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Click on any flag to get an automatic translation from Google translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten

 

How to find the ideal Spanish property?

Discover our comprehensive and exclusive steps to find the perfect property that matches your expectations.

 

Since we started investing in the Spanish real estate market in 2012, we have built a network of local real estate experts in Spain and become a one-stop shop solution for foreigners looking for help to buy a property in Spain. We launched this new series of four articles so you can get all your answers and all our tips before pursuing your dream property.

With our first article: How should you start your Spanish property search? We gave you answers on many specific issues related to the purchase of a property in Spain: Why would you buy a property in Spain? What are your objectives? What are the perfect criteria for your future dream home?

With our second article, we helped you to find the perfect location for your property in Spain: Sea view or countryside? When will you visit Spain? Is the cost of life essential? Will you relocate or retire to Spain? Will you look for a second home or an investment property? What are your ideal location criteria? We concluded the article with an overview of the different Spanish Costas.

Now that you know why you want to buy a property in Spain, how you should do it and in which part of Spain, it is time to move on and search for your Spanish dream property. Finding a cheap property in Spain is easy; finding one that matches your expectations is another step.

Our customers have different objectives when they buy a property in Spain: finding a holiday home, relocating, retiring or investing in real estate. All those objectives mean different expectations about an ideal property.

With our help, please make this property acquisition a success.

 

Here is how we will help you out with this property search:

The best searching tips for your Spanish property

As you learned in our previous articles, it is not difficult to buy a property in Spain. It’s even quite affordable compared to other European countries. How can you find your ideal Spanish property?

There are two main avenues: either you go on your own for your property search, or you enjoy the precious help of a Spanish-based property finder who knows the market and will negotiate the price for you. Worst case, he will tell you, “You should pay the requested price because this is a bargain and it won’t stay on the market for long.” Of course, as you will read, the main advantage of a local property hunter is that he is on the ground and you are abroad. So, he will speed up the process.

Whatever avenue you take, that’s why we recommend seeking legal advice and hiring a real estate lawyer. Why? It is well known that issues can arise from a property sale in Spain. Notaries’ duties are lighter than in other European countries. So, you can make it without a lawyer, but we think it’s a safety net that’s essential when discussing significant investments.

The best place for your future dream property is always the place that you will love. So, take time, visit properties, discover neighbourhoods and lovely villages and enjoy yourself first. All the steps we will describe here are the same with or without a property hunter, apart from the first two steps that explain why you should take a property hunter and how he works. If you want to search for your Spanish holiday home on your own, you can skip the first two points.

 

  1. The six reasons why a local property hunter is a nice-to-have

    He knows the market. He will save you money and make this property a savvy investment. He will save you time. He will protect your interests. He speaks Spanish and your language. He will find solutions after you make a purchase. So, of course, you can search the property by yourself but as you live abroad, it is not easy, it is time consuming and last but not least you don’t have a clue about the real property market price, that’s why usually he will save a lot of money by working for you. To summarise, working with a local property hunter who speaks your language will speed up the process, make it much smoother, and save you time and money, as you won’t need to travel to visit the 10 properties that don’t match your taste. Follow this link to read our detailed article on the subject.

    Check out the completed missions of our property hunters across Spain.

 

  1. How does a Spanish property finder work?

    There are six main steps: 1. Interview with the customer, 2. The contract, 3.The property search and visits to properties, 4. Feedback and exchange of views with the customer, 5.Purchase of the property, 6. The real estate personal shopper will assist their customer with formalities. Follow this link if you want to read more about what a Spanish-based property finder will do for you. With the same link, you can have a look at some property searches realised by our property hunters in different Spanish Costas, and of course, you can search for your local property hunter in your favourite Spanish region.

 

  1. A real estate lawyer is your must-have AND the first step to your Spanish home.

    You can search for your property on your own, but in Spain, a Spanish property lawyer is a clear must. For many reasons:

    Buying real estate in Spain is very easy: what is not, is knowing what you buy. As one of our legal partners summarises:

    “ it is in this context that the role of the lawyer is essential, not only to collect the documents that will allow you to sign and obtain the registration of the property at your name in the property registry (management procedures) but especially to obtain the documents to which the law does not give you obligatorily access before the sale but whose study is essential to know the ins and outs of your purchase (audit procedures).”

    Have a quick look at our two articles on the subject if you want to read more:
    Why do you need a property lawyer for buying real estate in Spain?
    What is the legal due diligence for your Spanish property?
     If you want to find a good local Spanish property lawyer, follow the link and choose one from our network.

 

  1. Each person involved with this project should list their objectives

    Remember that, as you saw in our past articles from this series, your objectives will differ depending on the property’s function: a second home, a first home, a retirement home, or an investment property.
    Here is a quick example of an objective: I want a second home where I can live for three months per year (during the summer months and three holiday weeks). I want it to be close to the airport, within walking distance of the beach, and large enough to accommodate all my family (4 bedrooms). As I am a golfer, I want it close to golf courses. My wife wants it close to shopping areas because she doesn’t drive.
    Don’t hesitate to go into further details; the more you do, the easier it will be to know if you’ve found the perfect property.
    Don’t worry if you can’t find many ideas; our criteria lists, available in this article, will help you find the main ones.

 

  1. Looking for a Resale in Spain

    The Spanish real estate market is exciting for both resale and new build properties. Of course, you can buy an existing property with its past, or you can go for the comfort of a new build property. Both are possible in Spain. Both are very competitive in terms of price. Of course, the cost of your property will be mainly driven by its location and size. It will be less dependent on whether it is a resale or a new build. Of course, resale could even be more expensive if you take into account the renovation works that will come with it, 90% of the time. Buying a resale in Spain could have a lot of charm, and with some renovation works, you can give it as much of a modern touch as you want. Even if renovation works are not expensive in Spain, they could come more costly than a new build property when you check it at the end of the project.

 

  1. Looking for a new build property in Spain?

    Buying a new build property in Spain has many advantages:

    1. Impressive standards specifications: designed for modern living:
    2. Personalise your property to your taste
    3. New build prices in Spain are very competitive vs resale + renovation costs
    4. Fewer uncertainties:
      • 3-year warranty on the building works
      • 10-year warranty on design faults by the architect
      • 10-year warranty on structural defects by the builder

    Read more on that: What are the advantages of buying a new build property in Spain?

     

    Discover the best new build projects in Spain, direct from our partners, with a €5,000 discount!
    € 320,000
    2 beds 1 bath 61.3 m²
    € 313,000
    2 beds 2 baths 61.3 m²
    € 540,000
    3 beds 3 baths 191 m²
    € 520,000
    3 beds 2 baths 109 m²
    € 345,000
    2 beds 2 baths 97 m²
    € 435,000
    3 beds 2 baths 114 m²
    € 350,000
    3 beds 2 baths 106 m²
    € 273,000
    2 beds 2 baths 83 m²
    € 368,000
    3 beds 2 baths 103 m²
    € 315,000
    2 beds 2 baths 90 m²
    € 245,000
    2 beds 2 baths 83 m²
    € 335,000
    3 beds 2 baths 98 m²
    € 250,000
    2 beds 2 baths 90 m²
    € 420,000
    2 beds 2 baths 81.7 m²
    € 475,000
    3 beds 2 baths 101.9 m²
    € 490,000
    3 beds 2 baths 119.8 m²
    € 540,000
    3 beds 2 baths 129.2 m²
    € 530,000
    3 beds 2 baths 106.9 m²
    € 370,000
    2 beds 2 baths 88.9 m²
    € 440,000
    3 beds 2 baths 106.9 m²
    € 367,000
    3 beds 3 baths 177 m²
    € 262,000
    3 beds 2 baths 84 m²
    € 242,000
    2 beds 2 baths 72 m²
    € 277,000
    2 beds 2 baths 73 m²
    € 255,000
    3 beds 2 baths 85 m²
    € 220,000
    2 beds 2 baths 71 m²
    € 240,000
    2 beds 2 baths 80 m²
    € 280,000
    3 beds 2 baths 88 m²
    € 585,000
    3 beds 3 baths 162 m²
    € 348,000
    3 beds 2 baths 220 m²
    € 355,000
    3 beds 2 baths 100 m²
    € 385,000
    2 beds 2 baths 76 m²
    € 325,000
    3 beds 2 baths 97 m²
    € 269,000
    2 beds 2 baths 81 m²
    € 631,000
    3 beds 2 baths 123 m²
    € 345,000
    2 beds 2 baths 154 m²
    € 430,000
    3 beds 2 baths 116 m²
    € 730,000
    3 beds 2 baths 149 m²
    € 529,000
    3 beds 2 baths 133 m²
    € 319,000
    2 beds 2 baths 87 m²

 

  1. List your location criteria.

    Get back to our second article, ” Where are the best places for your Spanish property? ” and make sure all your location criteria are listed.

 

  1. List your property criteria.

    Of course, you will have the usual suspects: the size of the property, the number of bedrooms, a sea view, a pool, a terrace, or a garden?… Here are some other applicable property criteria: Position of the property vs its environment, Quality of the property, access to amenities, Layout of the property, Neighbours, Outdoor Spaces (Garden, Terrace, Pools,…), Natural light, Eco-friendly?, Community fees, Yearly maintenance costs, taxes

 

  1. Use our ranking system for comparing your future Spanish homes

    Ranking your property according to criteria will allow you to achieve three main objectives

    1. remove emotions
    2. help you to compare properties
    3. allow you to discuss and compare properties with your partner

    It is pretty valuable and easy to make.

    In this chapter, you will learn how to do the ranking. We will explain the general method here. In contrast, in the following 4 chapters, you will get specific data related to each particular Spanish property purchase: a second home, a first home to relocate, a home to retire in Spain, an investment property.
    Once you understand how our ranking system works, you can switch directly to the specific chapter that corresponds to your situation, which will also have quick guides. In those chapters, you will find a downloadable form with an example of how to rank your next property. You will need to adjust it according to your own criteria list and assign weights and ratings.

    The idea is simple: to create a weighted matrix containing the physical characteristics (pragmatic, rational) of the house, we will call them the Criteria, and you will assign an importance level (personal, irrational) or weights to each of them. Each person involved with the project should do the same.

     

    By listing those locations and property criteria in a table, you can compare the different properties and assign them a global score.

    The CRITERIA are rational and shouldn’t take into account your personal feelings (unless for one – see the PDF for example). They are listed beforehand by all the parties involved in the form of an exhaustive list of each of their criteria.

    For each of those criteria, you will give them.

    • WEIGHTS, indicating the importance of the criteria for the persons involved in the property search. – ranging from 1 to 10 (best). They are specified on the worksheet before visiting the property and are the same for all your potential properties.
    • RATINGS, which is your view on whether the criteria are fully met or not by this specific property, ranging from 1 to 10 (best). The ratings will be completed after visiting each property. The ratings are specific to each property.

    By multiplying WEIGHTS (1) and RATINGS (2), CRITERIA will get a personal score. By adding all these values, we will get an overall score for the property. This score has two subscores: a location score and a property score.

    To sum it up, here is the step-by-step guide to your ideal Spanish property:

    1. List the criteria for the ideal Spanish holiday home with all the people involved
    2. Give a WEIGHT for each criterion between 1 and 10. (10= important, 1= not important)
    3. Visit the potential properties, and each person involved gives RATINGS between 1 and 10 for all the criteria. (10= criteria met perfectly, 1 = bad)
    4. Compare the total scores for each property, rank them and compare with the results of other persons involved in the project.

    This process will help you to rationalise your property purchase and will remove some of the emotions involved. This is important as buying a second home in Spain is a significant investment.
    For further reading on this subject, read the fascinating article written by our B&B expert, Patrick: How to compare and select the perfect B&B in Spain?

 

  1. Compare your Spanish holiday homes – download the PDF form.

    Now that you know how to proceed, we did the work and created a downloadable PDF that’s easy to use, allowing you to compare different Spanish holiday homes. Once you have visited potential second homes, you can compare your ranking with the ranking of your partner. Start discussing your top three properties with your partner and make a choice. If you can’t, that’s because you’re not convinced yet, so keep searching.

    The top 6 location criteria for your Spanish second home

    1. Within 45 minutes of the Airport by car
    2. Is the weather what you want when you go (in the winter months)? Check our monthly weather statistics for the top 20 Spanish cities.
    3. Is the beach close to the property?
    4. If you play golf, are there any golf courses within a 20-minute drive by car?
    5. Discover the best new build projects located on a golf resort
      € 350,000
      3 beds 2 baths 106 m²
      € 273,000
      2 beds 2 baths 83 m²
      € 368,000
      3 beds 2 baths 103 m²
      € 315,000
      2 beds 2 baths 90 m²
      € 245,000
      2 beds 2 baths 83 m²
      € 335,000
      3 beds 2 baths 98 m²
      € 250,000
      2 beds 2 baths 90 m²
      € 420,000
      2 beds 2 baths 81.7 m²
      € 475,000
      3 beds 2 baths 101.9 m²
      € 490,000
      3 beds 2 baths 119.8 m²
      € 540,000
      3 beds 2 baths 129.2 m²
      € 530,000
      3 beds 2 baths 106.9 m²
      € 370,000
      2 beds 2 baths 88.9 m²
      € 440,000
      3 beds 2 baths 106.9 m²
      € 585,000
      3 beds 3 baths 162 m²
      € 348,000
      3 beds 2 baths 220 m²
      € 631,000
      3 beds 2 baths 123 m²
      € 345,000
      2 beds 2 baths 154 m²
      € 430,000
      3 beds 2 baths 116 m²
    6. Are restaurants close to the property?
    7. Most of the time, you want to relax with your family, so it’s good to have recreational and family activities available in the region.

    You will need to adjust this list with your location criteria for your ideal Spanish holiday home. Please take a look at the downloadable PDF at the end of this section for an exhaustive list of criteria and our ranking system for your future holiday homes.

    The top 7 property criteria for your ideal Spanish second home

    1. Your personal feeling
    2. Is the number of sleeping rooms & bathrooms corresponding to your expectations? Make it big enough, as you’ll always have friends visiting.
    3. Are the outdoor spaces corresponding to what you want? Garden, Terrace,… You will spend 90% of your time outside.
    4. If you want a pool, yes, it’s essential for cooling off during hot summers.
    5. Are the quality of construction and the layout of the property fine?
    6. Is the size of the property as you want?
    7. May I rent the property short term? Is it legal?

    Please have a look at our detailed ranking form in pdf and start now the ranking of all your potential holiday homes.

    Our downloadable PDF form for ranking your different Spanish holiday homes.Compare two different Spanish holiday propertiesHow to compare two Spanish second homes?

    Read our complete article on that subject: How to find the perfect holiday home in Spain?

    1. Compare investment properties in Spain – download PDF form.

      Now that you know how to rank properties (see bullet 9), here are our top criteria for finding the perfect investment property in Spain. You will find the downloadable PDF easy to use, allowing you to compare your different Spanish investment properties. Once you have visited potential investment properties, you can compare the ranking of each property. To compare investment properties, we have added a series of criteria: “investment criteria”.

      The top 7 investment criteria for investing in real estate in Spain:

      1. Own funds needed to invest
      2. Rental Yield
      3. Potential for value-adding creation
      4. Renovation costs
      5. Ease of selling in the future
      6. The uniqueness of the property
      7. Property Management costs

       

      The top 7 location criteria for your Spanish investment property

       

      1. Close to economic activities: city centre, companies,…
      2. Good public transport network, surely within 10 minutes on foot
      3. Close to universities and research centres
      4. A lot of restaurants in the neighbourhood
      5. Shops in the neighbourhood
      6. Close to tourist places (important if tourist rental)
      7. Strong demand for short-term rentals (if legal)

      You will need to adjust this list with your location criteria for your ideal Spanish investment property. Please refer to the downloadable PDF at the end of this section for an exhaustive list of criteria and our ranking system for future Spanish investment properties.

      The top 7 property criteria for your Spanish investment property

       

      1. The property price is aggressive vs the market.
      2. The size of the property is standard (not too big), i.e., approximately 80 m², which means it will be easy to resell and rent.
      3. Outdoor Spaces: Garden, Terrace,… As the weather is nice 320 days a year in Spain, people often live outside.
      4. Quality of construction / Layout of the property
      5. Personal feeling
      6. Yearly maintenance costs and taxes
      7. May I rent out my property on a short-term basis? It is not always legal to rent a property for a short term in Spain.

      Please review our detailed ranking form in PDF and start ranking all your potential investment properties now.

      Read our complete article on that subject: How to find the perfect investment property in Spain?

      Our downloadable PDF form for ranking your different Spanish investment properties.Compare two Spanish investment propertiesHow to compare two Spanish investment properties?

      1. Compare homes to relocate to Spain – download the PDF form

        Now that you know how to rank and compare properties (see bullet 9), here are our top criteria for finding the perfect home to relocate to Spain. You’ll find the downloadable PDF easy to use, allowing you to compare different homes. Once you have visited potential investment properties, you can compare the ranking of each property.

        The top 7 location criteria for your Spanish first home

         

        1. A lively neighbourhood 12 months per year. It should be active during the winter months.
        2. Commuting time to work and school is less than 40 minutes
        3. Plenty of shops within 10 minutes on foot
        4. Close to a good public transport network
        5. Does the cost of living in your Spanish city fit with your desires?
        6. Is the weather as you want 320 days per year? We all know why we want to live in Spain!
        7. A beach within 20 minutes reach by car. Let’s enjoy the weekends.

        You will need to adjust this list with your location criteria for your ideal first home. Please take a look at the downloadable PDF at the end of this section for an exhaustive list of criteria and our ranking system for your future Spanish home.

        The top 7 property criteria for your first Spanish home

         

        1. Your personal feeling
        2. Is the number of sleeping rooms & bathrooms corresponding to your expectations? Make it big enough, as you’ll always have friends visiting.
        3. If you want a pool, yes, it’s essential for refreshing during hot summers.
        4. Are the outdoor spaces corresponding to what you want? Garden, Terrace,… You will spend 90% of your time outside.
        5. Is the size of the property as you want?
        6. Are the quality of construction and the layout of the property fine?
        7. The property price is in line with the market.

        Please take a look at our detailed ranking form in PDF and start ranking all your potential first homes in Spain now.

        Our downloadable PDF form for ranking your new Spanish first home

        Criteria to compare two different homes to relocate to SpainHow to compare two Spanish First homes- relocate to Spain

        Read our complete articles on that subject: Why and how to relocate to Spain? How to find the perfect home to relocate to Spain?

        1. Compare homes to retire to Spain – download the PDF form

          Now that you know how to rank properties (see bullet 9), here are our top criteria for finding the perfect home to retire in Spain. You’ll find the downloadable PDF easy to use, allowing you to compare different Spanish homes. Once you have visited potential properties, you can compare the ranking of each property with other ones.

          The top 7 location criteria for your home to retire in Spain

          1. A secure Neighbourhood
          2. Close to family members
          3. A lively neighbourhood 12 months per year
          4. Shops are closed, and it’s less than 10 minutes on foot
          5. Proximity to excellent Hospital & care facilities
          6. Does the cost of living in the city fit with your desires?
          7. Recreational and social activities around?

          You will need to adjust this list to fit your location criteria for your ideal home in Spain. Please take a look at the downloadable PDF at the end of this section for an exhaustive list of criteria and our ranking system for your future Spanish home.

          The top 7 property criteria for your home to retire in Spain

          1. I think it’s time to think about yourself, no?
          2. Security: fence and/or entrance gate, advanced technologies, fire alarm
          3. Outdoor Spaces: Garden, Terrace,… You’re living at home more, so get it as you want it!
          4. Swimming pool (size,…) Sports, social life, and good eating habits are the best ways to maintain good health.
          5. The size of the property corresponds to your taste. You got it, not too small, not too big.
          6. Natural light
          7. Size of Sleeping rooms

          Please take a look at our detailed ranking form in PDF and start ranking all your potential homes for retirement in Spain now.

          Read our complete article on that subject: How to find the perfect home to retire in Spain?

          Our downloadable PDF form for ranking your home to retire to Spain

          Compare homes to retire to Spain

          How to compare two homes to retire to Spain

        2. Is it legal to rent your property on short-term leases?

          Most of the time, when you buy a Spanish holiday home, it’s for yourself. But yes, we have to admit it, there are costs associated with a second home. That’s why many of our customers, after a few years, decide to rent out their properties. The regulation varies in each region of Spain, which is why it is strongly recommended to consult with a local legal advisor. Don’t hesitate to check our network for real estate lawyers in Spain.
          Another point is that if you want to rent your property, you need a property management company to assist you. We will cover this subject in detail in our next article.
          Have a quick look at the different articles we wrote on that subject:
          Tourist rental in Spain: What is it? Is it legal?
          An update on the short-term rental regulation in Andalusia

         

        1. Visit properties at different times of day.

          Ideally, at different times of the year, too, but this one is more challenging. What we mean by that is that some villages are active only during the summer months and are dead in the winter months. That’s why, if you want to retire there, you should know in advance that you won’t find an open restaurant in November.
          The same idea is to visit your property at different times of the day and the week. We all know those calm pedestrian streets in the old city centres. In the morning, it’s quiet… From time to time, it’s peaceful, even in the afternoon and evening. But, for the same price, you get a lot of activity in the evening as bars open their doors for the evening.
          So, check it, it doesn’t cost a lot.

         

        1. A technical survey of your Spanish property could be a nice-to-have

          This is undoubtedly the case if you work on your own, without a real estate agent. You don’t have a technical background, and you know nothing about renovation. This could be a sage decision before pouring all your savings into that dream property. Our partner developed a network of Surveyors covering all of Spain. Don’t hesitate to ask for a survey.

         

        1. How do our partners help you with those first steps?

        We have a local mortgage broker dedicated to helping foreigners get mortgages. Ask for a free mortgage quote.

        Our property hunters are here to help you find the perfect property. More on that in the 3rd article: “How should you search for your dream property?”
        With our team of more than +100 local real estate partners, HowtobuyinSpain helps foreigners to buy real estate in Spain.The experts from our network are active in all the fields you need:

        1. Property finders
        2. B&B
        3. Lawyers
        4. Tax
        5. Architects
        6. Money Transfer
        7. Mortgage
        8. Holiday rental management
        9. Ensure your Spanish property
        10. Property survey
        11. Renovation

        Would you like to read further? Last year, we wrote detailed property buyers guides custom-made for any nationality. Here are our FREE PDF property buyers’ guides written for all the foreign nationalities looking to buy in Spain: Click on your country flag, and you will find your PDF report at the end of each article.

        This was the third article in our new series, “Our Complete Guide to Buying Your Property in Spain.“ In the final article, we will cover what you need to know as a real estate owner in Spain. 

 

Are you looking for a property lawyer in Spain? Follow the link and get one of our local lawyers. Looking for another real estate expert in Spain: Mortgage, Insurance, Survey of property, Property hunting, …? Contact one of our 100+ local partners!

 

Stéphane, Senior analyst and strategist at HTBIS

Stéphane, with over 20 years of experience in real estate, finance, and entrepreneurship, is the co-founder of www.howtobuyinspain.com. With an extensive network of local partners in Spain, his deep commitment to the real estate sector, strong analytical skills, and a problem-solving mentality have fueled his success. Constantly eager to learn and passionate about teaching, Stéphane believes in the power of knowledge-sharing to master any subject.

Check the entire HTBIS team here

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]]> https://howtobuyinspain.com/en/buy-property-in-spain/buying-spanish-property/feed/ 0 How to compare different Spanish holiday homes How to compare different Spanish investment properties How to compare different homes to relocate to Spain How to compare different homes to retire to Spain Find your real estate partner in Spain Stéphane co-founder of HTBIS What is the real cost of buying a Property in Spain in 2025? https://howtobuyinspain.com/en/buy-property-in-spain/cost-of-buying-your-spanish-property/ https://howtobuyinspain.com/en/buy-property-in-spain/cost-of-buying-your-spanish-property/#respond Sat, 15 Feb 2025 08:16:15 +0000 https://howtobuyinspain.com/?p=3530 Click on any flag to get an automatic translation from Google translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten     Congratulations, you found your Spanish dream property! What is the cost of buying a property in Spain? First question is: Is it a

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The post What is the real cost of buying a Property in Spain in 2025? appeared first on How to buy in Spain.

]]> Click on any flag to get an automatic translation from Google translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten

 

 

Congratulations, you found your Spanish dream property!

What is the cost of buying a property in Spain?

First question is:

  • Is it a new-build property?
  • Is it a resale?

Depending on your answer the cost will be slightly different but a good rule of thumb is 14%.

 

 

  1. The cost of buying a New-build property in Spain: +/- 14%

    • VAT =10%
    • Property registration fees = 1.5%
    • Lawyer between 1 and 2%:
    • Other costs: Notary, stamps,…

     

    The cost of buying a newbuild property in Spain

    The cost of buying a new build property in Spain

     

     

  2. The cost of buying a Resale property in Spain: will be between 10 and 14%

    • Transfer Tax = 6 to 10% at the general tax rate (but you have reduced rates in certain cases). This amount depends on which Spanish region this property is located.
    • Property registration fees = 1.5%
    • Lawyer between 1 and 2%
    • Other costs: Notary, stamps,…

     

    The cost of buying a resale property in Spain

    The cost of buying a resale property in Spain

    Don’t miss What is the legal due diligence for your Spanish property?

    Do you need a property lawyer or a tax advisor to assist you in Spain? Find a Spanish property lawyer in our network.

     

  3. Other costs to take into account

    • Banking costs: Usually a percentage of the amount wired + cost of holding an account
      • This could be very important if you don’t have a Euro account and need to convert your currency like Pound, Dolar, Yuan, Shekel, Ruble,… up to 3%
      • Our Tip: You have companies specialized in wiring funds internationally working with segregated accounts at the major international banks:

     

    1. You can lock a currency level

    => you will know the commission BEFORE wiring the money

    => you will know the level at which you will convert your currency in Euros BEFORE wiring the money

    => you will know the exact amount you need to wire in your local currency BEFORE wiring the funds

    2. You wire the money in your currency

    3. The company will wire the money in Euros in Spain on your Spanish account (Don’t forget your NIE, read our earlier paper on that) , your lawyer account,…

     

     

    • Mortgage costs:
      • Bank valuation of the property = +/- 750€
      • Mortgage deed = +/- 750€

 

If you want to check the monthly cost of your mortgage, or what is your purchasing power for a Spanish property, check our ultimate mortgage calculator!

Related Your definitive guide to your Spanish mortgage. How to get the best rates?

Do you want to find the best Spanish mortgage rates? Fill this quick form and ask our partner for a quote

 

  • Real Estate agent fee: Here is the good news you were waiting for: the seller is paying this one 😉 in general.

Before buying, you want to know what is the annual cost of owning a property in Spain? Read our paper on this subject.

All those information are from reliable sources. We advise you to check those with your fiscal and legal agent in order to get all those costs up to date and adjusted to your specific situation.

 

Is the cost of living in Spain higher than in your home country?

 

Have a look at our detailed article and study on the subject.

If you are living in UK, here is our dedicated article: Cost of living in Spain vs UK.

 

Have a look at our detailed property buyers guides custom made for any nationality

Here are our FREE pdf property buyers’ guides written for all the foreign nationalities looking to buy in Spain: Click on your country flag, you will find your pdf report at the end of each article. Get most of our tips there.

 

Do you want to start searching immediately?

 

Discover the best new build projects in Spain available right now
€ 320,000
2 beds 1 bath 61.3 m²
€ 313,000
2 beds 2 baths 61.3 m²
€ 540,000
3 beds 3 baths 191 m²
€ 520,000
3 beds 2 baths 109 m²
€ 345,000
2 beds 2 baths 97 m²
€ 435,000
3 beds 2 baths 114 m²
€ 350,000
3 beds 2 baths 106 m²
€ 273,000
2 beds 2 baths 83 m²
€ 368,000
3 beds 2 baths 103 m²
€ 315,000
2 beds 2 baths 90 m²
€ 245,000
2 beds 2 baths 83 m²
€ 335,000
3 beds 2 baths 98 m²
€ 250,000
2 beds 2 baths 90 m²
€ 420,000
2 beds 2 baths 81.7 m²
€ 475,000
3 beds 2 baths 101.9 m²
€ 490,000
3 beds 2 baths 119.8 m²
€ 540,000
3 beds 2 baths 129.2 m²
€ 530,000
3 beds 2 baths 106.9 m²
€ 370,000
2 beds 2 baths 88.9 m²
€ 440,000
3 beds 2 baths 106.9 m²
€ 367,000
3 beds 3 baths 177 m²
€ 262,000
3 beds 2 baths 84 m²
€ 242,000
2 beds 2 baths 72 m²
€ 277,000
2 beds 2 baths 73 m²
€ 255,000
3 beds 2 baths 85 m²
€ 220,000
2 beds 2 baths 71 m²
€ 240,000
2 beds 2 baths 80 m²
€ 280,000
3 beds 2 baths 88 m²
€ 585,000
3 beds 3 baths 162 m²
€ 348,000
3 beds 2 baths 220 m²
€ 355,000
3 beds 2 baths 100 m²
€ 385,000
2 beds 2 baths 76 m²
€ 325,000
3 beds 2 baths 97 m²
€ 269,000
2 beds 2 baths 81 m²
€ 631,000
3 beds 2 baths 123 m²
€ 345,000
2 beds 2 baths 154 m²
€ 430,000
3 beds 2 baths 116 m²
€ 730,000
3 beds 2 baths 149 m²
€ 529,000
3 beds 2 baths 133 m²
€ 319,000
2 beds 2 baths 87 m²

 

 

Don’t know where to buy? Start with our general article: Everything you ever wanted to know about the top 20 Spanish real estate markets

 

1. Best Professionals 2. Follow up 3. Competitive pricing 4. Partners 5. Qualitative Check

Get your insights right to your mailbox? Register for our newsletter!

 

Our Tip: Don’t forget all our checklists before buying your property:

Our reports on how to buy a property in Spain

Finally, if you want more, check our very useful infographic: The 9 legal steps to your Spanish property

 

Infographic the 8 steps to your spanish property

 

FAQ on the Cost of buying a property in Spain

Is buying property in Spain a good idea?

Spain is the number one country in Europe for holidays. It is 10% cheaper than Europe. Of course real estate is cheap as well and you have 320 days of sun. Read our article: 10+ reasons for buying a property in Spain.

How much is property purchase tax in Spain?

The cost of buying a property in Spain is between 10 and 15% depending on if it is a resale or a new build and where the property is located. Read our article for more on that.

Can I get residency in Spain if I buy a house?

In order to get residency in Spain, there are certain conditions attached to it (income, activity, nationality,...) So if you want to live in Spain and work in Spain, check with a lawyer. The Golden Visa could be the way to go as well. Read our article on that.

Do I need a Spanish bank account to buy a property in Spain?

The obvious answer is yes. You want to finance a property in Spain, you will have taxes, utilities, ... Get it right away. In order to open your bank account, you will need a NIE, see our news on that.

 

Looking for a property lawyer in Spain? Follow the link and get one of our local lawyer.

Looking for another real estate expert in Spain: Mortgage, Insurance, Survey of property, Property hunting, …? Ask us directly one of our 100+ local partner!

 

 

 

 

 

 

Stéphane

Senior analyst and strategist at HTBIS

Check the full HTBIS team here

 

 

The post What is the real cost of buying a Property in Spain in 2025? appeared first on How to buy in Spain.

]]> https://howtobuyinspain.com/en/buy-property-in-spain/cost-of-buying-your-spanish-property/feed/ 0 Costs of buying a newbuild property in Spain Costs of buying a resale property in Spain Get the best Euro rate Mortgage in Spain Cost of living for worldwide cities gbunitedkingdomflag_111699 degermanyflag_111762 nlnetherlandsflag_111906 Russia China Sweden Morocco Italy Belgium Belgium France Romania 5 Reasons to work with our experts in Spain 1. Best Professionals 2. Follow up 3. Competitive pricing 4. Partners 5. Qualitative Check Our reports on how to buy a property in Spain Infographic the 8 legal steps to your spanish property The 9 steps to your Spanish property Stéphane co-founder of HTBIS Our ultimate 2025 guide to buying your property in Spain https://howtobuyinspain.com/en/buy-property-in-spain/guide-to-buying-your-property-in-spain/ https://howtobuyinspain.com/en/buy-property-in-spain/guide-to-buying-your-property-in-spain/#respond Wed, 29 Jan 2025 08:41:32 +0000 https://howtobuyinspain.com/?p=20715   Click on any flag to get an automatic translation from Google Translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten   Our ultimate 2025 guide to buying your property in Spain   Since we started investing in the Spanish real estate market in 2012, we

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Click on any flag to get an automatic translation from Google Translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten

 

Our ultimate 2025 guide to buying your property in Spain

 

Since we started investing in the Spanish real estate market in 2012, we have built a network of local real estate experts and become the one-stop-shop solution for foreigners looking for help buying a property in Spain.

As foreigners, we built this network first to find the solution for ourselves… then to share our network and our experience with other foreigners.

In six years, our readership grew to more than 800,000 worldwide!

To assist you even better, we launched this new series of four articles so that you get all your answers and all our tips before going after your dream property. We will cover the subject with four main articles:

 

Too busy? Here is our quick-read summary:

 

The ultimate guide to buying your Spanish property – Our key insights.

  1. The article is the introduction guide for foreigners buying property in Spain, leveraging the authors’ expertise and network.
  2. It outlines the process for starting a property search, including setting objectives, budget, and home criteria.
  3. It lists the criteria you should use to compare the potential properties and avoid an emotional decision.
  4. Criteria differ for a first home, a second home or an investment property.
  5. Don’t miss our dedicated PDFs with our exhaustive lists of criteria for each case in our third article: The best search tips for buying your Spanish property
  6. It recommends working with local experts, such as property hunters and technical advisors, and obtaining an NIE (local tax number).
  7. To avoid pitfalls, the guide suggests hiring a real estate lawyer for legal aspects.

 

 

Our ultimate guide to buying your Spanish property, our 2 minutes video

Would you like to watch this video in your language? Click at the bottom right of the video on “cc” to get subtitles in your language.

 

But before going into more details about your property search in Spain, let’s answer some typical questions asked by our readers:

Is buying property in Spain a good idea?

Spain is one of the top destinations for property investment. It has 320 days of sun per year, a high quality of life, and low property prices compared to other European countries. Here are more than 10 reasons to buy a property in Spain.

 

 

Is it a good time to buy property in Spain in 2023?

Property prices were very strong before the financial crisis in 2008. They fell from 2013 to 2014, and since 2014, we have seen a nice rebound in terms of prices and activity. Have a look at our Spanish real estate outlook for 2023, and don’t miss our quarterly report on Spanish real estate prices for more on that.

 

What do I need to know about buying a property in Spain?

You can buy a property with good experts without being physically in Spain. We strongly advise you to work with a property hunter; a technical survey of the property could also be interesting. You also need an NIE (local tax number) and a bank account to buy your Spanish property. Read more on the NIE here: Your ultimate guide to your Spanish NIE number.

 

What are the pitfalls of buying property in Spain?

Buying a property in Spain isn’t expensive and easy if you are assisted by local experts speaking your language. To avoid any legal or technical risks, we strongly advise you to hire a real estate lawyer to ensure that all the legal aspects of the property are as expected. If you have doubts about the structure or technical aspects of the property, you can ask for a technical survey of the property. Last, a property hunter will help you avoid pitfalls and make the process easier, quicker, and even less expensive.

If you want to read more on that subject, Why do you need independent legal and tax partners for your property acquisition in Spain? and The 7 pitfalls of buying a property in Spain.

 

Now that the introduction is done let’s start with our first article on your search for Spanish property.

Here is the content we will cover:

How should you start your Spanish property search?

    1. Why would you buy a property in Spain?

      Buying a property abroad usually starts with one of two objectives: either enjoying a better quality of life (buying for yourself) or diversifying assets (investing). People looking to enjoy the Spanish lifestyle will either buy a second home, relocate, or retire in Spain. Don’t miss our article on working remotely from Spain.
      We will first assume that you purchased your property to enjoy a better quality of life. We will then review the pure investment case for diversifying assets.

    2. What are your objectives?

      To be efficient in your property search, don’t hesitate to list your objectives: most of the time, you are not alone in sharing this new dream and listing your goals is essential to finding the property fitting most criteria of all persons involved in the project. Is it a second home? Is it a first home? Is it a house or an apartment? Do you want it close to the beach? Do you want a pool? Do you want a garden? Do you want a terrace?… Each person involved in this project should list his objectives so you can draw a list of all the people involved.

    3. What is your budget?

      Of course, your budget will be the first thing to consider before searching for a property: how much can you spend? So, the first step before searching is valuing your assets. After that, you will check with your local banker to see if they can give you a mortgage for a property in Spain, and you will check if you can get a mortgage from a Spanish bank. Read our guide for more on this: Your ultimate guide to your Spanish mortgage. Most of the time, you don’t need a mortgage, but it could be wise for two reasons: better diversifying your assets, and it could diminish your taxes if you rent your property.

       

    4. The perfect criteria for your future dream home

       

      Buying for yourself?

      Second home or First home?

      Foreigners looking to buy a property in Spain usually purchase a Spanish second home to enjoy the sun 320 days per year for the quality of life and the beaches. Spain has a lot to offer. Spain is, for instance, ranked as the healthiest country in the world, in front of Italy and Iceland. There are many reasons for this, to give a few: higher life expectancy at birth, better health care system, Mediterranean diet, and better work-life balance,…

       

      Property criteria

      Criteria important for second-home buyers could be split into two main categories: location criteria and property criteria.

       

      Location criteria
      Property criteria
      • Number of sleeping rooms
      • Pool
      • Terrace
      • Specifics about the property
      • …

       

      First home Criteria

      If it is a first home, of course, your criteria will be different than if it is a second home.

      • Proximity to shopping is more important
      • Access to public transportation
      • An active neighbourhood 12 months per year and not only in the summer
      • School proximity could be important for families
      • Proximity to hospitals and other medical facilities could be important for people retiring

      Even if you buy your Spanish property as a second or first home and not as an investment property (to rent it), we would advise you to read the next section as a lot of foreigners forget that one day, they will need to sell their property. So, it is important to understand if the property would fit the local market or not.

      Buying as a real estate investment?

      Buy your property as an investment. Your criteria will be different than if you buy the property for yourself: your goal will be to secure a net return on your investment over your holding period.

       

      Investment criteria

      • Amount to invest: Make fair estimates of the cost to be invested in the property, including the property itself, renovation costs, furniture (if any), etc.
      • Mortgage costs. Read more on that in our detailed article: Find the best Spanish mortgage rates
      • Yearly costs related to the property: maintenance costs,
      • Costs associated with the management of your property: Many third parties are involved: access, cleaning, etc.
      • Fees related to the rental of your property: rental websites, local partners,…
      • Regulations: Rental regulations vary depending on the local regulations of local Spanish authorities. Short-term rentals are not always allowed. Read more on that: Tourist rental in Spain: What is it? Is it legal?
      • Taxes related to your property: most of the time you have to pay taxes locally and in your home country. Read more on that: What taxes must you pay on your Spanish property?
      • Don’t forget that you will need to sell your property later on: try to buy a property that is in demand on the market where you buy: Not too big, not too small, 2 bedrooms, with outside space like a garden or a terrace (even more since Corona), in a not too bad neighbourhood,…

      Have a look at one of our earlier articles on that subject: What return will you make on your Spanish property?

      The criteria for searching for your investment property in Spain will be different from those for your own property: if you buy a property for yourself, you will look for a property with specific characteristics: sea view, pool, etc. When you look for an investment property, other location and property criteria could come to mind.

       

      Location criteria

      As your goal will be either to rent your property to people living in the city or to tourists, some specific criteria will be important

      • Close to local transportation
      • Close to economic activities (Companies, universities, research centres, etc.)
      • Close to tourist activities in the case of tourist rental

       

      Property criteria

      • Go for a standard size
      • Try to buy a sound property

       

    5. How much does it cost to buy a property in Spain?

      The cost will vary depending on whether you are buying a resale or a new build, but a good rule of thumb is 14%. Read more in our detailed article: The cost of buying a Spanish property.

       

    6. How much does it cost to own a property in Spain?

      A good estimate is 0.7%, as we wrote in our detailed article: The cost of owning a Spanish property.

       

    7. How do our partners help you with those first steps?

      • We have a local mortgage broker dedicated to getting mortgages for foreigners. Ask for a free mortgage quote.
      • Our property hunters are there to assist you in finding the perfect property. More on that in the third article, “How should you search for your dream property?”

      With our team of more than +100 local real estate partners, HowtobuyinSpain helps foreigners to buy real estate in Spain.

      The experts from our network are active in all the fields you need:

      1. Property finders
      2. B&B
      3. Spanish property lawyers
      4. Spanish tax advisors
      5. Architects
      6. Money Transfer
      7. Mortgage
      8. Holiday rental management
      9. Ensure your Spanish property
      10. Property survey
      11. Renovation

       

 

Are you looking for a property lawyer in Spain? Follow the link and get one of our local lawyers. Looking for another real estate expert in Spain: Mortgage, Insurance, Survey of property, Property hunting, …? Contact one of our 100+ local partners!

 

Stéphane Senior analyst and strategist at HTBIS

Stéphane, with over 20 years of experience in real estate, finance, and entrepreneurship, is the co-founder of www.howtobuyinspain.com. With an extensive network of local partners in Spain, his deep commitment to the real estate sector, combined with strong analytical skills and a problem-solving mentality, has fueled his success. Constantly eager to learn and passionate about teaching, Stéphane believes in the power of knowledge sharing to master any subject.

Check the entire HTBIS team here

The post Our ultimate 2025 guide to buying your property in Spain appeared first on How to buy in Spain.

]]> https://howtobuyinspain.com/en/buy-property-in-spain/guide-to-buying-your-property-in-spain/feed/ 0 Why should you buy a second home in Spain? Infographic Mallorca 02 Mallorca 01 Find your real estate partner in Spain Stéphane co-founder of HTBIS Valencia beachside student investment property with direct access to rooftop https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/valencia-investment-property/ https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/valencia-investment-property/#respond Thu, 21 Nov 2024 12:59:37 +0000 https://howtobuyinspain.com/?p=46459 Click on any flag to get an automatic translation from Google Translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten   To provide insight into Valencia’s current property market, we asked our independent local property finder, Geoffroy, to share details about active deals in the

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To provide insight into Valencia’s current property market, we asked our independent local property finder, Geoffroy, to share details about active deals in the region. If you’d like more information, you can contact Geoffroy and his team, our local HowToBuyInSpain partners in Valencia, by filling out our quick contact form.

 

Valencia Property Investment: A Case Study of Student Housing Investment

In a market where prime student housing locations are increasingly scarce, Valencia continues to shine as one of Spain’s most promising investment destinations. As Spain’s third-largest city and home to over 100,000 students, Valencia offers a unique combination of academic excellence, Mediterranean lifestyle, and strong rental yields that savvy investors can’t ignore. The city’s ongoing urban renewal, particularly in historic districts like Cabanyal, presents an exceptional opportunity for those looking to enter the Spanish real estate market.

The transformation of Cabanyal from a traditional fishing quarter to a vibrant student neighbourhood mirrors successful regeneration stories seen in cities like Barcelona’s El Born or Madrid’s Malasaña. With Valencia’s universities expanding and international student numbers growing strongly yearly, the demand for quality student accommodation has never been more robust. Today, we present an investment opportunity that perfectly capitalizes on these market dynamics. Last but not least, Cabanyal is one of our favourite districts as it is 5 minutes from the beach and 5 minutes from universities.

The city of Valencia

Valencia, Spain’s third-largest city, combines historic charm with modern innovation. Located on the Mediterranean coast, it offers:

  • Rich cultural heritage with the historic Old Town (Ciutat Vella)
  • Modern attractions like the City of Arts and Sciences
  • Miles of beautiful Mediterranean beaches
  • The converted riverbed Turia Gardens, one of Europe’s largest urban parks
  • A thriving university population with multiple campuses

 

The Cabanyal District

Our featured property is located in the historic Cabanyal neighbourhood, known for:

  • Traditional fishermen’s quarter with unique architecture
  • 5-minute walk to Playa de las Arenas beach
  • Proximity to main university campuses
  • Excellent public transportation connections
  • Growing popularity among students and young professionals

 

Map showing streets and locations in Valencia, Spain, with a red location pin near "La Taberna Casera." Nearby landmarks include beaches and diverse restaurants. Ideal for exploring or even considering Costa Dorada property for sale in the vibrant area.

The situation of the apartment

Featured Investment Property: Student housing opportunity

  • 66m² Living Space
  • 7.50% Gross return
  • €41,000 Below Market Value

 

Floor plan of the property

Floor plan of a Costa Dorada property for sale featuring a bathroom, kitchen, living room, entrance, three rooms, and two balconies. Measurements in square meters are provided for each area.

Property Highlights

  • Three bedrooms (2 with private balconies)
  • Direct access to shared rooftop terrace
  • Built-in 1967
  • Third-floor location (one floor under this nice shared rooftop… but as you are just under it, most of the time, no one will use it apart from you 😉 )

 

A flat rooftop with a red surface and a satellite dish overlooks the breathtaking cityscape of Costa Dorada, where buildings meet a partly cloudy sky at sunset—a perfect vista for those seeking property for sale.

  • Complete renovation package included

 

Pictures of the property

A charming four-story building, perfect for anyone looking for a Costa Dorada property for sale, showcases laundry on its balcony railing. Its brick and stucco facade overlooks the bustling street below on a sunny day. A small, sparsely furnished room in a Costa Dorada property for sale features a white fridge, fan, and table. The beige walls complement a door leading to the kitchen area with wooden cabinets. A clock hangs on one wall. A charming kitchen with wooden cabinets, a gas stove, and granite countertops graces this Costa Dorada property for sale. The open cupboard offers easy access while cleaning supplies and a trash bag await tidying. This Costa Dorada property for sale features an empty room with pink walls and a tiled floor. Disassembled bed frames are leaned against the walls, while a sliding glass door opens to a balcony. An air conditioning unit is mounted on the wall, adding modern comfort to this charming space.

Financial Breakdown

  • €157,000 property price. In our view, you should negotiate the price lower, but it depends on your willingness to get the deal done/ risk losing the deal.
  • €28,000 renovation cost estimation. In our view, this is a bit aggressive, and maybe you should consider a stronger renovation, but why not negotiate harder on the price to compensate?
  • €1,400 Estimated monthly rental income

 

Annual Operating Costs

  • Property Tax (IBI): €190
  • Home Insurance: €280
  • Community Fees: €492
  • Total Annual Costs: €962

 

Rental Strategy

  • Two standard rooms at €450/month each
  • One premium room at €500/month
  • Total Monthly Income: €1,400

 

Recap of Investment Analysis

As Valencia continues its upward trajectory, opportunities like this become increasingly rare. The location, value, and potential return combination make this Cabanyal property a compelling investment case. While the €41,000 below-market price point provides immediate equity, the real value lies in the property’s strategic position within Valencia’s growing student housing market.

The comprehensive support offered by Geoffroy and his team, from renovation to rental management, ensures investors can confidently enter this market with professional guidance at every step. With Valencia’s student population expected to grow over the next five years and the city’s profile rising internationally, the timing for this investment opportunity couldn’t be better.

This property offers immediate returns and strong potential for capital appreciation for investors seeking to build a resilient portfolio in Spain’s dynamic student housing market. The combination of historic charm, modern amenities, and proximity to the beach and campus creates an irresistible proposition for the growing student rental market.

Contact us today to learn more about this unique investment opportunity and to schedule a viewing. With our team at HowtobuyinSpain and our local partner Geoffroy, we are ready to guide you through every step of your investment journey in Valencia.

 

Here are all the financial details summary

Table showing Costa Dorada property costs and annual rental income. Total project cost with renovation is €223,796; annual income is €16,800. Other costs include IBI, insurance, and community fees.

Disclaimer: All returns are projections based on current market conditions. Property investment carries inherent risks, including potential changes in market conditions, rental rates, and regulatory environment. Investors should conduct their due diligence and consider their circumstances before making investment decisions.

 

About Geoffroy, our local property hunter

 

Smiling man with neat hair and glasses, wearing a light blue shirt.

Geoffroy is our local property finder in Valencia and the Costa de Valencia.

He specializes in:

  • Property sourcing and acquisition
  • Renovation project management
  • Rental management services
  • Investment strategy and analysis

 

For more information about this unique investment opportunity in one of Spain’s most dynamic student markets, fill out this quick form.

 

Are you looking for a property hunter, a lawyer, an architect, or a local expert in Spain? Ask our network of independent local experts directly!

Check the entire team of HTBIS or check our independent local partners

Are you looking for a property hunter, a lawyer, an architect, or a local expert in Spain? Ask our network of independent local experts directly!

 

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]]> https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/valencia-investment-property/feed/ 0 Valencia situation Valencia Apartment floorplan Valencia Apartment rooftop A charming four-story building, perfect for anyone looking for a Costa Dorada property for sale, showcases laundry on its balcony railing. Its brick and stucco facade overlooks the bustling street below on a sunny day. A small, sparsely furnished room in a Costa Dorada property for sale features a white fridge, fan, and table. The beige walls complement a door leading to the kitchen area with wooden cabinets. A clock hangs on one wall. A charming kitchen with wooden cabinets, a gas stove, and granite countertops graces this Costa Dorada property for sale. The open cupboard offers easy access while cleaning supplies and a trash bag await tidying. This Costa Dorada property for sale features an empty room with pink walls and a tiled floor. Disassembled bed frames are leaned against the walls, while a sliding glass door opens to a balcony. An air conditioning unit is mounted on the wall, adding modern comfort to this charming space. Valencia Financials Costa Valencia property finder Costa Valencia property finder Murcia property investment: 3 case studies https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/murcia-property-investment/ https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/murcia-property-investment/#respond Sat, 01 Jun 2024 13:04:46 +0000 https://howtobuyinspain.com/?p=18393 Click on any flag to get an automatic translation from Google translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten   Murcia property investment: our 3 case studies   Our two local property finders, Katerin and Caroline, are proud to share with you their last

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]]> Click on any flag to get an automatic translation from Google translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten

 

Murcia property investment: our 3 case studies

 

Our two local property finders, Katerin and Caroline, are proud to share with you their last property searches.

 

Some of our last missions

A “retirement home” in the countryside of Murcia

  • Buyer: a couple from Hampshire, England
  • Property: This is a semi-detached property with great views of the surrounding countryside.

A desirable family home with beautiful palm trees, a well-built property, which was a classic farmhouse.

It has 3Bed, 1 Bath and one Pool
It is set in a plot of 3,500 m2 which has many orchards: almond, olive, lemon and orange, trees and also large palm trees.

  • Neighbourhood: A few more km to the large town of Fuente Alamo and 20 minutes to the beaches of Mazarron, Isla Plan and Azohia., 30 minutes to the towns of Cartagena and Murcia and 20 minutes to the international airport of Corvera.
  • Goal: retirement home in the countryside of Murcia.
  • Budget: € 67,000

 

A Murcia property investment with a palm tree in front of the house. A hallway with a painted branch, perfect for retire in Murcia. A backyard swimming pool in Mazarron, Murcia real estate for retirees.

 

A “retirement home” in the countryside of Mazarrón

  • Buyer: a couple resident in Spain bought a larger house with land to cater for their dogs.
  • Property: A detached farmhouse fully walled and fenced with 300 m2 built set in a plot of 1500 m2,

3bed, 2bath (one ensuit), annex, pool

  • Neighbourhood: It is in a great location with views of mountains, Countryside and Almond groves.

It is 20 min to the Corvera international airport, 15 min from the nearest golf course 5 min from Local village with shops bars medical center. 20 min to the sandy beaches of Mazarron.

  • Goal: retirement home in the countryside of Murcia.
  • Budget: € 90,000

 

A “beach home” in the Region of Murcia

  • Buyer: a couple resident in Spain moving from the countryside to the beach
  • Property: A large corner detached house in Bolnuevo, Mazarrón

The house, built with passion, by a French architect, for its own use, taking into account all safety measures and services.

4 bedrooms, 2 baths, private garage & storage

  • Neighbourhood: in an amazing location a walk away from the coast and beaches with views of the Mediterranean and mountains from the master bedroom and from the sitting room.

What could be more idyllic than waking up and having breakfast in your balcony while you enjoy breath taking sea and mountains views!

  • Goal: Enjoy life
  • Budget: € 189,000

 

 

 

Discover the must do activities of the Costa Calida

 

This article is written by Katerin and Caroline, our property finders in Murcia.

 

If you want to read more on Murcia, here are two interesting articles:

 

Check the full profile of Katerin and Caroline, our Property hunter in Murcia

 

 

 

 

 

 

Katerin and Caroline

Find a property finder anywhere else in Spain within our network

Looking for a property hunter, a lawyer, an architect,… a local expert in Spain? Ask us directly!

Check the full team of HTBIS here

The post Murcia property investment: 3 case studies appeared first on How to buy in Spain.

]]> https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/murcia-property-investment/feed/ 0 Mazarron 1 A Murcia property investment with a palm tree in front of the house. A hallway with a painted branch, perfect for retire in Murcia. A backyard swimming pool in Mazarron, Murcia real estate for retirees. Murcia property 1 Murcia property 2 Mazarron property 1 Mazarron property 2 Mazarron property 3 Costa Calida map Know everything on the Costa Calida: its Airports, its AVE stations, its Cities and villages, its shopping places: Traditional & Flea markets, Outlets and shopping malls. What should you visit? The Unesco sites, the parks for kids, the green parks, the golf courses, the universities and last but not least the top beaches. Check our infographic. Caroline KATERINE Buying property in Spain? Easy with our 2025 Guide https://howtobuyinspain.com/en/buy-property-in-spain/buy-property-in-spain/ https://howtobuyinspain.com/en/buy-property-in-spain/buy-property-in-spain/#respond Thu, 28 Mar 2024 16:09:59 +0000 https://howtobuyinspain.com/?p=2509

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Click on any flag to get an automatic translation from Google Translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten

 

Buying property in Spain is very easy

Spain is the number one destination for tourists in Europe. So, not a surprise that many foreigners decide to buy property there.

Buying a property in Spain is not too difficult: you can do it alone, but it is strongly advised to work at least with a local real estate lawyer. Of course, local professionals like local property hunters are nice to have.

Before starting our full review on how to buy your Spanish property, we give you three easy-to-use summaries on the subject:

  • Our downloadable step-by-step infographic with all the issues we will cover
  • Our summary of the key insights you will learn in this article
  • Our 2-minute video on the subject (if you are on the go)

 

Our downloadable step-by-step guide on how to buy your property in Spain

 

Too busy? Here is our quick-read summary and our 2-minute video:

 

How to buy a property in Spain?  Our key insights

  1. Eligibility for foreigners: Expats can buy property in Spain. It’s advisable to consult a legal professional throughout the process to ensure compliance with Spanish laws. For certain foreigners, a Golden Visa is available to facilitate living in Spain.
  2. Cost of Property: The cost of buying property in Spain averages at about 15% of the property’s value, which includes taxes.
  3. Best Places to Buy: Choice of location depends on personal preference and intended use of property. Popular regions include Andalusia, the Valencian Community, Catalonia, and the Balearic and Canary Islands.
  4. Spanish Property Market: The Spanish property market has seen a recovery in recent years. By early 2024, property prices in Spain averaged €1.835 per square meter.
  5. Homeownership Vs Renting: Deciding between buying or renting in Spain involves considering income level, interest rates, rental prices and the general economic situation. Each individual’s circumstances will determine the best choice.
  6. Finding Property: Several resources are available to aid in finding the ideal property in Spain. These include guides on starting a Spanish property search, determining the best places to buy, and checklists for different buyer profiles.
  7. Working with a Property Hunter: A local property hunter can offer expertise, negotiate the best deal, save time, protect buyer’s interests, assist with language barriers, and provide post-purchase support.
  8. Legal Adviser: It’s advisable to work with a real estate lawyer to ensure the property purchase is watertight and avoid potential issues.
  9. New-Build Homes: Spain offers advantages for those looking to purchase a new-build home. Abundant plots, high-quality materials, and affordable labor costs are some benefits.

 

Buying property in Spain, our 2-minute video

Would you like to watch this video in your own language? Click at the bottom right of the video on “cc” to get subtitles in your language.

 

 

After this quick introduction, let’s give you all our useful resources on how you should buy your property in Spain to enjoy a nice and safe journey.

#1 May foreigners buy property in Spain?

Yes, foreigners and expats may property in Spain. Spain welcomes foreign buyers, including expatriates, who are interested in purchasing property within the country. There are no specific restrictions or limitations on property ownership for expats in Spain. However, it is advisable to seek professional legal advice and guidance throughout the purchasing process to ensure compliance with Spanish laws and regulations.

For some countries, it is more tricky to buy and/or stay in Spain for a long period of time. The good news is that Spain has created a Golden Visa for foreigners looking to invest in Spain.  Don’t miss our detailed article for more on that subject: Golden Visa in Spain: Your ultimate guide!

 

#2 What are the costs of buying a property in Spain?

Your first question before buying your property will be: Does it cost a lot to buy a property in Spain?

On average the cost of buying a property in Spain will be close to 15%. As in many countries, they are taxes involved with your property purchase.  We wrote a paper to give you the detailed answer: “The cost of buying a property in Spain“.

 

 

#3 Best places to buy a property in Spain for foreigners

 

There are many beautiful regions in Spain. Everybody can find what he is looking for. Depending on your personal project, you could decide on one region rather than another: for instance, if you want to stay all the winter months in Spain, the canary islands could be a nice location if you want at least 20 degrees. In order to help you zoom in on the best Spanish region, we wrote a detailed article on that subject: Where are the best places to buy a property in Spain?

It discusses the choice between a sea view or a countryside setting, with the majority of foreigners preferring properties near the beaches. The popular regions for property purchases are Andalusia, the Valencian Community, Catalonia, and the Balearic and Canary Islands.

A few questions and ideas to help you:

  • When do you want to stay in Spain? Which period of the year? Which weather do you like?
  • How often? The proximity of an Airport?
  • Do you have a good budget? The countryside is cheaper. See the next item in the article on the “Spanish property market”.
  • What is your property use? Second homes, first homes for relocation or retirement, and investment properties

We advise you to read our detailed articles on all the Spanish Costas and of course, visit different areas in Spain.

If this could help, here is our article on where foreigners love to buy properties in Spain.

 

The Spanish property market and property prices

The Spanish property market experienced a significant boom in the early 2000s, fueled by a combination of factors such as favourable mortgage lending conditions, increased demand, and a growing economy. However, the market faced a major downturn during the global financial crisis in 2008, leading to a sharp decline in property prices and a rise in mortgage defaults. At the top in 2007, property prices were valued at €2.100 per square meter while it reached the bottom in 2014 when it went under €1.400 per square meter for the Spanish national average.

In recent years, the Spanish property market has shown signs of recovery, with increased demand from both domestic and foreign buyers. Factors such as low-interest rates, favourable lending conditions, and improved economic conditions have contributed to the growth in homeownership. Additionally, government initiatives and incentives, such as tax benefits for first-time buyers, have aimed to stimulate the housing market. So, as of early 2024, property prices in Spain are back to €1.835 per square meter.

Don’t miss our detailed article on that subject covering all the real estate prices of the major Spanish cities.

Beach of Los Muertos, Cabo de Gata-Níjar Natural Park, UNESCO Biosphere Reserve, Hot Desert Climate Region, Almería, Andalucía, Spain, Europe

Homeownership in Spain

Homeownership in Spain is very high vs other European countries. Owning a property is considered an important goal for many Spaniards, and it is seen as a sign of stability and financial security. According to statistics, around 78% of households in Spain were homeowners as of 2021. This means that there are fewer rental properties on the market and maybe a lower turnover as well on properties. To compare with other European countries: Italy has homeownership above 70% and France and United Kingdom are above 60% while Germany is just above 50%.

It is worth noting that the homeownership rate varies across different regions of Spain. In urban areas and larger cities, such as Madrid and Barcelona, there is a higher prevalence of renting due to factors like higher property prices and a more transient population. On the other hand, in rural areas and smaller towns, homeownership rates tend to be higher.

Overall, while homeownership remains a popular choice in Spain, renting is also common, particularly among younger generations and those living in urban areas. The decision to buy or rent a property depends on individual circumstances, financial considerations, and personal preferences.

 

Should you buy or rent property in Spain?

Deciding whether to buy or rent property in Spain involves considering various economic factors, including the level of income, interest rates, rental prices and the general economic situation. Here’s a breakdown of how these factors can influence your decision:

Level of Income: The level of income is a crucial factor in determining whether buying or renting is more feasible. Generally, higher income levels provide more flexibility and affordability for purchasing a property.

Interest Rates: Interest rates play a significant role in the affordability of buying a property. When interest rates are low, borrowing costs decrease, making mortgages more affordable. If interest rates are low in Spain, it can be advantageous to buy since you can secure a favourable mortgage rate, potentially resulting in lower monthly mortgage payments compared to high rental prices. On the other hand, if interest rates are high, renting may be a more financially reasonable option as it avoids taking on a mortgage with unfavourable borrowing costs.

Rental Prices: Rental prices in Spain vary depending on the region, property type, and demand. Comparing rental prices to the cost of buying a similar property is essential.

General economic situation: Is your job stable? Are property prices expensive or not at a nationwide level? Vs international cities? Is the economy growing? What about inflation?

Ultimately, the decision to buy or rent in Spain depends on personal circumstances, financial stability, long-term plans, lifestyle preferences and the economy in general. It is always wise to discuss this further with financial and real estate advisors.

 

Don’t worry there are bank properties for all budgets in Spain. If you are on a tight budget, we give you direct access to Spanish bank properties.

Short-term (holiday) lets

Before buying a property, you can rent a property. Each Spanish region has its own regulation on short-term rentals. So, if you want to invest in a property for short-term rentals, it is wise to double-check with a legal advisor.

Yacht berth in Barcelona. Spain

 

#4 How can I find my dream property in Spain?
What is your ideal property?

 

Buying property in Spain alone

We wrote a detailed guide on that with different sections helping you to find your ideal home in Spain, whatever your goal is: relocation, remote working, investment, second home, retiring to Spain… We have you covered.

Here is the link to this major study: Our ultimate guide to buying your property in Spain if you want to start your property search in Spain

Here is what you will learn in our detailed study:

  • The article is a guide for foreigners buying property in Spain, leveraging the authors’ expertise and network.
  • Spain is a top property investment destination due to its climate, lifestyle, and affordable prices.
  • The guide answers questions about the property buying process in Spain.
  • It recommends working with local experts as property hunters, and technical advisors, and obtaining an NIE (local tax number).
  • To avoid pitfalls, the guide suggests hiring a real estate lawyer for legal aspects.
  • It lists the different criteria you should use to compare the different potential properties and avoid an emotional decision.
  • It outlines the process for starting a property search, including setting objectives, budget, and home criteria.

 

That study is followed up by four detailed articles so that you get all your answers and all our tips before going after your dream property: You will start with this one: How should you start your Spanish property search?

Once you will find a few properties that are meeting your criteria, you will need to compare those.

 

Property Purchaser’s checklist

In this article, The best search tips for buying your Spanish property we have created a dedicated checklist for each buyer profile: second home, relocate, investment property, retire in Spain. With those downloadable pdf, you will be able to compare your top properties by all the different persons involved in this project thanks to useful criteria and a perfect ranking system taking emotions out of the decision.

On top of that, we give you all the most important criteria according to us each real estate use: second home, investment property, relocate, retire,…

Fishing Port, Mutriku Harbour, Old Town, Mutriku, Guipúzcoa, Basque Country, Spain, Europe

 

How to compare and rank different properties to make the best choice?

Use our ranking system for comparing your future Spanish homes

Ranking your property according to criteria will allow you three main objectives

  1. remove emotions
  2. help you to compare properties
  3. allow you to discuss and compare properties with your partner(s)

The idea is simple: to create a weighted matrix containing the physical characteristics (pragmatic, rational) of the house, we will call them the Criteria and you will give each of them an importance level (personal, irrational) or Weight. Each person involved with the project should do the same.

Listing those locations and property CRITERIA in a table will help you for comparing the different properties visited by giving them a global score.

The CRITERIA are rational and shouldn’t take into account your personal feelings (unless for one). They are listed beforehand by all the parties involved in the form of an exhaustive list of each of their criteria.

How to compare two second homes in Spain before purchasing the good one?

How to compare two second homes in Spain before purchasing the good one?

 

#5 Finding the perfect property with a local property hunter

It is very wise to work with local property finder as you can see, there are many benefits of working with a property hunter:

  1. Market Knowledge: Property finders have extensive knowledge of the market, prevailing prices, neighbourhoods, and reliable partners.
  2. Cost Savings: A property finder negotiates the best deal for you, potentially saving you a significant amount of money.
  3. Time Savings: Property finders search the market on your behalf, saving you time and effort. They have contacts and can make multiple visits in a day.
  4. Protection of Interests: Property finders work for the buyer, ensuring their interests are protected throughout the buying process.
  5. Language Assistance: Property finders speak both Spanish and your language, bridging the communication gap and facilitating the process.
  6. Post-Purchase Support: Property finders assist with tasks like opening utility meters, contacting property owners, paying taxes, and finding local partners for renovations or property management.

Using a property finder streamlines the property search process, saves time and money, provides market expertise, and offers support throughout the entire buying process.

Find a local property hunter in our network and read more on that here.

 

#6 Don’t forget the legal adviser

Buying a property in Spain alone is perfectly fine, but we always strongly advise working with a real estate lawyer as we wrote in our article. If we should cite only one reason, the lawyer will make sure that your property purchase is watertight as the notary is not legally obliged to check different potential issues with the property.

Seascape from Peña Furada Viewpoint, Ortigueira, A Coruña, Galicia, Spain, Europe

 

#7 Buying a new-build home in Spain

When considering the purchase of a new build property, Spain offers three significant advantages. Firstly, Spain stands as Europe’s leading source for a wide range of high-quality materials, including tiles. Secondly, the cost of labour is reasonably affordable. Lastly, the country’s expansive size and extensive coastline make it an ideal location for development, offering abundant plots for construction projects.

Discover the best new build projects in Spain available right now
€ 320,000
2 beds 1 bath 61.3 m²
€ 313,000
2 beds 2 baths 61.3 m²
€ 540,000
3 beds 3 baths 191 m²
€ 520,000
3 beds 2 baths 109 m²
€ 345,000
2 beds 2 baths 97 m²
€ 435,000
3 beds 2 baths 114 m²
€ 350,000
3 beds 2 baths 106 m²
€ 273,000
2 beds 2 baths 83 m²
€ 368,000
3 beds 2 baths 103 m²
€ 315,000
2 beds 2 baths 90 m²
€ 245,000
2 beds 2 baths 83 m²
€ 335,000
3 beds 2 baths 98 m²
€ 250,000
2 beds 2 baths 90 m²
€ 420,000
2 beds 2 baths 81.7 m²
€ 475,000
3 beds 2 baths 101.9 m²
€ 490,000
3 beds 2 baths 119.8 m²
€ 540,000
3 beds 2 baths 129.2 m²
€ 530,000
3 beds 2 baths 106.9 m²
€ 370,000
2 beds 2 baths 88.9 m²
€ 440,000
3 beds 2 baths 106.9 m²
€ 367,000
3 beds 3 baths 177 m²
€ 262,000
3 beds 2 baths 84 m²
€ 242,000
2 beds 2 baths 72 m²
€ 277,000
2 beds 2 baths 73 m²
€ 255,000
3 beds 2 baths 85 m²
€ 220,000
2 beds 2 baths 71 m²
€ 240,000
2 beds 2 baths 80 m²
€ 280,000
3 beds 2 baths 88 m²
€ 585,000
3 beds 3 baths 162 m²
€ 348,000
3 beds 2 baths 220 m²
€ 355,000
3 beds 2 baths 100 m²
€ 385,000
2 beds 2 baths 76 m²
€ 325,000
3 beds 2 baths 97 m²
€ 269,000
2 beds 2 baths 81 m²
€ 631,000
3 beds 2 baths 123 m²
€ 345,000
2 beds 2 baths 154 m²
€ 430,000
3 beds 2 baths 116 m²
€ 730,000
3 beds 2 baths 149 m²
€ 529,000
3 beds 2 baths 133 m²
€ 319,000
2 beds 2 baths 87 m²

 

#8 Moving into your Spanish property

Our checklist for a new property owner in Spain

Yes, you did it, you bought your property. Now, you have some easier task to set up like opening utilities and so on…

The 18 things to do as a new property owner in Spain 

Barcelona City in Spain seem from the air, showing the impressive architecture and block systems of the apartments and offices in the busy Spanish metropolis

Cost of Owning a home in Spain

Of course, a property is an investment and it means that you have costs for the property. We calculated for an apartment in Barcelona that costs are between 0.5% and 1% of the property price on a yearly basis.

Does it cost a lot as an owner of a Spanish property? Check our paper: “The cost of owning a property in Spain“.

Yes of course you got it… Taxes again: What taxes do you have to pay on your Spanish property?

 

#9 The 9 Steps to buying your Spanish property

In order to complete this review on the buying process of your property in Spain, in this section, you will have a closer look at all the different practical steps before you become an owner in Spain.

if you prefer, listen to our 2 min 30 seconds Video on the 9 steps to buying your Spanish property:

  1. Get your NIE “Número de Identificación de Extranjeros”

    It is a unique tax identification number in Spain for anyone who isn’t a Spanish citizen. You will need your own NIE number to purchase property and pay the necessary taxes! So it’s wise to apply for this as soon as you start looking for properties.

    You can get it in person or via a third party. You can get it in Spain or in your home country at a Spanish Consulate. You need to ask one for your spouse as well if you buy together.

    Read our article on this: “Your ultimate guide to your NIE number“.

     

  2. Find a lawyer speaking your language and Spanish

    Your first step will be to find a reliable independent lawyer who is specialized in Spanish land and property law. Unless you speak fluent Spanish, you should find a lawyer speaking your mother tongue. More on that here: What is the legal due diligence for your Spanish property?

    Looking for a property lawyer in Spain? Check all our partners here!

     

  3. Open a Bank account

     

    With your NIE and all your documents, it is easy to open a bank account in Spain. Pay attention if you are buying from outside the Eurozone. Your local bank could charge high costs to convert your local currency into Euros or wire funds to Spain. We found a good partner to assist you in a cost-efficient manner, read our detailed paper for more on that: How to pay for your Spanish property in Euros – € while you live in a non-Euro country?

     

  4. Do you need a mortgage?

    If the answer is yes, it’s time to start working on it. You can get a mortgage either

    • from your home country
    • or from Spain

    Ask for a mortgage from one of our partner

    Read our step-by-step article with all the information you need: Your Spanish Mortgage: How to apply? How to get the best rates?

     

  5. Sign the “contrato de Reserva”

    The “contrato de Reserva” expresses your intent to purchase and remove the property from the market, it is the reservation contract. In general, you will need to pay a holding fee of €3000 to 6000. Funds are held in escrow for 14 to 21 days and you have the time to do checks on the property during that period. At the same time, a purchase contract will be drawn up and legal checks carried out.

    => This contract is very important, don’t sign without including provisions so you can exit the contract.

    => Cash ideally held by a reliable third party

     

  6. Important checks of the property with experts

    1. the land registry, « Registro de la Propriedad»
    2. the appropriate planning permission has been obtained
    3. No outstanding debts attached to the property
    4. the Community of owners documents’
    5. the property is as described and structurally sound

    Looking for an expert in Spain? Ask us directly!

     

  7. Get your mortgage confirmed

    Have a look at our reports on this subject:

     

  8. Sign the “contrato de Arras”

    It is the private purchase contract called as well “Contrato Privado de Compraventa”.

    You will need to pay your deposit of 10% of the property within 10 days.

    As soon as the necessary legal checks have taken place, you will be required to sign the private purchase contract which will state the full price of the property.

     

  9. Go to the Notary to sign the contract for the purchase of the property

    At the completion stage, all parties connected with the selling and purchasing of the property must be in attendance to sign at the offices of Notaria Publica. This includes your lawyer, mortgage provider (if applicable) and the seller or their legal representative. Before signing you should ensure you have a thorough understanding of all the costs involved and have sufficient funds to cover payments, fees and taxes.

     

Now that you know all the different steps, let us help you with how to do it in an easy way.

#10 Useful resources

For further reading:

 

Here are our FREE pdf property buyers’ guides written for all the foreign nationalities looking to buy in Spain:

Click on your country flag, you will find your pdf report at the end of each article. Get most of our tips there.

 

 

 



Stéphane
Senior analyst and strategist at HTBIS

Stéphane, with over 20 years of experience in real estate, finance and entrepreneurship, is the co-founder of www.howtobuyinspain.com. With an extensive network of local partners in Spain, his deep commitment to the real estate sector combined with strong analytical skills and a problem-solving mentality have fueled his success. Constantly eager to learn and passionate about teaching, Stéphane believes in the power of knowledge sharing to master any subject.

Check the full HTBIS team here

 

FAQ Buying property in Spain

Is buying property in Spain a good idea?

There are many reasons for buying a property in Spain: one of the first is that real estate is cheap and the cost of life is low. Of course, you need a Beach and 320 days of Sun. But there are many others, that's why Spain is the number one tourist destination in Europe

What taxes do you pay when buying a property in Spain?

The taxes for buying a property in Spain are different depending on the fact that it is a resale or a new build. Each region in Spain as well as some tax authority. The rule of thumb is that taxes are between 10 and 15%. Read our dedicated article on that: What is the cost of property acquisition in Spain?

How long does it take to buy a house in Spain?

Buying a house in Spain can be done in one day. But if you want to do proper due diligence and if you want a mortgage it should be about 10 weeks.

Can foreigners buy real estate in Spain?

Yes foreigners can purchase a property in Spain. In order to do that, they need a NIE. Read more in our article: the 9 steps to your Spanish property

The post Buying property in Spain? Easy with our 2025 Guide appeared first on How to buy in Spain.

]]> https://howtobuyinspain.com/en/buy-property-in-spain/buy-property-in-spain/feed/ 0 Buying property in Spain – Step by step guide Golden Visa in Spain Costs of buying a property in Spain Beach of Los Muertos, Cabo de Gata-Níjar Natural Park, Spain Beach of Los Muertos, Cabo de Gata-Níjar Natural Park, UNESCO Biosphere Reserve, Hot Desert Climate Region, Almería, Andalucía, Spain, Europe Harbor in Barcelona Yacht berth in Barcelona. Spain Fishing Port, Mutriku Harbour, Mutriku, Spain Fishing Port, Mutriku Harbour, Old Town, Mutriku, Guipúzcoa, Basque Country, Spain, Europe How to compare different Spanish holiday homes Seascape from Peña Furada Viewpoint, Ortigueira, Spain Seascape from Peña Furada Viewpoint, Ortigueira, A Coruña, Galicia, Spain, Europe Barcelona City Cathedral at Sunset Barcelona City in Spain seem from the air, showing the impressive architecture and block systems of the apartments and offices in the busy Spanish metropolis Infographic the 8 steps to your spanish property How to get the best mortgage rates in Spain gbunitedkingdomflag_111699 degermanyflag_111762 nlnetherlandsflag_111906 Russia China Sweden Morocco Italy Belgium Belgium France Romania Stéphane co-founder of HTBIS 6 essential reasons for loving your property finder in Spain https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/six-essential-reasons-loving-spanish-real-estate-shopper/ https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/six-essential-reasons-loving-spanish-real-estate-shopper/#respond Sat, 28 Oct 2023 05:31:27 +0000 https://howtobuyinspain.com/?p=4545 Automatic translation from Google translate:   Looking for a property finder? Check the full profile of all the property finders within our network.   6 essential reasons for loving your property finder in Spain Are you familiar with the legal procedure in Spain? How to check the technical aspects of

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Looking for a property finder? Check the full profile of all the property finders within our network.

 

6 essential reasons for loving your property finder in Spain

Are you familiar with the legal procedure in Spain? How to check the technical aspects of the property? It’s not about having experience in property purchasing but being familiar with how the process works in Spain. Every country is different.
Overall, even if the process might sound easy, believe it or not, you will have a lot of questions and doubts during your purchase process and you will need assistance.

Spain is different, and most Spanish service companies do not work the same way as what is expected from a service provider in other, specifically Northern European countries and the US. Expectations are simply higher. Having a personal shopper will first help you to get all the purchase process in a professional way.

At HowtobuyinSpain.com, our mission is to help foreigners to understand the Spanish real estate market and to find qualitative partners on the ground. Since our launch, we developed a network of professionals partners with local offices all over Spain and talking the languages of the buyers. We work with many local experts for the property hunting: Pierre, Raf, Wim, Bernard,… but as well many experts in legal and tax advice, Architects… Fill this form in order to be directly in contact with our local specialists.

It´s very hard to make an important judgment or decision. Buying a property is for most people the second biggest expense in their life, after their own house. People need someone they can trust to help them, to answers all their questions, and give them guarantees that things are all right or to stop them when things are not all right. Nobody wants to make a mistake when buying something, and certainly not when it is your dream and possibly the second biggest expense you ever made in your life.

 

Let’s have a look at the 6 reasons why you should take a personal real estate shopper

1. He knows the market

When you are not familiar with the market trends, prices, neighbourhoods, don´t speak the language and lack the experience in buying a property in Spain, you can lose a lot of time and money or simply end up giving up on your dream. This can stress you out. Your personal real estate shopper is there to assist you.

He knows:

  • the market and the prevailing prices and the last deals traded,
  • the neighbourhoods,
  • the reliable partners,
  • which properties are coming to the market before they are visible by others.

 

2. He will save money for you

Once you found your property, your personal real estate shopper knows if the price is correct or not, he will negotiate the best deal for you. This will save you a lot of money, and for many deals, you will recoup your personal shopper fee by itself!

3. He will save your time

Your personal shopper will search the market for you. He has is own contact in the industry and is doing this 7/7, 10hours per day. He is on the ground and can make many visits in one day… Surfing on the Internet in search of your ideal property, arranging meetings and visiting them will take a long time. It´s complicated. So, that’s really obvious!

4. He will protect your interests

What are the properties that buyers are searching for today? Which one suits your project the most? Which are the best neighbourhoods in the city? Where to start searching? Who to trust? When you don´t know the answers to these questions, property buying can turn into a very stressful process. The property hunter is not working for the seller as the real estate agents are. His goal is to protect your interests: the interests of the buyer.

5. He speaks Spanish and your language

Language could be a barrier which brings additional challenges. The search is mainly in Spanish, as most local real estate agents are only speaking Spanish. And of course, all the legal paperwork in Spain is Spanish. So, it will help the process a lot to have a local intermediary speaking Spanish and at the same time speaking your language or at least English.

6. He will find solutions after your purchase

Once you bought the property, the real work starts: Opening utility meters, get in contact with the property owners, pay taxes,…

Any renovation works? I guess you will need some local partners, no? Buying for investment, I guess you will need a property manager,…

 

How does a real estate personal Shopper work?

It is a 6 steps process:

 

1. Interview with the customer

Most of the property hunter will organize a call in order to understand what the customer is ideally looking for. The customer will as well give is budget expectations. The property hunter will clarify if he thinks that he can find the ideal property within budget or not and will explain how the Spanish residential market is in general and how the local market is in particular. The property hunter will help the customer to define the ideal location according to his criteria’s: specific requests, budget, but as well depending on the motivations of the buyer.

Two main motivations

In general, foreigners could have two main motivations for buying a property in Spain:

  1. Holidays
  2. Investment

And of course, some are looking to buy for both at the same time!

Buying a property in Spain has its own costs. Owning a property as well! So, it’s important to know where you are going from the start!

Read our reports if you want to know more on that subject.

Our reports on how to buy a property in Spain

2. Contract

Once the customer knows all about the personal shopper and he is confident that he is the good partner, the real estate personal shopper will send his contract to the customer with the detail of his mission and the financial terms. After signing the contract, usually, the customer will have to pay an initial down payment to cover the initial costs and start the mission. Once the mission is completed and successful, the customer will have to pay the remainder, the “success” fee. That’s another big advantage of working with a property hunter: he will get the big part of his commission, only if his mission is fully completed!

3. Search the market and Visit properties

The real search is starting now. The personal shopper will first establish a list of the different criteria’s of his customer. Then he will get in touch with his contacts at many different real estate agents and he will search the market and the different portals. Once he has found a property, he will organize visits.

4. Feedback and exchanges with the customer

Once the personal shopper has found a property fitting the criteria’s, he will revert to the customer. Depending on the market, if there are a lot of possibilities on the market, he will even come back with many different properties fitting the criteria’s of the purchaser. Depending on the feedback from the customer, the personal shopper will continue is mission or not. In general, the customer will come as well on the ground, surely if his main motivation is a purchase for himself so that he can have a strong view on the different propositions and go ahead with any one of those.

5. Purchase of the property if agreement with the customer

Once there is an agreement on a property, the property hunter will begin to negotiate with the seller and will try to get the best price for his customer. At the same time, it’s the start of the purchase of the property which involves many different steps. Please read our Infographic on those: “The 8 Steps of buying your Spanish property”.

 

6. Assist the customer with formalities

Assist the customer with all the paperwork, the set up of utilities, the registration of the property with local authorities, with the community of owners…

But as well, help the customer to find local partners for renovation work or interior design. This part is as well important for foreigners as most of the time they don’t know reliable partners and don’t speak Spanish.

 

The best way to see what a property hunter does for you is as well to look at the real estate city trip to Valencia we organised in April 2018.

 

Have a look at the profile of our real estate personal shoppers in Madrid, Barcelona and Valencia.

 

Our property hunter in Madrid: Pierre and his team

Last Transaction in Madrid? Written on October 2017

They bought a one bedroom property for €361.115 tax included for investment purpose. This was financed by a mortgage of €161.115. The gross revenue on the property is €35.855 and the net revenue (before mortgage cost) is €22.971, i.e. a 6.4% net yield before tax.

How is the market in Madrid?

With “a growing economy, low financing costs, good potential for rental returns and capital appreciation” the Iberian Peninsula’s largest capital city, Madrid, ranks as the best European city for property investment.

Why is Madrid so attractive for property investors? First, Madrid’s housing market has recovered and is posting new gains. Foreclosures were down by more than 30% in 2016 and housing prices are expected to increase by 4% in 2017. Future increases are forecast to be even greater: 19% from year-end 2016 to 2021. Although prices are recovering, they are still some of the lowest in Europe, averaging 3,353€ per square meter.

Even more enticingly, Madrid has rental yields of 5.2%, the highest rental yields of any European capital city, and some of the highest in the world.

This combination of low real estate costs and rising rental prices in Madrid are big draws for property investors. To learn more reasons why the Madrid property market is so attractive, read our ealier paper: Madrid in the Top 3 European Cities for Property Investment.

Read our full report on the real estate market for the 20 biggest Spanish Cities: All you ever wanted to know about the top 20 Spanish Cities real estate markets – including price evolutions

A quick description of Pierre and his team

Pierre and his team are active on the market since more than 7 years, they served more than 800 clients and managed investments of more than 8.3m€ (nearly $10m).They help busy international professionals to find the perfect property: they provide property search, negotiation and property management services to help people from all around the world to buy in Madrid. They are an international multi-lingual team dedicated to helping international people just like you make their Madrid projects come true and without the stress and uncertainties. The average return that we get for our clients is 10.6% (includes capital appreciation and rental income – all after costs).

They speak in English, French and Spanish.

Check our most recent article of February 2018 on Madrid Property hunting: Madrid property investment: a Case study with the last update on the real estate market in Madrid.

 

 

Our property hunter in Barcelona: Raf and his team

Last Transaction in Barcelona? Written on October 2017

Signed on October 26th 2017 (it´s hard to be more hot-of-the-press). Two-bedroom apartment of 84m2 in the heart of the trendy area Gracia, in a beautiful classic building and containing historic elements like mosaic floors and vaulted ceilings that are typical for Barcelona. Who buys and why? A Belgian buyer, as an investment to rent out. We will fully renovate the apartment in order to create a lovely space and achieve attractive rental incomes and created added-value. Located in a traffic-free street, with plenty of sunlight (south-orientated) and with a common rooftop terrace, which is a unique asset in Barcelona. Purchase price: 258.000€. We negotiated a considerable discount for the buyer and more important to note is that the property was sold “pre-market”, we saw it first before hitting the market. This is the second investment property that this buyer purchases this year in Barcelona. Beside the buying process, INSPIRE will manage as well the renovation and renting out. Expected returns on own capital from the investment are 10%, not taking any potential property value increases into account.
During the past few months at Inspire we have closed purchases for a total value of 3M euro and we are currently working with a total investment budget of 10 million euro across our different clients, of which about 75% are international buyers.

How is the market in Barcelona?

Barcelona is a market where we see every year an increase of approximately 15% in international buyers. Also the total number of buying transactions is going up year after year, as well as the prices do. Barcelona´s lifestyle is hard to beat and in terms of properties, the city plays in the global real estate champions league. Barcelona is a city that is a magnet and that´s not only because of it´s attractive property market. People love the city, the lifestyle, the climate, the ease of cheap travel options to come to Barcelona, the good food, … in other words a real cosmopolitan vibrant city at the Mediterranean sea.
Read our full report on the real estate market for the 20 biggest Spanish Cities: All you ever wanted to know about the top 20 Spanish Cities real estate markets – including price evolutions

A quick description of Raf and his team

We are passion, effort, high performance, an answer to a deep need. We are enthusiasm and focus. We are a Barcelona based company offering innovative buyer-focused Property Finder services. We do not sell houses but help you find and buy your dream place by exclusively defending your interests and guiding your through the process from A-Z, till you have the keys in your hands, including full legal advise, technical and financial help. Buying made easy.
They speak in Dutch, English, French, German, Russian, Spanish and Catalan.

Check our most recent article of May 2018 on Barcelona Property hunting: Barcelona property investment: a Case study with the last update on the real estate market in Barcelona.

 

Our property hunter in Malaga:

Last Transaction in the Costa del Sol? Written on October 2017

Between Malaga and Marbella, we bought for a couple in their 40s, a very beautiful and spacious 2-bed/2-bath apartment in a well maintained community. The apartment has 90 sp meters and was listed between €200.000 and €250.000. The couple was looking for a mixture of personal use and occasional renting. It’s location is perfect as it is 20 minutes from the airport and is within walking distance to the sea. Ideal!

How is the market in the Costa del Sol?

In spite of fears that uncertainty over Brexit was going to depress the recovering market, we have seen good and consistent demand over the last months from a variety of Northern European countries, in particular Belgium. Stylish new developments are also reappearing in many places along the Costa del Sol. As long as they are in prime locations and of high quality, they should be able to find buyers. We don’t see heavy leveraging (debt financing) or speculative attitudes (buy to sell) among buyers, which is a sign that the market is healthy and will remain so for the coming years.

Read our full report on the real estate market for the 20 biggest Spanish Cities: All you ever wanted to know about the top 20 Spanish Cities real estate markets – including price evolutions

 

 

 

Our property hunter in Valencia: Bernard and his team

Last Transaction in Valencia? Written in October 2017

Our client bought an industrial building in Javea (Alicante) for a future transformation with a 2 level loft including an inside swimmingpool, we talk of 340m2 and 2400m2 ground: the price was €645.000, taxes and charge included. The renovation works are estimated at €325.000. This transaction did not need any financing and this property was purchased to become a second home.

How is the market in Valencia?

The market is down in the Valencian community, -4% compared to the overall growth of 3% in Spain. The price for Castellon, Valencia and Alicante are on average at 1,386 eur/m² with important variations between the coast and the interior. Sales continue to grow and the interests on those markets is increasing.
The Valencian community has 19,657 real estate companies (INE 2017). That is why it is very important to choose a reliable partner as your real estate agency. Should your motivation be an investment or a holiday home it’s important to benefit from reliable and independent services.

Read our full report on the real estate market for the 20 biggest Spanish Cities: All you ever wanted to know about the top 20 Spanish Cities real estate markets – including price evolutions

A quick description of Bernard and his team

Bernard fell in love with Valencia during his Architect studies in 2000. He is working as an Architect in Valencia and Alicante since 2005. He is working with his team on Architect missions or as a property finder.

They speak in German, English, French and Spanish.

Check the feedback from our real estate citytrip we organised in Valencia in April 2018 with our local property hunter, Bernard.

 

In conclusion, a real estate personal shopper will make it quicker, easier and cheaper!

 

Check the list of our partners active as real estate personal shoppers in Spain. We can’t list all our partners in this section so don’t hesitate to ask us directly if you have a request by filling this quick form.

1. Best Professionals 2. Follow up 3. Competitive pricing 4. Partners 5. Qualitative Check

 

Looking for an expert in Spain? Ask our network of local partners directly!

 

 

 

 

 

 

Stéphane

Senior analyst and strategist at HTBIS

Check the full HTBIS team here

 

 

The post 6 essential reasons for loving your property finder in Spain appeared first on How to buy in Spain.

]]> https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/six-essential-reasons-loving-spanish-real-estate-shopper/feed/ 0 Our reports on how to buy a property in Spain Infographic the 8 steps to your spanish property building-470925_1920 20160109155155 sea-1283651_1920 margit-wallner-1012046_1920 5 Reasons to work with our experts in Spain 1. Best Professionals 2. Follow up 3. Competitive pricing 4. Partners 5. Qualitative Check Stéphane co-founder of HTBIS Murcia: the Spanish coastal gem offering exceptional value for money for real estate investments https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/murcia-real-estate-investment/ https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/murcia-real-estate-investment/#respond Thu, 06 Apr 2023 08:03:15 +0000 https://howtobuyinspain.com/?p=27101 Click on any flag to get an automatic translation from Google translate. Some news could have an original translation here: News     Nouvelles     Nieuws     Noticias     Nachrichten  In order to get closer to the market in Murcia, we asked our independent local property hunter, Sabine, to write about her latest activity

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]]> Click on any flag to get an automatic translation from Google translate. Some news could have an original translation here: News     Nouvelles     Nieuws     Noticias     Nachrichten 

In order to get closer to the market in Murcia, we asked our independent local property hunter, Sabine, to write about her latest activity there. Should you need more information, we will put you in touch with her, she is one of our local independent partners of howtobuyinSpain.

 

Unlocking the Potential of Murcia Real Estate Investment

Let’s have a look at the property hunting job realized by our local partner in Murcia

 

First, let’s have a quick look at the region around Murcia: Costa Calida.

We’ll guide you through the beautiful Costa Cálida and the Murcia region in Spain, two captivating destinations that are becoming increasingly popular among real estate investors and homebuyers. This enchanting corner of Spain offers an idyllic blend of sun-kissed beaches, rich cultural heritage, and a diverse landscape that begs to be explored. Whether you’re seeking a permanent residence, a vacation home, or a profitable rental investment, the Costa Cálida and the Murcia region have something for everyone.

Costa Cálida, aptly named the ‘Warm Coast,’ stretches along the southeastern coastline of Spain and is nestled between the well-known regions of Costa Blanca and Costa Almería. This sun-drenched haven boasts over 250 kilometres of pristine beaches and a unique microclimate that blesses the area with an average of 320 sunny days per year. The region’s exceptional climate, combined with its stunning coastal beauty, makes it an irresistible destination for those looking to buy property in Spain.

 

Let’s start by exploring the region’s capital, Murcia, a bustling city that perfectly balances historical landmarks with modern amenities. Here, you’ll find the stunning Cathedral of Murcia, a breathtaking example of Gothic architecture, as well as contemporary shopping centres and a thriving culinary scene. The city’s lively atmosphere and rich cultural offerings make it an attractive destination for both tourists and residents alike.

Next, don’t forget to venture to the ancient port city of Cartagena, where over 2,000 years of history come to life in the form of ancient ruins, fascinating museums, and beautifully preserved architecture. The city’s picturesque marina and bustling city centre offer excellent shopping, dining, and entertainment options, while its unique blend of history and modernity creates a captivating atmosphere that appeals to a wide range of buyers.

Further south, don’t forget to visit the popular coastal resort of Águilas, renowned for its golden beaches, crystal-clear waters, and vibrant nightlife. With numerous beachfront properties available, Águilas is the perfect destination for those looking to invest in a holiday home or rental property along the sun-soaked shores of the Mediterranean.

Throughout your journey, you will be surprised by the natural beauty of the Costa Cálida and the Murcia region, which boasts a diverse landscape that includes rugged mountains, lush pine forests, and the impressive saltwater lagoon of Mar Menor. This vast lagoon, separated from the Mediterranean by a narrow strip of land called La Manga, is a haven for water sports enthusiasts and nature lovers alike.

For golf enthusiasts, the region is home to several world-class golf courses, making it a golfer’s paradise. We’ll provide you with an insider’s perspective on the best courses, along with tips and advice for making the most of your golfing experience in the Costa Cálida and Murcia region.

 

 

 

If you want to read more on Costa Calida, have a look at our detailed article on Costa Calida.

 

Let’s discuss the practicalities of investing in real estate in the region of Murcia, including the affordability of properties compared to other Spanish coastal regions, the steady growth experienced in recent years, and the potential for capital appreciation.

 

Murcia Real estate market’s latest trends

 

Let’s check the property prices in Murcia.

As of December 2022: real estate prices in Murcia are at €1,026 /m², -0.1% yr/yr

Property transactions for the property market in Murcia: 26,030 +15%

Have a look at our Murcia real estate interactive price chart:

 

Let’s move further and check the property hunting mission realized by our local property hunter.

 

Property hunting in Murcia

Client profile

A bachelor sustains himself by earning rental income from multiple apartments he possesses in France.

 

The budget of this buy-to-let property in Murcia

less than €80 000

 

Objective of this real estate project?

Rental Investment in the region of Murcia.

 

What makes Murcia a suitable choice for investing in rental properties?

 

It is undeniable that Murcia, a region in Spain, is both beautiful and reasonably priced. On Costa Calida, there are many exquisite coastal towns and residential areas to choose from, one of which could potentially be your new place of residence.

The region of Murcia is a worthwhile destination to consider due to its relatively lower land prices compared to more established areas like the Costa Blanca and Costa del Sol

Making an investment in Murcia can be a wise choice because of its enjoyable climate, economical air travel choices, reasonable real estate expenses, and the potential for profitable rental income and appreciation in property worth.

There are certain facts about Murcia that you need to be aware of

  • Currently best value property in Spain
  • 2 large airports used by low-cost airlines
  • Big English community
  • 22 golfs in the region of Murcia
  • New Corvera airport
  • New motorway network
  • New fast train to Madrid
  • Regeneration of the cities of Cartagena and Murcia
  • Beautiful golf courses
  • Cleanest air in Spain by WHO organisation

 

Best place to play Golf

The Region of Murcia has become a popular golf destination in Europe, with top-quality courses available within a 50 km radius. With numerous amenities and facilities, golf enthusiasts and professionals can enjoy their time here without any disappointment. It provides a desirable alternative to other popular but crowded golf destinations, such as the Costa del Sol and Algarve. This region is renowned for its picturesque greens, which are surrounded by bright blue skies, making it the perfect spot for golf enthusiasts. Essentially, Murcia is nothing short of paradise for those who revel in the game of golf. If you enjoy playing golf in Spain then you will enjoy Murcia, as it is fast becoming one of the best golf destinations in Europe. For everyone who wants to get pleasure from some of the most beautiful championship courses in Spain, with the most spectacular panorama and magnificent warm climate all year round, then Murcia is the place for them.

 

We presented numerous pleasant areas in the region of Murcia

to our clients in order to assist them in acquiring their property. One of those is La Puebla. There are numerous shops available, along with a supermarket, bars, and restaurants. The village is conveniently located as it only takes 15 minutes to drive to Cartagena and 10 minutes to Los Alcazares where the beaches of Mar Menor are situated; furthermore, Murcia International Airport is just 30 minutes away.

Let’s have a look at the property we found in Murcia for our customer

This property includes a combined living and dining area, two spacious bedrooms with built-in closets, two bathrooms (one with a shower and one with a bathtub), and a kitchen with a breakfast bar. There is also a balcony that leads to a private rooftop solarium and storage space.

The property was sold fully furnished and is available for rent.

 

 

What about rental yields on this property?

 

Target reached ! Rentability :

The flat price is €72,000.

We succeeded to negotiate the price down to €66,500

With all the taxes to be paid ( ITP , notary, register the total amount was €74,320)

This flat is now on booking with an average of €80 per night.

 

If you are looking to buy in Spain, we would suggest that you read our earlier paper on Property hunting: 6 essential reasons for loving your Spanish real estate shopper. This paper is very interesting and gives you some of the important reasons why working with a property hunter is very useful for foreigners looking to buy in Spain. You will find specific samples from all our local property hunters everywhere in Spain, for instance in Alicante, Valencia, Barcelona and Madrid. Here are our other case studies written on Madrid, Barcelona and Tenerife:  Property hunting “Case study” in Madrid, Property hunting “Case study” in Barcelona and Property hunting “Case study” in Tenerife written by our local independent property finders. Looking for a property hunter anywhere in Spain? Follow the link where you will find all our case studies as well.

About Sabine, our local independent Property finder in the Region of Murcia

Sabine is our local property finder in the Costa del Sol and the Costa Dorada.  Sabine is active on the Costa del Sol since 2021 and Costa Dorada since 2019 and lives in Spain since 2015. She is our
local independent partner in this region.

 

Looking for a property hunter, a lawyer, an architect,… a local expert in Spain? Ask our network of independent local experts directly!

 

Sabine

Property finder in Costa Calida and the Costa Dorada

Local independent partner of HTBIS Network

Check the full team of HTBIS or check our independent local partners

 

The post Murcia: the Spanish coastal gem offering exceptional value for money for real estate investments appeared first on How to buy in Spain.

]]> https://howtobuyinspain.com/en/buy-property-in-spain/property-finder-spain/murcia-real-estate-investment/feed/ 0 Costa Calida Murcia beach view Cartagena and Murcia Investment in a community property in Murcia Details on this property in Murcia Return calculation on a property in Murcia Sabine v 1.0 What return will you make on your Spanish Property in 2023? https://howtobuyinspain.com/en/buy-property-in-spain/spain-property-market-2023/ https://howtobuyinspain.com/en/buy-property-in-spain/spain-property-market-2023/#respond Sat, 01 Apr 2023 14:36:39 +0000 https://howtobuyinspain.com/?p=6093 Click on any flag to get an automatic translation from Google translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten   Follow this link if you are looking for the last update on the real estate prices for the top 20 Spanish cities.   Property

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]]> Click on any flag to get an automatic translation from Google translate. Some news could have an original translation here: News Nouvelles Nieuws Noticias Nachrichten

 

Follow this link if you are looking for the last update on the real estate prices for the top 20 Spanish cities.

 

Property investment in Spain: a very strong return of +11.2%

 

According to statistics released by the Central Bank of Spain in November 2022, the return expected on the residential Real Estate market in Spain is 11% and 8.4% if you take a mortgage – Green line on the chart. Not a bad property investment in Spain!

This performance comes from two sources:

  • gross rental yield estimated at 3,6% –Blue line on the chart– and
  • capital gain estimated at 7.6%.

Here is what we will cover in this article:

 

The Spanish real estate market has been strong since 2014 

Sure Covid came to impact the market for the last three years to the end of 2021 but since 2022 here are the main evolutions:

As a reminder those are the trends that impacted the real estate markets worldwide post Covid:

    • people are buying bigger, with more outside spaces and lights
    • people are buying outside big cities
    • foreigners are less active due to travel restrictions (but at HTBIS we could see a strong pick up in activity since the end of 2020)

 

Don’t miss our detailed quarterly report: The top 20 property markets in Spain

 


Now, we are fighting against a new “issue”… inflation. The good news is that the Spanish real estate market offers a nice hedge against inflation up to now and returns remain stron.

 

  1. Spanish real estate return is back above 10% since May 2019

     

    Of course, the uncertainty in the economy that came from Covid was noticeable in 2020 but since 2021, the market is rebounding strongly both in terms of transactions and prices. Have a look at our Spanish real estate quarterly report studying the property price evolution in all the top 20 regions of Spain for more.

     

    Have a look at our interactive chart (yes when you come back, it will be updated). As you will see, property investment in Spain was wise since 2014.

     

     

  2. Mortgage rates in Spain are rising since the start of 2022 at 2.9%

     

    Yes, inflation is back, and so interest rates are rising. As of November 2022, mortgages rates were issued at 2.9% in Spain, Red line on the chart

     

     

     

    Read our article updated every month with the current mortgage conditions, we have added many interesting statistics to follow as inflation levels: Find the best mortgage rate in Spain

    We told you since 2020 that the risk was there for inflation spiking. Now, low mortgages are a history of the past but our view is that at the current levels of mortgages rates are still low. Another interesting thing to note is that real estate buyers are taking fixed-rate mortgages to finance their real estate purchases right now. Read more on that: Fixed or variable rates mortgage?

    Have a quick look at our Spanish mortgage calculator if you want to know what is your purchasing power to buy a property in Spain:

     

    The first real positive return since the crisis of 2008 came in early 2014 … six years ago…

    As you can see on our chart, the estimated return became slightly positive for the second time since 2008 at the start of 2014. In 2010, the estimated return went slightly positive but it was not enough to compensate for the mortgage costs. The performance was much stronger in 2018 as the estimated profitability was higher than 10%. Right now, with close to 6%, the estimated profitability covers more than 3 times the current mortgage costs.

    Follow this link if you want to learn more about our partner, one of the leading Mortgage brokers in Spain.

     

  3. Real estate prices are lower than 10 years ago

     

    Are there a lot of downsides to where we are here? Check the chart of real estate price evolution before and after 2007:

     

     

  4. Spanish real estate returns have the second weakest performance in Europe on a 10-year time frame

    Have a look at the comparison of the real estate market in Spain vs other European countries on any time frame between 3 months and 10 -year time frame

     

     

    As you saw on this histogram, Spain has the weakest performance in a 10-year time frame. Click on the chart to check the performance for other period lengths.

     

  5. Spanish Real Estate has the highest yields vs many European Cities

    Discover the best new build projects in Spain available right now
    € 320,000
    2 beds 1 bath 61.3 m²
    € 313,000
    2 beds 2 baths 61.3 m²
    € 540,000
    3 beds 3 baths 191 m²
    € 520,000
    3 beds 2 baths 109 m²
    € 345,000
    2 beds 2 baths 97 m²
    € 435,000
    3 beds 2 baths 114 m²
    € 350,000
    3 beds 2 baths 106 m²
    € 273,000
    2 beds 2 baths 83 m²
    € 368,000
    3 beds 2 baths 103 m²
    € 315,000
    2 beds 2 baths 90 m²
    € 245,000
    2 beds 2 baths 83 m²
    € 335,000
    3 beds 2 baths 98 m²
    € 250,000
    2 beds 2 baths 90 m²
    € 420,000
    2 beds 2 baths 81.7 m²
    € 475,000
    3 beds 2 baths 101.9 m²
    € 490,000
    3 beds 2 baths 119.8 m²
    € 540,000
    3 beds 2 baths 129.2 m²
    € 530,000
    3 beds 2 baths 106.9 m²
    € 370,000
    2 beds 2 baths 88.9 m²
    € 440,000
    3 beds 2 baths 106.9 m²
    € 367,000
    3 beds 3 baths 177 m²
    € 262,000
    3 beds 2 baths 84 m²
    € 242,000
    2 beds 2 baths 72 m²
    € 277,000
    2 beds 2 baths 73 m²
    € 255,000
    3 beds 2 baths 85 m²
    € 220,000
    2 beds 2 baths 71 m²
    € 240,000
    2 beds 2 baths 80 m²
    € 280,000
    3 beds 2 baths 88 m²
    € 585,000
    3 beds 3 baths 162 m²
    € 348,000
    3 beds 2 baths 220 m²
    € 355,000
    3 beds 2 baths 100 m²
    € 385,000
    2 beds 2 baths 76 m²
    € 325,000
    3 beds 2 baths 97 m²
    € 269,000
    2 beds 2 baths 81 m²
    € 631,000
    3 beds 2 baths 123 m²
    € 345,000
    2 beds 2 baths 154 m²
    € 430,000
    3 beds 2 baths 116 m²
    € 730,000
    3 beds 2 baths 149 m²
    € 529,000
    3 beds 2 baths 133 m²
    € 319,000
    2 beds 2 baths 87 m²

     

    Is Spanish property a good investment? Spain is in the sweet spot for a property investment if you check the real numbers!

    If you want to know your property return for your Spanish property, you need to know a few data: your rental income before and after costs, your property prices and of course it is good to know the costs of your property including taxes. For more on that, read: the cost of owning a property in Spain and What are the taxes you have to pay on your Spanish property?

    Buy to let? Spain offers some of the best returns in Europe:

    • Madrid is in 7th place in Europe with a return of 3,9% and offers one of the best rental yields in Spain with more safety on your investment.
    • Alicante took over the second place one of the best rental yields in Europe with a return of 4,6%, not bad
    • Barcelona is the eleventh city in Europe with a yield of 2,2% according to Deloitte. Rents went down heavily in Barcelona for a few reasons, in 2020, the local authorities did introduce a cap on rents… while at the same time, the lockdown was quite strong, and a lack of demand from international businesses. We wouldn’t be surprised to see the yield come back up in the years to come.

    Check the best rental Yields for the major European Cities, Madrid, and Alicante have rental yields close to 4%.

     

     

    Barcelona and Madrid are the 5th and 8th most expensive European cities in terms of price/m²…

    Have a look at our interactive chart

     

  6. Real estate activity has strengthened since end of 2021 …post-Covid

    Close to 95.000 properties were bought by foreigners in Spain in 2021 (12 months to September 2021) and more than 545.000 by Spaniards.

     

    It looks like others agree with our conclusions…

    Check for more information on our up-to-date pages on the Spanish national real estate market (prices and activity) and on the Spanish regional real estate markets (prices and activity).

    If you want to have a deeper analysis, city per city, we would suggest reading our full report on that (click on the picture):

    The most expensive real estate markets in Spain

    Here is as well our report on the Most active cities in Spain in 2019 (in terms of transactions).

     

  7. Big uncertainty for the Spanish economic activity

    Of course, we noticed a strong rebound in early 2020,… stopped by Covid. But activity in Spain is staying stronger than in most of the other European countries. What a roller coaster!

    Check our up-to-date tables of a few Economic indicators in Spain:

    But after this strong rebound, as everywhere in the world, we wait for the uncertainty to settle and the vaccines to allow more “normal” economic activity.

     

  8. Financial markets will be more volatile

    2018 with a year of higher volatility and negative returns in the financial markets. 2020 saw a huge spike in volatility due to Covid. Shortly after, the Central banks poured money to support economies.

    Since 2022, we expect higher volatility in financial markets due to the change of policy from central banks all over the world. As of 2023, the interest rate curve is inverted, which signals a very high probability rate of an economic recession. Of course, a big unknown is how inflation numbers will come in the next years. The good news as of mid-2023 is that energy prices came back under the levels of early 2022 when the war started in Ukraine.

     

  9. Spanish real estate outlook for 2023

    As we wrote in our article, we are moderately optimistic about the outlook for the real estate market in Spain in 2023. While we have to admit that the comeback post-Covid of the Spanish real estate market (and everywhere in the world) was quicker and stronger than we expected. If we compare it to international markets, the rise is reasonable and not speculative. So, in our mind, we don’t see a real estate bubble here. The good news for international real estate cash-buyers: it should be easier to find properties as interest rates are rising.

     

  10. How do we assist our customers to buy finding their dream homes in Spain?

     

    Whether you’re looking for a holiday home or a permanent residence, all our local partners will help you to find the perfect property in their extensive selection of properties to suit your needs and budget. With a wealth of experience and knowledge, our team of real estate professionals are dedicated to helping you find your dream property in Spain.

    But we’re not just here to help you find your perfect property. We also offer a range of services to make the buying process as smooth and hassle-free as possible. From legal advice to property management, we’ve got everything covered. Don’t hesitate to get in touch with our HTBIS team.

     

    Have a look at our interesting articles:

     

     

    Looking for a local property hunter, a local lawyer, … any expert in Spain? Ask us directly!

    Stéphane

    Senior analyst and strategist at HTBIS

    Check the full HTBIS team here

     

  11. All our charts of this article are available here in a downloadable format

     

     

    Property investment Spain

    Property investment Spain

    Calculate the return of your property investment in Spain

    Calculate the return on your property investment in Spain

    Foreigners real estate activity in Spain

    Foreigners’ real estate activity in Spain

     

    Real estate prices and transactions in Spain

    Real estate prices and transactions in Spain

 

Source: Deloitte Property Index 2020, Overview of the European Residential Market

FAQ on the subject

Is it a good time to buy property in Spain 2023?

Yes, for sure, as you can see, prices are rising since 2014 but are far from the top of 2008. Returns are healthy and not excessive while financing remain low. Read more in our paper.

Are property prices in Spain falling?

No prices are not falling anymore in Spain. Real estate prices are rising since 2014 and remain far from the top: current average price per square meter in Spain is €1662 (end September 2021).

Can I get residency in Spain if I buy a house?

It depends if you are part of EU or not and if you have enough financial means to live. If you are not from EU countries, there are solutions, have a look at our article about the golden visa.

Where should I invest in real estate in Spain?

The top three markets in Spain offer interesting opportunities, Madrid, Valencia and Barcelona. At the same time many second tier cities are strong since the last two years

 

 

 

 

 

 

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Discovering the top European countries for relocation

 

This comprehensive article is among our most extensive pieces. Feel free to peruse at your leisure, utilizing the table of contents located just beneath the introduction to navigating directly to the sections that pique your interest. You can also search for specific country names or topics within the article. Naturally, our suggestions are subjective, and we have endeavoured to provide a wealth of travel inspiration—ultimately, the choice is yours!

 

Europe is a continent full of diverse countries, cultures, and opportunities. It is also one of the most sought-after destinations for people wanting to relocate. Whether you’re looking for employment opportunities, an improved quality of life or a more affordable cost of living – Europe has something to offer everyone.

 

When it comes to selecting the best country in Europe to relocate to – there are no definitive answers as everyone’s needs and preferences differ significantly. However, some countries tend to stand out due to their strong job markets, high standards of living, good healthcare systems and excellent education options. These include Denmark, Sweden, Germany and Switzerland which have consistently been ranked as some of the top places in Europe for expats looking to start anew abroad.

 

Denmark offers great work-life balance with generous parental leave policies; its social safety net is designed so that all citizens can feel safe and secure; while its infrastructure makes getting around this small Scandinavian nation easy! Sweden on the other hand boasts one of the highest GDPs per capita in Europe along with free higher education which makes it an attractive option for those seeking better earning potential overseas. Meanwhile, Germany offers unparalleled stability – boasting low unemployment rates despite economic downturns – plus world-class universities.

With the Ukrainian war, we saw lately that Germany’s economy suffered from high electricity prices. If you want to compare electricity prices in Europe, we did the work on that, just follow the link. Another point to take into consideration is that all those countries are in Northern Europe and while having high standards of living, they don’t have such nice weather conditions.

In our detailed article, we will cover all the topics you need to know before relocating: quality of life, climate, political situation, language, cost of living, housing costs, real estate market, economical situation and openness to foreigners.

 

Where should you relocate to have the best quality of life in Europe?

When it comes to assessing which countries offer the best quality of life in Europe, there are a few key factors that must be taken into account – one of them being life expectancy. Here we take a look at some of the best European countries for quality of life and long-term health prospects.

Denmark is one country that consistently ranks highly on global indices measuring the quality of life. It has an average lifespan expectancy rate among men and women combined at 81 years old, higher than any other European nation according to figures from 2018. This can be attributed to Denmark’s extensive healthcare system which provides free or heavily subsidised medical treatments and comprehensive preventive care programmes such as regular checkups for all citizens regardless of their income level or employment status. Moreover, Danish people benefit from excellent infrastructure with easy access to public transportation services including clean air buses, trains and boats making it easier to get around without relying on cars – meaning Danes have healthier lives overall thanks to less exposure to traffic pollution-related toxins!

Another great country in Europe when it comes to living standards is Sweden where people enjoy an average lifespan expectancy rate at just over 82 years old – one year more than Denmark’s figures show! Similarly, like Denmark Sweden also offers free universal healthcare coverage but what really sets this Scandinavian nation apart are its generous welfare policies aiming towards social inclusion allowing Swedes access to better education opportunities despite their economic background while also providing financial aid if needed so they can afford basic necessities like housing costs etc… This ensures everyone has equal chances not only surviving but thriving throughout their lifetime!

Norway often appears high up on lists measuring human development globally due largely in part due its impressive per capita GDP – making it not only wealthy but efficient too when managing resources available across all sectors (including healthcare). Norwegian people have therefore been able to develop strong preventative initiatives such as healthy eating campaigns encouraging citizens to consume fresh produce daily which consequently leads to longer lifespans with average longevity rates reaching 83 years! Additionally, Norwegians benefit from high wages compared to other OECD member states plus cost-effective childcare options for families who both work full-time jobs so parents don’t need to compromise career opportunities to keep up family commitments while simultaneously maintaining good personal health levels through proper work/life balance practices!

Finally, another fantastic option to consider if looking to improve your lifestyle-based longevity ratings would be Switzerland whose,

 

Healthy living in Europe

Life expectancy most of the time comes thanks to good food…

Living in a country with a quality of life can make all the difference. From access to healthcare, education, and entertainment, to factors such as job opportunities and political stability, there are many elements that contribute to a good quality of life. One particularly important factor is food – not just its availability but also its variety and affordability. Here we take a look at some European countries which offer an exceptional level of quality when it comes to food.

Italy is renowned across Europe (and indeed worldwide) for its delicious cuisine featuring regional specialities like Neapolitan pizza or Tuscan steak Florentine served up in family-run trattorias or elegant restaurants found in cities like Rome or Venice respectively. In addition, Italy boasts one of the largest selections of fine wines anywhere on Earth making it an ideal destination for wine lovers too! With most Italian ingredients being locally sourced – including cheese made from buffalo milk – they remain reasonably priced even when enjoyed away from their homeland meaning that everyone can enjoy authentic Italian gastronomy without breaking the bank!

Spain offers great value-for-money meals thanks largely due to vast amounts of local produce grown within Spain itself coupled with imported foods often costing less than elsewhere in Europe too making dining out affordable almost everywhere you go – whether you’re strolling through Madrid’s stunning Plaza Mayor sampling tapas al fresco style or enjoying paella by Valencia’s iconic beachfront promenade La Malvarrosa! As expected seafood forms an integral part of Spanish cooking and meat eaters won’t be disappointed either thanks primarily due pork being used widely throughout this Mediterranean nation’s recipes – think Jamon Serrano ham sliced thinly atop bruschetta accompanied olives & chorizo sausage…yummo!!

France offers arguably one of best cuisines available anywhere on planet earth with each region having unique flavours derived not only from French culture but other nations’ influence as well – examples include Provence’s herbs de Provence mixes containing.

In conclusion, the best countries in Europe for quality of life are those that offer a good balance between economic and social development. The top countries scored highly on indicators such as education, healthcare, safety and security, infrastructure, income equality and employment opportunities. Switzerland is considered to be the overall best country in Europe for quality of life due to its high scores in all these categories plus its stunning natural beauty and vibrant cultural scene. Other contenders include Norway, Sweden and Denmark which also provide excellent living standards with abundant natural resources. Ultimately though choosing the right country for you depends on your personal priorities when it comes to quality of life.

 

Of course, the climate is another aspect that could have been added to the quality of life but it is so important that we wrote a specific section to cover the subject.

Life Expectancy at birth for developed countries

Spain’s work-life balance has second place among all the OECD countries, not bad.

Pros of Spanish quality of life vs other European countries

Life Expectancy: Spain has one of the highest life expectancies in the world, with an average life expectancy of 83 years. This is due to the Mediterranean diet, good healthcare system, and generally healthy lifestyle.

Food: Spanish cuisine is known for its diversity and quality, with a focus on fresh ingredients and traditional cooking methods. Spain is also known for its wine and tapas culture, which can make for a vibrant social scene.

Culture: Spain is rich in history and culture, with many museums, art galleries, and historical sites to explore. The country is also known for its festivals and celebrations, such as the famous Running of the Bulls in Pamplona and La Tomatina in Buñol. The Spanish culture in many countries in the south of Europe helps the social contacts between people. Which in turn helps people to live longer. One of our partners wrote an interesting subject on how cities are organised in Spain which in our mind is a great explanation of life in southern Europe… Everything is within 15 minutes walk. Have a look at the article: Barcelona the 15-minute city.

 

Cons of Spanish quality of life vs other European countries

Unemployment: Spain has a relatively high unemployment rate compared to other European countries, which can make it difficult to find work. The COVID-19 pandemic has also hit the Spanish economy hard, which may lead to further job losses and economic uncertainty.

Language barrier: While many people in Spain speak English, the official language is Spanish, which can be a challenge for those who don’t speak the language. This can make it harder to integrate into the local community and can lead to feelings of isolation.

Bureaucracy: Spain has a reputation for bureaucracy and red tape, which can be frustrating for those who are used to a more streamlined and efficient system. This can be especially true when dealing with government agencies, such as when applying for residency or healthcare.

 

Infographic worklife balance Spain vs OECD countries

Further readings on quality of life

  • Don’t miss the wonderful website of OECD on quality of life. They have created an index allowing you to compare directly different countries for different criteria as housing, income, jobs, community, education, life satisfaction, and work-life balance…
  • Eurostat is the statistical office of the European Union, providing data and statistics on a wide range of topics, including living conditions, health, education, and the economy. Eurostat offers a range of interactive tools to compare and visualize data on EU countries and regions, including the EU-wide Quality of Life Survey.

 

Europe’s finest countries with exceptional climates

 

Europe is a continent full of diverse cultures, beautiful landscapes and vibrant cities. But with climate change becoming an increasingly important factor in our lives, many are looking to relocate to places that offer the best climates for their lifestyle. If you’re considering relocating to Europe, here are some of the top countries for climate relocation.

 

Germany is one of the most popular countries in Europe when it comes to relocation. It has a moderate climate with warm summers and cold winters. Germany also offers beautiful scenery and plenty of outdoor activities such as skiing, hiking and cycling. In addition, its economy is stable and there are plenty of job opportunities available all across the country.

 

Switzerland is another great option if you’re looking for somewhere to relocate that has a temperate climate year-round with mild summers and snowy winters. Switzerland boasts breathtaking mountain views, some of which can be reached by cable cars or chairlifts! Its economy is stable too so finding employment won’t be difficult either!

 

France has long been known as one of the most romantic destinations on earth – but it’s also perfect if you’re looking for somewhere with a more Mediterranean-type climate than other parts of Europe offer! The south enjoys balmy temperatures all year round while those further north experience milder weather during wintertime making it ideal whatever your needs may be! Plus you’ll get to enjoy delicious French cuisine every day – what’s not to love?

 

Spain boasts both sunny beaches along its vast coastlines, as well as stunning mountains, so this makes it ideal if you’re looking for something different from your new home base! Its temperate climate means there will always be something happening no matter where you choose in Spain – whether that’s taking part in local festivals or simply exploring villages nestled away in valleys surrounded by nature!

 

Portugal offers an interesting combination between continental European climates (inland) and Atlantic ones (on its coastline). This means visitors can get a taste of both worlds depending on where they decide to settle down – offering them everything from snow-topped mountains during wintertime up north right through until hot summer days spent lounging on sandy beaches close by Lisbon or Porto areas!

 

Finally, we come to Italy which really does have something special regardless of season– Europeans flock here each summer months thanks to its amazing Mediterranean vibe combined with the incredible food culture found throughout the nation itself!. Winter brings cooler temperatures Italians know how to make even the coldest days enjoyable thanks an abundance of ski resorts dotted around the country; plus Christmas.

 

The view of howtobuyinspain.com on the Spanish climate

The Spanish weather is undoubtedly one of the best in Southern Europe, and here are some reasons why:

  1. Warm and sunny climate: Spain is blessed with a warm and sunny climate that is perfect for outdoor activities. The country is located on the Iberian Peninsula, which means it is closer to the equator than many other European countries. As a result, it enjoys long, hot summers and mild winters, making it an ideal destination for sun-seekers.
  2. Diverse regions and microclimates: Spain is a large country with diverse regions, each with its own microclimate. The coastal regions, for example, are warmer and more humid than the interior, which is drier and cooler. The Balearic and Canary Islands, located off the coast of Spain, also have their own unique climates, making Spain a great destination for those who want a variety of weather experiences.
  3. Outdoor lifestyle: The Spanish weather is ideal for outdoor living, which is a major part of the Spanish lifestyle. From siestas to tapas to long walks on the beach, the Spanish enjoy spending time outside and soaking up the sun. This means that there are plenty of opportunities to enjoy outdoor activities, from swimming and sunbathing to hiking and cycling.
  4. Health benefits: The Spanish weather is not only enjoyable but also beneficial to health. The warm climate and abundant sunshine have been linked to lower rates of depression, improved vitamin D levels, and reduced risk of heart disease.

In order to help you to compare weather statistics, we have created weather infographics for all the major Spanish cities. If you want to compare your city’s weather with any country in the world we advise you to check another interesting site.

 

Have a look at this interesting map showing that Spain has both one of the longest coastlines in south Europe and one of the biggest countries with so many sunny hours of exposure per year.

Sunshine map of Europe, in Hours per year

The finest European destinations for affordable living and relocation

 

Of course, when considering relocating, the cost of living should also be taken into consideration. So what are the best European countries to move to if you want more bang for your buck? Let’s take a closer look at some of the top contenders!

 

Bulgaria, with its stunning Black Sea coastline and breathtaking mountain ranges, Bulgaria may not be on everyone’s radar as one of the best places in Europe to live. However, this hidden gem has so much to offer those looking for an affordable place with great amenities. According to Numbeo’s 2020 data, rent in Sofia is only 8% higher than rent in Belgrade but it costs 18% less than renting in London or Paris! Plus groceries here are incredibly cheap – up to 50 per cent cheaper than in other Western European cities.

 

Hungary, If you want even better affordability then Hungary might just be your go-to choice when it comes time for relocation. You can find some truly amazing deals on apartments here and buying groceries will save you big bucks too! In fact, according to Numbeo, Budapest actually ranked fourth out of all major cities surveyed (including Tokyo and New York) when it came to comparing grocery prices! And did we mention that Hungary boasts beautiful architecture like no other country in Europe? It’s no wonder why lots of people have chosen this spot as their home away from home!

 

Czech Republic, Another great option would definitely have the Czech Republic high up on the list due to its excellent cost-of-living situation combined with rich cultural history. Prague, the capital city, provides access to cultural attractions such as Charles Bridge, and Astronomical Clock Old Town Square while still remaining very budget friendly -the rental price index being 22 % lower compared to Berlin while consumer goods remain approximately 27 % cheaper! On top of that, the public transport system is highly efficient meaning daily life there is easy and breezy without breaking the bank.

 

Romania, Last but certainly not least we have Romania which also happens to offer incredible value terms accommodation rental prices. While Bucharest is slightly pricier compared to other country towns small villages provide really good deals for house hunters making the village atmosphere quite attractive to many people eager to escape hustle and bustle of city life and experience the tranquillity of a countryside setting!

 

The view of howtobuyinspain.com on the cost of living in Spain

We analysed the subject a lot at howtbobuyinspain.com and compared the cost of living of many European cities with Spanish cities, we did a comparison of the cost of living of all the major cities in England with all the Spanish cities and last but not least we compared all the big cities in the world to the major Spanish cities as Barcelona and Madrid cost of living and agreed Spain has not the lowest cost of living in Europe… but one of the lowest for sure. For instance, the cost of living in Malaga is 50% of New York and Barcelona and Madrid are more expensive but remain at about 60%. By the way, you will find many links that will help you to compare your own city to any city in the world.

Cost of living in Spain vs in the World

Which European nations provide the most favourable political landscape for relocation?

 

In this blog post, we’ll look at some of the best European countries when it comes to their political climate and why they make great relocation destinations.

 

One such country is Switzerland. This small nation has long been lauded as one of the most politically stable nations in Europe due to its neutrality policy and commitment to democracy. The Swiss have an excellent reputation amongst international bodies like the United Nations and NATO due to their neutral stance on global issues, making them an attractive destination for those seeking stability within their new home country’s politics. Additionally, Switzerland has strong economic ties with other European nations that help attract businesses searching for trustworthy trading partners – thus providing more job opportunities for those who choose to relocate there.

 

Another great option is Germany – not only does this large nation boast beautiful cities like Berlin but also offers much in terms of stability when it comes to politics too – especially since reunification following World War II ended up creating a unified government system that provided greater security than before while also giving citizens more individual freedoms than ever before. Moreover, Germany boasts one of the strongest economies in all of Europe thanks to both its links with other EU members as well as its commitment towards balancing public spending so as not to create any financial instability down the line. Finally, German law ensures that everyone enjoys equal rights no matter what race or gender they identify with – making it an ideal place where everyone can feel safe regardless if they’re just visiting or permanently relocating there.

 

Other good choices include Austria, Norway, Finland, Sweden & Denmark. These five Scandinavian nations are renowned worldwide for being incredibly progressive socially & politically speaking; something evidenced by how quickly same-sex marriage was legalized across all these states compared to elsewhere around Europe. Beyond LGBT rights, however; these five nations share similar goals economically speaking – namely having strong welfare systems + low unemployment rates through boosting employment initiatives whilst simultaneously promoting innovation & entrepreneurship… All this combines together into creating highly desirable relocation spots no matter what kind of person you may be.

As we all know, most European countries are quite safe in terms of the political climate. Spain is not a bad option either.

To conclude, whether you’re looking for economic prosperity or increased personal safety; there are plenty of options available across Europe depending on your preference! Switzerland provides excellent neutral ground when it comes to maintaining peace whilst Germany is perfect if you value freedom alone.

 

The analysis of Howtobuyinspain.com on the Spanish political climate

Sorry, we don’t have a strong view on that apart that Spain being one of the members of the EU and OECD.

 

Here are three websites that you can use to compare the political situation of different EU countries:

  1. Politico provides in-depth coverage of politics and policy in the EU and its member states. It offers news, analysis, and commentary on a wide range of issues, including Brexit, European elections, and EU governance.
  2. Euractiv covers politics and policy in the EU and its member states. It offers news, analysis, and opinion articles on a range of topics, including EU policies, political developments, and business news.
  3. Europeanvoice provides news and analysis on politics, policy, and business in the EU. It covers a range of topics, including EU governance, foreign policy, and economics.

Are olives one of the secrets of the Mediterranean diet?

The Premier European Nations for Relocation Amidst Robust Economies

 

Are you considering relocating to a new country in Europe? If so, it’s important to consider which countries offer the best economic opportunities. There are many factors that should be taken into account when deciding which country is right for you, including job availability, wages and cost of living. This guide will help you understand what countries have the best economies and why they might be good choices if you’re looking to relocate.

 

Switzerland: Switzerland has one of the most successful economies in Europe and consistently ranks among the top 10 global economies. The Swiss economy is fueled by its strong financial sector as well as its renowned tourism industry. In addition, Switzerland boasts a high level of wage equality and low levels of unemployment – both key indicators that suggest a prosperous economy.

 

Denmark: Denmark is another European nation with an impressive economic record over the past several years. It has achieved near-full employment thanks to sound fiscal policies implemented by successive governments since 2000; this has been especially beneficial for those seeking jobs in technology or finance fields. Furthermore, Denmark offers generous social welfare benefits that make it attractive for potential immigrants who want greater security while living abroad—even during difficult times like now due to COVID-19 pandemic restrictions worldwide.

 

Norway: Norway boasts strong natural resources such as oil and gas reserves that provide a major boost to its GDP figures each year; this helps keep unemployment rates low throughout different sectors of society—not just within specific industries like energy or banking institutions like elsewhere on this list). Additionally, Norway provides free education from kindergarten through university which ensures all citizens can benefit from improved career prospects no matter their background or income level..

 

Germany: Germany’s strong industrial base gives it an edge over other EU member states when it comes to economic growth; even though there was some instability after reunification (in 1990), recent decades have seen steady increases in GDP figures coupled with historically low unemployment rates—which means more job opportunities across multiple sectors (including manufacturing). Furthermore, German companies often pay higher salaries than most other European nations making them highly attractive destinations for potential expats looking at long-term relocation options…

 

Austria: Austria is known for having one of the strongest economies among the EU Member States; much credit goes towards their strong services sector, along with construction, banking, exports & imports etc. What makes Austria particularly attractive however are their progressive tax reforms – businesses face lower taxes compared with neighbouring nations, making them more competitive globally.

 

The analysis of Howtobuyinspain.com on the Spanish Economy

As we wrote in our Spanish real estate outlook for 2023, our view is that Spain is becoming a leading economy in Europe in terms of growth thanks to its qualified workers that are not too expensive and thanks to its long-term potential for renewable energy. In fact, Spain is one of the top two economies in Europe for its growth for 2023 and 2024. Did you know that wind was the biggest energy source in 2022? Not bad. And of course, it has much more potential for wind and solar energy over the next years.

 

If you want to study precise macroeconomic data for all the European countries, you have many interesting sources. We love to use tradingeconomics for quick information and historical data but you have huge databanks at many well-recognized institutions such as Eurostat, OECD and the worldbank allowing you to compare various aspects of the economy and society. They offer a wide range of data on macroeconomic indicators for European countries, such as GDP, inflation, unemployment, government debt, and more. The data can be easily compared using interactive tools.

 

The Finest European Destinations for a Seamless Relocation and Affordable Housing

 

One of the key considerations when relocating is housing costs. Unfortunately, not everyone can afford to live in expensive cities like London or Paris without making major sacrifices elsewhere. Fortunately, there are a number of alternatives across Europe with more affordable housing options. Here we’ll take a look at some of the best countries in Europe to relocate and save on housing costs.

 

Portugal, For those looking for low-cost living abroad combined with beautiful landscapes and plenty of amenities, Portugal should be your first choice! With its Mediterranean climate and stunning beaches along its coastline, it’s no wonder why so many people are choosing this country as their new home base. On average you will find rooms for rent from €400-€500 per month depending on location and type of room/apartment (studio vs one bedroom). The price is also relatively low if you decide to buy an apartment or house as well; a two-bed apartment would typically cost around €250K while houses range from €300K on up depending upon the size and quality of construction materials used. Plus there’s an array of activities available such as surfing, golfing or sailing that make this country even more attractive!

 

Spain, Another great option in terms of affordability when it comes to relocating abroad is Spain – especially when considering buying property here rather than just renting long term! Prices tend to vary greatly but overall they remain very competitive compared with other countries within the European Union (EU). You can expect prices ranging from €200k up depending upon which region you’re located in – Madrid being quite costly whereas Valencia/Granada could offer much lower rates due to their smaller populations and the relative demand for properties throughout these areas respectively. Additionally, Spain offers plenty of perks such as sunny weather all year round plus delicious cuisine so don’t forget about them when deciding where would be best suited for your relocation needs! Here is our detailed analysis of the Spanish real estate market quarterly report. Another interesting article is our article comparing investment returns for the major real estate markets in Europe.

 

Bulgaria, Often overlooked by many expats who want a cheap place to live abroad yet still have access to modern conveniences such as an internet connection; Bulgaria shouldn’t be ignored though because it has everything needed at very reasonable prices including housing-related expenses too! In Sofia which is the capital city here apartments start off at around €100K while outside this bustling metropolis, prices drop significantly going down towards 40 000 euros maximum mark, meaning that anyone seeking cheaper accommodation without sacrificing comfort should definitely consider moving here instead somewhere,

 

The analysis of Howtobuyinspain.com on Spanish housing costs

This subject is covered in general with the cost of living studies. Don’t forget our two major articles comparing the cost of living in Spain vs any cities in Europe, the UK and the world, we include in those rental cost comparisons. Compare the cost of living of all the major cities in England with all the Spanish cities and the big cities in the world to the major Spanish cities such as Barcelona and Madrid. Regarding Spanish real estate opportunities, we will cover that in a full section later in this article and of course, we cover the subject extensively on our site with the help of all our local partners.

The Finest European Destinations for Immersion in Language and Cultural Discovery

With its diverse countries and cultures, rich history, and wide range of languages spoken across the continent, it can be difficult to narrow down your choices. Fortunately, we’ve put together a list of the best countries in Europe for learning a language while experiencing all that international living has to offer!

 

France: Not only does France have some of the most beautiful cities in the world, but it’s also one of the top places to learn French quickly. Whether you’re living in Paris or another city like Bordeaux or Marseille, there are plenty of ways to immerse yourself in French culture—from taking classes at local universities or language schools to conversing with locals over pastries and coffee (or wine!). And if you want even more immersive experiences beyond just speaking French on a daily basis, consider travelling around France during your stay; each region has its own unique dialects that will help expand your understanding of this romantic language even further.

 

Germany: Germany is home not only to some incredible architecture and delicious food (think bratwurst!) but also to one of Europe’s most widely-spoken languages – German. As with any other country on this list, immersing oneself into German culture is key if you want to progress rapidly when it comes to learning their language – visit museums or take classes offered at local schools, or get out into nature by going on hikes through forests filled with castles! You’ll gain an appreciation for both the countryside as well as all things German along with making strides toward fluency in no time.

 

Italy: From pizza & pasta galore plus incredible Renaissance artwork lining streets everywhere – Italy truly offers something unique when compared to other popular European nations vying for attention among travellers alike! Italiaans can often sound quite complicated.

 

The analysis of Howtobuyinspain.com on the Spanish languages and the opportunities it offers.

Spain: If Spanish is more up your alley than French or German then Spain might be right up your street! With its vibrant cities like Madrid full of art galleries & tapas bars plus stunning coastal towns such as Barcelona ready & waiting for exploration – what’s not love?! Learning Spanish here offers so much more than just mastering grammar rules – think flamenco dancing lessons & paella cooking classes too! Plus whether living near beaches peppered along the Costa Brava coastline which stretches from Barcelona towards France’s border – you’ll actually feel like partaking in the Mediterranean lifestyle 24/7!

Another point many people forget is that actually the Spanish language is one of the most spoken languages and is even trusting the first position with the English language. Of course, the Spanish language is another step towards the vibrant countries of South America.

If you want to read further, don’t miss those two websites:

The European Commission’s website on multilingualism in Europe provides information on the EU’s language policies and initiatives to promote language learning and multilingualism. It also offers reports and studies on language diversity and language use in the EU, including data on the most widely spoken languages and the languages used in different EU institutions.

Eurostat is the statistical office of the European Union. The website provides data on a wide range of topics, including language use and proficiency in the European Union. Users can access language statistics on language knowledge, language use at home, and language learning at school or through other means. The website also includes interactive maps and charts to visualize language data across different EU countries.

 

Exploring the most welcoming European countries for foreigners

 

Europe is a continent that has long been renowned for its openmindedness, hospitality and cultural diversity. As such, it should come as no surprise that many European countries are highly welcoming to foreigners from around the world. From Scandinavia to Eastern Europe, there are countless countries which offer a warm welcome to visitors regardless of their nationality or background. In this section, we will explore some of the most welcoming European countries to foreigners and discuss what makes them so hospitable. We will also provide an overview of the types of experiences foreign visitors can expect when visiting these places in order to help you choose your next holiday destination!

Similarly, the Netherlands also provides a warm welcome to visitors while still maintaining unique traditions and customs making them a desirable place for anyone seeking out truly authentic experiences during travels around the continent… And lastly, let’s not forget about Denmark whose commitment to social equality makes the perfect environment for someone wishing to fit right away without feeling intimidated in any way shape or form – whether they’re coming alone couple,

In conclusion, the European countries that are considered to be most welcoming and accommodating to foreigners vary from country to country. However, overall it can be said that many of the Scandinavian countries, such as Sweden and Denmark, are often cited as being particularly warm and friendly towards immigrants. Other popular destinations for immigrants include Germany, Austria, Portugal and Spain which also have a reputation for being open-minded and tolerant of different cultures. Ultimately it is important to remember that each country has its own unique culture which should be respected when travelling or settling in any foreign nation.

 

The view of Howtobuyinspain.com on how Spain is a welcoming country vs other cultures

Spain is generally considered a welcoming country for foreigners, with a strong tradition of hospitality and a diverse population that includes people from many different cultures and backgrounds. That being said, like any country, Spain is not without its challenges for foreigners, and experiences can vary widely depending on a range of factors such as language proficiency, socioeconomic status, and location within the country.

Compared to other European countries, Spain’s immigration policies are relatively open, and the country has a long history of welcoming immigrants from around the world. However, like many countries in the region, Spain has seen a rise in anti-immigrant sentiment in recent years, particularly in response to the ongoing refugee crisis in Europe. As we wrote in the past, Spain has a golden visa policy for foreigners looking to invest in Spain.

In terms of specific policies, Spain offers a range of programs and services to help immigrants integrate into Spanish society, including language classes, job training, and social support programs. However, access to these programs can be limited for some immigrants, particularly those who are undocumented or living in poverty.

Overall, while Spain has a generally positive reputation for welcoming foreigners, it is important to do your research and be prepared for potential challenges, particularly if you are moving to Spain without strong social or economic connections to the country. Additionally, it is always a good idea to be respectful of local customs and traditions and to make an effort to learn the language and culture of your new home.

 

Here are three websites you can use to compare how welcoming a country is to foreigners and the current diversity of European countries:

  1. The World Population Review provides demographic data and statistics for countries all over the world, including population density, ethnic and religious breakdowns, and more. It also has information about immigration policies and how welcoming countries are to foreigners.
  2. The Expat Insider Survey is an annual survey that ranks countries based on how welcoming they are to expats and foreigners. It covers topics such as quality of life, cost of living, ease of settling in, and more. The survey is conducted by InterNations, a global expat network.
  3. Eurostat provides data on population and demographics, immigration, and more. It is a great resource for getting a detailed picture of the current diversity of European countries.

 

Exploring the top Real Estate investment opportunities in Europe

 

One important factor when choosing where in Europe to settle down may very well be affordability; luckily there are some fantastic investment opportunities available all over the continent! Italy has particularly attractive real estate prices right now due largely thanks to incentives offered by Italian banks eager to encourage foreign investors – making it an ideal choice if you’re looking to get your foot onto the property ladder without breaking a bank account! Additionally, Sweden offers generous tax breaks through their “first-time buyer program” helping young people achieve homeownership much sooner than would otherwise have been possible – yet another great opportunity worth considering if planning a long-term stay within the country itself rather than just visiting tourist attractions nearby! But yes, we have to admit, the Swedish real estate market had the best price increase of any real estate market in Europe over the last 10 years.

 

With so many countries to choose from and each offering something unique, choosing the best real estate potential country can be overwhelming. This section will provide an overview of some of the best real estate potential countries in Europe, highlighting their advantages and any challenges associated with investing there. We’ll also discuss what factors should be taken into consideration when making an investment decision. By understanding these elements, investors can make informed decisions about which European country could offer them the highest returns on their investments.

Real estate is one of the most lucrative investments available and Europe remains a highly attractive destination for real estate investment opportunities. There are many factors to consider when evaluating potential countries in Europe, including economic growth, political stability, and population density. We covered most of those already in the first sections of this article.

The first country that stands out as an ideal destination for real estate investors is Germany. This country boasts a strong economy and has seen consistent growth over the past few years. Additionally, Germany is politically stable with no major conflicts or civil unrest on the horizon. With its large population and low unemployment rate, it provides plenty of opportunity for those looking to buy property in Europe’s largest economy.

Next up is Switzerland which offers another great option for real estate investors due to its strong economic performance and low tax rates. Switzerland also ranks highly on various social indicators such as education levels, quality of life indices and public safety ratings – all important considerations when investing abroad in any sector but particularly so when considering buying property overseas where trustworthiness can be difficult to verify from afar… But, yes, the real estate market in Switzerland is one of the most expensive in the world, so, it is not open for everybody.

Denmark makes another excellent choice due to its high level of economic freedom combined with exceptionally good living standards across all parts of society – from healthcare provision through to educational attainment levels – making it an attractive place both live in or invest in property within if you’re looking at returns over a long term period particularly given their currency being pegged against the euro meaning inflationary pressures should remain low over time too compared with other neighbouring countries using their own currencies freely floating against others globally.

Austria rounds off our list as a top pick thanks largely down again to its political stability; having been part of the EU since 1995 (and even before then via EFTA) they benefit from being legally bound by pan-European laws governing trade/investment plus capital flows giving investors peace mind that their money will not suddenly become inaccessible nor subject them potentially jeopardising losses outside their control due changes made eternally either domestically or at supra-national levels beyond what they might expect normally..

All four aforementioned countries provide viable options depending on individual investor preferences but each has diverse characteristics offering something unique that make them worthy places to explore further if seeking gainful exposure toward asset classes like commercial & residential properties alike across the broader geographical regions such as Europe generally speaking without necessarily tying themselves down particular area exclusively although more localised decisions may be taken after a closer examination into respective markets individually taking into account specific needs/requests,

Italy has emerged as an attractive choice for those interested in investing in Italian property over recent years due to its improving economy coupled with its low cost of living compared with other parts of Western Europe making it more affordable even compared with neighbouring nations such as France or Spain where prices tend higher overall despite having similar amenities quality standards. On top of this, certain regions like Tuscany have seen growing interest from foreigners looking at buying second homes here given how stunningly beautiful they are along with being relatively safe locations. Of course, Italy does come with some risk factors like bureaucracy delays but if you manage expectations accordingly then there should be plenty of opportunities waiting here if you’re willing to take them on.

 

The analysis of howtobuyinspain.com, your expert for buying real estate in Spain.

Spain is another country known worldwide for its high standard of living quality at relatively lower prices than many northern counterparts providing ample opportunity for those hoping to capitalize off this difference by investing in Spanish properties whether through purchases or leasing arrangements alike. As said earlier, here is our detailed analysis of the Spanish real estate market quarterly report. Another interesting article is our article comparing investment returns for the major real estate markets in Europe.

 

In conclusion, investing in real estate in Europe can be a rewarding experience. There are several countries that offer great potential for property investments due to their robust economies and low taxes. The UK, Germany and France have long been the most popular destinations for investors before the war in Urkainia; however, other countries such as Spain and Portugal are also experiencing growth in demand from international buyers. As well as these traditional markets there is increasing interest in new emerging markets such as Bulgaria, Latvia and Poland which offer excellent opportunities for investors seeking higher yields than more established locations.

Ultimately, the best real estate investment destination will depend on your individual preferences and circumstances but it is clear that there are many options available across Europe currently offering strong returns for those willing to take advantage of them.

Here are two websites that can be helpful in comparing European real estate markets:

  1. Eurostat allows users to compare real estate prices and rental values across EU countries.
  2. Knight Frank publishes reports on the residential and commercial property markets. Their research covers multiple European markets and provides insights into trends and forecasts.

 

Let’s conclude our European trip

We hope you enjoyed our article on the best places to live in Europe! In this article, we covered the best aspects of European cities, such as the quality of life, life expectancy, food, cost of living, climate, political climate, economy, housing costs, amenities, housing affordability, language, and how welcoming people are to newcomers. We gave you many interesting internal and external sources to help you to compare all those countries to start your new journey.

These are just a few of the many things that set European cities apart from the rest of the world. Europe also boasts a diverse population, which is another reason why many people choose to live there.

When you will start your search for your ideal property abroad, we wrote a very useful guide, it will help you a lot, even if it is not located in Spain, don’t miss it:

We give Spain a very good rating for all our comparison criteria:

of course, Spain is a top country for quality of life, life expectancy and food. Of course, Spain is one of the top contenders for its climate. So where is the downside? Yes, the Spanish economy was in a less stable condition for a while and Spain has a higher unemployment rate than many European countries. In our mind, this is something of the past and the Spanish Economy has one of the best growth prospects for 2023 and 2024 vs other European countries.

So, yes, we stay with one question:

Do you speak Spanish, do you love Spanish? You don’t need to speak Spanish to live in Spain but it is nice to have if you want to stay in Spain for long periods.

Last but not least, don’t forget that Spain is one of the healthiest countries in the world… Need another proof? Spain is the top contender with Japan for life expectancy. thanks to its many structural advantages: more equilibrated life, weather, Mediterranean diet, sunny hours and much more…

 

We are happy to assist you if you are looking to buy a property in Spain.

With the team of howtobuyinspain.com, we are the best choice for anyone looking to buy property in this beautiful country.

Here’s why:

Firstly, we have a wealth of experience and expertise in the Spanish property market. Our team consists of highly skilled and knowledgeable professionals who are passionate about helping people find their dream homes. We have helped numerous clients over the years, and we are confident that we can help you too.

Secondly, we offer a comprehensive range of services that cover every aspect of buying property in Spain. From initial research and property searches to legal and financial advice, we have got you covered. We will guide you through every step of the process and make sure that you have all the information you need to make an informed decision.

Thirdly, we have a vast network of contacts and partners across Spain. This means that we have access to a wide range of properties and can help you find exactly what you are looking for, whether it’s a stunning villa on the Costa del Sol, a charming finca in Andalusia, or a modern apartment in Barcelona.

Finally, we pride ourselves on providing exceptional customer service. We understand that buying property in a foreign country can be a daunting task, and we are here to make the process as smooth and stress-free as possible. We will always be available to answer your questions and provide support whenever you need it.

So, if you are looking to buy property in Spain, look no further than HowtobuyinSpain.com.

We are confident that we can help you find your dream home and make your Spanish property dreams a reality.

Contact us today to learn more.

 

Stéphane

Senior analyst and strategist at HTBIS

Check the full HTBIS team here

 

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