Frequently Asked Questions

View the frequently asked questions

On this page you will find all frequently asked questions about real estate on the Costa del Sol and about Turnkey del Sol. If your question is not answered, please contact us.

Our legal guide describes step by step what to do if you want to would like to buy a house in Spain.
If you decide to apply for a mortgage in Spain, I will help you find the bank and product that best suits your needs. The maximum amount of the mortgage is usually 70% for foreigners, but can also vary depending on the bank and your income situation. The bank will send an appraiser to the property and request the following documents from you: a copy of your passport, a copy of your resident proof (NIE), your home address, marital status, your payroll and property/debts in your country of residence.
Together with a lawyer, I continuously monitor the progress of your purchase. I will ensure that, as soon as the housing documentation has been reviewed by a lawyer, the deed is signed. I will keep you informed of every step and development of the process.
It is very common to give your attorney a power of attorney so that he can sign the deed on your behalf.
If you go back home and then decide to bid on a property you’ve seen, I can make the offer for you. Once the offer has been accepted and the booking fee (usually approximately €3,300) has been paid to take the property off the market, I will contact the lawyer and provide him/her with all the documentation to start the purchase process.
Once you have signed the documents for the property and paid the reservation amount, this is considered an official act to purchase the property. In principle, the reservation amount will not be refunded unless otherwise stated in the contract or if there are legal reasons for not continuing the purchase process. It is extremely important that you are absolutely sure that you want to buy the property and that you do not feel pressured to sign the deposit document.
That depends on you, the seller, the necessary documentation and the lawyer. On average you should count between 3 weeks to 3 months.
To apply for a bank account in Spain you normally need to be on site in person to identify yourself. In my cooperation with various parties I have built up reliable relationships, which makes it possible to open your bank account from the Netherlands. It is important that you meet the bank in advance (for example during a viewing in Spain) and that you sign a document before starting any application. At this time you are not tied to anything yet. If you decide to buy the house later when you are back in the Netherlands, the process to applying for the bank account can be started. As a result, you do not have to come all the way to Spain to only open the bank account.
You will receive the keys after signing the notarial deed and after checking that full payment has been made. At that moment you are the proud new owner of the house!
Responsibility for home insurance and, if applicable, home contents insurance begins on the day of the transfer of ownership in the notary’s office. The home must therefore be insured from the day of the transfer. If you have engaged a lawyer, he or she can do this for you.
Is it necessary to make a will in Spain?
The lawyer makes the will at the time of purchase. It is customary to sign this on the same day before signing the deed of sale at the notary.

It is not mandatory to hire a lawyer when purchasing your home. However, I recommend that you do so. In Spain, the lawyer conducts an initial investigation before a house can pass, in the Netherlands this is only done by the notary. The lawyer can also do more for you, such as:

  • Guidance applying for a NIE number and opening a Spanish bank account;
  • Legal matters regarding purchase; (checking documents, deeds, bills, permits, certificates, consulting registers, etc.)
  • Communication with seller/project developer;
  • Completing the necessary documents and taking care of the taxes that are directly related to the purchase of your home;
  • Supervising payment transactions;
  • Checking mortgage property, charges and/or attachments;
  • The registration of the deed of sale of the house at the Spanish register;
  • Communication with notary and bank;
  • Assistance with taking out insurance and utilities

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