Buying property in Spain is straightforward when you know the rules. This FAQ covers everything from getting your NIE number to completing at the notary — and all the costs in between.

Eligibility & Basic Requirements

1. Can foreigners buy property in Spain?

2. Do I need to be a Spanish resident to buy property?

3. What is an NIE number and why do I need it?

4. How do I get an NIE number?

5. Do I need a Spanish bank account to buy a property?

6. Are there restrictions on non-EU citizens buying property?

The Buying Process

1. How long does the property buying process take in Spain?

2. What are the main steps to buying property in Spain?

3. How much deposit do I need to buy in Spain?

4. What should I do first before viewing properties?

5. What's the single most important tip for buying in Spain?

First-Time Buyer's Guide Step-by-step buying process explained

Costs & Taxes

1. What are the typical buying costs in Spain?

2. What taxes do I pay on a resale property?

3. What taxes do I pay on a new-build property?

4. What ongoing taxes will I pay as a property owner?

5. Do I pay tax even if I don't rent out the property?

6. What is IBI tax?

7. Are there hidden costs I should watch out for?

Costs & Taxes Guide Complete breakdown of all buying costs

Lawyers & Notaries

1. Do I need a lawyer when buying property in Spain?

2. What does the lawyer do for me?

3. What is a notary and what is their role?

4. What is the "Escritura de Compraventa"?

5. What is the "Nota Simple"?

6. Do I need to be in Spain to complete the purchase?

Mortgages & Financing

1. Can I get a mortgage in Spain as a foreigner?

2. What documents do I need for a Spanish mortgage?

3. What are typical Spanish mortgage terms?

4. How much can I borrow as a non-resident?

5. Are mortgages more expensive for non-residents?

Insurance & Community Fees

1. Do I need home insurance in Spain?

2. Are community fees common in Spain?

3. What is a "Comunidad de Propietarios"?

Renting Out Your Property

1. Can I rent out my property to tourists?

2. Do I need a licence for long-term rentals?

Contracts & Deposits

1. What is a reservation contract?

2. Is the reservation fee refundable?

3. What happens if the seller pulls out?

4. What happens if I pull out after signing a private contract?

5. Do I have to pay the seller's unpaid bills or debts?

Special Property Types & Situations

1. Are there risks with buying off-plan in Spain?

2. Should I get a survey before buying?

3. Can I negotiate the asking price?

4. Is buying rural property in Spain different?

5. Is it safe to buy bank-repossessed properties?

Ownership, Inheritance & Residency

1. Can I buy property in Spain through a company?

2. How does inheritance work for property in Spain?

3. Is it better to buy in my own name or joint names?

4. Can I live in Spain permanently if I buy a property?

Certificates & Licences

1. Are energy certificates required when buying?

2. Can I renovate or extend my Spanish property easily?

Need Help?

Still have questions? Our team of experts is here to help you navigate every step of buying property in Spain.

First-Time Buyer's Guide Complete guide for buying in Spain

Buying FAQ