{"id":47384,"date":"2025-09-22T23:19:08","date_gmt":"2025-09-22T21:19:08","guid":{"rendered":"https:\/\/realtyspain.es\/?p=47384"},"modified":"2025-11-24T16:21:34","modified_gmt":"2025-11-24T14:21:34","slug":"proceso-compra-vivienda-espana","status":"publish","type":"post","link":"https:\/\/realtyspain.es\/en\/proceso-compra-vivienda-espana\/","title":{"rendered":"Step-by-step guide to the home-buying process in Spain"},"content":{"rendered":"<h2 class=\"wp-block-heading\"><strong>Why is it important to understand the real estate buying process?<\/strong><\/h2>\n\n\n\n<p>Buying a home is one of the most important financial decisions in a person\u2019s life. In Spain, although the process is safe and well-regulated, there are multiple legal, financial, and administrative steps that can be overwhelming if not fully understood. Knowing each step helps avoid costly mistakes, speeds up the process, and provides greater confidence at every stage.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Initial documentation for buying a house in Spain<\/strong><\/h2>\n\n\n\n<p>Before starting your property search, it\u2019s essential to have certain basic documents ready, especially if you are a foreigner.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>DNI or NIE (Foreigner Identification Number)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Spanish citizens:<\/strong> Only the DNI is required.<br><\/li>\n\n\n\n<li><strong>Foreigners:<\/strong> You must obtain a <strong>NIE (Foreigner Identification Number)<\/strong>It is mandatory for any economic or legal transaction in Spain.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bank account in Spain<\/strong><\/h3>\n\n\n\n<p>To facilitate payments, fund transfers, mortgage processing, and direct debits for services, it is advisable to open a bank account with a Spanish financial institution.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Proof of income and financial situation<\/strong><\/h3>\n\n\n\n<p>Whether you buy with a mortgage or not, it\u2019s advisable to have the following ready:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Income tax returns<br><\/li>\n\n\n\n<li>Bank statements<br><\/li>\n\n\n\n<li>Employment contracts or income certificates<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Searching for and choosing the right property<\/strong><\/h2>\n\n\n\n<p>One of the most exciting stages of the process is finding the ideal home. Today, this can be done either in person or entirely online.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Real estate portals and agencies<\/strong><\/h3>\n\n\n\n<p>Platforms such as <strong>idealista<\/strong>, <strong>Fotocasa<\/strong>, <strong>Kyero<\/strong> o <strong>Habitaclia<\/strong> They offer thousands of options. You can also work with a real estate agency that acts as an intermediary and assists you during the negotiation process.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>In-person or virtual visits<\/strong><\/h3>\n\n\n\n<p>Whenever possible, it\u2019s best to visit the properties in person. However, 3D virtual tours are also helpful if you are buying from abroad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Basic property checks<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Condition of the property (renovations, installations)<br><\/li>\n\n\n\n<li>Homeowners\u2019 association (community of neighbors)<br><\/li>\n\n\n\n<li>Maintenance expenses<br><\/li>\n\n\n\n<li>Energy certificate<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Make a purchase offer and negotiate the price<\/strong><\/h2>\n\n\n\n<p>Once the property has been selected, a <strong>Formal purchase offer<\/strong>It can be negotiated, and if accepted, the next step is the deposit contract (\u201ccontrato de arras\u201d).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Signing of the deposit agreement (reservation contract)<\/strong><\/h2>\n\n\n\n<p>This private contract ensures that the buyer reserves the property and the seller cannot sell it to another party.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What does it include?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Agreed price<br><\/li>\n\n\n\n<li>Deadline for signing the deed<br><\/li>\n\n\n\n<li>Cancellation conditions<br><\/li>\n\n\n\n<li>Penalties for breach of contract<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cantidad a pagar y condiciones<\/strong><\/h3>\n\n\n\n<p>It is usually paid between <strong>5% y 10%<\/strong> Of the total price as a deposit. If the buyer withdraws without cause, they lose the deposit. If the seller defaults, they must return double the amount.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Legal review of the property<\/strong><\/h2>\n\n\n\n<p>Before proceeding further, the legal status of the property must be verified.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Property registry status<\/strong><\/h3>\n\n\n\n<p>Request a <strong>Land Registry extract (\u201cnota simple\u201d)<\/strong> In the Land Registry to confirm who the legal owner is<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Liens, debts, or encumbrances<\/strong><\/h3>\n\n\n\n<p>Aseg\u00farate de que la propiedad est\u00e9 libre de hipotecas, deudas de comunidad o embargos judiciales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Verificaci\u00f3n de licencias y uso legal<\/strong><\/h3>\n\n\n\n<p>Especialmente importante en propiedades rurales o con reformas: verifica si todo est\u00e1 legalizado.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Solicitar financiaci\u00f3n e hipoteca (si aplica)<\/strong><\/h2>\n\n\n\n<p>Si no cuentas con el 100% del precio, puedes solicitar una hipoteca en un banco espa\u00f1ol.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Condiciones para residentes y no residentes<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Residentes: financiaci\u00f3n hasta el <strong>80%<\/strong>.<br><\/li>\n\n\n\n<li>No residentes: hasta el <strong>60-70%<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Proceso de tasaci\u00f3n<\/strong><\/h3>\n\n\n\n<p>El banco ordena una <strong>tasaci\u00f3n oficial<\/strong>, que determinar\u00e1 el valor m\u00e1ximo que puede financiar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Aprobaci\u00f3n y firma de la hipoteca<\/strong><\/h3>\n\n\n\n<p>Una vez aprobada, se firma ante notario el <strong>pr\u00e9stamo hipotecario<\/strong>, habitualmente el mismo d\u00eda que la compraventa.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Firma de la escritura p\u00fablica ante notario<\/strong><\/h2>\n\n\n\n<p>La compraventa se formaliza ante notario mediante la <strong>escritura p\u00fablica de compraventa<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Documentos necesarios el d\u00eda de la firma<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DNI\/NIE<br><\/li>\n\n\n\n<li>Contrato de arras<br><\/li>\n\n\n\n<li>Comprobantes de pagos previos<br><\/li>\n\n\n\n<li>Cheques o transferencias<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rol del notario<\/strong><\/h3>\n\n\n\n<p>El notario da fe p\u00fablica del acto, verifica la legalidad y garantiza que ambas partes comprenden el contrato.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Registro de la propiedad a tu nombre<\/strong><\/h2>\n\n\n\n<p>Despu\u00e9s de firmar, la escritura se presenta en el <strong>Registro de la Propiedad<\/strong> correspondiente. Solo entonces se formaliza legalmente el cambio de titularidad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Coste y tiempo del registro<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Suele tardar entre 2 y 4 semanas.<br><\/li>\n\n\n\n<li>Coste: entre <strong>400 \u20ac y 1.000 \u20ac<\/strong>, seg\u00fan el valor del inmueble.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pago de impuestos y gastos asociados<\/strong><\/h2>\n\n\n\n<p>Adem\u00e1s del precio del inmueble, hay varios gastos adicionales que debes conocer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>IVA vs ITP<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Obra nueva:<\/strong> paga <strong>IVA (10%)<\/strong> + <strong>AJD (1%-1,5%)<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Segunda mano:<\/strong> paga <strong>ITP (6%-10%)<\/strong>, dependiendo de la comunidad aut\u00f3noma<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Impuesto de Actos Jur\u00eddicos Documentados (AJD)<\/strong><\/h3>\n\n\n\n<p>Aplica en obra nueva. El porcentaje var\u00eda seg\u00fan la regi\u00f3n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Notar\u00eda, registro, gestor\u00eda<\/strong><\/h3>\n\n\n\n<p>Gastos totales aproximados: entre <strong>10% y 13%<\/strong> del valor del inmueble.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Checklist completa del proceso de compra<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Paso<\/strong><\/td><td><strong>Acci\u00f3n<\/strong><\/td><\/tr><tr><td><img decoding=\"async\" src=\"blob:https:\/\/realtyspain.es\/65a5de0c-c5d8-45c3-8d66-24156a5be917\" width=\"17.599999999999998px\" height=\"17.599999999999998px\" alt=\"desmarcada\"><\/td><td>Obtener NIE (si aplica)<\/td><\/tr><tr><td><img decoding=\"async\" src=\"blob:https:\/\/realtyspain.es\/6189676d-ddaa-4686-af62-171dc866450e\" width=\"17.599999999999998px\" height=\"17.599999999999998px\" alt=\"desmarcada\"><\/td><td>Abrir cuenta bancaria<\/td><\/tr><tr><td><img decoding=\"async\" src=\"blob:https:\/\/realtyspain.es\/731f4e96-7d8b-4847-a4e7-0d4fd6f835fb\" width=\"17.599999999999998px\" height=\"17.599999999999998px\" alt=\"desmarcada\"><\/td><td>Buscar propiedad<\/td><\/tr><tr><td><img decoding=\"async\" src=\"blob:https:\/\/realtyspain.es\/f0c4cb3b-708f-401c-b71a-cfeb12cbd0e4\" width=\"17.599999999999998px\" height=\"17.599999999999998px\" alt=\"desmarcada\"><\/td><td>Hacer oferta y negociar<\/td><\/tr><tr><td><img decoding=\"async\" src=\"blob:https:\/\/realtyspain.es\/2c2e8083-595e-4a4e-b2f6-f32246d0f202\" width=\"17.599999999999998px\" height=\"17.599999999999998px\" alt=\"desmarcada\"><\/td><td>Firmar contrato de arras<\/td><\/tr><tr><td><img decoding=\"async\" src=\"blob:https:\/\/realtyspain.es\/06467c9b-a71d-4926-9cbd-ed6f1af3d371\" width=\"17.599999999999998px\" height=\"17.599999999999998px\" alt=\"desmarcada\"><\/td><td>Solicitar hipoteca (si es necesario)<\/td><\/tr><tr><td><img decoding=\"async\" src=\"blob:https:\/\/realtyspain.es\/8fb646bd-e8e9-4f50-aeda-d45786188722\" width=\"17.599999999999998px\" height=\"17.599999999999998px\" alt=\"desmarcada\"><\/td><td>Firmar escritura ante notario<\/td><\/tr><tr><td><img decoding=\"async\" src=\"blob:https:\/\/realtyspain.es\/d117e02d-81f5-4746-a3f2-f760a0df175e\" width=\"17.599999999999998px\" height=\"17.599999999999998px\" alt=\"desmarcada\"><\/td><td>Pagar impuestos y gastos<\/td><\/tr><tr><td><img decoding=\"async\" src=\"blob:https:\/\/realtyspain.es\/3623785d-da21-483a-a132-ab3f4f4220a1\" width=\"17.599999999999998px\" height=\"17.599999999999998px\" alt=\"desmarcada\"><\/td><td>Registrar propiedad<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Errores comunes y c\u00f3mo evitarlos al comprar vivienda en Espa\u00f1a<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No contratar un abogado inmobiliario<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>No revisar cargas o deudas ocultas<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Firmar sin entender el contrato<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>No calcular bien los gastos totales<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Comprar sin NIE o cuenta bancaria<\/strong><strong><br><\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntas frecuentes sobre el proceso de compra en Espa\u00f1a<\/strong><\/h2>\n\n\n\n<p><strong>1. \u00bfPuedo comprar casa en Espa\u00f1a siendo extranjero?<\/strong><strong><br><\/strong> S\u00ed, no hay restricciones para ciudadanos extranjeros.<\/p>\n\n\n\n<p><strong>2. \u00bfNecesito residencia para comprar?<\/strong><strong><br><\/strong> No. Incluso sin residencia puedes comprar y alquilar legalmente.<\/p>\n\n\n\n<p><strong>3. \u00bfCu\u00e1nto se paga de entrada en una compra?<\/strong><strong><br><\/strong> Entre el 5% y 10% como se\u00f1al con el contrato de arras.<\/p>\n\n\n\n<p><strong>4. \u00bfCu\u00e1nto tiempo tarda todo el proceso?<\/strong><strong><br><\/strong> Entre <strong>1 y 3 meses<\/strong>, dependiendo del tipo de compra y financiaci\u00f3n.<\/p>\n\n\n\n<p><strong>5. \u00bfEs obligatorio comprar con hipoteca?<\/strong><strong><br><\/strong> No. Si tienes fondos suficientes, puedes pagar al contado.<\/p>\n\n\n\n<p><strong>6. \u00bfQu\u00e9 pasa si una vivienda tiene deudas?<\/strong><strong><br><\/strong> El nuevo comprador puede heredar esas deudas si no se detectan antes. Por eso es clave hacer revisi\u00f3n legal.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusi\u00f3n: Comprar casa en Espa\u00f1a con seguridad y confianza<\/strong><\/h2>\n\n\n\n<p>Comprar vivienda en Espa\u00f1a en 2025 sigue siendo una decisi\u00f3n rentable y segura si se hace con la informaci\u00f3n adecuada. Siguiendo cada paso correctamente, apoy\u00e1ndote en profesionales y revisando bien la documentaci\u00f3n, podr\u00e1s convertirte en propietario sin complicaciones.<\/p>\n\n\n\n<p><strong>Te podr\u00eda interesar:\u00a0<\/strong><a href=\"https:\/\/realtyspain.es\/en\/goldenvisaespanapropiedad\/\" target=\"_blank\" rel=\"noreferrer noopener\">C\u00f3mo obtener la Golden Visa comprando una propiedad<\/a><br><a href=\"https:\/\/realtyspain.es\/en\/guiacomprarcasacostablanca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gu\u00eda definitiva para comprar casa en la Costa Blanca 2025<\/a><br><a href=\"https:\/\/realtyspain.es\/en\/hipotecanoresidenteespana\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hipotecas para no residentes en Espa\u00f1a: requisitos y bancos<\/a><br><a href=\"https:\/\/realtyspain.es\/en\/https-realtyspain-es-impuestosgastoscompravalencia\/\" target=\"_blank\" rel=\"noreferrer noopener\">Impuestos y gastos al comprar vivienda en la Comunidad Valenciana<\/a><br><a href=\"https:\/\/realtyspain.es\/en\/checklistinspeccionvivienda\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lista de verificaci\u00f3n para inspeccionar tu vivienda antes de firmar<\/a><br><a href=\"https:\/\/realtyspain.es\/en\/obra-nueva-vs-segunda-mano-ventajas-y-retos\/\" target=\"_blank\" rel=\"noreferrer noopener\">Obra nueva vs segunda mano: ventajas y retos<\/a><br><a href=\"https:\/\/realtyspain.es\/en\/proceso-compra-vivienda-espana\/\" target=\"_blank\" rel=\"noreferrer noopener\">Step-by-step guide to the home-buying process in Spain<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfPor qu\u00e9 es importante conocer el proceso de compra inmobiliaria? Comprar una vivienda es una de las decisiones financieras m\u00e1s relevantes en la vida de cualquier persona. En Espa\u00f1a, aunque el proceso es seguro y est\u00e1 bien regulado, existen m\u00faltiples pasos legales, financieros y administrativos que pueden resultar abrumadores si no se entienden bien. Conocer [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":47378,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[130],"tags":[],"class_list":["post-47384","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/posts\/47384","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/comments?post=47384"}],"version-history":[{"count":2,"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/posts\/47384\/revisions"}],"predecessor-version":[{"id":47428,"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/posts\/47384\/revisions\/47428"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/media\/47378"}],"wp:attachment":[{"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/media?parent=47384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/categories?post=47384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realtyspain.es\/en\/wp-json\/wp\/v2\/tags?post=47384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}