Find the home that fits your lifestyle.

Yes — if you’re well-prepared, buying a home in Spain can be a smart decision.

It offers a fantastic climate, lower property prices than in the Netherlands or other European countries, and good potential for value appreciation. Plus, you can rent it out for additional income.

However, there are important considerations, such as taxes, maintenance, and rental regulations. That’s why having a reliable partner to guide you through the process is essential.

Prime Estate specializes in full-service support — from start to finish. We help you safely and smoothly purchase your dream home in Spain, working with trustworthy promotors, legal experts, and local professionals to make your investment worry-free and smart.

Yes, absolutely.

There are no restrictions for foreigners to purchase real estate in Spain. However, there are a few essential steps to follow:

1. Apply for an NIE number – This is a tax identification number required for the purchase.
2. Open a Spanish bank account – Makes it easier to manage payments and recurring expenses.
3. Legal check of the property – A Spanish lawyer ensures the property is debt-free and legally compliant.
4. Sign a preliminary purchase agreement and pay a deposit – Usually 10% of the purchase price.
5. Complete the purchase at the notary’s office – The notary prepares the official deed and registers the property in your name.

With the right guidance, buying a house in Spain is relatively straightforward.

Prime Estate assists you every step of the way — from the first viewing to the legal formalities — so you can purchase your dream home with confidence.

You can apply for a mortgage through a Spanish bank or a bank in your country of residence can offer international financing.

Key Steps:

1. Choose a bank – Spanish banks like Sabadell, CaixaBank, and BBVA offer mortgages for non-residents.
2. Determine your loan amount – Banks usually finance 60–70% of the purchase price. You’ll need to cover the rest yourself.
3. Gather required documents – Such as passport, NIE number, payslips, tax returns, and bank statements.
4. Receive a mortgage offer – The bank will assess your income, debts, and creditworthiness.
5. Get the property appraised – A certified Spanish appraiser determines the property value.
6. Sign the mortgage deed – This is done at the notary’s office alongside the purchase deed.

Securing a mortgage in Spain can be complex without the right support.

Prime Estate works with trusted mortgage advisors and banks to help you find the best financing options and handle everything smoothly.

The total cost includes the purchase price plus additional fees. Here’s a breakdown:

1. Personal Contribution (Minimum 30–40%)

• Spanish banks finance up to 60–70% of the property value.
• You’ll need 30–40% of the purchase price in personal funds.

2. Additional Costs (10–15% of the purchase price)

These include:

✅ Property transfer tax (6–10%, depending on the region)

✅ Notary & registration fees (€1,000 – €3,000)

✅ Legal fees (€1,500 – €3,000 – highly recommended for legal security)

✅ Mortgage costs (if applicable, approx. 1–2% of the loan)

Example (Property price: €250,000):

• Personal contribution (30%) → €75,000
• Additional costs (10%) → €25,000➡️ Total needed in personal funds: approx. €100,000

Want a customized estimate? Prime Estate provides personalized financial planning and helps you find the right mortgage.

The price of a villa in Spain varies depending on the region, size, and location. Here are some averages:

1. Popular Coastal Areas

• Costa Blanca (Alicante, Benidorm, Torrevieja): €300,000 – €700,000
• Costa del Sol (Marbella, Málaga, Estepona): €800,000 – €3,500,000
• Mallorca & Ibiza: From €800,000 to several million

2. Urban Areas

• Barcelona & Madrid: €600,000 – €2,000,000 (for luxury villas)
• Valencia: €300,000 – €1,000,000

3. Inland & Less Touristy Areas

• Murcia, Almería, Extremadura: €250,000 – €600,000

Additional Costs

Don’t forget to add 10–15% in taxes and legal fees.

Want to buy a villa in Spain? Prime Estate helps you find the best deals and ensures a secure purchase.

Apartment prices vary depending on location, size, and proximity to the beach or city center. Here’s an overview:

1. Popular Coastal Areas

• Costa Blanca (Alicante, Torrevieja, Benidorm): €180,000 – €350,000
• Costa del Sol (Marbella, Málaga, Estepona): €300,000 – €800,000
• Mallorca & Ibiza: From €350,000, luxury apartments from €800,000

2. Major Cities

• Barcelona & Madrid: €250,000 – €1,000,000 (depending on the neighborhood)
• Valencia: €180,000 – €500,000

3. Inland & Quieter Regions

• Murcia, Almería, Extremadura: €150,000 – €300,000

Additional Costs

Expect to pay 10–15% extra in transfer tax, notary, and legal fees.

Looking to buy an apartment in Spain? Prime Estate helps you find the best options and ensures a safe investment.

Yes, you can — but it comes with regulations and licensing requirements depending on the region.

1. Do You Need a Rental License?

✅ Yes, in most regions.

Rules vary by city and autonomous region. In popular areas like Costa Blanca, Costa del Sol, Barcelona, and the Balearic Islands, a tourist rental license (licencia turística) is often required.

2. How to Apply for a License:

• Register your property with the local government
• Meet minimum standards (e.g., air conditioning, first aid kit)
• Some cities have strict rules or rental restrictions (e.g., Barcelona)

3. Taxes & Rental Costs:

• Non-resident tax: 19% on rental income (for EU citizens)
• Municipal taxes & community fees (for apartments)
• Optional: Management fees if you use a rental agency

4. Is Tourist Rental Profitable?

Yes!

In popular regions, a well-rented apartment or villa can yield 5–10% annual return.

Want to rent out hassle-free? Prime Estate helps with license applications and can connect you with reliable rental managers to make your property safe and profitable.