Fact sheets
The essentials of each step, summed up in one clear sheet. Buying, owning, renting out or insuring your property: our advisers have gathered here the answers to the questions you ask us most often.
Your journey in 3 stepsPreparing your project
The first formalities, best started early.Getting your NIE
The foreigner identification number you need for any purchase. Where to apply, which documents, how long it takes.
Opening a bank account
Resident or non-resident account, the documents to provide and banks used to foreign clients.
From the offer to the keys
The arras contract, your budget and signing at the notary.Buying costs
Taxes, notary, land registry: a breakdown of your purchase budget, region by region.
The arras contract
The arras contract binds both parties: amounts, clauses and withdrawal cases.
Signing at the notary
How the big day goes: checks, escritura, payment and handing over the keys.
Once you own it
Tax, insurance and renting out your property.Non-resident taxation
IRNR, property tax (IBI), capital gains: your yearly obligations when you own property in Spain.
Home insurance
What is mandatory, what is recommended, and how to insure a rented property.
Renting out legally
Long-term or holiday rental: contracts, tourist licences and the owner's obligations.
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