Buy a house in Spain

If you are a foreigner, looking to buy any kind of real estate in Spain, it is necessary that you sort out some bureaucracy before being able to buy real estate, and let me tell you that it will all be worth it in the end. Knowing what to expect when buying a property in Spain will help you avoid all the pitfalls of building a life abroad. Whether you are looking for a property on the coast or in a big city like Marbella, Madrid or Barcelona, ​​this guide is for you.

To buy a house in Spain there are several things you need to be sure of. What are the following action points?

Homeownership in Spain

Spain has a high rate of homeownership, with around 80% of residents owning their property instead of renting it, many of them without a mortgage.

Spain was hit hard by the global financial crisis and the ensuing housing market crash. Property prices have fallen by as much as 30%, but the market has stabilized in recent years.

Prices in Spain have been rising steadily since 2016, and although the COVID-19 pandemic has affected the market in 2020, official figures show average prices grew during the second quarter of the year. Sale prices increased by 2.1% year-on-year, with new-build prices rising by 4.2% and second-hand homes increasing by 1.8%.

Understandably, the number of home sales dropped significantly. Government statistics show that international buyers buy around 18,000 to 25,000 homes in Spain each quarter per year. However, in the second quarter of 2020, that number fell below 10,000.

Best places to buy a property in Spain

Almost prepared to begin your property search? Here is some objective motivation, in view of the most famous spots to purchase property in Spain among EU expats:


Both the district and city of Alicante are massively well known with UK and worldwide expats, on account of sandy sea shores, palm-tree lined roads, conventional Spanish impacts and wonderful warm environment.

Costa del Sol

It's not difficult to see the reason why such countless Brits rush to the Costa del Sol, both for occasions and to migrate. The Southern coast gets undeniably more daylight hours than the UK, alongside wonderful sea shores, shining waters and staggering Andalusian scenes.


The Valencia district is an appealing spot for UK expats, and the actual city is additionally an incredible spot for Brits to purchase property. In the cooler north of Spain, you'll track down current design, a rich social scene and probably the best paella in the country.


This party city has been famous with British holidaymakers and retired folks for a really long time, on account of its sandy sea shores, incredible vehicle associations and wide scope of shops, bars and eateries. There are tranquil spots in Benidorm as well, in the event that you know where to look.


Frequently ignored for more touristy Spanish areas of interest, Murcia offers great incentive for cash with regards to property costs. It's inland and brilliantly provincial, and is known for its incredible tapas.


This previous fishing town in the Costa Blanca is turning out to be progressively well known with British expats, yet it's a genuine mixture of ethnicities. Near significant air terminals and with a shocking shore, Torrevieja could be definitely worth exploring as a spot to purchase property.


Purchase a home in the cosmopolitan Spanish capital and you can anticipate an energetic, occupied air, alongside rich design, marvelous food, an extraordinary public vehicle framework and a global expat local area. Be that as it may, Madrid can be an expensive spot to purchase property.


This super in vogue city in Catalonia is overflowing with culture, food and nightlife, yet residing in the core of the activity accompanies a cost - as it's one of the most costly places in Spain to purchase property.


To begin with, there must be a relationship of trust between you and the contact person. Whether it is an estate agent or notary, if these people do not exude confidence, it is advisable not to do business with the relevant party. The real estate agencies ConnectHouses works with are trusted partners.

Buying a cheap house

Many cheap houses in Spain often make it financially within reach. Suppose you are looking for a penthouse in Spain. The search for a penthouse in Spain can start in northern Spain, but end in southern Spain. This is quite possible due to the diverse range of offers on ConnectHouses. Buying a cheap house in Spain is something that many are looking for. Therefore, there is a large supply of cheap houses in Spain for sale. It is therefore wise to map out the wishes before the search.

Are there any requirements to buy a house in Spain?

The only thing (legally) required when buying any property in Spain as a foreigner is a NIE (Número de Identificación del extranjero). This number is unique to everyone and is essential for any transaction in Spain. Since it must appear on all documents you sign or issue in Spain, you must have it before signing any contract. Getting a NIE isn’t complicated, but it does take a long time; ask your real estate agent to help you get your NIE as quickly as possible to expedite the process.

Also, while it is not mandatory, having a bank account in Spain will make all the paperwork easier as it will speed up payments and may save you some commissions.

Finally, keep in mind that once you own property in Spain, you must appoint a tax representative if you are not a Spanish resident.

Frequently asked questions when buying a house in Spain as a foreigner.

Are foreigners allowed to buy any kind of property in Spain?

Yes! There are no restrictions when it comes to buying property in Spain, whether it’s for commercial, residential or land purposes. Spain even encourages investment foreigners, both resident and non-resident. When buying a house worth more than € 500.000,- you can apply for a Golden Visa.

What are the expected taxes I need to pay when buying a house in Spain?

There are three different kind of taxes all property owners are required to pay each year. If you are a resident, you are subject to Income Tax (including Capital Gains Tax) and Real Estate Tax (IBI). If you are a non-resident in Spain, you are subject to Income Tax (including Capital Gains Tax), Property Tax, plus an additional Non-resident Property Tax.





Can I get citizenship if I buy a property in Spain?

Yes! As mentioned above; Spain encourages new home buyers by offering its Golden Visa residency program. But only when you buy a house worth over € 500.000,-.

Buy a house in Spain: deposits and mortgages.

In general, everyone can enjoy the same mortgage conditions, resident, or non-resident. At this day the mortgages cover up to 80% when buying your first house, and between 60 and 70% when it’s your second house.

This means that you must pay approximately 20% up front and approximately 15% of the extra costs, taxes, lawyer’s fees, notary fees etc.

Another important thing to mention is that mortgages in Spain are normally taken out for a minimum of 6 years and a maximum of 30 years, with the maximum age of 75 years for completing the mortgage.

Emigrating to Spain

Emigrating to Spain is something that is happening more often. Motivating factors are the pleasant climate, laws and regulations, and opportunities in the field of real estate. Emigrating to Spain is something that requires a lot of preparation. Of course, before emigrating to Spain, you need housing (rental or buying a home). Some of our agencies provide assistance in emigrating to Spain.

The pleasant climate in Spain means that many people emigrate to Spain from different countries. People also often go for a second home; this gives them the opportunity to spend their holidays in their favorite country.

There are different types of properties for sale; you can think of a villa in Spain, apartment in Spain or building plot in Spain.

Buying a holiday home

Buying a house in Spain is something that requires preparation. Many people think that buying a house in Spain is the same as buying a house in the Netherlands, however, there are some differences.

Many estate agents have estates, bungalows, detached or semi-detached houses for sale or rent in Spain, so take your time to find out more about a particular holiday home in Spain and a reliable estate agent.

The search term 'buy holiday home Spain' is often the beginning of the search, often after the purchase of the holiday home in Spain the search term has changed considerably. Our advice is also to look at several different options within different areas.

Homes for sale

Whether you are planning to buy an apartment in Spain, planning to buy a villa in Spain, or simply want to buy a cottage in Spain, the basics start with confidence. Especially when it comes to a house for sale in Spain, there are some things that need to be right.

The choice is huge when you want to buy a vacation home in Spain. We often get requests with the title: buy vacation home Spain. But this is one of the broadest terms we know. Our goal is to provide our visitors with as concrete an offer as possible. Buying a vacation home in Spain is not a challenge. Buying the right vacation home in Spain is the challenge in which ConnectHouses is happy to support. A vacation home for sale in Spain is something that should be viewed with care, so take your time and let the contact person inform you well.

Real estate

Whether the subject is real estate in Spain or property in Spain, the best place to start is with real estate agents. They are always up to date when it comes to real estate for sale in Spain. Real estate in Spain always remains something that requires expert knowledge to operate. Not only estate agents but also notaries public can often provide you with answers in the field of real estate in Spain.

Often there are houses for sale in Spain that deal with outside the regular market. Often when it comes to buying a house in Spain a network may need to be called in. "Buying a house in Spain" is a term we often hear in the corridors here.

In Spain, there are properties for sale that are hardly or not at all on the Dutch market. Buying a hotelbusiness properties or land in Spain can therefore be divided into these 5 main categories. This makes a search many times more specific. Houses for sale in Spain may mean that your wishes are not yet entirely concrete. Then we advise you to use our filters on the offer page to search step by step.

The best places to visit in Spain

Spain is the perfect destination for people looking for a sunny European trip and, while the best-known spots are popular for a reason, it’s also full of hidden gems. ConnectHouses has rounded up the best of both, from buzzing cities to quaint mountain villages. Here are the different places that will get you dreaming of a Spanish adventure.


Tenerife is the largest of the seven Spanish Canary Islands off the west coast of Africa, might bring to mind package holidays and beaches, but there is actually so much more to see here. Away from the coast and the tourist hotspots the landscape is otherworldly, with volcanic peaks – Mount Teide is the highest peak in Spain – where you can explore the craters and ancient lava flows. Tenerife is the perfect spot for both an active and relaxing holiday.


Sun, sea and towering rocky peaks make Alicante a premier coastal destination. Many foreign tourists fly into the airport and head straight down the coast to the resort town - but they miss out, because Alicante is well worth exploring. The port city has a lively beach with the Benacantil hills as a backdrop; the Santa Barbara Castle, built in the 9th century, sits on top. Stroll along the marina in the evening before heading to the tapas bars in the old town.


The country's second largest city continues to attract tourists with its charming Mediterranean location, renowned architecture, and cosmopolitan ambience. Marvel at Gaudi’s architecture at Sagrada Familia and Park Güell - be sure to check out some of his lesser-known works, such as Casa Batllo. Head to Mount Tibidabo for stunning views of the city and the sea beyond. Roller coaster fans can visit Tibidabo Amusement Park, which opened in 1905. The mountain is also a great place for biking or hiking.

The Spanish Pyrenees

Whether you enjoy hiking, skiing or quaint mountain villages, the Spanish Pyrenees are the ideal destination for you. Half-timbered houses and hearty local cuisine are offered, while Spanish ski resorts are a great alternative to busier and more expensive resorts in the Alps.

San Sebastian

This exquisite city, on the coast in the Basque Country, is an absolute necessity for foodies. The pintxo - a Basque variant of tapas that normally incorporates tasty pieces adjusted on dry bread - is the neighborhood gastronomic calling card, and the bars of the Old Town spread theirs out on the bar best so you can see everything on offer. Concha Beach is a lovely, shell-molded inlet famous with families, while the close by Zurriola Beach is extraordinary for surfing.


Seville, the capital of Andalusia in southern Spain, is popular for the flamenco culture. Take in a show in one of the private little flamenco bars to completely see the value in this energetic, sensational, and melancholic fine art. Investigate nearby history with an excursion to the Real Alcázar, a very much saved illustration of Mudéjar engineering that has been added to by Spanish leaders throughout the long term. You ought to likewise take in the advanced design at the Metropol Parasol, an immense, wooden construction that acquires genuinely necessary shade the mid-year.


Where better than the origin of paella to test the most well known dish to come from Spain? Go to a beachside eatery for lunch - Spaniards tend not to have paella at supper as it's a seriously weighty feast - and wash it down with agua de Valencia, an intense cava-based mixed drink. Investigate Valencia old town and don't miss the amazing, spaceship-like Valencia City of Arts and Sciences. it's a modern complex in what the future held holds an aquarium, Imax film, drama house and science historical center.


The Spanish capital is an incredible objective for an end of the week break. The brilliant triangle of craftsmanship displays holds probably the most popular works in Europe, from Picasso's Guernica to Velázquez's Las Meninas. The city is home to the Royal Palace, the biggest in Europe as far as floor region, and everywhere you can find holy places, shops and bars. La Latina is home to the best tapas bars around and is an extraordinary spot for a tapas creep.


At the point when you consider Spain, you probably consider dry scenes and sea shores on the Med, yet the northwest area of Galicia resembles Ireland - it's green and wet. The Celtic feel doesn't end with rich scenes either, since Galicia is brimming with fantasies and legends. For instance, the Romans believed the western Cape Finisterre bluffs to be the apocalypse. Investigate the more stunning compasses by visiting the Cies Islands, an archipelago and nature hold that is important for the Atlantic Islands of Galicia National Park.


The third biggest island of the Balearic Islands, Ibiza is situated off the east shore of Spain, encompassed by the shining waters of the Mediterranean. While it is well known for its beating nightlife and summer club scene which draw in widely acclaimed DJs to its shores, the island really has numerous other various sides.

Very rough and tough, Ibiza is lined by delightful bayous and seashores; this, combined with its warm, radiant, and dry environment, makes it an incredible ocean side occasion objective. The biggest city on the island, Ibiza Town flaunts a superb walled old town roosted on of a slope sitting above the ocean.

While you can absolutely track down loosening up rustic retreats and languid, shoreline towns on the island, many individuals visit Ibiza for its extraordinary party scene and invigorating electronic dance sets. In summer, its hurling clubs stay open during that time until sunrise, when the sun at long last ascents over the ocean.

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