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About us
FLOR DE CALPE is a dynamic company that started its activities with advice on real estate investments on the Costa Blanca. Today we offer comprehensive services in the field of buying and selling real estate, as well as short-term and long-term rentals.
Our specialists have deep expertise in real estate and analyze market prospects in detail, which allows us to select the most profitable and reliable investment solutions for our clients.
We will help you not only buy property on the Costa Blanca, but also turn it into a stable source of income.
Casa del Sol Bright apartment with terrace and pool
City
Calpe
Square
80
m²
Price
off
100
€/night
€
Type
Appartment
Modern villa with panoramic sea views in Calpe - Villa La Merced 12 B
City
Calpe
Square
274
m²
Price
off
995,000
€/night
€
Type
House
Modern villa with panoramic mountain and city views in Calpe — Gran Sol Villa 1L
City
Calpe
Square
221
m²
Price
off
850,000
€/night
€
Type
House
Casa Azul Modern apartment with terrace and pool
City
Calpe
Square
90
m²
Price
off
100
€/night
€
Type
Appartment
Investment plot in Moraira — Calle Benimaclet
City
Moraira
Square
14354
m²
Price
off
1,200,000
€/night
€
Type
Plot of land
Modern villa with panoramic sea views in Calpe - Villa La Merced 13 B
City
Calpe
Square
273
m²
Price
off
950,000
€/night
€
Type
House
Certified Professionals
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Frequently asked questions
What taxes do I need to pay when buying a property in Spain?
When purchasing real estate, the buyer must pay several taxes, including property transfer tax (ITP)) — 6-10% (for secondary real estate) or value added tax (IVA) — 10%, as well as stamp duty (AJD) — 1.5% (for new buildings).
What is a NIE and do you need one to buy a property?
The NIE (Número de Identificación de Extranjero) is a foreigner's identification number that is required for all financial transactions in Spain, including the purchase of real estate.
How long does it take to buy a property in Spain?
The process can take 2 to 8 weeks, but it can be quicker if all documents are ready.
What are the additional costs associated with buying a property?
• Additional costs include notary fees, property registration costs and, if necessary, legal support costs.
• Notary and registration fees (1-2%).
• Lawyer's fee (if involved) — 1-1.5%.
• Notary and registration fees (1-2%).
• Lawyer's fee (if involved) — 1-1.5%.
Is it possible to get a mortgage loan in Spain and under what conditions?
Foreign citizens can apply for mortgages in Spanish banks. Banks usually finance up to 70% of the property value, but conditions may vary.
What documents are required to buy a property?
Key documents include a valid passport, NIE, proof of funds and, if required, documents proving the origin of funds.
Do I need to open a Spanish bank account to buy a property?
It is desirable to have an account in a Spanish bank to conduct financial transactions related to the purchase of real estate and its further operation.
What are the costs associated with maintaining a property in Spain?
Property owners pay an annual property tax (IBI), utility bills and, if available, common property maintenance costs.
Can I buy a property in Spain by paying from a bank account in another country?
Yes, in Spain you can pay for the purchase of real estate from a bank account in another country, but there are a few nuances:
1. Bank transfers:
• It is possible to transfer money directly from a foreign bank account to a seller's or notary's account in Spain.
• However, Spanish notaries and merchants often require payment to go through a Spanish bank to comply with anti-money laundering laws.
2. Documentary evidence of the origin of funds:
• A bank or notary may request documents confirming the legal origin of the money, such as tax returns, asset sale agreements, etc.
3. Transfer currency:
• If payments are not made in euros, the bank may charge a conversion fee.
4. Spanish bank check:
• Some merchants and agencies require payment by bank check issued by a Spanish bank, which means opening an account in Spain.
Recommended option:
It is best to open an account in a Spanish bank, transfer money there in advance and pay for the property from this account. This will simplify the process, speed up the deal and help avoid additional checks.
1. Bank transfers:
• It is possible to transfer money directly from a foreign bank account to a seller's or notary's account in Spain.
• However, Spanish notaries and merchants often require payment to go through a Spanish bank to comply with anti-money laundering laws.
2. Documentary evidence of the origin of funds:
• A bank or notary may request documents confirming the legal origin of the money, such as tax returns, asset sale agreements, etc.
3. Transfer currency:
• If payments are not made in euros, the bank may charge a conversion fee.
4. Spanish bank check:
• Some merchants and agencies require payment by bank check issued by a Spanish bank, which means opening an account in Spain.
Recommended option:
It is best to open an account in a Spanish bank, transfer money there in advance and pay for the property from this account. This will simplify the process, speed up the deal and help avoid additional checks.
How can I check the legal purity of a property before buying it?
It is recommended that you contact a lawyer to check for encumbrances, debts and confirm the seller's ownership.
Who can apply for utilities in Spain for a property owner?
Utilities (electricity, water, gas, internet) for a property owner in Spain can be arranged by:
1. The owner himself
If you're in Spain, you can sign contracts with suppliers in person. This will require:
• Ownership document (Escritura de compraventa)
• NIE (Número de Identificación de Extranjero)
• Spanish bank account (for automatic payments)
2. Lawyer or real estate agent
Many buyers outsource the processing to a lawyer, agent, or Gestoría. They prepare all documents on the basis of a notarized power of attorney (Poder Notarial).
3. Management company or concierge service
If the property was purchased for rent or as a second residence, you can contact a property management company. They take care of processing and controlling payments.
4. Bank (in some cases)
Some Spanish banks offer services for connecting utility bills when applying for a mortgage or opening an account.
1. The owner himself
If you're in Spain, you can sign contracts with suppliers in person. This will require:
• Ownership document (Escritura de compraventa)
• NIE (Número de Identificación de Extranjero)
• Spanish bank account (for automatic payments)
2. Lawyer or real estate agent
Many buyers outsource the processing to a lawyer, agent, or Gestoría. They prepare all documents on the basis of a notarized power of attorney (Poder Notarial).
3. Management company or concierge service
If the property was purchased for rent or as a second residence, you can contact a property management company. They take care of processing and controlling payments.
4. Bank (in some cases)
Some Spanish banks offer services for connecting utility bills when applying for a mortgage or opening an account.
It is possible to buy property in Spain during the construction phase, what guarantees does the buyer have?
Yes, in Spain you can buy real estate under construction (“obra nueva” new buildings). This option is often beneficial, as the price is lower at the early stages of construction than after completion. However, to protect buyers, Spain has strict laws that provide guarantees.
Guarantees for the buyer
1. Bank or insurance guarantee for payments made
• According to Law 38/1999 on Construction Regulations (LOE) and Law 57/1968, the developer is required to provide a bank guarantee (aval bancario) or an insurance policy for all payments made by the buyer before construction is completed.
• If the property is not completed or the transfer of the property is delayed, the buyer may demand a refund.
2. Sales agreement (Contrato de Compraventa)
• The contract specifies all the details: price, construction time, layout, materials, penalties for delays.
• It is important to carefully review the contract and, if necessary, involve a lawyer.
Guarantees for the buyer
1. Bank or insurance guarantee for payments made
• According to Law 38/1999 on Construction Regulations (LOE) and Law 57/1968, the developer is required to provide a bank guarantee (aval bancario) or an insurance policy for all payments made by the buyer before construction is completed.
• If the property is not completed or the transfer of the property is delayed, the buyer may demand a refund.
2. Sales agreement (Contrato de Compraventa)
• The contract specifies all the details: price, construction time, layout, materials, penalties for delays.
• It is important to carefully review the contract and, if necessary, involve a lawyer.
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