Purchase Guide

Buying a home in Spain can be complex for people who do not live in our country. This is due to the differences in terms of laws, taxes and processes that it is necessary to go through, which may differ from those of your country of origin. For this reason, we have developed this guide in which we will explain the key points when facing a real estate purchase in Spain. Do not hesitate to come to us if you have any doubts.

These are the main steps:

1. Take your budget into account
Value the money you have and to what extent you can comfortably assume the monthly payment of a mortgage. Remember, also, to add an extra for the expenses derived from the purchase.

2. Financing
If you are going to need a mortgage, you should find out about the conditions offered by your bank and check that you can assume it. Take into account both the amount and the amortization payments.

3. Get in touch with one of our sales agents
We want to know which properties interest you and your financial situation.

4. Visit the properties
Our agents will agree with you the dates for the visit of the properties that are of interest to you. Once carried out, you can choose the perfect home for you.

5. Confirmation by the bank of the mortgage authorization
Once chosen, and before advancing the money, check that your bank has authorized the mortgage since, in Spain, banks must know all the information about the property before approving it.

6. Signature of the deposit contract
This consists of the delivery of an amount of money as a signal, to confirm the commitment to purchase the house. There are confirmatory deposits, which oblige the fulfillments of the contract, and penitential ones, which cause an economic penalty to those who breach the contract.

7. Signature of the public deed of sale
This document only needs to be signed if there is a mortgage. The purpose is to provide legal security for the sale.

8. Payment of taxes and expenses derived from the processing of the purchase
Once the purchase is made, the taxes and expenses derived from the purchase are paid, such as those of a notary’s office or those related to the registration in the property registry.

Choosing your new home

We will do our best to help you find the home of your dreams, no matter what type of property it is or its value. We want the buying process to be as comfortable and enjoyable as possible, and all of our agents will take care of it. At Nohara Estates we not only list our properties, but we also include those of other colleagues, covering as much of the market as possible. This means that you do not have to communicate with several agents, with just one it will be enough to find the house that meets all your needs.


In line with the first and second steps mentioned above, our clients must anticipate how they will finance the purchase. By knowing this information, you will be able to formulate a budget, which will facilitate the search. Our agents will offer services in this regard as recommendations regarding banking options and legal representation.

Buy a property for resale

These types of properties are characterized by not being new construction, but have already had previous owners. All relevant data will be provided for your sale. The buyer must inspect the property and, through his legal representative, will ensure that the purchase is made safely and with all the guarantees.


The most important in Spain is the Value Added Tax, which this year represents 10%, with the exception of the Canary Islands, where it is 6.5%.
To this tax must be added the tax on documented legal acts (IAJD), paid by the buyer, its amount depends on the Autonomous Community.

Please visit Nohara Estates local offices’ websites in Spain to find out the exact tax amount for the respective community.


Spanish law does not require the drafting of a will derived from a transfer of assets, although it is recommended. According to our laws, when an owner dies without leaving a will, a series of rules of priority are established to designate an heir. The real estate is not kept by the State.

Delivery of the house

On the day of delivery, both buyer and seller will meet with their respective legal representatives to review the property and sign the contract.
Once signed, CONGRATULATIONS! You are the owner of the house.

Nohara Estates Spain Purchase Guide 1
Nohara Estates Spain Purchase Guide 2
Nohara Estates Spain Purchase Guide 3