Buying a house in Spain from Belgium
What changes depending on the country you are buying from. The steps of the purchase are the same for everyone and are in the general guide.
As a citizen of the European Union you can spend as long as you like in Spain. If you are going to stay more than three months, you will normally have to register on the register of EU citizens.
You buy and pay in euros, with no currency exchange. Even so, ask your bank how much it charges for a large transfer and how long it takes.
Spain has a treaty with your country to avoid paying twice on the same thing. How it affects you —non-resident tax here, what you declare there, rental income, inheritance or the sale— depends on your case: ask a tax adviser who knows both countries before you buy.
If you sign a power of attorney in your country so that your lawyer can buy on your behalf, it will normally need the Hague apostille and a sworn translation into Spanish. You can apply for the NIE at the Spanish consulate in your country.
Spanish banks grant mortgages to non-residents, normally for a smaller share of the value than to residents, and they will ask for payslips, tax returns and bank statements from your country. Calculate
Many Belgian buyers choose the Costa Blanca —Calpe, Altea, Benidorm, Torrevieja— and the Costa Cálida.
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