Character villa with magnificent views of the Mediterranean Seaand the bay of Altea Position and orientation The house is situated 150 metres above sea level at the foot of the Sierra de Bernia, the (...)
€ 680.000 Meer informatieHow do you find a great home in Spain safely and for a good price?
Save time by using a good Spanish estate agency who offers only his own supply of stock. Spanish agents often copy each other’s stock and homes that are sold are not removed from the websites. A chaotic situation !
When you are making a large purchase, take advice, especially in Spain. Advice when buying and support in negotiating the price are very important when buying your home in Spain.
It’s important to know how things work: how for instance, under Spanish law, you transfer property, obtain building permits, pay taxes, etc. A good explanation and practice are essential before mistakes make you wiser. It’s to your advantage, before and after the purchase, to use the expertise of your agent for your home in Spain.
You’ve bought your home and you love it! Buying in Spain is certainly a big decision and you want to make it as easy and enjoyable as possible.For years after you will benefit because,if you want advice in the future, you can go to a fixed place – and speak to us in your own language.
De betaling bij de overdracht.
Veel dingen bij de aankoop van een huis in Spanje lopen anders dan bij de aankoop van een huis in Nederland. De betaling bij de overdracht is er één van.
De Nederlandse notaris.
In Nederland maak je een dag voor de overdracht de koopsom over op de derdengelden rekening van de notaris. Na het tekenen van de koopakte maakt de notaris de koopsom over aan de verkopende partij. Indien er sprake is van een hypotheek zal de notaris ook de hypotheek betalen uit de koopsom en daarna het restant overmaken aan de verkopende partij.
Ook als er schulden zijn en er nog zaken verrekend moeten worden zal de notaris deze verrekenen en in mindering brengen op de koopsom die hij uiteindelijk doorbetaalt aan de verkoper. In Nederland neemt de notaris dus een groot deel van het werk voor zijn rekening en heb je er verder geen omzien meer naar. Deze luxe kennen we in Spanje niet.
De Spaanse notaris.
Om te beginnen heeft de Spaanse notaris geen derdengelden rekening waar je de koopsom op kunt storten. Ook bemoeit de Spaanse notaris zich niet met openstaande schulden en hypotheken die nog betaald moeten worden. Hij zal het melden als er een hypotheek is of als er schulden zijn, maar hoe deze worden afgelost valt buiten zijn bemoeienis.
Betaling koopsom gaat direct naar de verkopende partij.
Omdat in Spanje de notaris zich niet met de betalingen bemoeit zul je dus de koopsom rechtstreeks aan de verkoper moeten betalen. Je kunt de betaling doen door middel van een overboeking of door middel van een door de bank gegarandeerde cheque.
Betaling per bankcheque.
In Spanje is de betaling per bankcheque bij een onroerend goed transactie het meest gangbaar. Om een bankcheque te kunnen laten uitschrijven zul je moeten beschikken over een Spaanse bankrekening. Een rekening bij een Spaanse bank heb je toch nodig om in de toekomst de kosten van water en elektriciteit te kunnen laten afschrijven.
Lees verder in Kopers Tips. Hoe betaal je de koopsom bij de notariële overdracht?
Many house buyers in Spain have a purchasing agent to help them buy. Here, some talk about their personal experiences with Houses in Spain.
"Recently, Rinus van Vliet of the estate agency Houses in Spain has provided us with the entire procurement process of our house in Spain.
From the outset, we had the fullest confidence in Rinus and he did it very well!
He combines thorough knowledge with a pragmatic approach. He knows the Spanish market, local regulations and legislation. The best way to do business in Spain is a combination of him with a Dutch, no nonsense approach.
His opinions are honest and good, but he also leaves room for his own vision and input. We have often wondered how we would have completed this complex and specialist route without Houses in Spain and Rinus. "
Kees-Jan Rozestraaten and Marc Broekaart Vinkeveen, Netherlands - Monte Pego, Denia, Spain - August 2016
Top 5 mistakes when buying a house in Spain.
Many buyers of a house in Spain make the mistake of doing the following in the purchasing process.
1. Make the first payment too fast.
Before you make a first payment to the seller, you must be sure that you have negotiated everything you would like. Once you have paid anything, it is more difficult to negotiate with the seller. The seller already has a portion of the purchase price and therefore your negotiating position is weak.
2. Not putting everything on paper.
Often, negotiations take place when considering buying a house, but are left as a verbal record; for example, an arrangement about painting to be done. This happens under the denominator, "we'll do that later". Or "that will be fine". It may sound fine, but could be ‘’forgotten’’, so put it on paper. That prevents arguments later.
3. Insufficient monitoring of the areas. The areas of the plot and the property are insufficiently registered. These must correspond to the areas listed in the property register. Deviations often occur and do not have to be a problem, but they must be corrected by the seller when transferring.
Read on in buyer tips. Top 5 mistakes when buying a house in Spain.
Top 10 estate agency websites of the Spanish banks
Many homeowners in Spain have experienced financial difficulties in the economic crisis. The Spanish banks have, therefore, a considerable number of houses that they have repossessed. They have slowly grown into the largest estate agents in Spain.
The top 10 have a total of 91,669 properties
The banks in the top 10 sell their own properties, 7712of which are in the Alicante province. All is included, from a garage to luxury villas.
Quick summary
In a simple overview, you will find the top 10 websites of Spanish banks; the bank with the most problem properties is at number 1. View the full list on the Blog page.
Buying a house in Spain usually starts with looking at a number of Spanish property sites. Often you visit non-Hispanic sites.
Do you want information closer to the source?
Have a look at the Spanish websites. Spanish people frequently use them and usually they are free. Estate agents sometimes use these sites pay for them.
The 10 biggest Spanish property websites in order.
It is a good way to look what's for sale in the area that you would like to purchase. Comparing prices is also important. The 10 biggest Spanish property websites in order. Check the list here.
How do you buy a home from a Spanish bank?
You see a lovely house on one of the Spanish banks websites. What do you do next?
In this article I outline how you can buy a property in Spain from the bank.
Note the differences of buying from a bank
Banks may be different in the way they operate. You wouldn’t want to miss out on your chosen house. Make sure you are fully informed. Indeed, there are now more buyers in the market looking for a bargain. Do you want a bit more security and guidance? This email address is being protected from spambots. You need JavaScript enabled to view it. For a relatively small cost, I will support you in your purchase.
Plan a viewing
The agreement is quite easy to make via a form on the bank’s website. If you are lucky, you will be quickly contacted by a commercial bank employee or a broker who has been hired by the bank.
Make an offer
How to buy a property from a Spanish bank read all about on the page Buyers tips.
Het moment van tekenen is het moment dat je alles moet verrekenen.
Dit moet je altijd doen.
- Breng alle achterstallige betalingen in kaart.
- Reken de belastingen uit die de verkoper moet betalen.
- Hou al deze bedragen in op het moment dat je bij de notaris zit.
Jaren na de aankoop viel er nog een aanslag op de deurmat.
De verkoper heeft de verplichting een gemeentebelasting te betalen over de kadastrale waardestijging van de grond. De hoogte van de aanslag is afhankelijk van het aantal jaren dat hij eigenaar is. Deze gemeentebelasting heet de "Plus Valïa". Laat dit bedrag altijd uitrekenen en hou het in op de te betalen koopsom.
"Maar de verkoper was zo aardig." Lees verder in kopers tips. Koopakte tekenen? Vergeet niet te verrekenen.
