{"id":25986204,"date":"2025-10-21T12:15:09","date_gmt":"2025-10-21T12:15:09","guid":{"rendered":"https:\/\/bostello.com\/?p=25981573"},"modified":"2025-10-21T15:47:57","modified_gmt":"2025-10-21T15:47:57","slug":"how-to-buy-a-property-in-spain-as-an-international-buyer-the-2025-complete-guide","status":"publish","type":"post","link":"https:\/\/bostello.com\/pl\/guides\/zakup-nieruchomosci-w-hiszpanii\/how-to-buy-a-property-in-spain-as-an-international-buyer-the-2025-complete-guide\/","title":{"rendered":"Jak kupi\u0107 nieruchomo\u015b\u0107 w Hiszpanii jako kupuj\u0105cy mi\u0119dzynarodowy: Kompletny przewodnik na 2025 rok"},"content":{"rendered":"\n<p><strong>Thinking about buying a holiday home, a retirement retreat, or an investment property in sunny Spain?<\/strong> You\u2019re not alone. Spain remains one of the most attractive destinations for property buyers from across the EU thanks to its golden beaches, excellent infrastructure, and high quality of life.<\/p>\n\n\n\n<p>As of 2025, the buying process is straightforward for EU citizens, but it still involves important legal steps and financial planning. Here\u2019s the definitive guide to buying property in Spain in 2025 \u2014 accurate, up-to-date, and based on trustworthy sources.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Can EU Citizens Buy Property in Spain?<\/strong><\/h2>\n\n\n\n<p>Yes! EU citizens can purchase property in Spain without restrictions. You have the same property rights as Spanish nationals. The process is safe and highly regulated, provided you follow the correct legal steps.<\/p>\n\n\n\n<p>\ud83d\udc49<a href=\"http:\/\/www.exteriores.gob.es\/\"> Source: Spanish Ministry of Foreign Affairs<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step-by-Step Guide to Buying a Property in Spain<\/strong><\/h2>\n\n\n\n<p><strong>Find you property<\/strong><\/p>\n\n\n\n<p>The easiest way to start your property journey in Spain is with a trusted partner. At <strong><a href=\"https:\/\/bostello.com\/properties\/\">Bostello<\/a><\/strong>, we work closely with reputable local real estate agencies to offer a wide range of apartments, villas, townhouses, and investment properties along Spain\u2019s most popular coasts.<\/p>\n\n\n\n<p>Our platform allows you to browse handpicked listings in Costa Blanca, Costa del Sol, and beyond.<\/p>\n\n\n\n<p>\ud83d\udc49 <strong>Start browsing your dream home now on <a href=\"https:\/\/bostello.com\/properties\/\">Bostello Property Listings<\/a><\/strong><\/p>\n\n\n\n<p><strong>1. Get Your NIE Number<\/strong><\/p>\n\n\n\n<p>You must obtain an <strong>NIE (N\u00famero de Identificaci\u00f3n de Extranjero)<\/strong> \u2014 a personal identification and tax number for foreigners. You can apply at a police station in Spain or through a Spanish consulate in your home country.<\/p>\n\n\n\n<p><strong>2. Open a Spanish Bank Account<\/strong><\/p>\n\n\n\n<p>Although not mandatory, most payments (including taxes) must be made from a Spanish account.<\/p>\n\n\n\n<p><strong>3. Reserve Your Property<\/strong><\/p>\n\n\n\n<p>Once you find the right property, sign a <strong>reservation agreement<\/strong> and pay a small deposit to secure it (typically \u20ac3,000 to \u20ac12,000).<\/p>\n\n\n\n<p><strong>4. Legal Due Diligence<\/strong><\/p>\n\n\n\n<p>Hire an independent Spanish lawyer to check the land registry, debts, and licenses.<\/p>\n\n\n\n<p><strong>5. Sign the Private Purchase Contract<\/strong><\/p>\n\n\n\n<p>A <strong>contrato de arras<\/strong> will lock in the deal and typically requires a 10% deposit.<\/p>\n\n\n\n<p><strong>6. Complete the Sale at the Notary<\/strong><\/p>\n\n\n\n<p>Sign the <strong>escritura p\u00fablica<\/strong> at a Spanish notary office, transfer the remaining funds, and receive your title deed.<\/p>\n\n\n\n<p><strong>7. Register Your Property<\/strong><\/p>\n\n\n\n<p>The final step is registering your property at the <strong>Registro de la Propiedad<\/strong> (Land Registry).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Taxes and Fees You Should Know<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Resale Properties<\/strong>: Transfer Tax (<strong>ITP<\/strong>) of 6\u201310% (varies by region)<br><\/li>\n\n\n\n<li><strong>New Properties<\/strong>: VAT (<strong>IVA<\/strong>) of 10% + Stamp Duty (<strong>AJD<\/strong>) of approx. 1.5%<br><\/li>\n\n\n\n<li><strong>Notary + Registry Fees<\/strong>: Usually 1\u20132.5% of the property price<br><\/li>\n\n\n\n<li><strong>Lawyer fees<\/strong>: Around 1%\u20132% of the property price<\/li>\n<\/ul>\n\n\n\n<p><strong>Total additional purchase costs: Approx. 10%\u201315% of purchase price.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Can International Buyers Get a Mortgage?<\/strong><\/h2>\n\n\n\n<p><strong>Yes<\/strong>. Spanish banks offer mortgages to EU residents, typically covering up to <strong>70% of the property\u2019s value<\/strong>. <\/p>\n\n\n\n<p><strong>You\u2019ll need:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Passport<br><\/li>\n\n\n\n<li>NIE<br\/><\/li>\n\n\n\n<li>Proof of income<br><\/li>\n\n\n\n<li>Bank statements<br><\/li>\n\n\n\n<li>Credit report<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What\u2019s Changed in 2025?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Golden Visa Ending<\/strong>: Spain has announced the end of the Golden Visa programme for non-EU nationals in 2025.<a href=\"https:\/\/apnews.com\/article\/bac46b236f0b151e1a38671191edcfc8?utm_source=chatgpt.com\"><br><\/a><\/li>\n\n\n\n<li><strong>New Proposals for Non-EU Buyers<\/strong>: A potential 100% tax on property purchases by non-EU investors was discussed in 2025 (still under review).<br><\/li>\n\n\n\n<li><strong>No Changes for EU Buyers<\/strong>: EU citizens continue to enjoy full property rights without extra restrictions.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Ongoing Obligations<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>IBI (Property Tax)<\/strong>: Annual local tax<br><\/li>\n\n\n\n<li><strong>IRNR (Non-Resident Income Tax)<\/strong>: If renting out your property or for deemed income<br><\/li>\n\n\n\n<li><strong>Community Fees<\/strong>: If your property belongs to a complex<br><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49<a href=\"https:\/\/www.hacienda.gob.es\/\"> Official municipal taxation info: Spanish Ministry of Finance<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do EU Buyers Need a Visa to Live in Spain?<\/strong><\/h2>\n\n\n\n<p><strong>No<\/strong>, EU citizens have the right to live and work in Spain. If staying over 90 days, you must register as a resident locally.<br>\ud83d\udc49<a href=\"https:\/\/ec.europa.eu\/immigration\/general-information\/eu-citizens_en\"> Residency info: EU Immigration Portal<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Thoughts<\/strong><\/h2>\n\n\n\n<p>Spain remains one of the safest and most attractive places for EU citizens to buy property. It offers incredible lifestyle benefits and stable legal protections. Always work with independent legal and financial professionals, and use only licensed real estate agents.<\/p>\n\n\n\n<p><strong>Ready to start your journey?<\/strong> Explore our <a href=\"https:\/\/bostello.com\/guides\/area-guides\/costa-blanca-area-guide\/\">Costa Blanca Area Guide<\/a> and <a href=\"https:\/\/bostello.com\/guides\/area-guides\/costa-del-sol-area-guide\/\">Costa del Sol Area Guide <\/a>to find your perfect place in the sun.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thinking about buying a holiday home, a retirement retreat, or an investment property in sunny Spain? You\u2019re not alone. Spain remains one of the most attractive destinations for property buyers from across the EU thanks to its golden beaches, excellent infrastructure, and high quality of life. As of 2025, the buying process is straightforward for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[113],"tags":[],"class_list":["post-25986204","post","type-post","status-publish","format-standard","hentry","category-zakup-nieruchomosci-w-hiszpanii"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jak kupi\u0107 nieruchomo\u015b\u0107 w Hiszpanii jako kupuj\u0105cy mi\u0119dzynarodowy: Kompletny przewodnik na 2025 rok - Bostello<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bostello.com\/pl\/guides\/zakup-nieruchomosci-w-hiszpanii\/how-to-buy-a-property-in-spain-as-an-international-buyer-the-2025-complete-guide\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak kupi\u0107 nieruchomo\u015b\u0107 w Hiszpanii jako kupuj\u0105cy mi\u0119dzynarodowy: Kompletny przewodnik na 2025 rok - Bostello\" \/>\n<meta property=\"og:description\" content=\"Thinking about buying a holiday home, a retirement retreat, or an investment property in sunny Spain? 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