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Buying a property in Marbella is a dream for many, especially if you are looking to enjoy the Costa del Sol lifestyle. However, if you are not a resident of Spain, it is essential to know the key steps and documentation required to make the purchase safely. From market analysis to obtaining a Foreigner Identification Number (NIE), in this guide we explain all the requirements to make the process go smoothly. <\/p>\n
At BIOS, we offer personalized support at every stage of the process, ensuring transparency, trust and professionalism so that your investment is well protected.<\/p>\n
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1.STEPS PRIOR TO PURCHASE<\/strong><\/p>\n Before jumping into buying a property in Marbella, it is essential to do proper financial planning and understand the local market.<\/p>\n Market analysis<\/strong><\/p>\n The first step is to conduct a thorough analysis of available properties and their prices. At BIOS, we evaluate the offers in the area you are most interested in, making sure we find the property that best suits your needs and budget. <\/p>\n Savings for financing<\/strong><\/p>\n If you need to finance your purchase through a mortgage, keep in mind that banks usually do not cover 100% of the price of the house. It is advisable to have enough savings to cover between 20% and 30% of the cost. <\/p>\n Mortgage comparison<\/strong><\/p>\n Comparing different mortgage options is crucial to get the best conditions. At BIOS we help you find the mortgage offer that best suits your financial needs. <\/p>\n Load verification<\/strong><\/p>\n Before proceeding with the purchase, make sure that the property is free of encumbrances or debts. It is essential to verify that there are no previous mortgages, liens or legal problems that may affect your purchase. At BIOS we help you obtain all the necessary certificates to ensure that everything is in order. <\/p>\n <\/p>\n 2. DOCUMENTATION REQUIRED FOR NON-RESIDENTS<\/strong><\/p>\n If you are not a resident in Spain, there are certain key documents you will need to purchase a property.<\/p>\n Obtaining the NIE (Foreigner’s Identification Number)<\/strong><\/p>\n This number is essential to carry out any tax formalities in Spain. The process to obtain it includes booking an appointment at an immigration office or police station, presenting the immigration form, your passport, a recent photo and proof of payment of fees. <\/p>\n Opening a bank account in Spain<\/strong><\/p>\n Opening a bank account is an important step in managing payments related to buying a home. You will need your NIE, passport and proof of address, among other documents. <\/p>\n <\/p>\n 3. HOME BUYING PROCESS<\/strong><\/p>\n Once you have completed the previous steps and have the necessary documentation, the purchase process proceeds as follows:<\/p>\n Reservation or earnest money contract<\/strong><\/p>\n The earnest money contract details the initial terms of the purchase, such as price and payment terms. It also ensures that the property will not be sold to another buyer while the terms are being finalized. <\/p>\n<\/div>\n Signing of the purchase contract<\/strong><\/p>\n This legal document, drafted by a lawyer, stipulates all the rights and obligations of the parties. It includes the description of the property, the price, the forms of payment and who assumes the expenses and taxes. <\/p>\n<\/div>\n Public deed<\/strong><\/p>\n The property deed is signed before a notary, who certifies the transaction. At BIOS, we coordinate the entire process so that it is carried out in a secure manner. <\/p>\n<\/div>\n Land Registry<\/strong><\/p>\n The last step is to register the property in the Land Registry. This procedure provides legal certainty and guarantees that your name appears as the owner of the property. <\/p>\n<\/div>\n<\/div>\n