PROPERTY · PEOPLE · PLACEDISCOVER ANDALUCÍA
Buying in Spain
A revised version of the buying guide from our previous website, focused on the steps to clarify before purchasing.
Reviewed 15 October 2026. General information: each transaction needs its own legal and tax review.
Before reserving
Confirm your budget, required finance and additional costs. Review ownership, charges, planning status and property documents before making commitments.
Reservation and private contract
Make sure the reservation records the terms, deadlines, who receives the money and when it is refundable. With an arras contract, the consequences of withdrawing depend on the agreement and type of deposit: have these explained before signing.
Signing before a notary
The notary checks the documents needed for the deed and requests registry information about ownership and charges. Agree payment arrangements and any language assistance in advance.
Taxes and costs
In Andalucía, the general ITP rate for property transfers subject to this tax is 7%, with reduced rates in some cases. The reference value may determine the tax base when it exceeds the price or declared value. New-build purchases have different tax treatment. Add the notary, registry, advice and finance costs relevant to your transaction.
Registry, Cadastre and nota simple
The nota simple reports the property’s registered position. Compare the Registry description with the Cadastre and the actual buildings; discrepancies need review, particularly with country homes.
Country homes and AFO / DAFO
AFO recognition does not legalise a building. Its availability and effects must be assessed with the town hall and a professional for the specific property.
Finance and professional advice
Check mortgage availability for the particular property before committing a deposit. An independent professional can review the documents and explain risks and available solutions.
After completion
Arrange tax filing and payment, the relevant registration and changes to utility accounts. Confirm who will handle each step and keep supporting records.