Investor’s Guide

Yes. Citizens of Poland and other EU countries are free to buy property in Spain—whether it’s an apartment, house, or investment unit. The key requirements include obtaining an NIE number (Número de Identificación de Extranjero) and complying with local regulations. Our legal team represents clients at every stage—without the need for them to be physically present in Spain.

The process includes:
– Obtaining the NIE number,
– Opening a Spanish bank account,
– Legal due diligence of the property,
– Signing the reservation contract (Contrato de arras),
– Finalizing the purchase at a notary’s office (Escritura pública),
– Property registration and tax settlements.
We handle every stage—comprehensively and in full compliance with Spanish law.

The NIE (Número de Identificación de Extranjero) is a mandatory identification number for foreigners involved in transactions in Spain. It is required to buy property, open a bank account, sign contracts, and pay taxes. We obtain it on the client’s behalf—quickly and legally.

Costs vary depending on the type of property:
– New build: 10% VAT (IVA) + 1.2–1.5% stamp duty (AJD),
– Resale: 8–10% transfer tax (ITP),
Additionally: notary and registration fees, insurance, community fees, and legal services.
We provide a detailed cost estimate before starting the transaction.

Yes. All formalities—from obtaining the NIE to signing the notarial deed—can be handled via power of attorney. We represent the client at government offices, banks, and with the notary. Remote property purchases in Spain are fully legal and safe.

Yes. Spanish banks offer financing to non-residents. The standard down payment is 30–40%, and loans are available for up to 20–30 years. Interest rates usually range from 2% to 4% annually. We help assess creditworthiness, prepare the required documents, and negotiate with the bank.