It can be said without exaggeration that every person, at least once, who visited one of the fabulous Mediterranean coasts of Spain, and talked with the open and cheerful inhabitants of this country, believes that he visited the real paradise on earth. Orange gardens, olive groves, solar beaches, snow -capped mountain peaks, a riot of greenery and bright colors, you can meet all this in the territory of one not so large country compared to Russia. The soft Mediterranean climate is suitable for relaxation and permanent residence, both adults and children. In recent years, the idea of buying a cottage or comfortable apartments in Spain has been visiting not only the closest European neighbors, but also Russians. After all, to have your own house or bungalow on the legendary Canary Islands or on the coasts of Costa Bravo, Costa Blanca and Costa del Sol, the cherished dream of many even the most sophisticated people among tourists. And it should be noted that this dream is not so unrealistic.
By law, not only a resident of this country, but any foreigner can acquire real estate in Spain. Unlike a number of other countries, there are no legal restrictions here. In addition, deciding to purchase a house or apartment in Spain, you can also issue a mortgage loan in almost any bank for a period of 10 to 30 years at European interest rates, which are significantly lower than Russian. On average, it is 4.25-4.75% per annum, the exact figure of which depends on the refinancing rate. To obtain a loan, it is only necessary to provide a standard package of documents confirming your solvency. If desired, in the future you can arrange a residence permit, the receipt of which has recently been greatly simplified for Russian citizens.
Which area of Spain to choose to buy your future housing?
In this case, the problem of choice is not associated with its absence, but, on the contrary, with a huge number of options, each of which has its own unique features and advantages. So, for example, if you want to buy an inexpensive house with your own pierce for a yacht or boat, then you should opt for the north of Catalonia, where small towns are literally penetrated by the network of channels connected to the sea. Unusual architecture in the so-called “golf course” style is distinguished by houses on the coast of Costa del Sol, where there are convenient golf fields, parks, gardens and small reservoirs around almost each of the houses. And if you are still more attracted to the usual city landscapes, then you have the opportunity to settle in one of the cozy quarters of Barcelona, having acquired an apartment or apartment for yourself to your taste.
What is the price of the issue?
As elsewhere, prices in Spain depend on the territorial location of your chosen house or apartment, total area, the availability of infrastructure, the quality of the finish and layout. Of course, a factor such as remoteness from the coastline cannot but play an important role here. After all, it is the sea that primarily attracts foreign buyers. Naturally, at home within the first coastline, as well as apartments in the center of large cities, will be more expensive than in more remote areas. If we talk about more specific prices, then for comparison you can purchase a cozy Townhouse on the coast of the Daurad Costa in walking distance from the sea with a total area of 90 square meters within 180 thousand euros. At the same time, a fully equipped built -in kitchen and furniture, as well as a garage and a small garden plot will include the price of the house. In walking distance from the cottage is the bus stop and supermarket. For the same price in Moscow, you can afford only a small one -room apartment in a sleeping area without any hint of built -in furniture and repair. The purchase of a private house will cost a few more. An option 500 meters from the sea in a quiet and cozy place with a total area of 206 square meters, three bedrooms, a living room, two bathrooms, a kitchen, a terrace and a garden, complete with all furniture and built-in equipment about 250-260,000 euros. That is, approximately at the price of a two -room apartment in our metropolis. So, from the above examples, it is clearly clear that you can allow myself to buy a house, a townhouse or an apartment in Spain not only top managers of large companies, but also representatives of the middle class. It all depends on your requirements for future housing and budget, which you have.
How is the procedure for buying real estate in Spain itself?
After you have chosen the most suitable property for you, an official preliminary contract of sale is drawn up, in which all the terms of the transaction are stipulated, including the procedure and conditions for payment. The next step will be to make an advance payment of 10% of the full cost of the apartment or house in order to reserve the selected object for you and remove it from the sale. After about a month and a half, the merchants are signed in the presence of a notary public, which is the official documents confirming your ownership. In the event that you purchase a house or apartment under construction in an incomplete new building, the term between the signing of a preliminary contract and the merchant can significantly increase up to a year or more. During the period of time that precedes the registration of the contract of sale, you need to transfer money to a Spanish account and resolve the issue of providing a mortgage loan if you plan to use it. As well as a mandatory requirement for foreigners buying real estate in Spain is the design of an identification number of a foreigner (NIE), which is registered in the police department specializing in work with foreigners and non -residents. The final calculations for the house you purchase are taking place at the time of registration of the main contract of sale, which is further necessary, as in Russia, to register in the registration chamber (register of ownership of Spain). The process of design here is not very fast and takes about three to four months, but then you can be sure that you are a full owner of Spanish housing. After compliance with all the formalities related to the transaction of the sale, you can submit documents for the execution of multivisia in order to freely visit your new home as often as you want.
What are additional costs when acquiring real estate in Spain?
When buying Spanish real estate, you will need to pay 7% VAT. In addition, when buying real estate in the secondary market, it will also be 7% for transferring ownership, and when buying a new real estate, 1% co -fee fee. When registering a contract of sale in the property register, you will also need to make a one-time payment for registration of ownership in the amount of 300 euros. The services of a realtor and a notary providing legal support of the transaction are paid separately.
In general, the acquisition of real estate in Spain will be not only a successful investment for you, but also the opportunity to spend as much time as possible in a wonderful country with a rich cultural heritage, magnificent nature, comfortable and healthy climate health. A pleasant plus will also be the opportunity to travel to the nearest European countries and go for the weekend to relax to the famous Spanish Islands. Good deals to you!