{"id":9368,"date":"2025-08-10T15:51:57","date_gmt":"2025-08-10T15:51:57","guid":{"rendered":"https:\/\/novekinnisvara.ee\/?page_id=9368"},"modified":"2026-06-13T22:42:00","modified_gmt":"2026-06-13T19:42:00","slug":"kinnisvara-ostmine-hispaanias","status":"publish","type":"page","link":"https:\/\/novekinnisvara.ee\/en\/kinnisvara-hispaanias\/kinnisvara-ostmine-hispaanias\/","title":{"rendered":"Kinnisvara ostmine Hispaanias detailne kirjeldus"},"content":{"rendered":"
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Buying Property in Spain\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Buying Property in Spain: Legal and Financial Aspects<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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The process of buying property in Spain differs from what people are used to
in Estonia and many other countries.
Below are the main legal requirements and additional costs to take into account.<\/p>


<\/p>\n

\n<\/p>

    \n
  1. \n

    NIE Number (Foreigner Identification Number)<\/h3>\n<\/li>\n<\/ol>\n

    To acquire property in Spain, you need an NIE number (N\u00famero de Identificaci\u00f3n de Extranjero),
    which is the tax identification number for foreigners. <\/p>\n

    With this number, you can:<\/p>\n

      \n
    • Open a bank account in Spain<\/li>\n
    • Sign the notarial deed of sale (escritura p\u00fablica)<\/li>\n<\/ul>\n

               You can apply for an NIE:<\/p>\n

        \n
      • At a Spanish police station<\/li>\n
      • At a Spanish embassy or consulate in your home country<\/li>\n
      • Through an authorized representative with a power of attorney<\/li>\n<\/ul>\n

        The processing time depends on the region in Spain.<\/p>


        <\/p>\n

        \n<\/p>

        Costs in Addition to the Purchase Price<\/h3>\n

        Lisaks ostuhinnale \u2013 mis on tavaliselt ostja ja m\u00fc\u00fcja vahel kokku lepitud \u2013 tuleb ostjal arvestada
        t\u00e4iendavate kuludega umbes 10\u201315% ulatuses. Nende hulka kuuluvad:<\/p>\n

          \n
        • Transfer tax (for resale properties)<\/li>\n
        • VAT and stamp duty (for new properties)<\/li>\n
        • Notary and land registry fees<\/li>\n
        • Legal service fees<\/li>\n
        • Mortgage arrangement fees (if financing is used)<\/li>\n<\/ul>\n

          Important: Spain consists of 17 autonomous regions and more than 8,000 municipalities,
          so taxes and fees may vary depending on the location. For accurate information, it is advisable to consult the local
          authorities or a qualified legal advisor.<\/p>


          <\/p>\n

          \n<\/p>

          3. Detailed Overview of Taxes and Fees<\/h3>\n
            \n
          • Transfer Tax (Impuesto de Transmisiones Patrimoniales \u2013 ITP):
            Applicable when purchasing a resale property, typically ranging from 7\u201311% of the purchase price,
            depending on the region.<\/li>\n
          • VAT and stamp duty (for new properties)
            For new builds, 10% VAT applies.<\/li>\n
          • Stamp Duty (Actos Jur\u00eddicos Documentados \u2013 AJD):\nPaid together with VAT when purchasing new properties; usually around 1.5%.<\/li>\n
          • State-regulated fees that generally range between \u20ac500\u2013\u20ac2,000, depending on the property\u2019s value and location.<\/li>\n
          • Legal Fees:\nUsually around 1% + VAT of the purchase price, but may vary based on the complexity of the contract and the chosen lawyer.<\/li>\n
          • Mortgage Arrangement Fees:\nSpanish banks typically charge about 1% of the mortgage amount for setting up a loan.<\/li>\n
          • Property Tax (Impuesto sobre Bienes Inmuebles \u2013 IBI):\nAn annual local municipal tax ranging from 0.5\u20131.2% of the cadastral value. This applies even if the owner is not a Spanish resident.<\/li>\n
          • Utility Connection Fees:\nUpon property transfer, there are often costs for re-registering or reconnecting utilities such as electricity, water, sewage, and gas.                <\/li>\n<\/ul>\n

            4. How the Property Purchase Process Works in Spain<\/h3>\n

            Buying property in Spain is a structured process involving several legal and financial steps.
            Below is a step-by-step overview of what a buyer should know and be
            prepared for.<\/p>\n

            1. Reservation Agreement
            Once the buyer, seller, and real estate agent have reached an agreement,
            a Reservation Agreement is signed, which includes:<\/p>\n

              \n
            • \n
                \n
              • \n
                  \n
                • The agreed purchase price<\/li>\n
                • The expected handover date of the property
                  At this stage, the buyer pays a reservation fee, usually ranging between \u20ac6,000 and \u20ac20,000.
                  This amount ensures that the property is taken off the market.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                  2. Private Purchase Contract (Contrato de Compraventa)
                  When the private purchase contract is signed, the buyer pays a deposit\u2014usually 10%
                  of the purchase price\u2014minus the previously paid reservation fee.
                  The contract specifies:<\/p>\n

                    \n
                  • \n
                      \n
                    • \n
                        \n
                      • The payment schedule<\/li>\n
                      • Deadlines<\/li>\n
                      • All agreed terms and conditions<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                        3. Additional Costs
                        In addition to the purchase price, the buyer should budget for approximately 10\u201315% in additional costs, which include:<\/p>\n

                          \n
                        • \n
                            \n
                          • \n
                              \n
                            • Transfer Tax for resale properties (7\u201311%)<\/li>\n
                            • VAT (10%) and Stamp Duty (approx. 1.5%) for new properties<\/li>\n
                            • Notary and Land Registry fees (\u20ac500\u2013\u20ac2,000)<\/li>\n
                            • Legal fees (around 1% + VAT)<\/li>\n
                            • Mortgage arrangement fee if financing is used (about 1% of the loan amount)
                              These costs can vary depending on the region and whether the property is new
                              or resale.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                              4. NIE Number (N\u00famero de Identificaci\u00f3n de Extranjero)
                              To own property in Spain, a foreign buyer must obtain an NIE number,
                              which is a tax identification number. This is required for:<\/p>\n

                                \n
                              • \n
                                  \n
                                • \n
                                    \n
                                  • Opening a bank account in Spain<\/li>\n
                                  • Signing the notarised purchase deed
                                    You can apply for an NIE:<\/li>\n
                                  • At a Spanish police station<\/li>\n
                                  • At a Spanish embassy or consulate in your home country<\/li>\n
                                  • Through an authorized representative with a power of attorney
                                    The usual processing time is 4 to 6 weeks, depending on the region.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                                    5. Notar (Notario P\u00fablico)<\/h3>\n

                                    The notary is a government-appointed legal official whose role is to:<\/p>\n

                                      \n
                                    • \n
                                        \n
                                      • Verify the identity of all parties involved<\/li>\n
                                      • Confirm that the seller has the legal right to sell the property<\/li>\n
                                      • Ensure that all payments comply with Spanish law<\/li>\n
                                      • Check whether the property has any debts or encumbrances<\/li>\n
                                      • Koostada ostu-m\u00fc\u00fcgitehingu akt (escritura p\u00fablica), mis esitatakse kinnistusraamatule.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                                        Important: The notary does not inspect the physical condition of the property.<\/p>


                                        <\/p>\n

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                                        \n<\/p>

                                        6. Ostja kohustus kinnisvara \u00fcle vaadata<\/h3>\n

                                        Under Spanish law, resale property is sold \u201cas is\u201d.
                                        It is the buyer\u2019s responsibility to inspect the property before signing the contract.
                                        Any necessary repairs or special conditions should be included in the contract.
                                        We recommend using an independent technical architect \u2014 we can recommend
                                        reliable specialists if needed.<\/p>


                                        <\/p>

                                        7. Omandi\u00f5iguse registreerimine<\/h3>\n

                                        Once the purchase deed is signed before the notary and all taxes and fees are paid,
                                        it is submitted to the Land Registry (Registro de la Propiedad). Registration usually takes 2\u20133 months.
                                        After registration, the buyer receives:<\/p>\n

                                          \n
                                        • \n
                                            \n
                                          • The original deed<\/li>\n
                                          • An official ownership certificate<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                                            This guide explains the key steps, costs, and legal obligations involved in buying property in Spain.
                                            We recommend engaging a professional lawyer to ensure the transaction is carried out smoothly and securely.
                                            If you do not already have one, we can assist you in finding a trusted legal representative.<\/p>\n

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                                            Interested in property in Spain?\nLeave your contact details, and we\u2019ll get in touch.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                                            Kinnisvara ostmine hispaanias Kinnisvara ostmine Hispaanias: juriidilised ja rahalised aspektid Kinnisvara ostmise protsess Hispaanias erineb mitmes m\u00f5ttes sellest, millega ollakse harjunudteistes riikides. Allpool on v\u00e4lja toodud peamised juriidilised n\u00f5uded ja lisakulud, millega tulebarvestada. NIE number (v\u00e4lismaalase isikukood) Kinnisvara omandamiseks Hispaanias on vajalik NIE number (N\u00famero de Identificaci\u00f3n deExtranjero), mis on v\u00e4lismaalase maksukohuslase number.  Selle numbriga […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":7022,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","_thinkrank_schema_form_data":"","_thinkrank_selected_schema_type":"","_thinkrank_additional_schemas":"","_thinkrank_canonical_url":"","_thinkrank_og_title":"","_thinkrank_og_description":"","_thinkrank_og_image":"","_thinkrank_twitter_title":"","_thinkrank_twitter_description":"","_thinkrank_twitter_image":"","_thinkrank_imported_from":"aioseo","_thinkrank_focus_keywords":[],"_thinkrank_focus_keyword":"","_thinkrank_robots_meta_enabled":0,"_thinkrank_robots_meta":"","_thinkrank_advanced_robots_meta":"","_thinkrank_primary_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-9368","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t