{"id":9540,"date":"2025-06-25T12:37:40","date_gmt":"2025-06-25T10:37:40","guid":{"rendered":"https:\/\/somosbios.es\/discover-our-buying-guide-for-non-residents\/"},"modified":"2025-07-07T12:00:43","modified_gmt":"2025-07-07T10:00:43","slug":"discover-our-buying-guide-for-non-residents","status":"publish","type":"post","link":"https:\/\/somosbios.es\/en\/discover-our-buying-guide-for-non-residents\/","title":{"rendered":"Discover our buying guide for non-residents"},"content":{"rendered":"\t\t
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Discover our buying guide for non-residents\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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EVERYTHING YOU NEED TO KNOW ABOUT BUYING A PROPERTY ON THE COSTA DEL SOL IF YOU ARE A NON-RESIDENT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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>

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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t1.STEPS PRIOR TO PURCHASE<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Before jumping into buying a property in Marbella, it is essential to do proper financial planning and understand the local market.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\tMarket analysis<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\tSavings for financing<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\tMortgage comparison<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\tLoad verification\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t2. DOCUMENTATION REQUIRED FOR NON-RESIDENTS\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If you are not a resident in Spain, there are certain key documents you will need to purchase a property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\tObtaining the NIE (Foreigner's Identification Number)\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\tOpening a bank account in Spain\n\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t3. HOME BUYING PROCESS\n\n\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Once you have completed the previous steps and have the necessary documentation, the purchase process proceeds as follows:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tReservation or earnest money contract\n\n\n\n\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tSigning of the purchase contract\n\n\n\n\n\n\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tPublic deed\n\n\n\n\n\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tLand Registry\n\n\n\n\n\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t4. COSTS AND TAXES WHEN BUYING A HOME IN SPAIN\n\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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It is essential to know the additional costs and taxes associated with the purchase of a home.<\/p>

Notary and registration fees<\/strong><\/p>

Notary and Land Registry fees are regulated by the Government and depend on the value of the property.<\/p>

VAT and Property Transfer Tax (ITP)<\/strong><\/p>

For newly built properties, a VAT of 10% is applied, while second hand properties are subject to ITP, which in Andalusia is 7%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t5. AFTER-SALES SERVICE AND PROPERTY MANAGEMENT\n\n\n\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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At BIOS, we not only accompany you during the purchase process, but we also offer an after-sales service to ensure that everything runs smoothly. We are in charge of helping you to solve any need you may have, such as insurance, removals, renovations, or even the management of your property if you decide to rent it. Our goal is that you enjoy your new home without worries. <\/p>

If you plan to make sporadic use of your property and want to earn extra income, we have a specialized service in tourist rental in Marbella. This way, you will maximize the profitability of your investment and your property will always be ready to receive tourists from all over the world, managed by experts in the local market. At BIOS, we offer you a complete after-sales service so that you can enjoy your property in Marbella without worries. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\tARE YOU READY TO LIVE ON THE COSTA DEL SOL?\n\n\n\n\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Buying a property in Marbella as a non-resident in Spain is a process that requires planning, but with the right guidance, it can be a smooth and rewarding experience. At BIOS, we are here to make every step easy and secure, ensuring that you purchase your property with complete peace of mind. Visit our selection of Costa del Sol properties<\/strong><\/a> on the Costa del Sol and find your new home. <\/p>

With more than 20 years of experience in the real estate sector and a multidisciplinary team, we are committed to offer our clients the best buying experience.<\/p>

Contact us<\/a> to request the complete Buyer’s Guide and we will help you find the property you are looking for on the Costa del Sol.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Discover our buying guide for non-residents EVERYTHING YOU NEED TO KNOW ABOUT BUYING A PROPERTY ON THE COSTA DEL SOL IF YOU ARE A NON-RESIDENT 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 […]<\/p>\n","protected":false},"author":1,"featured_media":8495,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[240],"tags":[],"class_list":["post-9540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en"],"yoast_head":"\nDiscover our buying guide for non-residents - Bios Real Estate<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/somosbios.es\/en\/discover-our-buying-guide-for-non-residents\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Discover our buying guide for non-residents - Bios Real Estate\" \/>\n<meta property=\"og:description\" content=\"Discover our buying guide for non-residents EVERYTHING YOU NEED TO KNOW ABOUT BUYING A PROPERTY ON THE COSTA DEL SOL IF YOU ARE A NON-RESIDENT Buying a property in Marbella is a dream for many, especially if you are looking to enjoy the Costa del Sol lifestyle. 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