{"id":608,"date":"2026-01-22T15:28:11","date_gmt":"2026-01-22T14:28:11","guid":{"rendered":"https:\/\/endless-estates.com\/?page_id=608"},"modified":"2026-08-18T16:23:03","modified_gmt":"2026-08-18T15:23:03","slug":"buying-process","status":"publish","type":"page","link":"https:\/\/endless-estates.com\/?page_id=608","title":{"rendered":"Buying process"},"content":{"rendered":"\t\t
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Guiding you to your ideal property<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Finding your dream home on the Costa del Sol should be a pleasure, not a puzzle. At Endless Estates, we combine local expertise, personalized guidance, and a seamless process to make every step effortless.<\/p>

From the first viewing to the final signature, we handle the details, anticipate your needs, and ensure complete peace of mind. Let us guide you there.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Essential FAQs for international investors buying property in Spain<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What is the difference between a Reservation Contract and a Deposit Agreement (Contrato de Arras)? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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A Reservation Contract is a preliminary agreement that takes the property off the market for 14\u201330 days for a fee (typically \u20ac6,000\u2013\u20ac10,000). The Contrato de Arras is the binding private purchase contract, requiring a 10% deposit. While the reservation indicates intent, the Arras contract carries heavy legal weight under Spanish law, specifying the final completion date and severe financial penalties for any party that withdraws from the transaction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Do I legally require a lawyer (Abogado) if a Spanish Notary is already overseeing the deed? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Strategically, you must hire an independent lawyer. While a Spanish Notary is a neutral public official who ensures the document\u2019s formal legality, they do not conduct property-specifc due diligence or represent your interests. Your lawyer is your primary risk-mitigation tool, performing essential checks on debts, zoning, and “Licencia de Primera Ocupaci\u00f3n” (LPO) status. Relying solely on a Notary leaves you exposed to hidden liabilities and structural legal defects.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can a non-resident secure a mortgage in Spain, and what are the typical Loan-to-Value (LTV) limits? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, non-residents can secure Spanish mortgages, though banks typically cap the Loan-to-Value (LTV) at 60% to 70% of the purchase price or valuation. This necessitates a minimum deposit of 30% to 40%, plus the 15% required for taxes and fees. You will be required to provide tax returns and income proof from your home country, and the monthly debt-to-income ratio must generally remain below 35%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Can I complete a property purchase remotely from my home country? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. You can execute a remote acquisition by granting your lawyer a “Power of Attorney” (Poder Notarial). This legal mechanism allows your representative to apply for your NIE, open a Spanish bank account, and sign the “Escritura” (Title Deed) at the Notary on your behalf. This is the standard procedure for international HNWIs. All POA documents signed outside Spain must be formally translated and carry the Hague Apostille to be legally recognized.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What is the typical timeframe from the initial offer to the signing of the 'Escritura' (Title Deed)? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Expect a timeframe of six to ten weeks. Resale transactions are typically faster, often completing in 30 to 45 days if you are a cash buyer with an NIE and bank account ready. New-build properties involve longer, stage-payment timelines until the final certificate of completion is issued. Your lawyer and the Notary will coordinate the signing of the “Escritura” once all pre-completion checks and the “Nota Simple” are verified.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Since the Golden Visa has ended, what are my options for spending more than 90 days in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t\t<\/path><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Post-April 2025, your primary alternatives are the Non-Lucrative Visa (NLV) and the Digital Nomad Visa (DNV). These routes have strict “minimum liquidity thresholds”: the NLV requires proof of approximately \u20ac2,400+ per month (passive income), while the DNV requires remote workers to earn roughly \u20ac2,850+ per month. Both paths carry different tax implications, particularly regarding your global income, which you must review with a fiscal specialist.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Let\u2019s find your perfect property<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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We\u2019re here to guide you from the first conversation to the final handover, making the journey of buying property abroad as smooth and transparent as possible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tGet started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Guiding you to your ideal property Finding your dream home on the Costa del Sol should be a pleasure, not a puzzle. At Endless Estates, we combine local expertise, personalized guidance, and a seamless process to make every step effortless. From the first viewing to the final signature, we handle the details, anticipate your needs, […]<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"footnotes":""},"class_list":["post-608","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/endless-estates.com\/index.php?rest_route=\/wp\/v2\/pages\/608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/endless-estates.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/endless-estates.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/endless-estates.com\/index.php?rest_route=\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/endless-estates.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=608"}],"version-history":[{"count":117,"href":"https:\/\/endless-estates.com\/index.php?rest_route=\/wp\/v2\/pages\/608\/revisions"}],"predecessor-version":[{"id":198082,"href":"https:\/\/endless-estates.com\/index.php?rest_route=\/wp\/v2\/pages\/608\/revisions\/198082"}],"wp:attachment":[{"href":"https:\/\/endless-estates.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}