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CONTACT US
Comprehensive advice in the purchasing process
At FHS Consulting we work together with our clients to study what their needs are and thus find what they are really looking for. We perfectly understand the process of buying a home and we know that doing so abroad is not easy, which is why we offer comprehensive advice tailored to each client.
Contact us and discover all the options to make a safe purchase in Spain.
Our process
2.- Evaluation
We will provide you with expert advice to evaluate properties and guide you in formulating a solid and competitive offer.
4.-Signature
On the day of the signing you will be accompanied to compare all the documentation and thus close the process successfully.
1.-What are you looking for?
We will work with you to understand your needs and wants, identify properties that fit your criteria and arrange viewings.
3.-Negotiation and Earnest Money
Our team will be in charge of negotiations with the seller and preparation of the contract to mark the property.
How can we help you at FHS Consulting?
We want to make the purchase process simple for a non-resident
1. -Needs Study
Forcbuy a house in Spain Some aspects must be taken into account and nothing left to chance, which is why we work closely with you to identify yourspecific goals, preferences and requirements. This study includes:
Area of interest
Do you prefer to live near the beach or in a rural environment? It is important to know the area where you would like to buy your house in Spain to optimize the search.
Housing type
Apartment, chalets, semi-detached house, villas. There are two main types of home buyers in Spain, those who prefer an apartment with sea views and those who prefer larger houses but further away from urban centers.
This process can be complicated for a non-resident person and that is why we want you to trust us to carry out the needs study and be able to propose the best alternatives.
2. Search for housing
Once the needs study has been carried out, we will be able to contact our collaborators and thus find possible homes in the shortest possible time. In this part of the process we will take care of the following:
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Look for several homes that match your needs and requirements.
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Present to you thebest options.
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Organize visits by video call or in person. If they are in person, we will adjust all visits so that you can see the selected homes in a single trip. You can also count on us to advise you on hotels, restaurants and areas of interest.
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After having chosen the desired home, we will mediate with the seller to reach thebest possible agreement.
3. Documentation
Both to formalize the purchase and for the mortgage loan, the following documentation is necessary:
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- For all non-residents it is necessaryhave a NIE (Foreign Identity Number) since it is a requirementlegal for all real estate acquisitions in Spain.
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- Another essential requirement is to have an openaccount in a Spanish bank.
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- We prepare the prior contract where buyers and sellers commit to making the sale for the agreed amount and period. This document is calledearnest money contract.
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- In the case of a mortgage loan, the bank will request several personal documents. In this step you can count on us to help you since with the newMortgage law There may be some complex points for non-residents.
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- The purchase and sale of real estate in Spain is taxed with thetax of onerous property transfers and documented legal acts,better known as ITP and AJD. There is a period of one month from the date of signing to pay them and present them to the Treasury, depending on the Autonomous Community, the general rate ranges between 6% and 10%.
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- After signing, it is important to change the ownership of thehousing supplies as soon as possible since you may cause damage to the seller. The usual supplies are electricity and water.
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- In Spain all farms have to pay an annual tax calledReal Estate Tax. It is important to ensure after signing that the property is in your name at the Town Hall to correctly receive the payment notification. In addition, you must register in your home to have access to public services and personal income tax deductions offered by your Municipality/Autonomous Community (schools, hospitals, aid...)
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- Another step to take is to introduce yourself to the president of theCommunity of owners and tofarm administrator, communicate your information to them so they can be updated on any news that occurs in the building.
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- Finally, you have toregister the title of Purchase and Sale in theProperty registration, to legally record the transfer of the home.
Its TThe information applies to general areas, which is why we insist on the need for prior study to work with each client on their personal circumstances and thus calculate each step to make the process easy and transparent.
4. Signing day
Hemost awaited day since you start with the idea of buying a house in Spain. As in the entire process on signing daywe will accompany our client to a notary to formalize the purchase of the home with the sellers. In addition, the signing of the mortgage loan will also be carried out with the bank in case of financing.
We will provide all thenecessary documentation that the operation requires, we will check the purchase and sale contracts and mortgage loan contracts in search of any possible failure. Heclient will be able to deposit In usthis responsibility administrative and legal to focus on asking the sellers any questions about the house.
