A home in the sun - guide to
buying a house in Spain - all you need to know about the Spanish house-buying
process
Find your new home in Spain - Finca, townhouse or
villa
Buying Property in Spain - Things to
Consider
by:
Allison
Thompson
So you have now made the decision to buy a
property in Spain, whether as a permanent residence or as a holiday home. You
will find below a number of points that you will need to consider and think
about prior to buying a property in Spain.
Firstly, I would suggest that you go on to the
internet and see what the various agents advertising property for sale in Spain
have to offer. You will find that many of these companies are run by people who
are already living in Spain and will know the many problems and pitfalls that
arise when buying a property in Spain.
The next point you will need to consider is
where you want to live? Are you someone who prefers to be in the heart of
things, say living in a town (urbanization), or are you someone who would prefer
privacy and tranquillity, therefore you may decide to buy a property in the
country (campo) you may even wish to look at property in the mountains, or by
the lakes or on the Coast. If you decide that you want everything close at hand
to you, then it may best be if you look at properties in a Town or on the Coast
especially if you require medical facilities close at hand.
You next step should be what sort of property
you would like to purchase? Do you want to buy an apartment, townhouse, villa,
finca (country house with land) or a property that needs some work doing to it.
However, what you must remember is your budget (how much you are willing to
spend on the property of your dreams in Spain).
You have now made the decision on where you
want to live and what sort of property you want to buy. So now you need to start
contacting the agents, both those on the internet and those who are located in
the town close to where you wish to live. These people will not only provide you
with the details of properties they feel would be of interest to you, but they
should be able to help you with arranging contact with solicitors, banks (if you
may need a mortgage to purchase the property), schools, and medical facilities
in that area.
Please note that if you should need to arrange
a loan with a Spanish bank you will need to hold an account with them prior to
the purchase of the property.
Another important piece of documentation that
you will require to enable you to purchase a property in Spain is your NIE
number (similar to UK National Insurance Number). To obtain one of these you
will need to arrange a visit to the local police in the nearest town to where
you are purchasing your property (such as Malaga, Marbella, Seville etc).
However, if you are not able to do this in person, a solicitor in Spain can
arrange this for you (but you will be charged for this approximately €50), but
doing it yourself will cost nothing. It should however be noted that it can take
between 1 to 6 weeks before you receive this number.
Now you have found the property of your dreams
and want to purchase it, here are some things you need to take into
consideration:-
1. Ask the agent who is selling the property if
the person/owner of the property you wish to purchase has the right to sell it
and if so can they produce the papers (escretera) confirming this. If you find
that no such document is available, then ask if they will be drawn up before the
sale. Should you be informed that this will not happen then do not proceed with
the sale.
2. Next ask the agent to confirm that the
property being sold has been provided with all the correct planning permissions
by the Local Town Hall. If these cannot be provided then it may be worth
contacting the Town Hall direct to see if they can confirm that the property has
been built legally and if they cannot then I would consider very seriously not
proceeding with the purchase. At present the Government in Spain is now starting
to enforce the laws regarding illegal builds and this has sometimes resulted in
properties being demolished and large fines incurred by the developers.
However, please note, that this sort of problem
is only a minor one, and as long as you find yourself a reputable agent to help
you in your task of finding the property of your dreams then these above
problems should be of no consequence to you.
I hope that you have found the information to
be of use to you in your quest to find the property of your dreams in Spain, but
should you require any further information please contact us at
http://www.inlandpropertyservices.com.
Anysubject has Spanish tutors throughout the UK and beyond. We also offer contact
with these tutors via our excellent online service.
If you would like to see our prices
for tuition in Spanish - please click here.
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