Clear answers for informed property decisions
Key questions and practical explanations to help you understand the buying process in Catalonia with clarity and confidence.
Support, method and decision
What exactly does a buyer agent do?
A buyer agent represents only the buyer.
They provide market analysis, identify risks, and lead the negotiation from an informed position, protecting the buyer’s interests until the final decision.
Can I work with a buyer agent if I already found a property?
Yes. In this case, the focus is on:
Post-visit analysis
Document review
Negotiation
Support until signing
The search and selection phase is not repeated.
When does it make sense to involve BuyerSide?
When you want to make a property decision with clarity, clear criteria, and confidence, especially in a new environment or when multiple variables are involved.
BuyerSide provides structure and support throughout the process, from initial definition to final purchase.
General context and buying decision
Can foreigners buy property in Spain?
Yes. There are no restrictions for foreign citizens to purchase property, whether residents or non-residents.
It is a common and well-established process, especially in internationally demanded areas such as Catalonia.
Do I need residency in Spain to buy?
No. Residency is not required to purchase a property.
However, you do need a NIE (Foreigner Identification Number), which is essential for legal and tax procedures.
What are the additional costs besides the purchase price?
As a general guideline, additional costs usually range between 10% and 13% of the purchase price, depending on the type of property.
These costs include taxes, notary fees, land registry fees, and professional services.
How long does the buying process take?
From having a clear decision to signing at the notary, the process usually takes between 6 and 10 weeks, provided that all documentation is in order.
Is it a good time to buy in Catalonia?
Catalonia maintains stable demand, particularly in established areas such as Sitges and the Garraf region.
The key is to buy with well-defined criteria aligned with personal or long-term objectives.
Legality, security and documentation
How can I check if a property has legal issues or liens?
Through a “nota simple” from the Property Registry, which shows ownership, existing mortgages, and possible encumbrances.
What documents are important before buying?
Relevant documents include:
Property registry note
Energy efficiency certificate
Community statutes
Recent expense receipts
A structured review of this documentation provides clarity and helps avoid unexpected issues.
What is a deposit contract (“contrato de arras”)?
It is a private agreement used to reserve the property while preparing the final sale.
Typically, 10% of the purchase price is paid, and conditions and deadlines are clearly defined.
Is the process in Catalonia different from other regions in Spain?
The legal framework is the same throughout Spain.
However, Catalonia has specific administrative and urban planning aspects that are important to understand in order to make informed decisions.
What if I discover a problem after signing?
A thorough review before committing significantly reduces this risk.
Legal and technical aspects are analysed in advance to avoid issues after completion.
Financing, taxes and analysis
Can foreigners get a mortgage in Spain?
Yes. Banks usually finance between 60% and 70% of the property value for non-residents, and up to 80% for residents, depending on the profile and the bank.
What taxes do I need to pay as a buyer?
Second-hand property: ITP (10% in Catalonia)
New build: VAT (10%) plus AJD
Ongoing costs: IBI (property tax) and community fees
Does buying to live in the property or as an investment change the approach?
Yes. Criteria vary depending on the objective, such as personal use, long-term stability, future liquidity, or investment strategy.
Defining this early helps avoid contradictory decisions.
How can I evaluate if the price is aligned with the market?
Comparing online listings is not sufficient.
Actual transactions, property condition, micro-location, potential, and overall context must be analysed to obtain a realistic view of value.