6 most important documents when buying a house in Spain in Medvilla Spanje

6 most important documents when buying a house in Spain

05.09.2022

To be sure that you can safely buy the property you have found, it is important to obtain sufficient information about the property.

The 5 most important documents in this overview when buying a house in Spain are important.

You should definitely have the first 2 in the overview. The last 3 can be done at a later stage.

1. The Note Simple

The Nota Simple is a document of no more than 4 pages. On these 4 pages you will find everything you need to know about the property you are going to buy in Spain. Information about the legal owner, architectural information, financial and tax information of the property.

In short, all the information you need before you sign the reservation agreement or the preliminary purchase agreement. Based on the information from this document, you can decide early on whether you want to proceed with the purchase.

And more importantly; whether it is wise and safe to buy this property.

Ask your broker or directly to the owner. They must ensure that you receive the Nota Simple.

It is important that the document is of a recent date. An outdated document has little value.

2. Declaration of habitability

A house without a certificate of habitability can mean that something is wrong with the house. You also need this document to transfer the water meter to your name.

There are 2 different names for more or less the same document.

  • If we are dealing with a newly built house that has not been occupied before, we are talking about the certificate of first occupancy (Cedula de primera ocupacion).
  • If it concerns an existing house that has previously been occupied, then there is a habitability declaration. This declaration of habitability is also called proof of second occupation (Cedula de segunda ocupacion).

The next 3 are allowed at a later stage

3. Energy Certificate

The seller must ensure that he is in possession of a valid energy certificate for the property he is offering for sale.

In fact, the energy certificate must already have been drawn up at the time the house is put up for sale. Often it only happens at a much later stage. That in itself is not a problem. But at the moment the notarial deed of sale is signed, the certificate must indeed have been supplied by the seller.

4. Evidence that there is no arrears in payments to the Association of Owners and Utilities

When buying an apartment or a house in a closed urbanization, there is always an association of owners. It is important for you as a buyer to know whether all monthly contributions to the VVE have been paid by the seller. To prove this, the seller must submit a document showing that all payments have been made. The seller or his broker must request this document from the administration office of the owners' association. The notary will also ask for it when you sign the deed of sale.

The seller must also prove that he has paid the last 3 invoices from the connected utility companies. For this he must present the invoices with accompanying proof of payment.

5. Real estate tax payment receipt

At the moment that the deed of sale is passed at the notary, the seller must prove that he has paid the immovable property tax.

The seller demonstrates this by submitting proof of payment of the most recent assessment.

Note: even if the last payment is proven, items from previous years may still have remained unpaid. This is difficult to check, but an observant notary can see it. When in doubt, you can always ask the notary.

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