andratx. Fantastic duplex penthouse at a stone's throw from the beach. Leisure centre. Touristic area. Ski slope. Natural park. Sub type Loading Present situation non-relevant Occupied Empty Rented In construction.

Habitable non-relevant Habitable Not habitable. Show more specific filter criteria. Hide specific filter criteria. How much. Spain Comunidad Valenciana. Apartment Area: 83 m 2 3 Bedrooms. Beautiful apartment in lovely Spanish town. Spain Murcia. Apartment Area: 95 m 2 3 Bedrooms. Lovely apartment in the heart of a Spanish town. Apartment Area: 90 m 2. Spanish Town House. Cervera Del Maestre. House Area: m 2.

Plot Ideal For Building. Cevera Del Maestre.

665,000
* €/m2
Buy an apartment in Spain
271 m2 | 1 bedrooms | 9 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
6 Reasons You Should Reconsider Buying Property In Spain. In June , I When I bought my apartment I was 64 years old. I concluded. Top quality fixtures and fittings the apartments are everything one can imagine and more. Search hundreds of properties for sale and rent in Spain. Spanish Property Choice is a family Apartment for sale in Formentera de Segura, Alicante. €​42,

Buy a property, get a visa Spain currently offers a golden visa program for property owners. Buying a home in Spain: where to find real estate As it is easy for foreigners to buy property in Spain, there are websites and estate agents catering to almost every language and nationality. Illegal properties For a long time, Spain has been popular with overseas buyers looking for holiday homes.

They recommend, at minimum checking: The credentials of any lawyers or estate agents used; the land registry Registro de la Propriedad ; that appropriate planning permission has been obtained; that there are no outstanding debts attached to the property, such as a mortgage; that the property is as described and structurally sound either a surveyor or an architect can do this.

Buying off plan or a new-build home The worst property scams in Spain, as elsewhere, involve unfinished or unbuilt properties.

At minimum you should: Check the company exists; check online at www. Ensure that the project is registered with the land registry. Check that planning permission has been granted by enquiring at the local city hall. Enlist an independent party for any translations. Demand proof that any sums paid e.

Debts transfer with property In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. Buying a Spanish property The process of buying a property in Spain usually runs as follows.

Legal requirements The services of a notary are not legally necessary to complete the sale. Funding purchase: deposits and mortgages Following the crash, Spanish banks were reformed with significant IMF involvement. Fees and charges The buyer usually pays the fees. Flat lay of business concept Capital gains tax Capital gains tax is paid on the profit of selling your home, i.

Choosing a reliable lawyer Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados. Finding a translator Many governments provide lists of lawyers and translators who speak both Spanish and another language. Related articles. July 1, A guide to Spanish mortgages. Housing Listings. May 28, 2 bedroom Apartment for sale in Pedreguer.

May 28, 2 bedroom Apartment for sale in El Mojon. May 28, 3 bedroom Townhouse for sale in Facheca. More houses. Latest articles. April 30, Planning your wills and estates in Spain. January 27, Car insurance in Spain. June 18, A guide to banking in Spain. April 10, Vaccinations in Spain. Next Previous. My settings. Eyeota Enable. Use extreme caution if an estate agent, promoter or lawyer urges you to cut corners to save money or time.

The notary is a public servant who has a duty to provide you with free and impartial legal advice on all aspects of the contract before you sign. It is a good idea to seek advice from the notary early on. When a date is set for signing the contract, you have 3 days beforehand to visit the notary and ask any questions you may have about any aspect of the contract.

Find English-speaking notaries. If your lawyer is based in Spain, ask for their registration number and check that they are registered and practising with the local bar association Colegio de Abogados. You should also check that your lawyer has professional indemnity insurance and do not sign any papers or hand over any money until you have taken independent legal advice. Although the British Embassy cannot recommend a lawyer, we do have lists of local English-speaking lawyers and qualified translators available on our website.

Only a Gestor Administrativo with the GA kite mark is professionally qualified and certified to process paperwork directly with the Spanish administration. More information can be found on their services here. If you are involved in a property dispute and do not have enough money to pay the costs of a court case, you can apply for legal aid. More information is available on the European E-Justice Portal. If you are resident in Spain, you should apply to the local bar association.

You may need to find a new lawyer with specific expertise for example, specialist civil lawyers for compensation claims against private parties such as agents, developers or banks, and specialist public body litigants contencioso administrativo for claims against local, regional or state authorities. If you do not have a good understanding of Spanish, make sure that you get all contracts and documents translated by an independent translator.

You can find a list of accredited translators and interpreters in Spain on the Spanish Ministry for Foreign Affairs website. Do your homework: you should analyse and compare different products and services offered by lending companies. If you have any doubts about the terms and conditions, ask the lender to explain. You should also check with the Bank of Spain that the lender is authorised to operate in Spain. There are a range of mortgages on offer and you should pay special attention to the interest rate and repayment period, fees for setting up the mortgage as well as early repayment and cancellation fees.

If you cannot keep up the mortgage repayments, the Spanish bank could repossess your property in Spain. If the value of the property is less than the total debt outstanding you are in negative equity , the bank may pursue your UK assets to recover the mortgage shortfall using a European Enforcement Order.

Make sure you fully understand the mortgage agreement you sign. If you have any doubts check with the branch during the 10 working-day period after the binding offer has been provided. If for any reason you cannot keep up the mortgage repayments, you should speak to your bank immediately before defaulting on repayments to discuss the options available.

Further information on mortgages in Spain is available from the Spanish Mortgage Association. The Spanish tax authority, the Agencia Tributaria provides some information on its website in English.

See the Living in Spain guide for brief information on taxation. See property fraud guidance. If you believe your lawyer has been negligent and has not met their obligations, you should first complain to the provincial bar association.

If their response is unsatisfactory, you can take your complaint to the regional and then national bar associations. If you have a complaint about the way a court has handled your case, contact the General Council of the Judiciary. If you have a complaint against a notary or gestor administrativo, contact the professional council of which they are a member. See residency requirements in Spain. You should check that planning permissions are in order and the property is a legal build.

This is particularly important when buying off-plan or direct from a developer. The town hall can tell you whether the building has all licences and permissions and what type of land it is. If the property is built on rural land or land that is not classified for construction, you should ask the regional government to confirm construction is authorised.

If you are buying an off-plan property, confirm that the property has been certified as finished by a registered architect and registered as a new build in the property register. In the case of a private build the previous owner built their own house and decided to sell before 10 years had lapsed you will need to request these details separately. You should check the latest town plan to see whether or not the plot you wish to buy has any building restrictions, is in a green zone or includes a public pathway or similar.

You can do this at to the town planning urbanismo department of the local town hall. You should have the property surveyed. This is not obligatory, but it is wise to get a chartered surveyor to check the property. You should know the cadastral value of the property and how much purchase tax will be due.

On completion, the public deed should contain an accurate description of the property. You should register the property in your name with the Land Registry as soon as possible to ensure full protection of your rights. The notary can even send advance notification to the Land Registry electronically once the public deed is signed. If you are considering purchasing a coastal property you should contact the Coastal Demarcation office in your region to get a certificate to certify that the property is not affected by the Coastal Law.

Be extremely careful if the Land Registry record shows that the property you wish to buy is built on rural land. In normal circumstances the government reserves this type of land for agricultural use and you need to check with the municipal and regional authorities to ensure that full planning permission has been obtained for residential use.

Buying off-plan property inevitably involves higher risk than buying re-sale property. If you are considering buying off-plan in Spain there are a number of points to consider. Make sure you have a bank guarantee aval bancario to cover your stage payments. Developers of off-plan properties are legally obliged to secure all deposits with a bank guarantee. However, bear in mind that this obligation only comes into force once the developer has planning permission, so you should ask to see this before making any payments.

You can also check this at the Land Registry, because if the description of the future building is registered, the registrar will have seen evidence that the licence exists and work has begun following the approved design.

You should ensure that the bank guarantee is individual and not a collective guarantee covering the whole development, which does not give the same protection. You should also request proof that your payments are deposited in a special escrow account, which can only be used for the construction of the specified development. You can visit any Mercantile Registry office or use the Land Registry website.

The preeminent question should be whether you are buying primarily as an investment or as a lifestyle purchase intended to bring you a better life experience. This is not an article full of tax details and financial recommendations.

I am not an accountant, and you probably have a unique financial portfolio that most likely requires a specialist. Also, given the U. What I will share is the path that led me to Valencia in the hope that this might help you with your own decision… even though my path may convince you that Valencia and possibly all of Spain is not right for you.

Here is a list of the influencers that I used to determine if Spain was the best option for me. I have also included some important questions I considered during my search but which may also apply to a property search in any country.

I chose Valencia because I wanted a pedestrian friendly, walkable city that would allow me to live downtown without owning a vehicle. Ask yourself:. I spent most of my life in Nashville, Tennessee.

The metropolitan area of Valencia is estimated to be approximately 1. So my transition to Valencia was easier than if I had chosen a much larger city such as Barcelona population 4. I wanted a significant university presence. Valencia has a university with an estimated 50, students at its three main campuses. I wanted history. Valencia was founded in B. I wanted entertainment options—Orquesta de Valencia, multiple venues for opera, ballet, the Berklee College of Music campus, and more.

When I bought my apartment I was 64 years old. I concluded that income would be a good thing and appreciation potential less important. If you have celebrated your 50th birthday your time horizon might dictate a much different set of guidelines for a purchase. My original intention was to spend six months a year in Valencia and six months in another country, probably in North America.

That is still my long-term plan. Spain is ranked in the top eight best health care systems in the world. Valencia opened the largest hospital in Europe five years ago. A Spanish private health insurance policy for a person aged 65 or older is euros per month. Some countries offer expedited residency with a reasonable property purchase, a modest business investment, or a monetary deposit in a local bank.

Spain offers a Golden Visa with a purchase of , euros or more.

515,000
* €/m2
The Spanish property market
293 m2 | 3 bedrooms | 6 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Search hundreds of properties for sale and rent in Spain. Spanish Property Choice is a family Apartment for sale in Formentera de Segura, Alicante. €​42, Where would you like to live? Find your dream home. Buy Rent Holidays. Property. on laws and taxes for British nationals who want to buy or let property in Spain. If you are planning to buy an apartment which is part of a residential block.

However, in practice gaining restitution for such defects can be difficult and costly. Paying the costs and taxes associated with buying a home can be completed by the buyer or their agent. The buyer is also responsible for registering the property. Following the crash, Spanish banks were reformed with significant IMF involvement. This reduced the number of lenders in operation, and significantly increased the regulation and oversight of the industry.

As a result, many banks began to lend less and mortgage rates and terms became less favourable. Mortgage lenders will not complete on a mortgage agreement until you own a property. The buyer usually pays the fees. They vary from region to region. Many are negotiable — there are no fixed fees for lawyers or estate agents. Costs paid by the buyer include:. This is typically their only cost. Capital gains tax is paid on the profit of selling your home, i. You may be able to claim a reduction on the capital gains tax to account for inflation; or if you are purchasing another property in Spain; or if you are over 65 and have lived in the property as your main residence for more than three years.

Your residential status does not affect the application of capital gains tax either, as capital gains tax should be paid in Spain for property owned in Spain even if you are no longer a resident. Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados. They will have a registration number that you can ask for and then verify with the bar association. Naturally, registration does not guarantee honesty or competence, but it is a good minimum standard to insist on.

Many governments provide lists of lawyers and translators who speak both Spanish and another language. The Spanish government also provides a list of accredited translators page in Spanish, follow first link in article text for up-to-date PDF.

You may change your settings at any time. Your choices will not impact your visit. NOTE: These settings will only apply to the browser and device you are currently using. Search for:. Buying property in Spain.

Last update on May 21, The Spanish property market Spain suffered during the global financial crisis and ensuing property market crash. Should you rent or buy in Spain? Can foreigners buy property in Spain? Buy a property, get a visa Spain currently offers a golden visa program for property owners.

Buying a home in Spain: where to find real estate As it is easy for foreigners to buy property in Spain, there are websites and estate agents catering to almost every language and nationality.

Illegal properties For a long time, Spain has been popular with overseas buyers looking for holiday homes. They recommend, at minimum checking: The credentials of any lawyers or estate agents used; the land registry Registro de la Propriedad ; that appropriate planning permission has been obtained; that there are no outstanding debts attached to the property, such as a mortgage; that the property is as described and structurally sound either a surveyor or an architect can do this.

Buying off plan or a new-build home The worst property scams in Spain, as elsewhere, involve unfinished or unbuilt properties. At minimum you should: Check the company exists; check online at www. Ensure that the project is registered with the land registry.

Check that planning permission has been granted by enquiring at the local city hall. Enlist an independent party for any translations. Demand proof that any sums paid e. Debts transfer with property In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. Buying a Spanish property The process of buying a property in Spain usually runs as follows. Legal requirements The services of a notary are not legally necessary to complete the sale.

Funding purchase: deposits and mortgages Following the crash, Spanish banks were reformed with significant IMF involvement. Fees and charges The buyer usually pays the fees. Flat lay of business concept Capital gains tax Capital gains tax is paid on the profit of selling your home, i. Choosing a reliable lawyer Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados.

Finding a translator Many governments provide lists of lawyers and translators who speak both Spanish and another language. Related articles. July 1, A guide to Spanish mortgages. Housing Listings. The Foreign and Commonwealth Office FCO are unable to provide any guidance on individual property purchases apart from the information and links listed below. See our information on what consulates can and cannot do for British nationals. See the video on buying property in Spain. We strongly recommended that you choose an independent lawyer who specialises in Spanish land law urbanismo.

Independent means that they work on your behalf only and are not also looking after the interests of the agent or developer. The Spanish property conveyancing system is different to the UK system so you should ensure that those involved in the transaction are qualified and experienced in Spain.

Use extreme caution if an estate agent, promoter or lawyer urges you to cut corners to save money or time. The notary is a public servant who has a duty to provide you with free and impartial legal advice on all aspects of the contract before you sign. It is a good idea to seek advice from the notary early on. When a date is set for signing the contract, you have 3 days beforehand to visit the notary and ask any questions you may have about any aspect of the contract.

Find English-speaking notaries. If your lawyer is based in Spain, ask for their registration number and check that they are registered and practising with the local bar association Colegio de Abogados. You should also check that your lawyer has professional indemnity insurance and do not sign any papers or hand over any money until you have taken independent legal advice.

Although the British Embassy cannot recommend a lawyer, we do have lists of local English-speaking lawyers and qualified translators available on our website.

Only a Gestor Administrativo with the GA kite mark is professionally qualified and certified to process paperwork directly with the Spanish administration. More information can be found on their services here. If you are involved in a property dispute and do not have enough money to pay the costs of a court case, you can apply for legal aid. More information is available on the European E-Justice Portal.

If you are resident in Spain, you should apply to the local bar association. You may need to find a new lawyer with specific expertise for example, specialist civil lawyers for compensation claims against private parties such as agents, developers or banks, and specialist public body litigants contencioso administrativo for claims against local, regional or state authorities.

If you do not have a good understanding of Spanish, make sure that you get all contracts and documents translated by an independent translator. You can find a list of accredited translators and interpreters in Spain on the Spanish Ministry for Foreign Affairs website.

Do your homework: you should analyse and compare different products and services offered by lending companies. If you have any doubts about the terms and conditions, ask the lender to explain. You should also check with the Bank of Spain that the lender is authorised to operate in Spain. There are a range of mortgages on offer and you should pay special attention to the interest rate and repayment period, fees for setting up the mortgage as well as early repayment and cancellation fees.

If you cannot keep up the mortgage repayments, the Spanish bank could repossess your property in Spain. If the value of the property is less than the total debt outstanding you are in negative equity , the bank may pursue your UK assets to recover the mortgage shortfall using a European Enforcement Order. Make sure you fully understand the mortgage agreement you sign.

If you have any doubts check with the branch during the 10 working-day period after the binding offer has been provided. If for any reason you cannot keep up the mortgage repayments, you should speak to your bank immediately before defaulting on repayments to discuss the options available. Further information on mortgages in Spain is available from the Spanish Mortgage Association.

The Spanish tax authority, the Agencia Tributaria provides some information on its website in English. See the Living in Spain guide for brief information on taxation. See property fraud guidance. If you believe your lawyer has been negligent and has not met their obligations, you should first complain to the provincial bar association. If their response is unsatisfactory, you can take your complaint to the regional and then national bar associations.

If you have a complaint about the way a court has handled your case, contact the General Council of the Judiciary. If you have a complaint against a notary or gestor administrativo, contact the professional council of which they are a member.

See residency requirements in Spain. You should check that planning permissions are in order and the property is a legal build. This is particularly important when buying off-plan or direct from a developer. The town hall can tell you whether the building has all licences and permissions and what type of land it is.

If the property is built on rural land or land that is not classified for construction, you should ask the regional government to confirm construction is authorised. If you are buying an off-plan property, confirm that the property has been certified as finished by a registered architect and registered as a new build in the property register.

In the case of a private build the previous owner built their own house and decided to sell before 10 years had lapsed you will need to request these details separately. You should check the latest town plan to see whether or not the plot you wish to buy has any building restrictions, is in a green zone or includes a public pathway or similar.

You can do this at to the town planning urbanismo department of the local town hall. You should have the property surveyed. This is not obligatory, but it is wise to get a chartered surveyor to check the property. You should know the cadastral value of the property and how much purchase tax will be due. On completion, the public deed should contain an accurate description of the property.

You should register the property in your name with the Land Registry as soon as possible to ensure full protection of your rights. The notary can even send advance notification to the Land Registry electronically once the public deed is signed. If you are considering purchasing a coastal property you should contact the Coastal Demarcation office in your region to get a certificate to certify that the property is not affected by the Coastal Law.

Be extremely careful if the Land Registry record shows that the property you wish to buy is built on rural land. In normal circumstances the government reserves this type of land for agricultural use and you need to check with the municipal and regional authorities to ensure that full planning permission has been obtained for residential use.

Buying off-plan property inevitably involves higher risk than buying re-sale property. If you are considering buying off-plan in Spain there are a number of points to consider. Make sure you have a bank guarantee aval bancario to cover your stage payments.

Developers of off-plan properties are legally obliged to secure all deposits with a bank guarantee. However, bear in mind that this obligation only comes into force once the developer has planning permission, so you should ask to see this before making any payments.

You can also check this at the Land Registry, because if the description of the future building is registered, the registrar will have seen evidence that the licence exists and work has begun following the approved design. You should ensure that the bank guarantee is individual and not a collective guarantee covering the whole development, which does not give the same protection. You should also request proof that your payments are deposited in a special escrow account, which can only be used for the construction of the specified development.

You can visit any Mercantile Registry office or use the Land Registry website. Make sure you obtain a copy of the cadastral certificate giving the exact boundaries and square metres of your land. Ensure the developer has insurance covering damage caused by structural defects to the building. This insurance should be included in the property manual libro del edificio that the developer gives you.

You should also get a planning certificate for the plot you wish to buy from the town planning Urbanismo department of the town hall. This will include information such as whether the plot has any building restrictions, is in a green zone, includes a public footpath or if there are any current plans to build a motorway etc. Once construction has finished, and before you sign the title deed, ask for proof from the seller that the construction has been finished in accordance with the description given in the plans.

This is issued as a certificate certificado final de obra. You can also check this at the Land Registry. You will need this document to connect to electricity and water companies. Developers cannot force you to complete without this licence.

Consider asking a chartered surveyor to check the property. This is not obligatory but it is wise to obtain a professional opinion on the property before you complete. Members of the RICS are qualified and experienced professionals offering independent and impartial advice.

The Spanish College of Architects in each province also offers a list of independent specialist surveyors. If the developer does not build your property by the deadline in the contract, or services and utilities are not completed and connected to standard, or the habitation certificate cannot be issued, you are legally entitled to:.

If you want to cancel the contract, you should get independent legal advice. Once you have consulted a lawyer, the first step is to write to the developer to explain that due to non-compliance with the contract, you want to cancel the contract and request that the deposits paid so far are returned, as well as the accrued interest.

You should include any relevant documents for example. You should write to the developer using Burofax, so you can prove that you have sent the documents and that the developer received them.

If the developer does not respond to you within the specified timeframe, you should contact the claims department of the bank or savings bank responsible for the guarantee to request a refund of the payments made. Should the bank not comply, the only remaining course of redress is to instruct a lawyer to take a civil case against the bank. If you believe you have been a victim of fraud and you have neither a bank guarantee nor an insurance policy from the developer, you should seek independent legal advice regarding taking criminal legal action through the courts and register a statement with the police.

From the 1 June , all homes for sale or to let in Spain are required by law to have an energy efficiency certificate. If you are offering your property for rent after this date, you will need to obtain an energy certificate first.

815,000
* €/m2
199 m2 | 8 bedrooms | 3 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Top quality fixtures and fittings the apartments are everything one can imagine and more. International Spain. Property for Sale in Spain. List Map. Buy; Rent. Top cities in Spain. Madrid · Barcelona · Marbella · Sevilla · Zaragoza · Málaga · Murcia. 3 bedroom flat. needs refurbishment. Spain. Comunidad Valenciana. CANALS. Apartment.

They recommend, at minimum checking:. Most of this information can be provided by the land registry and accessed by making a request by email, phone, fax or in person. You can find the appropriate land registry office by vising the national website: www. While malicious intent is rare, caution is advisable when buying a property which does not yet exist.

At minimum you should:. As a non-resident, you may also buy land and have a property built yourself. In this case, good legal advice is even more important as you will need to ensure that contracts with builders are appropriate and watertight. In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. Debts may include:.

The process of buying a property in Spain usually runs as follows. The buyer then arranges any mortgage they require, although they should have already discussed their needs with the mortgage provider.

The contract of sale escritura de compravento is usually signed in front of a notary, at which point the full sale price, taxes and other costs become due. The services of a notary are not legally necessary to complete the sale.

But it is advisable and required by many mortgages. The seller is responsible for hidden defects in the property, even if they are not aware of them. However, in practice gaining restitution for such defects can be difficult and costly. Paying the costs and taxes associated with buying a home can be completed by the buyer or their agent. The buyer is also responsible for registering the property.

Following the crash, Spanish banks were reformed with significant IMF involvement. This reduced the number of lenders in operation, and significantly increased the regulation and oversight of the industry. As a result, many banks began to lend less and mortgage rates and terms became less favourable.

Mortgage lenders will not complete on a mortgage agreement until you own a property. The buyer usually pays the fees. They vary from region to region. Many are negotiable — there are no fixed fees for lawyers or estate agents. Costs paid by the buyer include:. This is typically their only cost. Capital gains tax is paid on the profit of selling your home, i. You may be able to claim a reduction on the capital gains tax to account for inflation; or if you are purchasing another property in Spain; or if you are over 65 and have lived in the property as your main residence for more than three years.

Your residential status does not affect the application of capital gains tax either, as capital gains tax should be paid in Spain for property owned in Spain even if you are no longer a resident.

Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados. They will have a registration number that you can ask for and then verify with the bar association. Naturally, registration does not guarantee honesty or competence, but it is a good minimum standard to insist on.

Valencia was founded in B. I wanted entertainment options—Orquesta de Valencia, multiple venues for opera, ballet, the Berklee College of Music campus, and more. When I bought my apartment I was 64 years old. I concluded that income would be a good thing and appreciation potential less important.

If you have celebrated your 50th birthday your time horizon might dictate a much different set of guidelines for a purchase. My original intention was to spend six months a year in Valencia and six months in another country, probably in North America. That is still my long-term plan. Spain is ranked in the top eight best health care systems in the world.

Valencia opened the largest hospital in Europe five years ago. A Spanish private health insurance policy for a person aged 65 or older is euros per month. Some countries offer expedited residency with a reasonable property purchase, a modest business investment, or a monetary deposit in a local bank. Spain offers a Golden Visa with a purchase of , euros or more. This minimum requirement limits the number of applicants to a small universe of wealthy investors. Many countries have a significantly lower tax rate for foreign investors.

Portugal, under the Non-Habitual Resident program, grants significant reductions during the first 10 years after an individual declares Portugal to be his or her tax residency. Spain offers no such abatement program. The good news? As of January , the foreign currency exchange rate of the U. This does not include the modest property appreciation I have realized. Apartment purchases in Valencia today, converting from U. These management costs can be reduced with property rentals longer than 30 days, but long-term rentals are not as lucrative as short-term rentals.

Now a writer, Mike currently aspires to find a rural cottage in a country yet to be determined that complements his Spanish apartment in the central historic district of Valencia.

The Overseas Property Alert features a weekly dispatch from our far-flung network of editors, experts, and friends detailing the best opportunities today for purchasing, owning, and managing global real estate.

Thursday, May 28, January 23, Share on Facebook Share on Twitter. Let me explain… Recently I was looking at properties with an American couple of retirement age, who were in Valencia for the first time. Apartment Area: 95 m 2 3 Bedrooms. Lovely apartment in the heart of a Spanish town.

Apartment Area: 90 m 2. Spanish Town House. Cervera Del Maestre. House Area: m 2. Plot Ideal For Building. Cevera Del Maestre. Superb Rustic Plot. Rustic Plot Ideal For Building. Rustic Terraced Plot. Rustic Plot. Large cave house to reform FCN Spain Andalucia. Cave house for reform only 12K FCN Others Area: 90 m 2. Semi detached cortijo FOR Tijola townhouse. House 3 Bedrooms. Lucar village property FLC House 2 Bedrooms.

Rural property FFN

861,000
* €/m2
224 m2 | 2 bedrooms | 8 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
International Spain. Property for Sale in Spain. List Map. Buy; Rent. Top cities in Spain. Madrid · Barcelona · Marbella · Sevilla · Zaragoza · Málaga · Murcia. Spanish properties for sale found on thinkSPAIN, the leading Spain portal with over Apartment for sale in Playa del Cura, Gran Canaria. 6 Reasons You Should Reconsider Buying Property In Spain. In June , I When I bought my apartment I was 64 years old. I concluded.

Valencia opened the largest hospital in Europe five years ago. A Spanish private health insurance policy for a person aged 65 or older is euros per month.

Some countries offer expedited residency with a reasonable property purchase, a modest business investment, or a monetary deposit in a local bank. Spain offers a Golden Visa with a purchase of , euros or more. This minimum requirement limits the number of applicants to a small universe of wealthy investors. Many countries have a significantly lower tax rate for foreign investors.

Portugal, under the Non-Habitual Resident program, grants significant reductions during the first 10 years after an individual declares Portugal to be his or her tax residency. Spain offers no such abatement program. The good news? As of January , the foreign currency exchange rate of the U. This does not include the modest property appreciation I have realized. Apartment purchases in Valencia today, converting from U.

These management costs can be reduced with property rentals longer than 30 days, but long-term rentals are not as lucrative as short-term rentals. Now a writer, Mike currently aspires to find a rural cottage in a country yet to be determined that complements his Spanish apartment in the central historic district of Valencia. The Overseas Property Alert features a weekly dispatch from our far-flung network of editors, experts, and friends detailing the best opportunities today for purchasing, owning, and managing global real estate.

Thursday, May 28, January 23, Share on Facebook Share on Twitter. Let me explain… Recently I was looking at properties with an American couple of retirement age, who were in Valencia for the first time. First Things First I share this story because when buying a property overseas , you must be clear about your objectives. Initial Considerations 1. Urban Or Rural?

Ask yourself: Is owning and driving a car in a foreign country too daunting? Does an isolated location concern me because of potential security issues? Large Or Small? Ask yourself: Do I prefer a rural location; and if so, how important is my proximity to a city versus the privacy I gain from a more remote area?

Apartment Or House? Naturally, registration does not guarantee honesty or competence, but it is a good minimum standard to insist on. Many governments provide lists of lawyers and translators who speak both Spanish and another language.

The Spanish government also provides a list of accredited translators page in Spanish, follow first link in article text for up-to-date PDF. You may change your settings at any time. Your choices will not impact your visit. NOTE: These settings will only apply to the browser and device you are currently using. Search for:. Buying property in Spain.

Last update on May 21, The Spanish property market Spain suffered during the global financial crisis and ensuing property market crash. Should you rent or buy in Spain? Can foreigners buy property in Spain?

Buy a property, get a visa Spain currently offers a golden visa program for property owners. Buying a home in Spain: where to find real estate As it is easy for foreigners to buy property in Spain, there are websites and estate agents catering to almost every language and nationality. Illegal properties For a long time, Spain has been popular with overseas buyers looking for holiday homes. They recommend, at minimum checking: The credentials of any lawyers or estate agents used; the land registry Registro de la Propriedad ; that appropriate planning permission has been obtained; that there are no outstanding debts attached to the property, such as a mortgage; that the property is as described and structurally sound either a surveyor or an architect can do this.

Buying off plan or a new-build home The worst property scams in Spain, as elsewhere, involve unfinished or unbuilt properties. At minimum you should: Check the company exists; check online at www. Ensure that the project is registered with the land registry. Check that planning permission has been granted by enquiring at the local city hall. Enlist an independent party for any translations. Demand proof that any sums paid e.

Debts transfer with property In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. Buying a Spanish property The process of buying a property in Spain usually runs as follows. Legal requirements The services of a notary are not legally necessary to complete the sale. Funding purchase: deposits and mortgages Following the crash, Spanish banks were reformed with significant IMF involvement.

Fees and charges The buyer usually pays the fees. Flat lay of business concept Capital gains tax Capital gains tax is paid on the profit of selling your home, i. Choosing a reliable lawyer Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados. Finding a translator Many governments provide lists of lawyers and translators who speak both Spanish and another language. Related articles. July 1, A guide to Spanish mortgages.

Housing Listings. In the case of a private build the previous owner built their own house and decided to sell before 10 years had lapsed you will need to request these details separately.

You should check the latest town plan to see whether or not the plot you wish to buy has any building restrictions, is in a green zone or includes a public pathway or similar. You can do this at to the town planning urbanismo department of the local town hall. You should have the property surveyed. This is not obligatory, but it is wise to get a chartered surveyor to check the property. You should know the cadastral value of the property and how much purchase tax will be due.

On completion, the public deed should contain an accurate description of the property. You should register the property in your name with the Land Registry as soon as possible to ensure full protection of your rights. The notary can even send advance notification to the Land Registry electronically once the public deed is signed.

If you are considering purchasing a coastal property you should contact the Coastal Demarcation office in your region to get a certificate to certify that the property is not affected by the Coastal Law.

Be extremely careful if the Land Registry record shows that the property you wish to buy is built on rural land. In normal circumstances the government reserves this type of land for agricultural use and you need to check with the municipal and regional authorities to ensure that full planning permission has been obtained for residential use.

Buying off-plan property inevitably involves higher risk than buying re-sale property. If you are considering buying off-plan in Spain there are a number of points to consider.

Make sure you have a bank guarantee aval bancario to cover your stage payments. Developers of off-plan properties are legally obliged to secure all deposits with a bank guarantee.

However, bear in mind that this obligation only comes into force once the developer has planning permission, so you should ask to see this before making any payments. You can also check this at the Land Registry, because if the description of the future building is registered, the registrar will have seen evidence that the licence exists and work has begun following the approved design. You should ensure that the bank guarantee is individual and not a collective guarantee covering the whole development, which does not give the same protection.

You should also request proof that your payments are deposited in a special escrow account, which can only be used for the construction of the specified development. You can visit any Mercantile Registry office or use the Land Registry website. Make sure you obtain a copy of the cadastral certificate giving the exact boundaries and square metres of your land. Ensure the developer has insurance covering damage caused by structural defects to the building. This insurance should be included in the property manual libro del edificio that the developer gives you.

You should also get a planning certificate for the plot you wish to buy from the town planning Urbanismo department of the town hall. This will include information such as whether the plot has any building restrictions, is in a green zone, includes a public footpath or if there are any current plans to build a motorway etc. Once construction has finished, and before you sign the title deed, ask for proof from the seller that the construction has been finished in accordance with the description given in the plans.

This is issued as a certificate certificado final de obra. You can also check this at the Land Registry. You will need this document to connect to electricity and water companies. Developers cannot force you to complete without this licence. Consider asking a chartered surveyor to check the property.

This is not obligatory but it is wise to obtain a professional opinion on the property before you complete. Members of the RICS are qualified and experienced professionals offering independent and impartial advice. The Spanish College of Architects in each province also offers a list of independent specialist surveyors. If the developer does not build your property by the deadline in the contract, or services and utilities are not completed and connected to standard, or the habitation certificate cannot be issued, you are legally entitled to:.

If you want to cancel the contract, you should get independent legal advice. Once you have consulted a lawyer, the first step is to write to the developer to explain that due to non-compliance with the contract, you want to cancel the contract and request that the deposits paid so far are returned, as well as the accrued interest. You should include any relevant documents for example. You should write to the developer using Burofax, so you can prove that you have sent the documents and that the developer received them.

If the developer does not respond to you within the specified timeframe, you should contact the claims department of the bank or savings bank responsible for the guarantee to request a refund of the payments made. Should the bank not comply, the only remaining course of redress is to instruct a lawyer to take a civil case against the bank. If you believe you have been a victim of fraud and you have neither a bank guarantee nor an insurance policy from the developer, you should seek independent legal advice regarding taking criminal legal action through the courts and register a statement with the police.

From the 1 June , all homes for sale or to let in Spain are required by law to have an energy efficiency certificate. If you are offering your property for rent after this date, you will need to obtain an energy certificate first. If you want to let your property to tourists on a short-term basis, you must ensure that you are doing so in accordance with Spanish law. The regulations on letting tourist apartments apartamentos turisticos and holiday homes viviendas vacacionales to tourists will vary depending on the region where the property is located.

If you are planning on making a return by renting out your property on a short-term basis,seek independent legal advice and check the local laws at the town hall or the tourist department of the regional government before you buy. Be aware that the marketing of private residential property to tourists is strictly regulated in many regions of Spain.

Owners who are caught illegally advertising or letting out their properties without complying with local legislation can be liable for significant fines. If you are planning to buy an apartment which is part of a residential block, you should also check whether there are any rules set by the committee of owners that prohibit or restrict short-term letting.

You may want to consider hiring a Spanish letting agent to assist with finding tenants, drawing up rental contracts and managing the property on your behalf. In some regions, it is obligatory to use a specialist tourist apartment management company for short-term rentals to tourists.

Owners who let their properties on a long-term basis are free to do so within the terms set out by the national rental law. However, it is worth seeking professional advice to make sure that you are complying with Spanish legislation and that you are using the correct rental contract. In Spain, there are different types of contracts depending on how long the property is due to be let. You can get copies of these contracts from tobacconists.

You must ensure that you declare your rental income to the Spanish tax authorities Agencia Tributaria whether you are resident in Spain or not. Taxation is a complex issue, and it is advisable to seek the advice of an accountant or professional tax adviser with comprehensive and up to date knowledge of both the UK and Spanish tax regulations.

Equity release schemes are schemes which are designed to allow homeowners to release equity from the value of their property as income, a lump sum or a mixture of both.

441,000
* €/m2
171 m2 | 7 bedrooms | 7 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
6 Reasons You Should Reconsider Buying Property In Spain. In June , I When I bought my apartment I was 64 years old. I concluded. on laws and taxes for British nationals who want to buy or let property in Spain. If you are planning to buy an apartment which is part of a residential block. Find international property to buy in Spain with Zoopla. Check our range of Spanish properties and see houses, villas and apartments for sale on a map.

Bus stop. Shopping area. Public square. Leisure centre. Touristic area. Ski slope. Natural park. Sub type Loading Present situation non-relevant Occupied Empty Rented In construction. Habitable non-relevant Habitable Not habitable. Show more specific filter criteria. Hide specific filter criteria. How much. Spain Comunidad Valenciana. Apartment Area: 83 m 2 3 Bedrooms. Beautiful apartment in lovely Spanish town. Spain Murcia. Apartment Area: 95 m 2 3 Bedrooms. Lovely apartment in the heart of a Spanish town.

Apartment Area: 90 m 2. Spanish Town House. Cervera Del Maestre. House Area: m 2. Plot Ideal For Building. Cevera Del Maestre. Superb Rustic Plot. Rustic Plot Ideal For Building. Rustic Terraced Plot. Rustic Plot. Large cave house to reform FCN Spain Andalucia.

Cave house for reform only 12K FCN Others Area: 90 m 2. Semi detached cortijo FOR In June , I bought a home in Valencia, Spain. You are probably asking yourself why someone who owns property in Spain would be writing this article. Let me explain…. Recently I was looking at properties with an American couple of retirement age, who were in Valencia for the first time.

Our initial communications had led me to believe that they were interested in a property in the central historic district that would serve as their home for part of the year and provide some rental income when they were not in residence. I had thought that the primary purpose of their purchase was to provide an alternative life experience. It was now clear that return on investment was paramount.

I share this story because when buying a property overseas , you must be clear about your objectives. The preeminent question should be whether you are buying primarily as an investment or as a lifestyle purchase intended to bring you a better life experience.

This is not an article full of tax details and financial recommendations. I am not an accountant, and you probably have a unique financial portfolio that most likely requires a specialist. Also, given the U. What I will share is the path that led me to Valencia in the hope that this might help you with your own decision… even though my path may convince you that Valencia and possibly all of Spain is not right for you. Here is a list of the influencers that I used to determine if Spain was the best option for me.

I have also included some important questions I considered during my search but which may also apply to a property search in any country.

I chose Valencia because I wanted a pedestrian friendly, walkable city that would allow me to live downtown without owning a vehicle.

Ask yourself:. I spent most of my life in Nashville, Tennessee. The metropolitan area of Valencia is estimated to be approximately 1. So my transition to Valencia was easier than if I had chosen a much larger city such as Barcelona population 4.

I wanted a significant university presence. Valencia has a university with an estimated 50, students at its three main campuses. I wanted history. Valencia was founded in B. I wanted entertainment options—Orquesta de Valencia, multiple venues for opera, ballet, the Berklee College of Music campus, and more. When I bought my apartment I was 64 years old. I concluded that income would be a good thing and appreciation potential less important.

If you have celebrated your 50th birthday your time horizon might dictate a much different set of guidelines for a purchase. My original intention was to spend six months a year in Valencia and six months in another country, probably in North America.

That is still my long-term plan. Spain is ranked in the top eight best health care systems in the world. Valencia opened the largest hospital in Europe five years ago. A Spanish private health insurance policy for a person aged 65 or older is euros per month. Some countries offer expedited residency with a reasonable property purchase, a modest business investment, or a monetary deposit in a local bank. Spain offers a Golden Visa with a purchase of , euros or more.

This minimum requirement limits the number of applicants to a small universe of wealthy investors. Many countries have a significantly lower tax rate for foreign investors. Portugal, under the Non-Habitual Resident program, grants significant reductions during the first 10 years after an individual declares Portugal to be his or her tax residency.

Spain offers no such abatement program. The good news? As of January , the foreign currency exchange rate of the U.

499,000
* €/m2
Should you rent or buy in Spain?
267 m2 | 2 bedrooms | 6 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Property for sale in Spain. My RM. Delete. Property Type. Any. Any, Houses, Flats / Apartments, Bungalows, Land, Commercial Property, Other. Currency. Where would you like to live? Find your dream home. Buy Rent Holidays. Property. Appartement, villas terrain à vendre. Acheter propriétés à Begur-Costa Brava.

Fantastic duplex penthouse at a stone's throw from the beach. Luxurious frontline penthouse in Empuriabrava!

Sunny and renovated apartment in Downtown. Apartment with indoors swimming pool. Elegant property in La Petxina. Bright house all exterior in El Mercat. Refurbished flat with clear views in Castellana. More results. Contact us. Imprint Press. Privacy policy. GG Magazine. Business Divisions.

Private Office. Sell house. Let house. Sell flat. Let flat. Our guide to buying property in Spain explains how to make those dreams come true, from the legal requirements to the pitfalls to avoid.

The Spanish property market has many quirks, and it pays to do your research before buying a home in Spain. Knowing what to expect when buying property in Spain can help avoid any pitfalls of setting up your life abroad.

Factors to be aware of when buying Spanish property include property scams, high capital gains tax, and fluctuations in the Spanish property market. Spain suffered during the global financial crisis and ensuing property market crash. Rental opportunities can be limited in some parts of Spain.

This is partially due to the popularity of short-term holiday lets. Now, some authorities in Spain are already seeking to curb this trend, with Madrid set to bring in new rules in to regulate the holiday let sector. In fact, Spain encourages investment by foreigners, both resident and non-resident. You will require a financial number which can acquire by visiting a police station with your passport.

This typically happens on the day for Spanish or EU citizens but may take a few weeks for others. This is not a work permit, but it will allow you to live in the country. As it is easy for foreigners to buy property in Spain, there are websites and estate agents catering to almost every language and nationality. Many British real estate websites also list Spanish properties, with some online portals listing thousands of options.

However, these mostly focus on holiday homes, so you may prefer to use a Spanish site, such as the ones listed below. Estate agents provide a wealth of information about the region, are bilingual, and often deal with overseas buyers.

However, regulation is relatively low and unscrupulous estate agents do exist, so be wary of anyone who asks for payments upfront or suggests cutting corners. Always remember that you can choose your own notary, mortgage provider and so forth — you do not need to use a service suggested by the estate agent. On occasion, the large numbers of inexperienced foreign buyers have provided an opportunity for unscrupulous developers and estate agents to sell properties that are not legitimate.

In some cases, planning permission has not been acquired before building, and properties are eventually torn down by the local government. In others, the quality of the property has not been up to scratch or as indicated, resulting in costly repairs.

The British Foreign Office has issued notices warning expat buyers to be cautious and not take unnecessary risks. They recommend, at minimum checking:.

Most of this information can be provided by the land registry and accessed by making a request by email, phone, fax or in person. You can find the appropriate land registry office by vising the national website: www. While malicious intent is rare, caution is advisable when buying a property which does not yet exist. At minimum you should:. As a non-resident, you may also buy land and have a property built yourself.

In this case, good legal advice is even more important as you will need to ensure that contracts with builders are appropriate and watertight. In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. Debts may include:. The process of buying a property in Spain usually runs as follows. The buyer then arranges any mortgage they require, although they should have already discussed their needs with the mortgage provider.

The contract of sale escritura de compravento is usually signed in front of a notary, at which point the full sale price, taxes and other costs become due. The services of a notary are not legally necessary to complete the sale.

But it is advisable and required by many mortgages. The seller is responsible for hidden defects in the property, even if they are not aware of them. However, in practice gaining restitution for such defects can be difficult and costly. Paying the costs and taxes associated with buying a home can be completed by the buyer or their agent. The buyer is also responsible for registering the property. Following the crash, Spanish banks were reformed with significant IMF involvement. This reduced the number of lenders in operation, and significantly increased the regulation and oversight of the industry.

As a result, many banks began to lend less and mortgage rates and terms became less favourable. Mortgage lenders will not complete on a mortgage agreement until you own a property. The buyer usually pays the fees. They vary from region to region. Many are negotiable — there are no fixed fees for lawyers or estate agents. Costs paid by the buyer include:. This is typically their only cost. Capital gains tax is paid on the profit of selling your home, i.

260,000
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256 m2 | 9 bedrooms | 7 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Search for real estate and find the latest listings of Spain Property for sale. Apartment. 3; 2; m2. Escaldes-Engordany, Andorra, Address available on​. Spanish Costas. The Spanish coasts are one of the most popular destinations to buy property in Spain. You can find houses on the beach, apartments with a sea​. Property for sale in Spain. My RM. Delete. Property Type. Any. Any, Houses, Flats / Apartments, Bungalows, Land, Commercial Property, Other. Currency.

Apartment with pool in Plaza Europa. Exclusive flat with views of the Retiro Park. Modern apartment in small community. Bright apartment on the Passeig de Manresa. Modern apartment in walking distance to the port. Modern apartment in the heart of Port Andratx. Fantastic duplex penthouse at a stone's throw from the beach. Luxurious frontline penthouse in Empuriabrava! Sunny and renovated apartment in Downtown. Apartment with indoors swimming pool.

Elegant property in La Petxina. Bright house all exterior in El Mercat. Refurbished flat with clear views in Castellana. More results.

Contact us. Imprint Press. Privacy policy. GG Magazine. Use extreme caution if an estate agent, promoter or lawyer urges you to cut corners to save money or time. The notary is a public servant who has a duty to provide you with free and impartial legal advice on all aspects of the contract before you sign.

It is a good idea to seek advice from the notary early on. When a date is set for signing the contract, you have 3 days beforehand to visit the notary and ask any questions you may have about any aspect of the contract.

Find English-speaking notaries. If your lawyer is based in Spain, ask for their registration number and check that they are registered and practising with the local bar association Colegio de Abogados.

You should also check that your lawyer has professional indemnity insurance and do not sign any papers or hand over any money until you have taken independent legal advice. Although the British Embassy cannot recommend a lawyer, we do have lists of local English-speaking lawyers and qualified translators available on our website. Only a Gestor Administrativo with the GA kite mark is professionally qualified and certified to process paperwork directly with the Spanish administration.

More information can be found on their services here. If you are involved in a property dispute and do not have enough money to pay the costs of a court case, you can apply for legal aid. More information is available on the European E-Justice Portal. If you are resident in Spain, you should apply to the local bar association. You may need to find a new lawyer with specific expertise for example, specialist civil lawyers for compensation claims against private parties such as agents, developers or banks, and specialist public body litigants contencioso administrativo for claims against local, regional or state authorities.

If you do not have a good understanding of Spanish, make sure that you get all contracts and documents translated by an independent translator. You can find a list of accredited translators and interpreters in Spain on the Spanish Ministry for Foreign Affairs website.

Do your homework: you should analyse and compare different products and services offered by lending companies. If you have any doubts about the terms and conditions, ask the lender to explain.

You should also check with the Bank of Spain that the lender is authorised to operate in Spain. There are a range of mortgages on offer and you should pay special attention to the interest rate and repayment period, fees for setting up the mortgage as well as early repayment and cancellation fees.

If you cannot keep up the mortgage repayments, the Spanish bank could repossess your property in Spain. If the value of the property is less than the total debt outstanding you are in negative equity , the bank may pursue your UK assets to recover the mortgage shortfall using a European Enforcement Order.

Make sure you fully understand the mortgage agreement you sign. If you have any doubts check with the branch during the 10 working-day period after the binding offer has been provided. If for any reason you cannot keep up the mortgage repayments, you should speak to your bank immediately before defaulting on repayments to discuss the options available. Further information on mortgages in Spain is available from the Spanish Mortgage Association. The Spanish tax authority, the Agencia Tributaria provides some information on its website in English.

See the Living in Spain guide for brief information on taxation. See property fraud guidance. If you believe your lawyer has been negligent and has not met their obligations, you should first complain to the provincial bar association. If their response is unsatisfactory, you can take your complaint to the regional and then national bar associations. If you have a complaint about the way a court has handled your case, contact the General Council of the Judiciary.

If you have a complaint against a notary or gestor administrativo, contact the professional council of which they are a member. See residency requirements in Spain. You should check that planning permissions are in order and the property is a legal build. This is particularly important when buying off-plan or direct from a developer. The town hall can tell you whether the building has all licences and permissions and what type of land it is. If the property is built on rural land or land that is not classified for construction, you should ask the regional government to confirm construction is authorised.

If you are buying an off-plan property, confirm that the property has been certified as finished by a registered architect and registered as a new build in the property register.

In the case of a private build the previous owner built their own house and decided to sell before 10 years had lapsed you will need to request these details separately.

You should check the latest town plan to see whether or not the plot you wish to buy has any building restrictions, is in a green zone or includes a public pathway or similar. You can do this at to the town planning urbanismo department of the local town hall. You should have the property surveyed.

This is not obligatory, but it is wise to get a chartered surveyor to check the property. You should know the cadastral value of the property and how much purchase tax will be due. On completion, the public deed should contain an accurate description of the property.

You should register the property in your name with the Land Registry as soon as possible to ensure full protection of your rights. The notary can even send advance notification to the Land Registry electronically once the public deed is signed. If you are considering purchasing a coastal property you should contact the Coastal Demarcation office in your region to get a certificate to certify that the property is not affected by the Coastal Law. Be extremely careful if the Land Registry record shows that the property you wish to buy is built on rural land.

In normal circumstances the government reserves this type of land for agricultural use and you need to check with the municipal and regional authorities to ensure that full planning permission has been obtained for residential use.

Buying off-plan property inevitably involves higher risk than buying re-sale property. If you are considering buying off-plan in Spain there are a number of points to consider. Make sure you have a bank guarantee aval bancario to cover your stage payments.

Developers of off-plan properties are legally obliged to secure all deposits with a bank guarantee. However, bear in mind that this obligation only comes into force once the developer has planning permission, so you should ask to see this before making any payments.

You can also check this at the Land Registry, because if the description of the future building is registered, the registrar will have seen evidence that the licence exists and work has begun following the approved design. You should ensure that the bank guarantee is individual and not a collective guarantee covering the whole development, which does not give the same protection.

You should also request proof that your payments are deposited in a special escrow account, which can only be used for the construction of the specified development. You can visit any Mercantile Registry office or use the Land Registry website. Make sure you obtain a copy of the cadastral certificate giving the exact boundaries and square metres of your land. Ensure the developer has insurance covering damage caused by structural defects to the building.

This insurance should be included in the property manual libro del edificio that the developer gives you. You should also get a planning certificate for the plot you wish to buy from the town planning Urbanismo department of the town hall.

This will include information such as whether the plot has any building restrictions, is in a green zone, includes a public footpath or if there are any current plans to build a motorway etc. Once construction has finished, and before you sign the title deed, ask for proof from the seller that the construction has been finished in accordance with the description given in the plans. This is issued as a certificate certificado final de obra. You can also check this at the Land Registry.

You will need this document to connect to electricity and water companies. Developers cannot force you to complete without this licence. Consider asking a chartered surveyor to check the property. This is not obligatory but it is wise to obtain a professional opinion on the property before you complete.

Members of the RICS are qualified and experienced professionals offering independent and impartial advice. The Spanish College of Architects in each province also offers a list of independent specialist surveyors.

If the developer does not build your property by the deadline in the contract, or services and utilities are not completed and connected to standard, or the habitation certificate cannot be issued, you are legally entitled to:. If you want to cancel the contract, you should get independent legal advice. Once you have consulted a lawyer, the first step is to write to the developer to explain that due to non-compliance with the contract, you want to cancel the contract and request that the deposits paid so far are returned, as well as the accrued interest.

You should include any relevant documents for example. You should write to the developer using Burofax, so you can prove that you have sent the documents and that the developer received them. If the developer does not respond to you within the specified timeframe, you should contact the claims department of the bank or savings bank responsible for the guarantee to request a refund of the payments made.

Should the bank not comply, the only remaining course of redress is to instruct a lawyer to take a civil case against the bank. If you believe you have been a victim of fraud and you have neither a bank guarantee nor an insurance policy from the developer, you should seek independent legal advice regarding taking criminal legal action through the courts and register a statement with the police.

From the 1 June , all homes for sale or to let in Spain are required by law to have an energy efficiency certificate. If you are offering your property for rent after this date, you will need to obtain an energy certificate first. If you want to let your property to tourists on a short-term basis, you must ensure that you are doing so in accordance with Spanish law. The regulations on letting tourist apartments apartamentos turisticos and holiday homes viviendas vacacionales to tourists will vary depending on the region where the property is located.

If you are planning on making a return by renting out your property on a short-term basis,seek independent legal advice and check the local laws at the town hall or the tourist department of the regional government before you buy.

Be aware that the marketing of private residential property to tourists is strictly regulated in many regions of Spain. Owners who are caught illegally advertising or letting out their properties without complying with local legislation can be liable for significant fines.

If you are planning to buy an apartment which is part of a residential block, you should also check whether there are any rules set by the committee of owners that prohibit or restrict short-term letting.

406,000
* €/m2
142 m2 | 10 bedrooms | 6 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Listings (out of ) for Spain property property for sale. Find Spain overseas property for sale including houses property for sale in Spain, apartments. Search hundreds of properties for sale and rent in Spain. Spanish Property Choice is a family Apartment for sale in Formentera de Segura, Alicante. €​42, Are you looking for an apartment to buy in Spain? A selected list of current properties from our portfolio for “buy an apartment“ follows. For more flats to buy, click.

Spain Comunidad Valenciana. Apartment Area: 83 m 2 3 Bedrooms. Beautiful apartment in lovely Spanish town. Spain Murcia. Apartment Area: 95 m 2 3 Bedrooms. Lovely apartment in the heart of a Spanish town.

Apartment Area: 90 m 2. Spanish Town House. Cervera Del Maestre. House Area: m 2. Plot Ideal For Building. Cevera Del Maestre. Superb Rustic Plot. Rustic Plot Ideal For Building. Rustic Terraced Plot. Rustic Plot. Large cave house to reform FCN Spain Andalucia. Cave house for reform only 12K FCN Others Area: 90 m 2.

Semi detached cortijo FOR Tijola townhouse. House 3 Bedrooms. Lucar village property FLC House 2 Bedrooms. Rural property FFN Lovely village house FSMN House to restore FHJ Ready to move into. Such a pretty house! Apartment Area: 40 m 2 Studio. Swedish log cabin for short term. House Area: 60 m 2 2 Bedrooms.

Orgiva 4 bed townhouse for renovation work. Square Footage. Total surface. Refine Search Results. Delete All Filters. Measurements of United Sta Buy an apartment in Spain Are you looking for an apartment to buy in Spain?

Loft with industrial style in Camp de l' Arpa. Apartment for investors with terrace in Sants. Modern Penthouse in the Heart of Calpe within m from the beach. Apartment with pool in Plaza Europa. Exclusive flat with views of the Retiro Park. Modern apartment in small community.

Bright apartment on the Passeig de Manresa. Modern apartment in walking distance to the port. Modern apartment in the heart of Port Andratx. Fantastic duplex penthouse at a stone's throw from the beach. Luxurious frontline penthouse in Empuriabrava! Sunny and renovated apartment in Downtown.

443,000
* €/m2
242 m2 | 5 bedrooms | 2 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Listings (out of ) for Spain property property for sale. Find Spain overseas property for sale including houses property for sale in Spain, apartments. 3 bedroom flat. needs refurbishment. Spain. Comunidad Valenciana. CANALS. Apartment. 6 Reasons You Should Reconsider Buying Property In Spain. In June , I When I bought my apartment I was 64 years old. I concluded.

Ask yourself: Is owning and driving a car in a foreign country too daunting? Does an isolated location concern me because of potential security issues? Large Or Small? Ask yourself: Do I prefer a rural location; and if so, how important is my proximity to a city versus the privacy I gain from a more remote area? Apartment Or House? Ask yourself: Is a beach important? Or do I prefer mountains?

Is learning a foreign language too scary? Is the lack of certain American cultural attractions a deal breaker? Part-Time Or Full-Time? Ask yourself: Will I view this property as a primary residence or as a vacation or part-time home? This decision can determine the level and cost of decoration and personalization of the space. Health Care Spain is ranked in the top eight best health care systems in the world. Ask yourself: Is health care a priority? Even for a healthy 50 year old… it should be.

The cost of private health insurance in Spain for a year-old North American will be one-half to two-thirds the cost of insurance for a 65 year old. A year-old American has access to Medicare in the States, whereas a self-employed 50 year old is looking at 15 more years of out-of-pocket health insurance expense that is rapidly increasing in cost.

Do you want to make money or make a life? Do your homework about the cities and countries that hold a special interest for you, and keep an open mind. Rent before you buy for a minimum of two months. Hire a good tax advisor to steer you through the sometimes choppy waters of investing overseas. Share Tweet Share Next Post.

Discussion about this post. Trending Comments Latest. Lee Harrison 0. Los Islotes 0. You can do this at to the town planning urbanismo department of the local town hall. You should have the property surveyed. This is not obligatory, but it is wise to get a chartered surveyor to check the property. You should know the cadastral value of the property and how much purchase tax will be due. On completion, the public deed should contain an accurate description of the property.

You should register the property in your name with the Land Registry as soon as possible to ensure full protection of your rights. The notary can even send advance notification to the Land Registry electronically once the public deed is signed.

If you are considering purchasing a coastal property you should contact the Coastal Demarcation office in your region to get a certificate to certify that the property is not affected by the Coastal Law. Be extremely careful if the Land Registry record shows that the property you wish to buy is built on rural land. In normal circumstances the government reserves this type of land for agricultural use and you need to check with the municipal and regional authorities to ensure that full planning permission has been obtained for residential use.

Buying off-plan property inevitably involves higher risk than buying re-sale property. If you are considering buying off-plan in Spain there are a number of points to consider.

Make sure you have a bank guarantee aval bancario to cover your stage payments. Developers of off-plan properties are legally obliged to secure all deposits with a bank guarantee.

However, bear in mind that this obligation only comes into force once the developer has planning permission, so you should ask to see this before making any payments. You can also check this at the Land Registry, because if the description of the future building is registered, the registrar will have seen evidence that the licence exists and work has begun following the approved design.

You should ensure that the bank guarantee is individual and not a collective guarantee covering the whole development, which does not give the same protection. You should also request proof that your payments are deposited in a special escrow account, which can only be used for the construction of the specified development.

You can visit any Mercantile Registry office or use the Land Registry website. Make sure you obtain a copy of the cadastral certificate giving the exact boundaries and square metres of your land. Ensure the developer has insurance covering damage caused by structural defects to the building.

This insurance should be included in the property manual libro del edificio that the developer gives you. You should also get a planning certificate for the plot you wish to buy from the town planning Urbanismo department of the town hall. This will include information such as whether the plot has any building restrictions, is in a green zone, includes a public footpath or if there are any current plans to build a motorway etc.

Once construction has finished, and before you sign the title deed, ask for proof from the seller that the construction has been finished in accordance with the description given in the plans. This is issued as a certificate certificado final de obra. You can also check this at the Land Registry.

You will need this document to connect to electricity and water companies. Developers cannot force you to complete without this licence. Consider asking a chartered surveyor to check the property. This is not obligatory but it is wise to obtain a professional opinion on the property before you complete. Members of the RICS are qualified and experienced professionals offering independent and impartial advice.

The Spanish College of Architects in each province also offers a list of independent specialist surveyors. If the developer does not build your property by the deadline in the contract, or services and utilities are not completed and connected to standard, or the habitation certificate cannot be issued, you are legally entitled to:. If you want to cancel the contract, you should get independent legal advice.

Once you have consulted a lawyer, the first step is to write to the developer to explain that due to non-compliance with the contract, you want to cancel the contract and request that the deposits paid so far are returned, as well as the accrued interest. You should include any relevant documents for example. You should write to the developer using Burofax, so you can prove that you have sent the documents and that the developer received them.

If the developer does not respond to you within the specified timeframe, you should contact the claims department of the bank or savings bank responsible for the guarantee to request a refund of the payments made. Should the bank not comply, the only remaining course of redress is to instruct a lawyer to take a civil case against the bank. If you believe you have been a victim of fraud and you have neither a bank guarantee nor an insurance policy from the developer, you should seek independent legal advice regarding taking criminal legal action through the courts and register a statement with the police.

From the 1 June , all homes for sale or to let in Spain are required by law to have an energy efficiency certificate. If you are offering your property for rent after this date, you will need to obtain an energy certificate first.

If you want to let your property to tourists on a short-term basis, you must ensure that you are doing so in accordance with Spanish law. The regulations on letting tourist apartments apartamentos turisticos and holiday homes viviendas vacacionales to tourists will vary depending on the region where the property is located.

If you are planning on making a return by renting out your property on a short-term basis,seek independent legal advice and check the local laws at the town hall or the tourist department of the regional government before you buy. Be aware that the marketing of private residential property to tourists is strictly regulated in many regions of Spain. Owners who are caught illegally advertising or letting out their properties without complying with local legislation can be liable for significant fines.

If you are planning to buy an apartment which is part of a residential block, you should also check whether there are any rules set by the committee of owners that prohibit or restrict short-term letting. You may want to consider hiring a Spanish letting agent to assist with finding tenants, drawing up rental contracts and managing the property on your behalf. In some regions, it is obligatory to use a specialist tourist apartment management company for short-term rentals to tourists.

Owners who let their properties on a long-term basis are free to do so within the terms set out by the national rental law. However, it is worth seeking professional advice to make sure that you are complying with Spanish legislation and that you are using the correct rental contract. In Spain, there are different types of contracts depending on how long the property is due to be let. You can get copies of these contracts from tobacconists.

You must ensure that you declare your rental income to the Spanish tax authorities Agencia Tributaria whether you are resident in Spain or not. Taxation is a complex issue, and it is advisable to seek the advice of an accountant or professional tax adviser with comprehensive and up to date knowledge of both the UK and Spanish tax regulations. Equity release schemes are schemes which are designed to allow homeowners to release equity from the value of their property as income, a lump sum or a mixture of both.

A reverse mortgage hipoteca inversa is one form of equity release which allows homeowners to borrow money against the value of their home, which is used as collateral. Reverse mortgages are generally marketed at retired homeowners who are over 65 years old.

Your email address: I agree to save and process the entered data as explained in your Privacy Policy. Please confirm that you allow us to save and process the entered data. Manage my Alerts Set Email Alert. Show filter criteria. Hide filter criteria. Region Loading Show more location filter criteria. Hide location filter criteria. Close to. Historic centre. Nursing home. Train station. Bus stop. Shopping area. Public square.

Leisure centre. Touristic area. Ski slope. Natural park. Sub type Loading Present situation non-relevant Occupied Empty Rented In construction. Habitable non-relevant Habitable Not habitable.

122,000
* €/m2
219 m2 | 5 bedrooms | 10 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Find all the sea view real estate offers for purchase in SPAIN, as well as prestige properties for sale, high standing apartments with sea view to buy, houses and. Listings (out of ) for Spain property property for sale. Find Spain overseas property for sale including houses property for sale in Spain, apartments. Search hundreds of properties for sale and rent in Spain. Spanish Property Choice is a family Apartment for sale in Formentera de Segura, Alicante. €​42,

Portugal, under the Non-Habitual Resident program, grants significant reductions during the first 10 years after an individual declares Portugal to be his or her tax residency.

Spain offers no such abatement program. The good news? As of January , the foreign currency exchange rate of the U. This does not include the modest property appreciation I have realized. Apartment purchases in Valencia today, converting from U. These management costs can be reduced with property rentals longer than 30 days, but long-term rentals are not as lucrative as short-term rentals. Now a writer, Mike currently aspires to find a rural cottage in a country yet to be determined that complements his Spanish apartment in the central historic district of Valencia.

The Overseas Property Alert features a weekly dispatch from our far-flung network of editors, experts, and friends detailing the best opportunities today for purchasing, owning, and managing global real estate. Thursday, May 28, January 23, Share on Facebook Share on Twitter. Let me explain… Recently I was looking at properties with an American couple of retirement age, who were in Valencia for the first time.

First Things First I share this story because when buying a property overseas , you must be clear about your objectives. Initial Considerations 1. Urban Or Rural? Ask yourself: Is owning and driving a car in a foreign country too daunting? Does an isolated location concern me because of potential security issues? Large Or Small? Ask yourself: Do I prefer a rural location; and if so, how important is my proximity to a city versus the privacy I gain from a more remote area? Apartment Or House?

Ask yourself: Is a beach important? Or do I prefer mountains? Is learning a foreign language too scary? Is the lack of certain American cultural attractions a deal breaker?

Part-Time Or Full-Time? Ask yourself: Will I view this property as a primary residence or as a vacation or part-time home? This decision can determine the level and cost of decoration and personalization of the space. Health Care Spain is ranked in the top eight best health care systems in the world. Ask yourself: Is health care a priority?

Even for a healthy 50 year old… it should be. The cost of private health insurance in Spain for a year-old North American will be one-half to two-thirds the cost of insurance for a 65 year old. A year-old American has access to Medicare in the States, whereas a self-employed 50 year old is looking at 15 more years of out-of-pocket health insurance expense that is rapidly increasing in cost.

Do you want to make money or make a life? Do your homework about the cities and countries that hold a special interest for you, and keep an open mind. Rent before you buy for a minimum of two months. Hire a good tax advisor to steer you through the sometimes choppy waters of investing overseas. Share Tweet Share Next Post. Discussion about this post. Trending Comments Latest.

As a non-resident, you may also buy land and have a property built yourself. In this case, good legal advice is even more important as you will need to ensure that contracts with builders are appropriate and watertight.

In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. Debts may include:. The process of buying a property in Spain usually runs as follows.

The buyer then arranges any mortgage they require, although they should have already discussed their needs with the mortgage provider. The contract of sale escritura de compravento is usually signed in front of a notary, at which point the full sale price, taxes and other costs become due.

The services of a notary are not legally necessary to complete the sale. But it is advisable and required by many mortgages. The seller is responsible for hidden defects in the property, even if they are not aware of them.

However, in practice gaining restitution for such defects can be difficult and costly. Paying the costs and taxes associated with buying a home can be completed by the buyer or their agent. The buyer is also responsible for registering the property. Following the crash, Spanish banks were reformed with significant IMF involvement. This reduced the number of lenders in operation, and significantly increased the regulation and oversight of the industry.

As a result, many banks began to lend less and mortgage rates and terms became less favourable. Mortgage lenders will not complete on a mortgage agreement until you own a property. The buyer usually pays the fees. They vary from region to region. Many are negotiable — there are no fixed fees for lawyers or estate agents. Costs paid by the buyer include:.

This is typically their only cost. Capital gains tax is paid on the profit of selling your home, i. You may be able to claim a reduction on the capital gains tax to account for inflation; or if you are purchasing another property in Spain; or if you are over 65 and have lived in the property as your main residence for more than three years.

Your residential status does not affect the application of capital gains tax either, as capital gains tax should be paid in Spain for property owned in Spain even if you are no longer a resident. Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados.

They will have a registration number that you can ask for and then verify with the bar association. Naturally, registration does not guarantee honesty or competence, but it is a good minimum standard to insist on. Many governments provide lists of lawyers and translators who speak both Spanish and another language. The Spanish government also provides a list of accredited translators page in Spanish, follow first link in article text for up-to-date PDF. You may change your settings at any time.

Your choices will not impact your visit. NOTE: These settings will only apply to the browser and device you are currently using.

Search for:. Buying property in Spain. Last update on May 21, The Spanish property market Spain suffered during the global financial crisis and ensuing property market crash. Should you rent or buy in Spain? Can foreigners buy property in Spain? Buy a property, get a visa Spain currently offers a golden visa program for property owners.

Buying a home in Spain: where to find real estate As it is easy for foreigners to buy property in Spain, there are websites and estate agents catering to almost every language and nationality. Illegal properties For a long time, Spain has been popular with overseas buyers looking for holiday homes.

They recommend, at minimum checking: The credentials of any lawyers or estate agents used; the land registry Registro de la Propriedad ; that appropriate planning permission has been obtained; that there are no outstanding debts attached to the property, such as a mortgage; that the property is as described and structurally sound either a surveyor or an architect can do this. Buying off plan or a new-build home The worst property scams in Spain, as elsewhere, involve unfinished or unbuilt properties.

At minimum you should: Check the company exists; check online at www. Ensure that the project is registered with the land registry. Check that planning permission has been granted by enquiring at the local city hall.

Enlist an independent party for any translations. Demand proof that any sums paid e. Debts transfer with property In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold.

543,000
* €/m2
6 Reasons You Should Reconsider Buying Property In Spain
119 m2 | 6 bedrooms | 6 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
Rural apartments in Cantabria-Spain Special offers. Book now! Fairway offers penthouse apartments in Colombo, Koswatta and Galle - Reserve Now. International Spain. Property for Sale in Spain. List Map. Buy; Rent. Top cities in Spain. Madrid · Barcelona · Marbella · Sevilla · Zaragoza · Málaga · Murcia.

Continue Find out more. Watch list. Suche Sell your property Buy. Square Footage. Total surface. Refine Search Results. Delete All Filters. Measurements of United Sta Buy an apartment in Spain Are you looking for an apartment to buy in Spain? Loft with industrial style in Camp de l' Arpa. Apartment for investors with terrace in Sants. Modern Penthouse in the Heart of Calpe within m from the beach. Be extremely careful if the Land Registry record shows that the property you wish to buy is built on rural land.

In normal circumstances the government reserves this type of land for agricultural use and you need to check with the municipal and regional authorities to ensure that full planning permission has been obtained for residential use. Buying off-plan property inevitably involves higher risk than buying re-sale property.

If you are considering buying off-plan in Spain there are a number of points to consider. Make sure you have a bank guarantee aval bancario to cover your stage payments. Developers of off-plan properties are legally obliged to secure all deposits with a bank guarantee. However, bear in mind that this obligation only comes into force once the developer has planning permission, so you should ask to see this before making any payments. You can also check this at the Land Registry, because if the description of the future building is registered, the registrar will have seen evidence that the licence exists and work has begun following the approved design.

You should ensure that the bank guarantee is individual and not a collective guarantee covering the whole development, which does not give the same protection. You should also request proof that your payments are deposited in a special escrow account, which can only be used for the construction of the specified development.

You can visit any Mercantile Registry office or use the Land Registry website. Make sure you obtain a copy of the cadastral certificate giving the exact boundaries and square metres of your land. Ensure the developer has insurance covering damage caused by structural defects to the building. This insurance should be included in the property manual libro del edificio that the developer gives you.

You should also get a planning certificate for the plot you wish to buy from the town planning Urbanismo department of the town hall. This will include information such as whether the plot has any building restrictions, is in a green zone, includes a public footpath or if there are any current plans to build a motorway etc. Once construction has finished, and before you sign the title deed, ask for proof from the seller that the construction has been finished in accordance with the description given in the plans.

This is issued as a certificate certificado final de obra. You can also check this at the Land Registry. You will need this document to connect to electricity and water companies.

Developers cannot force you to complete without this licence. Consider asking a chartered surveyor to check the property. This is not obligatory but it is wise to obtain a professional opinion on the property before you complete.

Members of the RICS are qualified and experienced professionals offering independent and impartial advice. The Spanish College of Architects in each province also offers a list of independent specialist surveyors. If the developer does not build your property by the deadline in the contract, or services and utilities are not completed and connected to standard, or the habitation certificate cannot be issued, you are legally entitled to:.

If you want to cancel the contract, you should get independent legal advice. Once you have consulted a lawyer, the first step is to write to the developer to explain that due to non-compliance with the contract, you want to cancel the contract and request that the deposits paid so far are returned, as well as the accrued interest.

You should include any relevant documents for example. You should write to the developer using Burofax, so you can prove that you have sent the documents and that the developer received them. If the developer does not respond to you within the specified timeframe, you should contact the claims department of the bank or savings bank responsible for the guarantee to request a refund of the payments made.

Should the bank not comply, the only remaining course of redress is to instruct a lawyer to take a civil case against the bank. If you believe you have been a victim of fraud and you have neither a bank guarantee nor an insurance policy from the developer, you should seek independent legal advice regarding taking criminal legal action through the courts and register a statement with the police. From the 1 June , all homes for sale or to let in Spain are required by law to have an energy efficiency certificate.

If you are offering your property for rent after this date, you will need to obtain an energy certificate first. If you want to let your property to tourists on a short-term basis, you must ensure that you are doing so in accordance with Spanish law.

The regulations on letting tourist apartments apartamentos turisticos and holiday homes viviendas vacacionales to tourists will vary depending on the region where the property is located. If you are planning on making a return by renting out your property on a short-term basis,seek independent legal advice and check the local laws at the town hall or the tourist department of the regional government before you buy.

Be aware that the marketing of private residential property to tourists is strictly regulated in many regions of Spain. Owners who are caught illegally advertising or letting out their properties without complying with local legislation can be liable for significant fines.

If you are planning to buy an apartment which is part of a residential block, you should also check whether there are any rules set by the committee of owners that prohibit or restrict short-term letting.

You may want to consider hiring a Spanish letting agent to assist with finding tenants, drawing up rental contracts and managing the property on your behalf. In some regions, it is obligatory to use a specialist tourist apartment management company for short-term rentals to tourists. Owners who let their properties on a long-term basis are free to do so within the terms set out by the national rental law. However, it is worth seeking professional advice to make sure that you are complying with Spanish legislation and that you are using the correct rental contract.

In Spain, there are different types of contracts depending on how long the property is due to be let. You can get copies of these contracts from tobacconists.

You must ensure that you declare your rental income to the Spanish tax authorities Agencia Tributaria whether you are resident in Spain or not. Taxation is a complex issue, and it is advisable to seek the advice of an accountant or professional tax adviser with comprehensive and up to date knowledge of both the UK and Spanish tax regulations. Equity release schemes are schemes which are designed to allow homeowners to release equity from the value of their property as income, a lump sum or a mixture of both.

A reverse mortgage hipoteca inversa is one form of equity release which allows homeowners to borrow money against the value of their home, which is used as collateral. Reverse mortgages are generally marketed at retired homeowners who are over 65 years old. If you are considering an equity release scheme, such as a reverse mortgage or lifetime loan, it is advisable to check that the company offering the mortgage is registered with the financial regulator for the securities markets, the Comision Nacional de Mercado de Valores CNMV and that they do not have any warnings issued against them.

A list of financial companies which are not authorised to operate in Spain and those subject to an ongoing investigation is available on the CNMV website. Seek independent legal advice prior to signing any contracts to make sure the information the company has given you is correct, there are no abusive clauses in the contract and you are fully aware of your rights.

Be suspicious of financial companies or agents who try to persuade you into signing a reverse mortgage agreement as a way of avoiding or reducing your tax obligations. If you have any concerns about your tax obligations for example inheritance tax you should seek the advice of an experienced professional tax advisor who can advise you independently.

If you are not happy with the scheme you have been sold, the first step is to submit a complaint to the company responsible for your investment. If after 2 months, you are not satisfied with the response or do not receive a response, you are entitled to complain to the CNMV. Although the CNMV final reports are not binding, they will comment on the conduct of the company or person against whom the complaint has been made.

Lovely apartment in the heart of a Spanish town. Apartment Area: 90 m 2. Spanish Town House. Cervera Del Maestre. House Area: m 2. Plot Ideal For Building. Cevera Del Maestre. Superb Rustic Plot. Rustic Plot Ideal For Building. Rustic Terraced Plot. Rustic Plot. Large cave house to reform FCN Spain Andalucia. Cave house for reform only 12K FCN Others Area: 90 m 2.

Semi detached cortijo FOR Tijola townhouse. House 3 Bedrooms. Lucar village property FLC House 2 Bedrooms. Rural property FFN Lovely village house FSMN

148,000
* €/m2
160 m2 | 1 bedrooms | 6 bathrooms | Furnished | Parking place | Swimming-pool | Gardens
We have Villas, Apartments, Penthouses and more For Sale in Marbella. Property Start your Spanish property search here. Buying in Spain for the first time? Find international property to buy in Spain with Zoopla. Check our range of Spanish properties and see houses, villas and apartments for sale on a map. Dreaming of a settling in a villa on the Costa del Sol or a sleek apartment in Barcelona's Ramblas? Our guide to buying property in Spain.

Show filter criteria. Hide filter criteria. Region Loading Show more location filter criteria. Hide location filter criteria. Close to. Historic centre. Nursing home. Train station. Bus stop. Shopping area. Public square. Leisure centre. Touristic area. Ski slope. Natural park. Sub type Loading Present situation non-relevant Occupied Empty Rented In construction.

Habitable non-relevant Habitable Not habitable. Show more specific filter criteria. Hide specific filter criteria. How much. Spain Comunidad Valenciana. Apartment Area: 83 m 2 3 Bedrooms. Beautiful apartment in lovely Spanish town. Spain Murcia. Apartment Area: 95 m 2 3 Bedrooms.

Lovely apartment in the heart of a Spanish town. Apartment Area: 90 m 2. Spanish Town House. Cervera Del Maestre. House Area: m 2. Plot Ideal For Building. Cevera Del Maestre. The seller is responsible for hidden defects in the property, even if they are not aware of them. However, in practice gaining restitution for such defects can be difficult and costly. Paying the costs and taxes associated with buying a home can be completed by the buyer or their agent.

The buyer is also responsible for registering the property. Following the crash, Spanish banks were reformed with significant IMF involvement. This reduced the number of lenders in operation, and significantly increased the regulation and oversight of the industry. As a result, many banks began to lend less and mortgage rates and terms became less favourable. Mortgage lenders will not complete on a mortgage agreement until you own a property.

The buyer usually pays the fees. They vary from region to region. Many are negotiable — there are no fixed fees for lawyers or estate agents. Costs paid by the buyer include:. This is typically their only cost. Capital gains tax is paid on the profit of selling your home, i. You may be able to claim a reduction on the capital gains tax to account for inflation; or if you are purchasing another property in Spain; or if you are over 65 and have lived in the property as your main residence for more than three years.

Your residential status does not affect the application of capital gains tax either, as capital gains tax should be paid in Spain for property owned in Spain even if you are no longer a resident. Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados. They will have a registration number that you can ask for and then verify with the bar association.

Naturally, registration does not guarantee honesty or competence, but it is a good minimum standard to insist on. Many governments provide lists of lawyers and translators who speak both Spanish and another language. The Spanish government also provides a list of accredited translators page in Spanish, follow first link in article text for up-to-date PDF. You may change your settings at any time.

Your choices will not impact your visit. NOTE: These settings will only apply to the browser and device you are currently using. Search for:. Buying property in Spain. Last update on May 21, The Spanish property market Spain suffered during the global financial crisis and ensuing property market crash. Should you rent or buy in Spain? Can foreigners buy property in Spain? Buy a property, get a visa Spain currently offers a golden visa program for property owners.

Buying a home in Spain: where to find real estate As it is easy for foreigners to buy property in Spain, there are websites and estate agents catering to almost every language and nationality. Illegal properties For a long time, Spain has been popular with overseas buyers looking for holiday homes.

They recommend, at minimum checking: The credentials of any lawyers or estate agents used; the land registry Registro de la Propriedad ; that appropriate planning permission has been obtained; that there are no outstanding debts attached to the property, such as a mortgage; that the property is as described and structurally sound either a surveyor or an architect can do this. Buying off plan or a new-build home The worst property scams in Spain, as elsewhere, involve unfinished or unbuilt properties.

At minimum you should: Check the company exists; check online at www. Ensure that the project is registered with the land registry. Check that planning permission has been granted by enquiring at the local city hall. Enlist an independent party for any translations. Demand proof that any sums paid e.

Debts transfer with property In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. Buying a Spanish property The process of buying a property in Spain usually runs as follows.

Legal requirements The services of a notary are not legally necessary to complete the sale. Funding purchase: deposits and mortgages Following the crash, Spanish banks were reformed with significant IMF involvement. Fees and charges The buyer usually pays the fees.

Flat lay of business concept Capital gains tax Capital gains tax is paid on the profit of selling your home, i. Choosing a reliable lawyer Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados. Finding a translator Many governments provide lists of lawyers and translators who speak both Spanish and another language. Related articles. July 1, A guide to Spanish mortgages.

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They will have a registration number that you can ask for and then verify with the bar association. Naturally, registration does not guarantee honesty or competence, but it is a good minimum standard to insist on. Many governments provide lists of lawyers and translators who speak both Spanish and another language. The Spanish government also provides a list of accredited translators page in Spanish, follow first link in article text for up-to-date PDF.

You may change your settings at any time. Your choices will not impact your visit. NOTE: These settings will only apply to the browser and device you are currently using.

Search for:. Buying property in Spain. Last update on May 21, The Spanish property market Spain suffered during the global financial crisis and ensuing property market crash. Should you rent or buy in Spain? Can foreigners buy property in Spain? Buy a property, get a visa Spain currently offers a golden visa program for property owners. Buying a home in Spain: where to find real estate As it is easy for foreigners to buy property in Spain, there are websites and estate agents catering to almost every language and nationality.

Illegal properties For a long time, Spain has been popular with overseas buyers looking for holiday homes. They recommend, at minimum checking: The credentials of any lawyers or estate agents used; the land registry Registro de la Propriedad ; that appropriate planning permission has been obtained; that there are no outstanding debts attached to the property, such as a mortgage; that the property is as described and structurally sound either a surveyor or an architect can do this.

Buying off plan or a new-build home The worst property scams in Spain, as elsewhere, involve unfinished or unbuilt properties. At minimum you should: Check the company exists; check online at www.

Ensure that the project is registered with the land registry. Check that planning permission has been granted by enquiring at the local city hall.

Enlist an independent party for any translations. Demand proof that any sums paid e. Debts transfer with property In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. Buying a Spanish property The process of buying a property in Spain usually runs as follows. Legal requirements The services of a notary are not legally necessary to complete the sale.

Funding purchase: deposits and mortgages Following the crash, Spanish banks were reformed with significant IMF involvement. Fees and charges The buyer usually pays the fees.

Flat lay of business concept Capital gains tax Capital gains tax is paid on the profit of selling your home, i. Choosing a reliable lawyer Any lawyer practising in Spain should be registered with the local bar association Colegio de Abogados. Finding a translator Many governments provide lists of lawyers and translators who speak both Spanish and another language. Related articles. July 1, A guide to Spanish mortgages. If your lawyer is based in Spain, ask for their registration number and check that they are registered and practising with the local bar association Colegio de Abogados.

You should also check that your lawyer has professional indemnity insurance and do not sign any papers or hand over any money until you have taken independent legal advice. Although the British Embassy cannot recommend a lawyer, we do have lists of local English-speaking lawyers and qualified translators available on our website. Only a Gestor Administrativo with the GA kite mark is professionally qualified and certified to process paperwork directly with the Spanish administration.

More information can be found on their services here. If you are involved in a property dispute and do not have enough money to pay the costs of a court case, you can apply for legal aid. More information is available on the European E-Justice Portal. If you are resident in Spain, you should apply to the local bar association. You may need to find a new lawyer with specific expertise for example, specialist civil lawyers for compensation claims against private parties such as agents, developers or banks, and specialist public body litigants contencioso administrativo for claims against local, regional or state authorities.

If you do not have a good understanding of Spanish, make sure that you get all contracts and documents translated by an independent translator. You can find a list of accredited translators and interpreters in Spain on the Spanish Ministry for Foreign Affairs website. Do your homework: you should analyse and compare different products and services offered by lending companies. If you have any doubts about the terms and conditions, ask the lender to explain.

You should also check with the Bank of Spain that the lender is authorised to operate in Spain. There are a range of mortgages on offer and you should pay special attention to the interest rate and repayment period, fees for setting up the mortgage as well as early repayment and cancellation fees.

If you cannot keep up the mortgage repayments, the Spanish bank could repossess your property in Spain. If the value of the property is less than the total debt outstanding you are in negative equity , the bank may pursue your UK assets to recover the mortgage shortfall using a European Enforcement Order.

Make sure you fully understand the mortgage agreement you sign. If you have any doubts check with the branch during the 10 working-day period after the binding offer has been provided. If for any reason you cannot keep up the mortgage repayments, you should speak to your bank immediately before defaulting on repayments to discuss the options available. Further information on mortgages in Spain is available from the Spanish Mortgage Association.

The Spanish tax authority, the Agencia Tributaria provides some information on its website in English. See the Living in Spain guide for brief information on taxation.

See property fraud guidance. If you believe your lawyer has been negligent and has not met their obligations, you should first complain to the provincial bar association. If their response is unsatisfactory, you can take your complaint to the regional and then national bar associations.

If you have a complaint about the way a court has handled your case, contact the General Council of the Judiciary. If you have a complaint against a notary or gestor administrativo, contact the professional council of which they are a member. See residency requirements in Spain. You should check that planning permissions are in order and the property is a legal build. This is particularly important when buying off-plan or direct from a developer.

The town hall can tell you whether the building has all licences and permissions and what type of land it is. If the property is built on rural land or land that is not classified for construction, you should ask the regional government to confirm construction is authorised.

If you are buying an off-plan property, confirm that the property has been certified as finished by a registered architect and registered as a new build in the property register. In the case of a private build the previous owner built their own house and decided to sell before 10 years had lapsed you will need to request these details separately.

You should check the latest town plan to see whether or not the plot you wish to buy has any building restrictions, is in a green zone or includes a public pathway or similar.

You can do this at to the town planning urbanismo department of the local town hall. You should have the property surveyed. This is not obligatory, but it is wise to get a chartered surveyor to check the property. You should know the cadastral value of the property and how much purchase tax will be due. On completion, the public deed should contain an accurate description of the property.

You should register the property in your name with the Land Registry as soon as possible to ensure full protection of your rights. The notary can even send advance notification to the Land Registry electronically once the public deed is signed.

If you are considering purchasing a coastal property you should contact the Coastal Demarcation office in your region to get a certificate to certify that the property is not affected by the Coastal Law. Be extremely careful if the Land Registry record shows that the property you wish to buy is built on rural land.

In normal circumstances the government reserves this type of land for agricultural use and you need to check with the municipal and regional authorities to ensure that full planning permission has been obtained for residential use. Buying off-plan property inevitably involves higher risk than buying re-sale property. If you are considering buying off-plan in Spain there are a number of points to consider.

Make sure you have a bank guarantee aval bancario to cover your stage payments. Developers of off-plan properties are legally obliged to secure all deposits with a bank guarantee. However, bear in mind that this obligation only comes into force once the developer has planning permission, so you should ask to see this before making any payments.

You can also check this at the Land Registry, because if the description of the future building is registered, the registrar will have seen evidence that the licence exists and work has begun following the approved design. You should ensure that the bank guarantee is individual and not a collective guarantee covering the whole development, which does not give the same protection. You should also request proof that your payments are deposited in a special escrow account, which can only be used for the construction of the specified development.

You can visit any Mercantile Registry office or use the Land Registry website. Make sure you obtain a copy of the cadastral certificate giving the exact boundaries and square metres of your land.

Ensure the developer has insurance covering damage caused by structural defects to the building. This insurance should be included in the property manual libro del edificio that the developer gives you. You should also get a planning certificate for the plot you wish to buy from the town planning Urbanismo department of the town hall. This will include information such as whether the plot has any building restrictions, is in a green zone, includes a public footpath or if there are any current plans to build a motorway etc.

Luxurious frontline penthouse in Empuriabrava! Sunny and renovated apartment in Downtown. Apartment with indoors swimming pool. Elegant property in La Petxina. Bright house all exterior in El Mercat. Refurbished flat with clear views in Castellana. More results. Contact us. Imprint Press. Privacy policy. GG Magazine. Business Divisions.

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Statistics and prices of properties with pool in Spain

Prices are going up in this area.

Average price in this area: 1,495 €/m2

The cheapest property in this area: Rent to own detached house in Alcobendas, 0

The most expensive property in this area: Hotel for sale in Nueva Andalucía, Marbella, 65,000,000 €

Cheapest areas: Aragon, Castile and Leon, Estremadura

Most expensive areas: Melilla, Balearic Islands, Andalusia

Prices are going down in the areas: Madrid, Andalusia, Canary Islands.

More statistics and trends...