Buying a house in Spain without any worries
Buying a house in Spain is not something you do every day. That is why it is important to know exactly how the purchase process works. MedVilla guides you step by step, so that you can buy your dream home without any worries.
Thanks to our years of experience, we know all the ins and outs of the Spanish real estate market. We ensure that you are not faced with any surprises. In addition, we are happy to put you in touch with our reliable network of professionals - think of experienced lawyers who represent your interests during the purchase.
Curious about what the purchase process in Spain looks like? We have clearly listed all the steps for you. This way you know exactly what to expect - and buying a home in Spain becomes a pleasant and unforgettable experience.
At MedVilla we guide you step by step, so that you make the right decision without any worries and are well informed.
The purchasing process in Spain – explained step by step
Buying a house in Spain is a bit different than in Belgium or the Netherlands, but with the right guidance it is perfectly doable. These are the most important steps:
- Determine your wishes – location, type of property, budget
- Schedule viewings – on site or online
- Sign a reservation contract – to secure your property (with deposit)
- Legal check – by a certified lawyer (building permits, title deed, etc.)
- Final deed of sale – signing at the notary
- Registration and arranging utilities
At MedVilla we make sure you don't miss anything. Transparency and safety are always our top priority
Step 1. Searching for your dream home in Spain
Everything starts with a good conversation. Because anyone who wants to buy a house in Spain must first know exactly what they are looking for. Simply fill in our search service or contact us personally by phone or email. As soon as we know your wishes, we will get to work for you and you will quickly receive a tailor-made selection of properties that perfectly match your preferences.
Have you found one or more interesting properties? Then it is time for a viewing trip. We plan this efficiently, so that you can view all the relevant properties in a short time. And you are not alone - one of our experienced real estate agents will accompany you during each viewing. This way you not only get a good impression of the properties, but also a clear explanation about buying a house in Spain..
Do you want to view a property again or continue searching? No problem - we think along with you and adapt to your pace. Our goal is simple: you find your dream home, and we ensure that buying a house in Spain goes smoothly and without worries.
Step 2. Reserve your dream home with a reservation contract
Have you found your ideal home? Then the next step towards buying a house in Spain is signing a reservation contract – certainly the standard procedure for new construction.
Before you sign, we will carefully go through all the financial aspects with you: from purchase costs and taxes to periodic costs such as maintenance or community contributions. This way you know exactly what to expect, without any surprises afterwards.
We will guide you in drawing up the reservation contract and ensure that all conditions are clearly recorded. This contract guarantees that the house will be taken off the market for you for an agreed period, while the legal and administrative matters are initiated.
Buying a house in Spain starts with certainty, and that is exactly what this contract offers. With MedVilla at your side, this step will also be smooth, transparent and completely in your interest.
Step 3. Signing of the preliminary purchase contract
After reserving your dream home, the next important step in the process of buying a house in Spain follows: signing the preliminary purchase contract.
When signing this contract, a deposit of 20 to 40% of the purchase price is usually requested. The amount that you previously paid when making the reservation will of course be deducted from this. In this contract you will also find the agreements about the further processing, including the planned date on which you can receive the keys to your new home.
Important: in order to be able to sign this contract legally, you need an NIE number (Número de Identificación de Extranjero). This identification number is mandatory for foreigners who want to buy a house in Spain. So start the application in time via the Spanish consulate in the Netherlands and Belgium or let one of our lawyers arrange this for you - our brokers will of course inform you about this in good time.
MedVilla ensures that you are well prepared and do not miss a step in the process of buying a house in Spain.
Step 4. The official transfer of your house in Spain
The big moment has arrived: the official transfer of your home. A milestone in the process of buying a house in Spain, and one to look forward to. During this step, you will be assisted by your lawyer, who will ensure that all documents are signed correctly at the notary.
Are you unable to be present at the time of transfer? No problem – with a power of attorney, your lawyer can take care of the signing on your behalf. This way, this last legal step will also run smoothly and without stress.
And our service does not stop after the transfer. Whether you have questions about insurance, utilities, renting or the maintenance of your home – our after-sales service is also there for you after buying a house in Spain.
We believe in long-term relationships, not in individual transactions. So do you need anything? Feel free to call or email us – we would like to remain your reliable partner under the Spanish sun.
We are here for you – before, during and after buying a house in Spain
Buying a house in Spain should be a pleasant experience above all else – and that is exactly what we at MedVilla work hard on every day. From the initial orientation to the handover of the keys (and even afterwards), we ensure that everything runs smoothly, clearly and without worries.
We put you in touch with our reliable partners – from lawyers to insurers – and personally guide you through every step of the purchase process. On our website you will find a lot of useful information about buying a house in Spain, and of course we are always ready to answer your questions.
Do you have specific questions about legal matters, taxes or another phase in the purchase process? Or do you just want to brainstorm about your plans? Then fill in the contact form or contact us directly.
MedVilla is your guide under the Spanish sun – today, tomorrow and in the future.
Look at our newbuilds
Frequently asked questions
- 1. Waar moet ik op letten bij een nieuwbouw huis kopen in Spanje?
- Let goed op de vergunningen (licencia de obra en licencia de primera ocupación), de reputatie van de projectontwikkelaar, betalingsschema’s en garanties zoals de 10-jarige bouwgarantie (seguro decenal). Controleer altijd of de bouw volledig legaal is en of alle documenten kloppen. MedVilla helpt je hier uiteraard mee.
- 2. Wat zijn de voordelen van een nieuwbouw huis kopen in Spanje?
- Nieuwbouw biedt moderne bouwkwaliteit, energiezuinigheid, betere isolatie, garantie op constructie, lage onderhoudskosten en vaak gemeenschappelijke faciliteiten zoals zwembaden, tuinen en beveiliging.
- 3. Welke belastingen gelden bij het kopen van een nieuwbouw woning in Spanje?
- Bij nieuwbouw betaal je 10% IVA (btw) en 1,2% – 1,5% AJD (stempelbelasting), afhankelijk van de regio. Dit maakt nieuwbouw fiscaal anders dan bestaande woningen, waar overdrachtsbelasting geldt.
- 4. Hoe werkt het betalingsproces bij nieuwbouw in Spanje?
- Het proces verloopt in fases: *Reservering (€6.000–€10.000) *Teken van het koopcontract + een eerste aanbetaling (meestal 10%) *Betaaltermijnen tijdens de bouw (op basis van voortgang) *Restbetaling bij oplevering en notariële akte *Alle betalingen moeten gedekt zijn door bankgaranties.
- 5. Wat is een bankgarantie (aval bancario) en waarom is die belangrijk?
- Een bankgarantie beschermt je stortingen tijdens de bouw. Mocht de ontwikkelaar failliet gaan of de woning niet opleveren, krijg je je geld terug. Dit is verplicht bij nieuwbouwprojecten
- 6. Hoe lang duurt het om een nieuwbouw huis in Spanje te laten opleveren?
- Gemiddeld duurt de bouw 12 tot 24 maanden, afhankelijk van projectgrootte, vergunningen en locatie. Bij sleutelklare projecten kun je vaak binnen enkele weken na aankoop intrekken.
- 7. Heb ik een advocaat nodig bij een nieuwbouw aankoop in Spanje?
- Ja, het is sterk aan te raden. Een onafhankelijke advocaat controleert vergunningen, bouwcontracten, betalingsvoorwaarden, garanties en juridische status, zodat je aankoop volledig beschermd is.
- 8. Kan ik een hypotheek krijgen voor een nieuwbouw woning in Spanje?
- Ja. Spaanse banken verstrekken hypotheken voor zowel nieuwbouw als bestaande bouw. Vaak financieren ze 60%–70% van de taxatiewaarde. Sommige ontwikkelaars bieden tijdelijke financiering tijdens de bouw.
- 9. Kan ik een nieuwbouw huis in Spanje kopen voordat de bouw is gestart?
- Ja, dit heet “off-plan kopen”. Hierdoor krijg je vaak een betere prijs en meer keuze in locatie of afwerking. Het is wel extra belangrijk om vergunningen, bankgaranties en reputatie van de ontwikkelaar te controleren.
- 10. Zijn er extra jaarlijkse kosten verbonden aan nieuwbouw huizen in Spanje?
- Ja. Denk aan IBI-belasting, gemeenschapskosten (vooral bij complexen), woningverzekering, afvalheffing en kosten voor nutsvoorzieningen. Nieuwbouw is vaak energiezuiniger, waardoor maandelijkse lasten lager kunnen uitvallen.
- 11. Welke makelaar kan mij het beste begeleiden bij het kopen van een nieuwbouw huis in Spanje?
- Als je op zoek bent naar betrouwbare begeleiding bij het kopen van een nieuwbouw huis in Spanje, is MedVilla een uitstekende keuze. Zij zijn gespecialiseerd in nieuwbouwprojecten aan de Spaanse kust, werken uitsluitend met gecontroleerde ontwikkelaars en begeleiden je volledig tijdens het aankoopproces — van bezichtigingen en juridische checks tot oplevering. Dankzij hun transparante werkwijze en Nederlandstalige begeleiding weet je zeker dat je aankoop zorgeloos en veilig verloopt.