Documents needed when buying a house in Spain

The documents required when buying a property in Spain are the basis for a safe and legal transaction. Every buyer, regardless of citizenship, must obtain a tax identification number NIE, have a valid identity document and a bank account with a Spanish bank if they need to finance the purchase (if the investor buys the property with cash, they do not need to open a bank account). These items enable the notarization of the contract, payment and registration of the property with the authorities. Carefully prepared documentation guarantees a smooth purchase and avoids delays and unnecessary costs.

Table of Contents:

• What documents are needed to buy a house in Spain? A step-by-step guide for buyers
• Do I need a Spanish bank account to buy a property in Spain?
• What does it take to buy a house in Spain? Reservation agreements and a notarial deed
• Comprehensive Home in Spain support for property purchase on the Costa Blanca
• A safe path to your own home in Spain with Home in Spain

What documents are needed to buy a house in Spain? A step-by-step guide for buyers

The purchase of a property in Spain requires the prior preparation of complete documentation thatallows the transaction to be carried out in accordance with Spanish law. The absence of any of the necessary documents can cause delays or prevent the finalization of the deal. Wondering if you can buy a house in Spain without having a NIE number? Without this tax ID, it is impossible to make a purchase, open a bank account or sign a notarial deed.

What needs to be prepared before the deed?

• Foreigner Identification Number (NIE) – required for any real estate transaction. Allows registration of the purchase, payment of taxes and notary fees. Home in Spain helps you obtain an NIE without having to appear in person at the office, thanks to a notarized power of attorney.
• A valid identity document – passport, which must be presented at the bank, notary and tax office. The document should be up-to-date and consistent with the data used in the purchase process.
• Confirmation of the establishment of an account in a Spanish bank (if he needs financing for the purchase) – useful for making payments and collecting bills related to the property. This account receives the funds needed to pay the purchase price, taxes and maintenance costs.
• Documentation confirming the source of funds – the bank may ask you to provide a certificate of earnings, account statements or tax documents confirming the legitimacy of your income.
• Reservation or preliminary agreement – specifies the terms of the transaction and the timing of the notarial deed, providing security for both parties.

A set of documents must be submitted at the time of signing the notarial deed. With the support of Home in Spain, the entire preparation process goes smoothly and without formal errors, allowing clients to focus on choosing their dream property on the Costa Blanca.

Do I need a Spanish bank account to buy a property in Spain?

The process of buying a property in Spain requires some mandatory paperwork. If you are applying for purchase financing, one of the key elements is to have an account with a local bank. Such an account also allows automatic payments for taxes, electricity, water and other services.If you are considering what it takes to buy a house in Spain on credit, it is worth knowing that to open an account you will need a NIE number and a valid identity document.

Having an account is also a condition for applying for a mortgage, where the bank may require additional income certificates, credit history or translated tax documents. Home in Spain assists clients in selecting favorable financing, as well as in preparing the required documents, so that the process goes smoothly and without unnecessary complications. With a local account, you will avoid late payments and high currency conversion costs.

What does it take to buy a house in Spain? Reservation agreements and a notarial deed

The process of buying a property in Spain takes place in several stages, and one of the most important is the signing of a reservation contract, known as a “contrato de reserva.” Such a document confirms the desire to buy and reserves the selected property for the buyer. Usually a deposit of about €10,000 + IVA (VAT) is paid. If the buyer cancels, the amount paid is forfeited, while if the seller cancels the contract, he is obliged to return twice the deposit paid. In this way, both parties have a guarantee of the seriousness of the agreement reached and a clear deadline for finalizing the transaction.

The “contrato de reserva” is followed by the signing of the main purchase contract, or “contrato de compraventa.” This document contains the full terms of the transaction, the payment schedule and all the information about the property. Most often, it is signed within a month of booking, which allows you to quietly prepare the documents and finalize the purchase.

At the final stage, a notarized deed is signed, transferring ownership of the property. The document is drawn up in Spanish, so it is advisable to have a translator or a lawyer familiar with local regulations present. At Home in Spain, we translate this for our clients, so they save on the presence of a translator. The notary oversees the regularity of the transaction, and payment for the property is made at the time the deed is signed (by check or a few days before the deed by bank transfer). On that day, the buyer must present the documents required when buying a property in Spain, namely the NIE number, a valid identity document and proof of a bank account in Spain (if financing the purchase with a loan).

Buying a property also involves additional costs. For the primary market, there is a VAT (IVA) of 10% of the property’s value, while when buying from the secondary market, there is an ITP tax, ranging from 6% to 10% depending on the region. On top of that, there are notary costs, registration fees and an AJD of 3%. Home in Spain assists clients in calculating the total costs, advises on the most favorable moment to sign the deed, and ensures that the transaction goes through safely, transparently and in accordance with applicable laws.

Comprehensive Home in Spain support for property purchase on the Costa Blanca

You already know how to complete the documents required when buying a property in Spain and what is needed to make the whole process smooth and safe. Home in Spain supports clients at every stage of the purchase, offering comprehensive service and access to the best offers on the market. We provide full support in Polish – from counseling and presentation of the property, through assistance with formalities, up to the signing of the notarial deed. The agency assists in obtaining financing, NIE number and opening an account in a Spanish bank when applying for a loan, eliminating language and legal barriers.

Clients also receive after-purchase care – including assistance with the acceptance of the property, the transcription of utilities and the reporting of any defects. Cooperation with Home in Spain takes place without commission from the buyer, which guarantees full transparency and favorable terms of purchase. Properties on the Costa Blanca are very popular among Polish buyers who are looking for a sunny place to live or a safe investment in Spain. What might interest you?

• Alicante real estate includes modern apartments and houses located near the sea, with excellent access to urban infrastructure and beaches.
• Torrevieja Real Estate offers a wide selection of new development projects in quiet neighborhoods, ideal for families and those seeking peace and comfort.
• Benidorm real estate is made up of luxury apartments and villas with panoramic views of the coast, for clients who value prestige and high standards.

A safe path to your own home in Spain with Home in Spain

Buying a property abroad requires not only proper preparation, but also the support of specialists who know the local regulations and procedures. You already know what documents you need to prepare for buying a house in Spain so that the transaction goes without complications. Of key importance are the NIE number, a valid identity document and a bank account in Spain if you plan to buy a property on credit. Home in Spain supports clients at every stage – from completing documents, to selecting a property, to signing the deed. Thanks to our experience and local presence, you are assured that the purchase of your dream house or apartment on the Costa Blanca will go quickly, safely and without stress.