6 pasos para comprar una casa como extranjero en Cataluña

Buying a home in Catalunya as a Non Resident

Buying property in Catalunya as a foreigner can seem daunting, but with the right steps, it’s a smooth process. Here’s a quick guide to help you navigate through it.

You will see what you need to do both as a European citizen or non-European citizen, and as a Spanish resident or non-resident.

1. Get Your NIE: Your first step is to obtain a Número de Identificación de Extranjero (NIE). This is your identification number in Spain, necessary for any legal transaction. You can get it at an immigration office in Spain or through the Spanish consulate in your home country.

There are different types of NIEs, depending on your situation or where you’re from.

As a EU citizen, you can apply for a temporary or resident NIE, depending on whether you are planning to live in Spain or just buy a property.

As a non EU citizen, you can apply for a resident or non-resident NIE. 

2. Open a Bank Account: You’ll need a Spanish bank account for the property transaction. Choose a bank that has services for foreigners to make the process easier.

buying a property in catalunya as a non-resident

3. Pay a Deposit: If you have an real estate agent he/she will review and verify all the documentation of the property in the registry, as well as the validity of those papers.

After choosing a property, you’ll pay a deposit, usually 1% of the property price, to reserve it. This first step is not mandatory, but it ensures that  the purchase agreement is official, and therefore the seller must remove all property listings and terminate all other offers.

This leads to signing the “contrato de arras” or deposit contract, binding both parties legally.

Once paid, the seller is obliged to sell the property. If they do not sell it to you, they will have to give you back double the amount you paid (20% of the total price).

However, if you, as a buyer, do not complete the purchase, then you will lose that 10%

4. Start the Mortgage Process: If you need a mortgage, start working with a bank. As a foreigner, you can typically finance 70% of the property value, meaning you need 30% available.

5. Sign at the Notary: Once your mortgage is approved, the final step is signing the purchase agreement at the notary. The notary ensures all documents are in order: the “nota simple” confirming the property is debt-free, the habitability certificate, and the energy certificate.

esther carretero real estate cambrils personal shopper

6. Pay Taxes and Register: For properties up to 1 million euros, you’ll pay a 10% tax or VAT for new builds. You have 30 days to pay the property transfer tax.

The notary can assist with registering your new home, though you can also do this yourself.

Finally you must transfer the ownership of public utilities; such as gas, water, and electricity.

With these steps, you’re on your way to owning property in beautiful Catalunya. For more detailed information on types of “arras” contracts, check out my next post. Happy house hunting!

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Noticias Inmobiliarias- Mayo 2024

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