{"id":18367,"date":"2026-01-23T11:42:45","date_gmt":"2026-01-23T10:42:45","guid":{"rendered":"https:\/\/firmalex.com\/?page_id=18367"},"modified":"2026-01-23T18:59:10","modified_gmt":"2026-01-23T17:59:10","slug":"how-to-buy-a-house-in-spain","status":"publish","type":"page","link":"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/","title":{"rendered":"How to buy a house in Spain"},"content":{"rendered":"\n<h5 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Guide_Index\"><\/span>Guide Index<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n<p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-center ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#Guide_Index\" >Guide Index<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#1_The_Spanish_Real_Estate_Context_Dynamics_and_Key_Factors\" >1. The Spanish Real Estate Context: Dynamics and Key Factors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#2_First_Steps_Define_Your_Search_and_Budget\" >2. First Steps: Define Your Search and Budget<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#21_Definition_of_Needs_and_Purpose\" >2.1. Definition of Needs and Purpose<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#22_New_Construction_or_Resale_A_Detailed_Analysis\" >2.2. New Construction or Resale: A Detailed Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#23_Establishing_the_Total_Budget\" >2.3. Establishing the Total Budget<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#3_Requirements_and_Initial_Procedures_Special_Foreigners\" >3. Requirements and Initial Procedures (Special Foreigners)<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#31_Key_Documentation_NIE_and_Bank_Account\" >3.1. Key Documentation (NIE and Bank Account)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#32_Residence_Visa_for_Investment_Golden_Visa\" >3.2. Residence Visa for Investment (Golden Visa)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#33_Common_Mistakes_of_Non-Residents\" >3.3. Common Mistakes of Non-Residents<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#4_The_Search_and_Professional_Advice\" >4. The Search and Professional Advice<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#41_Search_Channels_and_Location\" >4.1. Search Channels and Location<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#42_With_or_Without_an_Agent_Advantages_and_Cautions\" >4.2. With or Without an Agent? Advantages and Cautions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#43_The_Importance_of_the_Collegiate_Real_Estate_Attorney\" >4.3. The Importance of the Collegiate Real Estate Attorney<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#5_Due_Diligence_Due_Diligence_and_Legal_Checks_Critical_Step\" >5. Due Diligence (Due Diligence) and Legal Checks (Critical Step)<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#51_Essential_Documentation_for_Reviewing\" >5.1. Essential Documentation for Reviewing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#52_The_Physical_Inspection_and_Hidden_Defects\" >5.2. The Physical Inspection and Hidden Defects<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#6_The_Purchase_Process_Times_Offer_and_Deed\" >6. The Purchase Process: Times, Offer and Deed<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#61_Offer_and_Deposit_Contract\" >6.1. Offer and Deposit Contract<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#62_Mortgage_Financing\" >6.2. Mortgage Financing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#63_Signing_the_Deed_and_Post-Closing_Steps\" >6.3. Signing the Deed and Post-Closing Steps<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#64_Average_Process_Times\" >6.4. Average Process Times<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#7_Total_Taxes_and_Expenses_of_the_Purchase\" >7. Total Taxes and Expenses of the Purchase<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#8_Frequent_Problems_and_Recommendations\" >8. Frequent Problems and Recommendations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#9_Comprehensive_Conclusion\" >9. Comprehensive Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#10_Bibliographic_References_Articles_from_wwwfirmalexcom\" >10. Bibliographic References (Articles from www.firmalex.com)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/firmalex.com\/en\/how-to-buy-a-house-in-spain\/#11_FIRMALEX_Contact\" >11. FIRMALEX Contact<\/a><\/li><\/ul><\/nav><\/div>\n`<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_The_Spanish_Real_Estate_Context_Dynamics_and_Key_Factors\"><\/span>1. The Spanish Real Estate Context: Dynamics and Key Factors<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>The real estate market in Spain is cyclical and highly dynamic, with a high percentage of home ownership among residents (close to 80%). Since 2016, prices have shown constant growth, although factors such as inflation and the rise of the Euribor have influenced the recent market, leading many buyers to opt for resale housing.<\/p>\n\n\n\n<p>The foreign buyer plays a crucial role, with non-residents often paying an average price per square meter higher than that of residents, which underscores a strong investment and second home interest.<\/p>\n\n\n\n<p>Although the purchase decision is personal, the <strong>seasonality<\/strong> can influence availability and negotiation:<\/p>\n\n\n\n<ul>\n<li><strong>High Activity Periods:<\/strong> Spring and early summer usually see a peak in supply, coinciding with an increase in competition.<\/li>\n\n\n\n<li><strong>Opportunity Periods:<\/strong> Historically, periods with less competition, such as <strong>autumn or winter<\/strong>, may offer better negotiation opportunities.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-2.png\" data-lbwps-width=\"1536\" data-lbwps-height=\"1024\" data-lbwps-srcsmall=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-2-300x200.png\"><img decoding=\"async\" width=\"1024\" height=\"683\" data-src=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-2-1024x683.png\" alt=\"\" class=\"wp-image-18930 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/683;width:432px;height:auto\" data-srcset=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-2-1024x683.png 1024w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-2-300x200.png 300w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-2-768x512.png 768w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-2.png 1536w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_First_Steps_Define_Your_Search_and_Budget\"><\/span>2. First Steps: Define Your Search and Budget<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"21_Definition_of_Needs_and_Purpose\"><\/span>2.1. Definition of Needs and Purpose<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>At Firmalex, before starting the search, we recommend establishing the requirements that the property must meet.<\/p>\n\n\n\n<ul>\n<li><strong>Essential Characteristics:<\/strong> Create a detailed list (number of rooms, square meters, nearby services, common areas, etc.).<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-caracteristicas_EN.jpg\" data-lbwps-width=\"580\" data-lbwps-height=\"240\" data-lbwps-srcsmall=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-caracteristicas_EN-300x124.jpg\"><img decoding=\"async\" width=\"580\" height=\"240\" data-src=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-caracteristicas_EN.jpg\" alt=\"\" class=\"wp-image-18972 lazyload\" data-srcset=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-caracteristicas_EN.jpg 580w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-caracteristicas_EN-300x124.jpg 300w\" data-sizes=\"(max-width: 580px) 100vw, 580px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 580px; --smush-placeholder-aspect-ratio: 580\/240;\" \/><\/a><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<ul>\n<li><strong>Purpose:<\/strong> Define if it will be for <strong>habitual residence<\/strong> or for <strong>rent\/investment<\/strong>. This will influence the choice of area:\n<ul>\n<li><strong>Habitual Residence:<\/strong> Priority is given to quality of life, proximity to services, and daily logistics (work, schools). The location is entirely subjective to the buyer&#8217;s needs.<\/li>\n\n\n\n<li><strong>Investment (Rental):<\/strong> If the goal is profitability, the largest cities do not always offer the best return due to the high entry price. Cities or areas with more moderate purchase prices and high rental demand (such as Lleida, Murcia or Huelva) usually offer a higher gross return.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"22_New_Construction_or_Resale_A_Detailed_Analysis\"><\/span>2.2. New Construction or Resale: A Detailed Analysis<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>The choice between a brand new or pre-owned home impacts the cost, taxes, and property conditions.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-obra_EN.png\" data-lbwps-width=\"531\" data-lbwps-height=\"373\" data-lbwps-srcsmall=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-obra_EN-300x211.png\"><img decoding=\"async\" width=\"531\" height=\"373\" data-src=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-obra_EN.png\" alt=\"\" class=\"wp-image-18978 lazyload\" data-srcset=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-obra_EN.png 531w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-obra_EN-300x211.png 300w\" data-sizes=\"(max-width: 531px) 100vw, 531px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 531px; --smush-placeholder-aspect-ratio: 531\/373;\" \/><\/a><\/figure><\/div>\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/grafica_diferencias_financieras_vivienda_EN.jpg\" data-lbwps-width=\"930\" data-lbwps-height=\"696\" data-lbwps-srcsmall=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/grafica_diferencias_financieras_vivienda_EN-300x225.jpg\"><img decoding=\"async\" width=\"930\" height=\"696\" data-src=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/grafica_diferencias_financieras_vivienda_EN.jpg\" alt=\"\" class=\"wp-image-18958 lazyload\" data-srcset=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/grafica_diferencias_financieras_vivienda_EN.jpg 930w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/grafica_diferencias_financieras_vivienda_EN-300x225.jpg 300w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/grafica_diferencias_financieras_vivienda_EN-768x575.jpg 768w\" data-sizes=\"(max-width: 930px) 100vw, 930px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 930px; --smush-placeholder-aspect-ratio: 930\/696;\" \/><\/a><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"23_Establishing_the_Total_Budget\"><\/span>2.3. Establishing the Total Budget<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>The cost of housing goes beyond the sale price. You must have a minimum of <strong>10% to 15% additional<\/strong> of the purchase price to cover the following expenses and taxes:<\/p>\n\n\n\n<ul>\n<li><strong>Taxes:<\/strong> ITP or VAT\/AJD (the highest cost).<\/li>\n\n\n\n<li><strong>Notary, Registry and Management Expenses:<\/strong> (Approximately 1% &#8211; 2.5%).<\/li>\n\n\n\n<li><strong>Legal Fees:<\/strong> (1% &#8211; 2%, if you hire a lawyer).<\/li>\n\n\n\n<li><strong>Valuation Expenses<\/strong> (if there is a mortgage): Between 250 and 600 euros.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Requirements_and_Initial_Procedures_Special_Foreigners\"><\/span>3. Requirements and Initial Procedures (Special Foreigners)<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"31_Key_Documentation_NIE_and_Bank_Account\"><\/span>3.1. Key Documentation (NIE and Bank Account)<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>For any foreign or non-resident buyer, the requirements are simple, but mandatory:<\/p>\n\n\n\n<ul>\n<li><strong>NIE (Foreigner Identification Number):<\/strong> It is the tax identification number necessary for any financial transaction in Spain. Firmalex can help you get your NIE more easily.<\/li>\n\n\n\n<li><strong>Spanish Bank Account:<\/strong> Although it is not mandatory, it is highly recommended to facilitate payments and speed up procedures.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-1.jpeg\" data-lbwps-width=\"444\" data-lbwps-height=\"266\" data-lbwps-srcsmall=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-1-300x180.jpeg\"><img decoding=\"async\" width=\"444\" height=\"266\" data-src=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-1.jpeg\" alt=\"\" class=\"wp-image-18921 lazyload\" data-srcset=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-1.jpeg 444w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-1-300x180.jpeg 300w\" data-sizes=\"(max-width: 444px) 100vw, 444px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 444px; --smush-placeholder-aspect-ratio: 444\/266;\" \/><\/a><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"32_Residence_Visa_for_Investment_Golden_Visa\"><\/span>3.2. Residence Visa for Investment (<em>Golden Visa<\/em>)<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>Spain offers a visa program for non-EU citizens: if the real estate investment exceeds <strong>500.000 \u20ac<\/strong>, the buyer can apply for a residence visa (Golden Visa).<\/p>\n\n\n\n<ul>\n<li><strong><em>Warning:<\/em><\/strong><em> It is essential to consult the most recent immigration and investment legislation, as this type of regulation is subject to review and modification by the Government.<\/em><\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"33_Common_Mistakes_of_Non-Residents\"><\/span>3.3. Common Mistakes of Non-Residents<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<ul>\n<li><strong>Tax ignorance:<\/strong> Not provisioning the additional amount (typically between 8-12%) to cover taxes, expenses and fees.<\/li>\n\n\n\n<li><strong>Incomplete inspection:<\/strong> Omit the <em>due diligence<\/em> exhaustive to verify the legality of the property and the developer (in the case of new construction).<\/li>\n\n\n\n<li><strong>Blind faith:<\/strong> Relying exclusively on the seller&#8217;s agent, without hiring an independent lawyer to defend the buyer&#8217;s interests.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_The_Search_and_Professional_Advice\"><\/span>4. The Search and Professional Advice<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"41_Search_Channels_and_Location\"><\/span>4.1. Search Channels and Location<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>Online real estate portals such as Idealista or Fotocasa are the main tool for searching. If the goal is <strong>investment for rent<\/strong>, the highest returns (annual gross rents between 6% and almost 9%) are usually found outside the major capitals (Madrid or Barcelona), with cities such as being more profitable <strong>Lleida, Murcia, Huelva, Santa Cruz de Tenerife or Almer\u00eda<\/strong>.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"42_With_or_Without_an_Agent_Advantages_and_Cautions\"><\/span>4.2. With or Without an Agent? Advantages and Cautions<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>Buying <strong>without a real estate agency<\/strong> allows you to save the commission (which is usually paid by the seller, but may influence the final price) and negotiate directly. However, it obliges the buyer to assume all the bureaucratic and legal burden.<\/p>\n\n\n\n<ul>\n<li><strong>Cautions:<\/strong> The real estate agent usually works for the seller. It is crucial to approach with caution, avoid advance payments to intermediaries and <strong>always hire an independent professional like Firmalex<\/strong> for legal and financial review.<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"43_The_Importance_of_the_Collegiate_Real_Estate_Attorney\"><\/span>4.3. The Importance of the Collegiate Real Estate Attorney<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>The hiring of a real estate lawyer <strong>collegiate in Spain<\/strong> is not mandatory, but it is <strong>highly advisable<\/strong> for preventive purposes.<\/p>\n\n\n\n<p>The cost savings of hiring a real estate lawyer such as Jens Gerl or Agust\u00edn Costa far outweighs their fees, as it prevents legal and tax problems.<\/p>\n\n\n\n<p>The lawyer is essential for <strong>preventive investigation and analysis<\/strong> (<em>Due Diligence<\/em>), the review of the tax situation (charges, vices and taxes) and the verification that the purchase contracts are in order.<\/p>\n\n\n\n<p>In addition, it is beneficial for non-residents because pcan act with a power of attorney on behalf of the buyer if he\/she is not present in Spain for the procedures.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image.jpeg\" data-lbwps-width=\"704\" data-lbwps-height=\"565\" data-lbwps-srcsmall=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-300x241.jpeg\"><img decoding=\"async\" width=\"704\" height=\"565\" data-src=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image.jpeg\" alt=\"\" class=\"wp-image-18920 lazyload\" style=\"--smush-placeholder-width: 704px; --smush-placeholder-aspect-ratio: 704\/565;width:470px;height:auto\" data-srcset=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image.jpeg 704w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/image-300x241.jpeg 300w\" data-sizes=\"(max-width: 704px) 100vw, 704px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Due_Diligence_Due_Diligence_and_Legal_Checks_Critical_Step\"><\/span>5. Due Diligence (<em>Due Diligence<\/em>) and Legal Checks (Critical Step)<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>Before signing any deposit or reservation contract, it is mandatory to carry out a thorough verification of the property.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"51_Essential_Documentation_for_Reviewing\"><\/span>5.1. Essential Documentation for Reviewing<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-documentos-comprar-vivienda3_EN.png\" data-lbwps-width=\"528\" data-lbwps-height=\"387\" data-lbwps-srcsmall=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-documentos-comprar-vivienda3_EN-300x220.png\"><img decoding=\"async\" width=\"528\" height=\"387\" data-src=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-documentos-comprar-vivienda3_EN.png\" alt=\"\" class=\"wp-image-18984 lazyload\" data-srcset=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-documentos-comprar-vivienda3_EN.png 528w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-documentos-comprar-vivienda3_EN-300x220.png 300w\" data-sizes=\"(max-width: 528px) 100vw, 528px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 528px; --smush-placeholder-aspect-ratio: 528\/387;\" \/><\/a><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"52_The_Physical_Inspection_and_Hidden_Defects\"><\/span>5.2. The Physical Inspection and Hidden Defects<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>The personal visit is essential. In addition, the seller is responsible for the <strong>hidden defects<\/strong>&#8211; serious defects that were not evident in the purchase. Although the seller is responsible, the claim can be difficult, so it is recommended to commission an independent expert report (<em>survey<\/em>) to a technician (quantity surveyor or architect) before paying the deposit or signing the deposit contract. If it is not possible, the contract must include a clause that allows the buyer to withdraw without penalty if structural or serious defects are detected.<\/p>\n\n\n\n<p>The <strong>hidden defects<\/strong> are defined in the <strong>article 1484 of the Civil Code<\/strong> such as those defects in the property that, had the buyer known about them, they would not have acquired it or would have offered a lower price.<\/p>\n\n\n\n<ul>\n<li><strong>Claim Period:<\/strong> The buyer has a legal period of <strong>six months<\/strong> from the delivery of the property to make a claim.<\/li>\n\n\n\n<li><strong>Process:<\/strong> It begins with a formal claim (certified mail) to the seller. If there is no agreement, mediation or judicial process can be used, always providing expert evidence that demonstrates that the defects existed before the purchase.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_The_Purchase_Process_Times_Offer_and_Deed\"><\/span>6. The Purchase Process: Times, Offer and Deed<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"61_Offer_and_Deposit_Contract\"><\/span>6.1. Offer and Deposit Contract<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<ul>\n<li><strong>Negotiation:<\/strong> Prices are negotiable; once the verbal offer is accepted, it must be formalized in writing.<\/li>\n\n\n\n<li><strong>Deposit Contract:<\/strong> When signing this contract (reservation), the buyer delivers a deposit, which is usually <strong>10%<\/strong> of the purchase price. This document formalizes the commitment and establishes penalties if either party defaults. That is why the <strong>Key Clauses<\/strong>are important. These alloweyou to withdraw from the contract without penalty if: (a) the mortgage is not obtained, or (b) if the <em>due diligence<\/em> reveals serious legal or technical problems.<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"62_Mortgage_Financing\"><\/span>6.2. Mortgage Financing<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>If you need a loan, you should have discussed your needs with the bank <em>before<\/em> paying the deposit, as the appraised value may differ from the market price.<\/p>\n\n\n\n<ul>\n<li><strong>Necessary Savings:<\/strong> Mortgages rarely cover more than 80% of the purchase value. It is essential to have at least <strong>20% of the price of the property<\/strong>, plus <strong>8-12% additional<\/strong> to cover all associated expenses and taxes.<\/li>\n\n\n\n<li><strong>Coverage:<\/strong> Mortgages cover a maximum of <strong>80%<\/strong> of the appraisal\/purchase value of the first home (60-70% for second homes).<\/li>\n\n\n\n<li><strong>Parameters:<\/strong> Terms range from 5 to 30 years, with a maximum liquidation age of 75 years.<\/li>\n\n\n\n<li><strong>Debt:<\/strong> Your total debt should not exceed <strong>30-35%<\/strong> of your income.<\/li>\n<\/ul>\n\n\n\n<p><strong>Mortgage Relief Mechanisms (Codes of Good Practice)<\/strong><\/p>\n\n\n\n<p>Financial institutions, often in collaboration with the Government, implement <strong>Codes of Good Practice<\/strong> and other mortgage relief measures in contexts of economic instability or significant variations in interest rates.<\/p>\n\n\n\n<ul>\n<li><strong>Objective:<\/strong> Mitigate the financial impact on vulnerable families.<\/li>\n\n\n\n<li><strong>Common Measures:<\/strong> Loan restructuring to reduce installments, change from variable to fixed mortgage, or facilitate early amortization.<\/li>\n\n\n\n<li><strong><em>Warning:<\/em><\/strong><em> The availability and criteria for this aid depend on the economic policy in force at the time of the request and should be consulted with the Bank of Spain and the adhered entities.<\/em><\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"63_Signing_the_Deed_and_Post-Closing_Steps\"><\/span>6.3. Signing the Deed and Post-Closing Steps<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>Steps <strong>The purchase is formalized before a<\/strong> <strong>Public<\/strong> Notary through the signing of the Sale Deed. It is the moment in which the total price is paid (by bank check) and the property is transferred with the delivery of keys.<\/p>\n\n\n\n<p><strong>Post-Signature Steps:<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Registration in the Land Registry:<\/strong> After signing, the notary or manager processes the registration within a <strong>period of 60 days<\/strong>, which guarantees the legal security of the ownership.<\/li>\n\n\n\n<li><strong>Change of Ownership in the Cadastre:<\/strong> It is usually automatic with the notarial signature.<\/li>\n\n\n\n<li><strong>Post-Sale Taxes:<\/strong> Payment of ITP or VAT\/AJD (buyer) and the <em>Municipal Capital Gains<\/em> (seller), within <strong>30 days<\/strong> after signing.<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"64_Average_Process_Times\"><\/span>6.4. Average Process Times<span class=\"ez-toc-section-end\"><\/span><\/h6>\n\n\n\n<p>The average time from the start of the search to signing at the notary is <strong>3 to 6 months<\/strong>. This period may be extended if the property requires renovations or if the mortgage processing is delayed.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/pasos_compra_vivienda_EN.jpg\" data-lbwps-width=\"987\" data-lbwps-height=\"705\" data-lbwps-srcsmall=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/pasos_compra_vivienda_EN-300x214.jpg\"><img decoding=\"async\" width=\"987\" height=\"705\" data-src=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/pasos_compra_vivienda_EN.jpg\" alt=\"\" class=\"wp-image-18966 lazyload\" data-srcset=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/pasos_compra_vivienda_EN.jpg 987w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/pasos_compra_vivienda_EN-300x214.jpg 300w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/pasos_compra_vivienda_EN-768x549.jpg 768w\" data-sizes=\"(max-width: 987px) 100vw, 987px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 987px; --smush-placeholder-aspect-ratio: 987\/705;\" \/><\/a><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Total_Taxes_and_Expenses_of_the_Purchase\"><\/span>7. Total Taxes and Expenses of the Purchase<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>The buyer is responsible for most of the expenses, which range between <strong>8% and 12%<\/strong> of the purchase price.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-impuestos_EN.png\" data-lbwps-width=\"528\" data-lbwps-height=\"498\" data-lbwps-srcsmall=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-impuestos_EN-300x283.png\"><img decoding=\"async\" width=\"528\" height=\"498\" data-src=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-impuestos_EN.png\" alt=\"\" class=\"wp-image-18990 lazyload\" data-srcset=\"https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-impuestos_EN.png 528w, https:\/\/firmalex.com\/wp-content\/uploads\/2026\/01\/tabla-impuestos_EN-300x283.png 300w\" data-sizes=\"(max-width: 528px) 100vw, 528px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 528px; --smush-placeholder-aspect-ratio: 528\/498;\" \/><\/a><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Frequent_Problems_and_Recommendations\"><\/span>8. Frequent Problems and Recommendations<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p><strong>Unknown legal charges (mortgages, liens, usufructs). <\/strong>It is advisable to request an <strong>updated Simple Note<\/strong> and review it carefully to verify owners, charges and limitations.<strong><\/strong><\/p>\n\n\n\n<p><strong>Appraisal value lower than the purchase price. <\/strong>It is recommended to carry out an <strong>independent prior appraisal<\/strong> before signing a deposit agreement, or negotiate the price based on the appraisal.<\/p>\n\n\n\n<p><strong>Hidden or miscalculated costs. <\/strong>&nbsp;It is important to make a <strong>complete calculation of the total cost<\/strong>, including ITP\/VAT, notary, registry, management, appraisal and possible spills.<\/p>\n\n\n\n<p><strong>Delays or problems in new construction homes. <\/strong>It is advisable to review the <strong>purchase agreement<\/strong>, the deadlines, the penalties and the <strong>quality report<\/strong>. Verify the solvency of the promoter.<\/p>\n\n\n\n<p><strong>Hidden defects in second-hand homes. <\/strong>RWe recommend carrying out a <strong>professional technical inspection<\/strong> (architect or technician) before closing the purchase and document any defects.<\/p>\n\n\n\n<p><strong>Difficulties in obtaining financing. <\/strong>It is interesting to ccompare mortgage offers in <strong>several banks<\/strong>, improve financial documentation and review conditions such as ties and commissions.<\/p>\n\n\n\n<p><strong>Ambiguous contractual clauses or penalties. <\/strong>It is important to draft and review the <strong>deposit contract<\/strong>carefully, including clear conditions (especially on financing).<\/p>\n\n\n\n<p><strong>Unexpected problems in the area or neighborhood. <\/strong>We always recommend analyzing the <strong>environment at different times<\/strong>, review transportation, noise, services, shops and security.<\/p>\n\n\n\n<p><strong>Hasty decisions due to commercial pressure. <\/strong>TAlso it is important to take the necessary time, <strong>do not hand over money without a contract<\/strong> and review carefully all documentation before committing.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_Comprehensive_Conclusion\"><\/span>9. Comprehensive Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>Buying a home in Spain is a process that combines opportunities and challenges, especially in a dynamic market, influenced by economic, fiscal, and urban factors. The key to a safe and efficient purchase lies in <strong>planning<\/strong>, <strong>accurate information<\/strong> and <strong>diligence in each step<\/strong>. From clearly defining needs and budget to conducting thorough due diligence, each phase requires attention and rigor.<\/p>\n\n\n\n<p>The choice between new construction and resale housing, the management of procedures such as the NIE or the mortgage, and the legal review by qualified professionals are decisions that directly influence the success of the operation. Likewise, understanding the tax burden, correctly analyzing the area, and anticipating possible problems\u2014such as hidden defects, registration charges, or urban discrepancies\u2014allows avoiding costly risks for both residents and foreign buyers.<\/p>\n\n\n\n<p>In an environment where competition can vary depending on seasonality and where financing largely depends on solvency and appraisal, the informed buyer acquires a significant advantage. Having adequate advice, taking the necessary time, and reviewing each document with precision not only offers peace of mind but also a solid foundation to protect the investment in the long term.<\/p>\n\n\n\n<p>In short, buying a home in Spain is not just a financial operation: it is a strategic decision that affects assets and quality of life. With adequate preparation, rigorous analysis, and the support of competent professionals like those at Firmalex, the process becomes safer, more transparent, and success-oriented.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Bibliographic_References_Articles_from_wwwfirmalexcom\"><\/span>10. Bibliographic References (Articles from www.firmalex.com)<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>The information in this guide has been synthesized and integrated from the following articles published by Firmalex:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/firmalex.com\/en\/2025\/03\/21\/how-to-choose-a-home-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">Guide to Choosing a Home in Spain<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2024\/05\/31\/buying-a-new-or-second-hand-home-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">Advantages and Disadvantages of New vs. Resale Housing<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.firmalex.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Main Expenses When Buying a House in Spain<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2022\/11\/11\/what-are-the-main-expenses-when-buying-a-house-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">Legal Aspects and Debt Checks When Buying<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2021\/10\/22\/how-to-buy-a-house-in-spain-where-to-find-it\/\" target=\"_blank\" rel=\"noreferrer noopener\">Where to Find Your House in Spain<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2021\/11\/05\/how-to-buy-a-house-in-spain-the-purchasing-process\/\" target=\"_blank\" rel=\"noreferrer noopener\">The Process of Buying a House in Spain<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2021\/11\/19\/how-to-buy-a-house-in-spain-the-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Get a Mortgage in Spain<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2025\/06\/26\/expenses-associated-with-purchasing-a-home-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">Taxes and Expenses When Buying a House in Spain<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2022\/08\/19\/4-advantages-of-hiring-a-property-lawyer-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">The Importance of the Real Estate Lawyer When Buying<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2023\/03\/31\/step-by-step-to-buy-a-house-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">Step-by-Step Guide to Buying a Home<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2023\/08\/18\/best-areas-to-buy-a-home-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">The Best Areas to Buy a Home: Residence or Investment<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2024\/04\/05\/the-hidden-defects-in-the-purchase-of-a-home-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hidden Defects in the Purchase of a Home: What They Are and How to Claim<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2022\/09\/16\/14-common-mistakes-when-buying-a-property-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">Common Mistakes When Buying a Property in Spain<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2025\/02\/21\/buying-a-home-without-a-real-estate-agent\/\" target=\"_blank\" rel=\"noreferrer noopener\">Buying a Home Without a Real Estate Agency: Advantages and Disadvantages<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/firmalex.com\/en\/2024\/07\/05\/how-long-does-it-take-to-buy-a-property-in-spain\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Long Does It Take to Buy a Property in Spain?<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"11_FIRMALEX_Contact\"><\/span>11. FIRMALEX Contact<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>FIRMALEX is your trusted consultancy in D\u00e9nia and Valencia. We offer a comprehensive professional service and a <strong>Comprehensive Real Estate Advice<\/strong> for the sale and purchase of real estate in Spanish territory.<\/p>\n\n\n\n<p>Our staff speaks perfectly <strong>Spanish, Valencian, English and German<\/strong>, which allows you to communicate with us in your own language and resolve your queries clearly.<\/p>\n\n\n\n<p><strong>Offices:<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>D\u00e9nia:<\/strong> Plaza del Convento, 6 &#8211; Mezzanine floor, door B<\/li>\n\n\n\n<li><strong>Valencia:<\/strong> Calle Creu Roja, 1 &#8211; Bloque 6, planta 1, pta. 10 (by appointment only)<\/li>\n<\/ul>\n\n\n\n<p><strong>Contact:<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Email<\/strong>: <a href=\"mailto:info@firmalex.com\" target=\"_blank\" rel=\"noreferrer noopener\">info@firmalex.com<\/a><\/li>\n\n\n\n<li><strong>Phone<\/strong>: <a href=\"tel:+34966421416\" target=\"_blank\" rel=\"noreferrer noopener\">+34 966 421 416<\/a><\/li>\n\n\n\n<li><strong>Whatsapp<\/strong>: <a href=\"https:\/\/wa.me\/34622497615\" target=\"_blank\" rel=\"noreferrer noopener\">+34 622 497 615<\/a><\/li>\n\n\n\n<li><strong>LinkedIn: <\/strong><a href=\"https:\/\/www.linkedin.com\/company\/firmalexcom\/\" target=\"_blank\" rel=\"noreferrer noopener\">FIRMALEX.com<\/a><\/li>\n\n\n\n<li><strong>Facebook: <\/strong><a href=\"https:\/\/www.facebook.com\/FIRMALEXcom\" target=\"_blank\" rel=\"noreferrer noopener\">@FIRMALEXcom<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Guide Index 1. The Spanish Real Estate Context: Dynamics and Key Factors The real estate market in Spain is cyclical and highly dynamic, with a high percentage of home ownership among residents (close to 80%). Since 2016, prices have shown constant growth, although factors such as inflation and the rise of the Euribor have influenced [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to buy a house in Spain \u25b7 FIRMALEX<\/title>\n<meta name=\"description\" content=\"Deposit contract, real estate sale contract, notarial deed, sales taxes, property registration... Free consultation. 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