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Legal services for purchasing property in Spain

Thanks to its cooperation with the renowned Sun Lawyers law firm, GoSpain offers its clients comprehensive legal services in the field of purchasing property in Spain from the primary market. We help investors from Poland to purchase property in accordance with the regulations in force in Spain.

Free legal services package for clients of the GoSpain real estate agency.

Information about legal services

Our estate agency works with the reputable law firm Sun Lawyers, established in 1985. The firm specialises in, among other things, Spanish property law, i.e. all activities related to the purchase of real estate.

The law firm provides support in many languages, including Polish. When you work with us, we will pay for the services of our lawyers.

If you are planning to purchase property in Spain, we always recommend seeking legal advice from a reputable law firm. Both Spanish law and the property purchase process in Spain differ from what we are familiar with in Poland.

Other services offered by the Law Firm as part of the package

Review and translation of the developer's documentation and building permit.

The law firm will check all permits for you, including building permits and approvals from the city council, and translate these documents.

Assistance in obtaining an N.I.E. number

The N.I.E. number (foreigners' tax identification number) is necessary for dealing with official and legal matters in Spain.

Notarial Deed

We will review the Notarial Deed that you will sign when finalising the purchase of the property.

How does a power of attorney facilitate the purchase of property in Spain?

A power of attorney is a huge help in organising the purchase of property and all the formalities in Spain. It allows a solicitor to legally and responsibly manage your tax obligations and related matters. The power of attorney contains general powers that allow the solicitor to carry out all procedures beyond the signing of the Notarial Deed.

List of procedures that can be performed on behalf of the client under a broad power of attorney.

  • Submitting an application for an N.I.E. number
  • Signing a contract with an energy or water supply company
  • Acting as a tax representative before the Tax Office
  • Setting up standing orders for bill payments
  • Obtaining licences, etc.
Other services provided by the law firm

At Sun Lawyers, we advise our clients to sign a power of attorney before completing the purchase process to avoid delays in the event that the buyer is unable to attend the signing of the deed. A power of attorney facilitates the entire purchase process, making it run smoothly and without additional stress.

How to grant power of attorney?

A power of attorney may be granted in any form, either in writing or orally. Clients purchasing property in Spain are most often interested in a notarial power of attorney (poder notarial), which must be granted by a notary public. This procedure can be carried out by both Spanish and Polish notaries. We recommend granting a notarial power of attorney in Spain. In practice, it happens that powers of attorney granted in Poland are not honoured by Spanish authorities and institutions.

What services can you use at the Law Office?

  • Opening a bank account
  • Submitting an application and obtaining an N.I.E. number - Foreigner Identification Number
  • Management, preparation and translation of powers of attorney
  • Managing the sales contract to ensure its legality
  • Verification of documentation provided by the construction company to ensure compliance with legal standards
  • Application for bank guarantees or a special account to secure the amounts paid towards the price of the house
  • Verification of all debts or encumbrances on the property in the Land Registry, local treasury and owners' association (if established) to guarantee the security of the transaction.
  • Checking the situation and solvency of a construction company
  • Monitoring compliance with deadlines set out in the purchase agreement
  • Coordination with the notary public when signing the deed and managing the entry in the land and mortgage register
  • Registration of deliveries with the appropriate payment order if the construction company does not offer this service
  • Registration of ownership with the Municipal Treasury for the purpose of paying local taxes (property tax)
  • Registration of ownership with the Property Management Board in order to carry out procedures and pay the relevant community fees (if there is a community).

What is it and how do I obtain an N.I.E. number?

Every person wishing to purchase property in Spain is required to obtain an N.I.E. number, which allows EU residents to be identified both during the purchase process and in relation to their subsequent tax obligations. It is also necessary to have a Spanish bank account. Payment for the property is usually made by bank cheque upon signing the contract.

N.I.E. number (Número de Identificación de Extranjero) is a Spanish identification number for foreigners which serves as a tax identification number for people from outside Spain. It is essential for dealing with official and legal matters in Spain, such as buying property, a car or a yacht, opening a bank account, signing a contract with utility providers or paying taxes.

To obtain an N.I.E. number, you must go to the nearest police station (Policía Nacional) or the Spanish Immigration Office. You must submit the appropriate application form, provide a photograph and a copy of your passport or other identity document, and show your original identity document and document the purpose of obtaining the number, e.g. by presenting a reservation agreement for the purchase of real estate. Alternatively, you can submit your application for an N.I.E. number at the Consulate of the Kingdom of Spain in Warsaw.  

It is also possible to authorise a representative to submit an application on behalf of the person concerned, provided that they have the appropriate power of attorney in the form of a notarial deed.

Bank account in a Spanish bank

In order to pay the necessary taxes, bills, invoices or carry out the property purchase process, it will be necessary to have a bank account. Opening a bank account is also necessary when obtaining a mortgage in order to make regular repayments.

How to open a bank account in Spain?

We encourage you to familiarise yourself with this process, but we assist our clients with the formalities involved in opening an account with a Spanish bank. When choosing a bank, it is worth paying attention to its location to avoid difficulties associated with a long distance from the place of purchase. We encourage you to review the offers of various banks to familiarise yourself with service fees and conditions for transfers and cheques.

Mortgage loan for purchasing property in Spain

In Spain, foreigners can obtain a mortgage on the same terms as native residents. To obtain a property loan, you must submit your PIT returns for the last 2 years. You can obtain a loan if you are employed under an employment contract or run your own business, with the exception of companies on a lump sum basis.

We work with banks and credit brokers to help you obtain a mortgage. The loan amount cannot exceed 70% of the property value. Banks do not finance the 10% VAT (IVA) and notary fees, so you should be prepared to contribute approximately 45% of the purchase price. Interest rates in Spain range between 3.3 and 4%. Spanish banks have not introduced any age restrictions on mortgages.

In order to obtain a loan, you must present:

  • PIT from the last 2 years
  • Employment contract or CEIDG/KRS in the case of business activity
  • Account statements
  • BIK report
  • Personnel documents
Comparison of mortgages in Spain

It is very important that if you have loans in Poland, the monthly total instalments do not exceed 30% of your monthly income. We perform free credit scoring. If you have any questions, we offer advice in Polish.

Document translations

We cooperate with sworn translators in Spain. Their assistance is necessary when signing a notarial deed.

After-sales property management

Our office manages properties purchased by our clients. We offer assistance with short-term or long-term rentals. More information in our services section.

FAQ - Pytania i odpowiedzi

Najważniejsze pytania i odpowiedzi dotyczące obsługi prawnej w zakupie nieruchomości w Hiszpanii.

Akt Notarialny, pomoc z uzyskaniem numeru NIE, tłumaczenie dokumentów, sprawdzenie pod kątem prawnym nieruchomości w Hiszpanii.

Tak, rekomendujemy skorzystanie z usług prawnika specjalizującego się w hiszpańskim prawie majątkowym, aby upewnić się, że proces zakupu jest zgodny z przepisami prawa i zabezpieczony przed potencjalnymi problemami.

Pakiet obejmuje m.in. sprawdzenie dokumentów dewelopera, tłumaczenie aktów prawnych, pomoc w uzyskaniu numeru N.I.E. oraz weryfikację umowy sprzedaży.

Numer N.I.E. (Número de Identificación de Extranjero) to identyfikacyjny numer podatkowy dla obcokrajowców, niezbędny do załatwienia formalności prawnych i urzędowych, w tym zakupu nieruchomości.

Wniosek o numer NIE można złożyć w Konsulacie Królestwa Hiszpanii w Warszawie, na najbliższym posterunku policji w Hiszpanii lub w Urzędzie ds. Imigrantów w Hiszpanii.

Tak, można udzielić pełnomocnictwa notarialnego, które pozwala prawnikowi zarządzać procesem zakupu oraz innymi formalnościami związanymi z transakcją.

Pełnomocnictwo notarialne można uzyskać u polskiego notariusza, ale dokument musi być opatrzony Apostillą z Ministerstwa Spraw Zagranicznych oraz przetłumaczony przez tłumacza przysięgłego.

Tak, pełnomocnictwo można uzyskać w Konsulacie Hiszpanii w Polsce, a taki dokument nie wymaga tłumaczenia na język hiszpański.

Kancelaria prawna sprawdza dokumenty dewelopera, pozwolenia na budowę, zgodność z przepisami lokalnymi oraz ewentualne obciążenia finansowe na nieruchomości.

Oprócz ceny nieruchomości, należy doliczyć VAT (10%), opłaty notarialne, podatki oraz opłaty związane z rejestracją własności. Warto zabezpieczyć około 13% wartości nieruchomości na dodatkowe koszty.

Tak, obcokrajowcy mogą uzyskać kredyt hipoteczny w Hiszpanii do 70% wartości nieruchomości, jednak trzeba mieć wkład własny na VAT i koszty notarialne.

Uzyskanie numeru NIE trwa zazwyczaj do 30 dni, jednak można upoważnić pełnomocnika do złożenia wniosku w naszym imieniu.

Tak, konto bankowe w Hiszpanii jest niezbędne do zapłaty za nieruchomość, podatki oraz regulowania bieżących rachunków.

Po zakupie nieruchomości, należy opłacić podatek od nieruchomości, opłatę za wywóz śmieci oraz ewentualne opłaty wspólnotowe, jeśli istnieje wspólnota mieszkaniowa.

Tak, kancelaria zapewnia tłumaczenie wszystkich niezbędnych dokumentów na język polski.

News related to Spanish law

Our blog features a section dedicated to information about the law in Spain. Follow our blog and social media to stay up to date with changes in the law.