# Realista — Resources

> Costa del Sol real-estate knowledge base from Realista: guides to buying and selling property in Spain, neighbourhood area guides, and frequently asked questions.

Resources: https://www.realista.com/resources/

## Buying
- [How to Evaluate a New Development Before You Buy: 10 Things Buyers Miss](https://www.realista.com/resources/buy/how-to-evaluate-a-new-development-before-you-buy-10-things-buyers-miss/): Buying a property in a new development is a great option. You see beautiful images, modern designs, and attractive payment plans. Many buyers start imagining their…
- [Buying a Property in Spain – The Buying Process](https://www.realista.com/resources/buy/buying-a-property-in-spain-the-buying-process/): As is the case in all countries, Spain has a unique procedure for buying property. The process will probably be unfamiliar to you and involve professionals…
- [Best Place to Buy a Villa in Spain](https://www.realista.com/resources/buy/best-place-buy-villa-spain/): If you’re looking for the best place to buy a villa in Spain, the answer can never be straightforward. It all depends on your personal situation…
- [Your Guide to Finding a Property in Spain](https://www.realista.com/resources/buy/your-guide-to-finding-a-property-in-spain/): The obvious first step to buying is finding a property in Spain. There are three main ways to go about this: on your own, using a…
- [How We Help You Buy Property in Spain](https://www.realista.com/resources/buy/our-service/): The Costa del Sol is a competitive property market, and the best opportunities are often not visible to the public. That is why more buyers choose…
- [Tips on How to Buy a Villa in Spain](https://www.realista.com/resources/buy/how-to-buy-a-villa-in-spain-tips/): Perhaps you've been thinking about it for a long time, and now you've finally decided the time is right to buy your dream house in Spain.…
- [Why You Should Buy a Holiday Villa in Marbella](https://www.realista.com/resources/buy/buy-holiday-villa-marbella/): Many people consider renting a holiday home in Marbella, but few consider buying a holiday villa, which could be a better long-term choice. While purchasing a…
- [Choosing a House: Tips for Buying a House in Marbella](https://www.realista.com/resources/buy/choosing-a-house-tips-for-buying-a-house-in-marbella/): Buying a home in Marbella is exciting, but it can also feel overwhelming. There are various property types in Marbella, including beachfront apartments, golf residences, and…
- [Opening a Bank Account in Spain](https://www.realista.com/resources/buy/opening-a-bank-account-in-spain/): Once you’ve made the decision to buy property in Spain, you’ll need to open a bank account. Not only can you use this account to transfer…
- [A Simple Guide to Buying Resale Property in Spain](https://www.realista.com/resources/buy/buying-resale-property-in-spain/): Buying a resale property in Spain can be an excellent investment, particularly for foreign buyers drawn to the sunny lifestyle, rich culture, and strong real estate…
- [What Kind of House in Marbella Would you Choose?](https://www.realista.com/resources/buy/house-in-marbella/): If you’ve ever been to the greater region of Marbella or have heard about it, then it’s hard to deny it’s an amazing place to live.…
- [Buying Property in Spain: What Taxes and Fees can you Expect?](https://www.realista.com/resources/buy/buying-property-in-spain-what-taxes-can-you-expect/): What are the Costs and Taxes Involved in Buying a Spanish Property? Buying a property in Spain entails certain costs in addition to the purchase price.…
- [Financial and Legal Requirements When Buying a Home in Spain](https://www.realista.com/resources/buy/the-process-of-moving-to-another-country-even-when-buying-as-a-holiday-home/): Spain remains one of the most attractive countries in Europe for foreign buyers, especially in Costa del Sol, where the lifestyle, climate, and international connections make…
- [How to Buy a Home in Today’s Market in the Marbella Area](https://www.realista.com/resources/buy/how-to-buy-a-home-in-todays-market/): Marbella’s real estate market is on the move, with interest from buyers around the world stronger than ever. With a limited supply and high demand, properties…
- [7 Great Reasons to Buy a Home in Marbella](https://www.realista.com/resources/buy/7-great-reasons-to-buy-a-home-in-marbella/): If you’re looking for the best place to buy a second home on the Costa del Sol, the answer can never be straightforward. It all depends…
- [ALL YOU NEED TO KNOW ABOUT A NIE](https://www.realista.com/resources/buy/all-you-need-to-know-about-a-nie/): One of the first steps when buying Spanish property is to obtain your NIE. This number serves as your identification in Spain and is a vital…
- [ALL YOU NEED TO KNOW ABOUT GETTING A SPANISH MORTGAGE](https://www.realista.com/resources/buy/all-you-need-to-know-about-getting-a-spanish-mortgage/): If you’re buying a property in Spain, you may be considering taking out a loan to finance part of the purchase. Getting a Spanish mortgage is…
- [The Role of a Real Estate Agent in Buying Off-Plan Property on the Costa del Sol](https://www.realista.com/resources/buy/real-estate-agent-off-plan-costa-del-sol/): When embarking on the journey of purchasing off-plan property on the Costa del Sol, having a seasoned real estate agent by your side can make all…
- [Realista – negotiating the price for your property in Spain](https://www.realista.com/resources/buy/negotiations-when-buying-a-spanish-property/): Negotiating the price for your property in Spain Negotiations between the vendor and buyer are a key factor when buying a Spanish property. First and foremost,…
- [Property finding service on the Costa del Sol](https://www.realista.com/resources/buy/property-finding/): Our property finding service on the Costa del Sol involves a combination of many factors and the pooling of valuable resources. In order to find the…
- [Final Steps to Buying and Moving](https://www.realista.com/resources/buy/buying-moving/): Realista’s services stretch beyond finding the ideal property for you. Once the deal is agreed and confirmed on the purchase of your chosen property, we continue…
- [Search Form](https://www.realista.com/resources/buy/search-form/): At Realista, we know the local market inside out so it makes sense to let us find the property on the Costa del Sol for you.…
- [OWNERSHIP STRUCTURE OF SPANISH PROPERTY](https://www.realista.com/resources/buy/ownership-structure-of-spanish-property/): A major consideration when you buy property in Spain is the ownership structure. You need to think carefully about who is going to appear on the…
- [BUYING A FURNISHED SPANISH PROPERTY](https://www.realista.com/resources/buy/buying-a-furnished-spanish-property/): The nature of the Spanish property market in areas popular with foreign buyers means that most properties are holiday homes. They’re therefore more likely to be…
- [BUYING A PROPERTY IN SPAIN – GENERAL FACTS](https://www.realista.com/resources/buy/buying-a-property-in-spain-general-facts/): That Spain ranks one of the world’s favourite places to buy property is no secret. The country stands as the top destination for foreigners year after…
- [THE ROLE OF A REAL ESTATE AGENCY IN SPAIN](https://www.realista.com/resources/buy/the-role-of-a-real-estate-agency-in-spain/): When you make the decision to buy property in Spain, you need some help in finding it. Just under half of Spanish buyers choose to use…
- [TAXES ON OWNING A SPANISH PROPERTY](https://www.realista.com/resources/buy/taxes-on-owning-a-spanish-property/): When you own a property in Spain you’re liable for certain annual taxes. In this article, we take a look at the taxes you are likely…
- [YOUR GUIDE TO COMMUNITY FEES IN SPAIN](https://www.realista.com/resources/buy/your-guide-to-community-fees-in-spain/): The vast majority of properties in Spain located in urban areas belong to a community of owners (comunidad de propietarios in Spanish). As part of a…
- [Marbella Property Buying Guide](https://www.realista.com/resources/buy/marbella-property-buying-guide/): Why Buy a Property in Marbella? Experience a taste of luxury living! The best-known resort on the Costa del Sol, Marbella enjoys a reputation as one of…
- [All you need to know about buying a Marbella villa](https://www.realista.com/resources/buy/all-you-need-to-know-about-buying-a-marbella-villa/): Of all the types of properties for sale, Marbella villas feature as one of the most popular. After all, owning a villa in this prime resort…
- [Tips on how to buy property in Spain – The greater Marbella area](https://www.realista.com/resources/buy/tips-how-to-buy-property-spain-marbella-benahavis-estepona/): Perhaps you've been thinking about it for a long time, and now you've finally decided the time is right to buy your dream house in Spain.…
- [Bank Repossessions in Marbella: Busting the Myth](https://www.realista.com/resources/buy/bank-repossessions-marbella-busting-myth/): What is really true about buying a repossession in Marbella? Ever since the crisis, stories have been going round of cheap villas in Marbella being sold…
- [Where to buy a second home in Spain](https://www.realista.com/resources/buy/buy-second-home-spain/): Buying a second home in Marbella The next question is: Where in Spain to buy that second home? In Love. We’re going to be honest with…

## Selling
- [Marketing your property in Spain to sell](https://www.realista.com/resources/sell/marketing-your-property-in-spain-to-sell/): One way of making big savings on the sale of your property in Spain is to market it yourself. Not only does this mean you avoid…
- [Selling Property in Marbella: How we can Help to Sell your House](https://www.realista.com/resources/sell/selling-property-in-marbella-how-we-can-help-to-sell-your-house/): The greater region of Marbella is an incredibly popular place to buy a property – whether it’s for personal use as a holiday home or as…
- [Selling property in Spain: what taxes can you expect?](https://www.realista.com/resources/sell/selling-property-in-spain-what-taxes-can-you-expect/): As a quality real estate agent, we often help people sell property in Marbella by liaising with their solicitor and locating serious buyers. We know it…
- [Choosing the right estate agency to sell your property in Spain](https://www.realista.com/resources/sell/choosing-the-right-estate-agency-to-sell-your-property-in-spain/): When you’re selling a property you want a sale to go through as quickly as possible and to get for the highest price. Spain is no…

## Area guides
- [Estepona Area Guide](https://www.realista.com/resources/area-guides/estepona/): About this Estepona Area Guide Below you’ll find the Realista Estepona Area Guide. It gives you a general overview of the area, its attractions and the…
- [Costa del Sol Guide](https://www.realista.com/resources/area-guides/costa-del-sol/): The Costa del Sol is one of Spain’s most desirable coastal regions, known for its warm climate, beautiful beaches, and luxury lifestyle. This guide is created…
- [San Pedro de Alcántara Area Guide](https://www.realista.com/resources/area-guides/san-pedro-de-alcantara/): San Pedro de Alcántara, known as just San Pedro by locals, is a small town to the west of Marbella. Much younger historically than other resorts…
- [Puerto Banús Area Guide](https://www.realista.com/resources/area-guides/puerto-banus/): For most people, Puerto Banús needs no introduction. Southern Spain’s finest marina (among the most luxurious in Europe) sparkles as one of the biggest attractions on…
- [Marbella Area Guide](https://www.realista.com/resources/area-guides/marbella/): About this Marbella Area Guide The Realista Marbella area guide provides an insight into one of the most famous resorts on the Costa del Sol. Below…
- [Guide to Marbella Club Hotel](https://www.realista.com/resources/area-guides/marbella-club-hotel/): The Marbella Club Hotel is one of the most famous hotels in Spain. It’s also a key part of Marbella’s history as a luxury destination. Located…
- [Bahía de Marbella Area Guide](https://www.realista.com/resources/area-guides/bahia-de-marbella/): There is a reason serious buyers keep coming back to Bahía de Marbella. While it may not be the most high-profile destination on the Costa del…
- [Casasola Area Guide](https://www.realista.com/resources/area-guides/casasola/): Located on the eastern edge of Estepona, Casasola is one of the most exclusive beachside residential areas that offers privacy, space, and direct access to the…
- [Nueva Andalucía Area Guide](https://www.realista.com/resources/area-guides/nueva-andalucia/): Looking for property near Marbella? You need to know about Nueva Andalucía. This highly desired area gives you the best of both worlds: a peaceful, family-friendly…
- [Benahavis Area Guide](https://www.realista.com/resources/area-guides/benahavis/): This Benahavís area guide provides all the basic information you need to know about this beautiful town in Costa del Sol. We explain where it is,…
- [Finca Cortesin Area Guide](https://www.realista.com/resources/area-guides/finca-cortesin/): Looking for a place that offers privacy, luxury, and beautiful natural surroundings? In this guide, Realista takes a closer look at Finca Cortesin, including its homes,…
- [Malaga Area Guide](https://www.realista.com/resources/area-guides/malaga/): About this Malaga Area Guide Below you’ll find the Realista Malaga Area Guide. It gives you a general overview of the city and what it’s like.…
- [Anantara Villa Padierna Palace Hotel](https://www.realista.com/resources/area-guides/villa-padierna-palace-hotel/): This guide to Anantara Villa Padierna Palace Hotel forms part of the Realista guide to iconic places on the Costa del Sol. The guide provides a…
- [Hotel Puente Romano Marbella](https://www.realista.com/resources/area-guides/hotel-puente-romano/): This guide to Hotel Puente Romano Marbella forms part of the Realista guides to iconic places on the Costa del Sol. Below, you’ll find an overview…
- [Cascada de Camoján Area Guide](https://www.realista.com/resources/area-guides/cascada-de-camojan/): Situated at the base of Marbella’s iconic La Concha mountain, Cascada de Camoján is one of the most exclusive residential communities on the Costa del Sol.…
- [Los Arqueros Golf Guide](https://www.realista.com/resources/area-guides/los-arqueros/): The Realista guide to Los Arqueros gives a general overview of this quality development near Marbella. In it, you’ll discover where this high-end golf complex is…
- [Sierra Blanca Guide](https://www.realista.com/resources/area-guides/sierra-blanca/): Our Sierra Blanca guide offers information about this highly sought-after area in Marbella. Its privileged location has made it a favourite with property buyers looking for…
- [Marbella East Area Guide](https://www.realista.com/resources/area-guides/marbella-east/): Marbella East, extending from the eastern side of Marbella town to Cabopino on the Mijas border, is one of the most attractive and diverse residential areas…
- [Casares Area Guide](https://www.realista.com/resources/area-guides/casares-area-guide/): Casares is a traditional whitewashed village known for its narrow cobblestone streets, history and panoramic views of the Mediterranean. Blending traditional Andalusian charm with modern coastal…
- [Mijas Costa Area Guide](https://www.realista.com/resources/area-guides/mijas-costa/): About Mijas Costa Area Guide Below you’ll find the Realista Mijas Costa area guide. It provides a general area of this popular area on the Costa…
- [La Quinta Golf Area Guide](https://www.realista.com/resources/area-guides/la-quinta-golf-area-guide/): Located in stunning landscapes, La Quinta is an exclusive residential area on the Costa del Sol. It revolves around the prestigious La Quinta Golf & Country…
- [Sotogrande Area Guide](https://www.realista.com/resources/area-guides/sotogrande/): Realista aims to provide a detailed guide about Sotogrande, helping you decide if it’s the right location for your property investment. Discover the various areas within…
- [New Golden Mile](https://www.realista.com/resources/area-guides/new-golden-mile-a-comprehensive-area-guide/): Stretching along the coastline between Estepona and San Pedro de Alcántara, the New Golden Mile has become one of Costa del Sol’s most desired areas. Renowned…
- [Ronda area guide](https://www.realista.com/resources/area-guides/ronda/): About this Ronda Area Guide Below you’ll find the Realista Ronda area guide, written to provide an overview of this quintessentially Andalusian town, north of Marbella.…
- [La Zagaleta Guide](https://www.realista.com/resources/area-guides/la-zagaleta/): This Realista La Zagaleta guide offers a general overview of one of the most luxurious developments on the Costa del Sol and indeed, Spain. As well…
- [Los Flamingos Area Guide](https://www.realista.com/resources/area-guides/los-flamingos-area-guide/): Located between the municipalities of Benahavís and Estepona, Los Flamingos Golf Resort is a luxury gated community offering a mix of exclusive villas, high-end apartments, and…
- [Guadalmina Area Guide](https://www.realista.com/resources/area-guides/guadalmina/): When you think of luxury places to buy a home in Marbella, the Golden Mile, Nueva Andalucía and Sierra Blanca probably spring to mind. But the…
- [Marbella Golden Mile area guide](https://www.realista.com/resources/area-guides/marbella-golden-mile/): About the Marbella Golden Mile Area Guide The Realista Marbella Golden Mile area guide forms part of our Area Guide series covering the principal resorts on…

## FAQs
- [Do Realista have any part in this stage of buying property?](https://www.realista.com/resources/faqs/all/#faq-4096): Yes, our services go far beyond sourcing a property and negotiating its price. Once you have agreed a price with the seller and contracted a lawyer, we continue to oversee the entire process. We act as general coordinators, undertaking such…
- [How long does it take to buy a property in Spain?](https://www.realista.com/resources/faqs/all/#faq-4097): The actual time period depends on the buyer and seller, and the schedule is set out in the purchase contract (see below). Typically, the process takes a month, but sometimes it takes longer.
- [Tell us roughly what the procedure is for buying property in Spain](https://www.realista.com/resources/faqs/all/#faq-4098): Once your offer is accepted, your lawyer will check all the legal aspects of the property and draw up a purchase contract setting out the terms and conditions for the purchase. Once these are agreed, both parties sign the contract…
- [How much does we need to pay in taxes and fees when we buy a home in Spain?](https://www.realista.com/resources/faqs/all/#faq-4099): The actual amount depends on the purchase price, but you should allow between 10% and 12% of the price to pay for transfer tax or VAT and professional fees such as the Notary and Registry Office.
- [Are Spanish properties freehold?](https://www.realista.com/resources/faqs/all/#faq-4100): The vast majority of properties in Spain are freehold.
- [Can my partner and I share title on our Spanish property?](https://www.realista.com/resources/faqs/all/#faq-4101): Spanish law allows for multiple owners on the title deeds to a property. We advise you to discuss the implications of sharing title, particularly for inheritance matters, with your lawyer before you buy.
- [How soon after buying can we move into our property in Spain?](https://www.realista.com/resources/faqs/all/#faq-4102): When both parties sign the title deeds at the Notary, the seller is obliged to hand over the keys to the property. This means you can move into the property immediately after buying it.
- [Do I need to be a Spanish resident to open a bank account?](https://www.realista.com/resources/faqs/all/#faq-180747): No. You can open a non-resident bank account in Spain even if you don’t live there.
- [What documents are required to open a resident bank account in Spain?](https://www.realista.com/resources/faqs/all/#faq-180748): To open a resident account, banks usually ask for: Passport or national ID NIE (Spanish tax number) Proof of address in Spain Proof of income (like a work contract, a pension statement, or a tax return)
- [How much does it cost in taxes to own a property in Spain?](https://www.realista.com/resources/faqs/all/#faq-4109): Owning a property in Spain involves several taxes, payable annually, including: Non-resident income tax based on fiscal value of your property. Non-resident wealth tax on properties with a fiscal value over €700,000. Local council taxes, known as IBI and based…
- [Could you give us an idea of monthly utility costs?](https://www.realista.com/resources/faqs/all/#faq-4110): It’s very difficult to provide an estimate of how much you will spend on utility costs as these obviously depend on how often you occupy the property, its size and energy-efficiency. Electricity bills are payable monthly or bi-monthly; water bills…
- [How do I go about paying taxes and utility costs?](https://www.realista.com/resources/faqs/all/#faq-4111): The best way to pay for utility costs and council taxes is via direct debit from your Spanish bank account. At Realista, we are happy to set this up on your behalf.
- [Can I open a Spanish bank account before moving to Spain?](https://www.realista.com/resources/faqs/all/#faq-180751): Yes. Most banks allow you to open a non-resident account before moving, which is useful for renting, buying property, or preparing your move.
- [What about community costs?](https://www.realista.com/resources/faqs/all/#faq-4112): Community costs are payable on all properties in Spain that share communal services such as gardens, swimming pools, cleaners and security staff. The actual amount, levied monthly or quarterly, depends on the services provided. When you view a property Realista…
- [Can foreigners without residency apply for a Spanish bank account?](https://www.realista.com/resources/faqs/all/#faq-180752): Yes. Foreigners can open a non-resident bank account with just a passport and NIE.
- [How does the community system work?](https://www.realista.com/resources/faqs/all/#faq-4113): Community management is based on common consensus among owners who meet at least once a year to decide how they wish to run the community. Decisions are made through majority vote. If you are not able to attend the meeting…
- [How long does it take to open a bank account in Spain?](https://www.realista.com/resources/faqs/all/#faq-180753): It can take a day if the bank processes everything quickly. A few days if they need extra verification, or if you’re applying from abroad.
- [What about inheritance in Spain?](https://www.realista.com/resources/faqs/all/#faq-4114): Once you are the owner of assets in Spain, inheritance becomes important. We advise you to take expert legal advice from your lawyer on this matter.
- [Can I use my Spanish bank account to receive salary or pension payments?](https://www.realista.com/resources/faqs/all/#faq-180754): Yes. You can receive a salary, a pension, and rental income. Just make sure the account type fits the bank’s requirements.
- [Should we make a will for our Spanish property and assets?](https://www.realista.com/resources/faqs/all/#faq-4115): While you are not legally obliged to make a will in Spain, having a legal Spanish will makes the inheritance process considerably easier and quicker for your heirs. Your lawyer can provide advice on making a will in Spain.
- [Do Spanish banks offer English-language services or online banking for foreigners?](https://www.realista.com/resources/faqs/all/#faq-180755): Most major banks do. You can usually find English-speaking staff, English online banking and mobile apps Also, some major banks offer customer service in English.
- [What sort of insurance should we take out on our Spanish property?](https://www.realista.com/resources/faqs/all/#faq-4116): Household insurance is vital and you should insure both the building itself and the contents.
- [Do I need a Spanish bank account to buy property in Spain?](https://www.realista.com/resources/faqs/all/#faq-180756): Technically, no, but it is highly recommended. A Spanish bank account makes it easier to pay the seller, transfer funds and pay notary, taxes, and utilities.
- [Can you recommend a reputable company?](https://www.realista.com/resources/faqs/all/#faq-4117): We are happy to provide you with recommendations for companies we have worked with over the years and who have proven themselves to be worthy of our confidence.
- [Can I pay for a property purchase in Spain using a foreign bank account?](https://www.realista.com/resources/faqs/all/#faq-180757): Yes, you can transfer money from a foreign account. But Spanish banks sometimes charge receiving fees. Additionally, large international transfers must be fully verified for anti–money laundering purposes. It is advised to open a local bank account.
- [Do you just sell properties?](https://www.realista.com/resources/faqs/all/#faq-4118): No, helping people find the property that matches their requirements exactly is just one of our services. We also assist with many other aspects involved with the purchase of Spanish property – see below for more details.
- [What are the typical bank fees for property transactions in Spain?](https://www.realista.com/resources/faqs/all/#faq-180758): Common fees include charges for international transfers, fees for issuing a banker’s draft and currency exchange costs if sending money in a different currency.
- [Can you help with the buying process?](https://www.realista.com/resources/faqs/all/#faq-4119): Buying a property in Spain can be a stressful process, particularly if you’re not in the country at the time. We take the stress out of buying for you by providing assistance throughout the process and coordinating the other professionals…
- [Can I open a joint Spanish bank account with my partner for buying property?](https://www.realista.com/resources/faqs/all/#faq-180759): Yes. Spanish banks allow joint accounts with two or more holders. Both people must provide identification and sign the forms.
- [What about your services when we own a property in Spain?](https://www.realista.com/resources/faqs/all/#faq-4120): Once you own a property in Spain we are on hand to help out with multiple matters. These include: Transferring utility contracts into your name. Contracting utility services for a new property. Notifying the local council of your ownership. Registering…
- [Is it necessary to have a Spanish bank account to pay notary and legal fees during a property purchase?](https://www.realista.com/resources/faqs/all/#faq-180760): Not mandatory, but it makes the process convenient. These fees are usually paid on completion day, and a local account makes the process easier and faster.
- [What about improvements to our Spanish property?](https://www.realista.com/resources/faqs/all/#faq-4121): Most new owners of Spanish property carry out some sort of home improvements. Our services also encompass these and we can advise and/or assist with renovation and refurbishment work, all architectural-related services and interior design. Our dedicated team can also…
- [Can you assist with removals?](https://www.realista.com/resources/faqs/all/#faq-4122): Realista can recommend reputable companies and advise on any aspects to do with removals. Please contact us for further information.
- [How much is the property tax (IBI) on a property in Spain?](https://www.realista.com/resources/faqs/all/#faq-180552): IBI is a yearly property tax set by the local town hall. It is calculated using the cadastral value, which is usually lower than the market value. Most properties pay 0.4% to 1.1% of the cadastral value per year. The…
- [What taxes do non-residents pay in Spain?](https://www.realista.com/resources/faqs/all/#faq-180572): If you own a property in Spain but live abroad, you may pay the following taxes, which include: IBI (local property tax) Non-resident income tax Wealth tax, only if your Spanish assets exceed the regional threshold Capital gains tax when…
- [What taxes do you pay if you buy a property in Spain?](https://www.realista.com/resources/faqs/all/#faq-180573): The taxes you pay depend on whether the home is new or resale: If resale: Property transfer tax (ITP) — varies by region, usually between 6 to 10%. If new-build: VAT — normally 10%. Stamp Duty — usually 0.5%–1.5%. Other…
- [Are taxes higher in Spain or the USA?](https://www.realista.com/resources/faqs/all/#faq-180574): There is no simple answer. It depends on: Where in Spain or the U.S. the property is located. Whether you live in the country or are a non-resident The type of tax (property tax, income tax, capital gains, etc.) In…
- [Who is Realista?](https://www.realista.com/resources/faqs/all/#faq-19329): Realista is a professional, independent home finder, specialising in the Costa del Sol, Spain. Realista will find the right property, in the right area, at the best possible price. We limit the number of people we help to ensure the…
- [What is Realista’s primary business?](https://www.realista.com/resources/faqs/all/#faq-19330): It is a property search company. It finds the right property, in the right area, at the right price for those wishing to buy a home in the Costa del Sol area of Spain.
- [What advantages does Realista offer?](https://www.realista.com/resources/faqs/all/#faq-19331): It saves people time – traditional agents sell property and only showcase what is on their books. To find the right property requires the use of more than one estate agent. Realista, however, provides a gateway to a network of…
- [Has the Spanish Golden Visa officially ended?](https://www.realista.com/resources/faqs/all/#faq-184197): Yes. The Spanish government ended the Golden Visa programme in April 2025. New applications based on property investment are no longer accepted.
- [How does Realista work?](https://www.realista.com/resources/faqs/all/#faq-19334): Realista has a substantial network of agents, developers and private owners. Those wishing to purchase a home contact us to outline and discuss the requirements. Realista then searches for suitable properties from its extensive network of contacts including searching pre-market…
- [Why was the Golden Visa programme discontinued?](https://www.realista.com/resources/faqs/all/#faq-184198): The programme was ended mainly to improve housing affordability for residents and reduce speculative foreign investment in real estate.
- [Who pays for Realista’s services?](https://www.realista.com/resources/faqs/all/#faq-19335): Realista is free to the purchaser. It is the vendor who pays.
- [What happens to existing Golden Visa holders?](https://www.realista.com/resources/faqs/all/#faq-184199): If you already have a Golden Visa, your residency rights remain valid, and you will not be affected by the programme’s closure.
- [How does Realista market its services?](https://www.realista.com/resources/faqs/all/#faq-19336): Realista promotes its services using a variety of channels including online, advertising and use of exhibitions.
- [Can current Golden Visa holders still renew their permits?](https://www.realista.com/resources/faqs/all/#faq-184200): Yes. Renewals are still allowed, provided you maintain your initial investment and continue to meet residency requirements.
- [Who are Realista’s competitors in the market?](https://www.realista.com/resources/faqs/all/#faq-19337): There are no real competitors to Realista. Agents and developers are not a threat – they are part of the property search solution.
- [Does the end of the Golden Visa mean foreigners can’t buy property in Spain?](https://www.realista.com/resources/faqs/all/#faq-184201): No. Foreigners can still freely buy property in Spain, including on the Costa del Sol. The only change is that property investment no longer grants automatic residency.
- [What are the alternatives to the Golden Visa in Spain?](https://www.realista.com/resources/faqs/all/#faq-184202): Popular alternatives include: Non-Lucrative Visa (for retirees or those with passive income) Digital Nomad Visa Work Visa or Entrepreneur Visa Each option has different income and residency requirements.
- [Is the Non-Lucrative Visa a good alternative?](https://www.realista.com/resources/faqs/all/#faq-184203): Yes, especially for buyers who do not need to work in Spain and have sufficient savings or passive income. However, unlike the Golden Visa, it requires spending more time in Spain each year.
- [What is the Digital Nomad Visa in Spain?](https://www.realista.com/resources/faqs/all/#faq-184204): It is a residence visa that allows non-EU remote workers to live in Spain while working for companies or clients outside Spain.
- [Who is eligible for the Spain Digital Nomad Visa?](https://www.realista.com/resources/faqs/all/#faq-184205): Non-EU citizens who work remotely and meet Spain’s income and professional requirements.
- [What type of work qualifies for this visa?](https://www.realista.com/resources/faqs/all/#faq-184206): Remote employment, freelance work, or running a business that operates mainly outside Spain.
- [What are the income requirements for the Digital Nomad Visa in Spain?](https://www.realista.com/resources/faqs/all/#faq-184207): Applicants typically need to show a monthly income of around €2,500–€3,000, with higher thresholds if applying with family members.
- [Can freelancers and self-employed workers apply?](https://www.realista.com/resources/faqs/all/#faq-184208): Yes, freelancers and self-employed professionals are eligible if they meet the income and contract rules.
- [Can business owners apply for the Spanish Digital Nomad Visa?](https://www.realista.com/resources/faqs/all/#faq-184209): Yes, business owners can apply if their company is based outside Spain and they work remotely.
- [What documents are required for the application?](https://www.realista.com/resources/faqs/all/#faq-184210): Passport, proof of income, work contracts or client agreements, health insurance, and a clean criminal record.
- [Can you work for Spanish companies with a Digital Nomad Visa?](https://www.realista.com/resources/faqs/all/#faq-184211): Yes, but no more than 20% of your total income can come from Spanish clients or companies.
- [How long can you stay in Spain with this visa?](https://www.realista.com/resources/faqs/all/#faq-184212): The visa allows an initial stay of up to one year, extendable to longer residence permits.
- [How do you apply for the Digital Nomad Visa in Spain?](https://www.realista.com/resources/faqs/all/#faq-184213): You can apply through a Spanish consulate or from within Spain if you are legally present.
- [Can you apply from within Spain?](https://www.realista.com/resources/faqs/all/#faq-184214): Yes, applications can be submitted from Spain under certain legal conditions.
- [How long does the application process take?](https://www.realista.com/resources/faqs/all/#faq-184215): Most applications are processed within 20 to 45 days.
- [Do digital nomads become tax residents in Spain?](https://www.realista.com/resources/faqs/all/#faq-184216): You may become a tax resident if you spend more than 183 days per year in Spain.
- [Can digital nomads benefit from the Beckham Law?](https://www.realista.com/resources/faqs/all/#faq-184218): Yes, many digital nomads can apply for this special tax regime if they meet the criteria.
- [Can you bring your family on a Digital Nomad Visa?](https://www.realista.com/resources/faqs/all/#faq-184220): Yes, spouses/partners, children and dependent family members can be included in the application. However, you have to show a higher income to support them.
- [Can your spouse work in Spain under this visa?](https://www.realista.com/resources/faqs/all/#faq-184221): Yes, family members are allowed to work legally in Spain.
- [Can the Digital Nomad Visa be renewed?](https://www.realista.com/resources/faqs/all/#faq-184222): Yes, it can be renewed for up to five years in total.
- [Does the Digital Nomad Visa lead to permanent residency or citizenship?](https://www.realista.com/resources/faqs/all/#faq-184223): Yes, long-term residency and citizenship may be possible after meeting legal requirements.
- [Can digital nomads rent or buy property in Spain?](https://www.realista.com/resources/faqs/all/#faq-184224): Yes, digital nomads can rent long-term or buy property in Spain without restrictions.
- [Is the Digital Nomad Visa a good option for property buyers?](https://www.realista.com/resources/faqs/all/#faq-184225): Yes, especially for buyers who want to live in Spain part-time or full-time, and they have international income streams and do not have to rely on local employment.
- [What is the Non-Lucrative Visa?](https://www.realista.com/resources/faqs/all/#faq-184226): The Non-Lucrative Visa allows non-EU citizens to live in Spain without working. It is ideal for retirees or individuals with passive income.
- [What income is required for the Non-Lucrative Visa?](https://www.realista.com/resources/faqs/all/#faq-184227): You typically need to show around €28,800 per year for the main applicant. However, you need to have additional funds for each dependent. This income must come from passive sources such as savings, pensions, or investments.
- [Can I work with a Non-Lucrative Visa?](https://www.realista.com/resources/faqs/all/#faq-184228): No. You are not allowed to work or earn income while living in Spain under this visa.
- [How long is the Non-Lucrative Visa valid?](https://www.realista.com/resources/faqs/all/#faq-184229): Initially, it is valid for 1 year, but it can be renewed, and after 5 years, it leads to permanent residency.
- [Do I need to live in Spain full-time?](https://www.realista.com/resources/faqs/all/#faq-184230): Yes. You are generally required to spend more than 183 days per year in Spain to maintain the visa.
- [Can I bring my family on the Non-Lucrative Visa?](https://www.realista.com/resources/faqs/all/#faq-184231): Yes. Family members can be included, but you must show higher financial means.
- [Is private health insurance required?](https://www.realista.com/resources/faqs/all/#faq-184232): Yes. You must have full private health insurance from a provider authorised to operate in Spain.
- [Is the Non-Lucrative Visa suitable for property buyers?](https://www.realista.com/resources/faqs/all/#faq-184233): Yes, particularly for retirees and individuals relocating without the need to work.
- [There are so many properties on the market. Where do we start?](https://www.realista.com/resources/faqs/all/#faq-1206): At Realista, we realise there’s a big choice of property on the Costa del Sol, but we’re also well aware that you are only interested in considering those that suit your requirements. Our house-hunting service is tailor-made to fit your…
- [How do we arrange a viewing?](https://www.realista.com/resources/faqs/all/#faq-1207): Once you have short-listed properties that you would like to view Realista will arrange viewing times that fit in with your schedule. We provide transport to and from your selected properties and are on hand at all times to answer…
- [What does buying an off-plan property mean?](https://www.realista.com/resources/faqs/all/#faq-181433): Buying off-plan means purchasing a property before it is built or while it is still under construction. You buy based on plans, brochures, and show homes.
- [What is a resale property?](https://www.realista.com/resources/faqs/all/#faq-181434): A resale property is a home that is already built and previously owned. You can visit it, inspect it, and buy it directly from the current owner.
- [What are the main differences between off-plan and resale properties?](https://www.realista.com/resources/faqs/all/#faq-181435): The main difference between off-plan and resale properties is that off-plan properties are new, modern, and under construction, with payments made in instalments. On the other hand, resale properties are already built, ready to move in, and require a one-time…
- [Which option is better for investment, off-plan or resale?](https://www.realista.com/resources/faqs/all/#faq-181436): It depends on your goals: Off-plan often has higher appreciation because you buy early at a lower price. Resale is better if you want instant rental income or a home to use now.
- [What are the advantages of buying off-plan property?](https://www.realista.com/resources/faqs/all/#faq-181437): Lower launch prices Modern design and energy efficiency Good appreciation potential Ability to choose layouts, finishes, or upgrades Payments in instalments instead of paying everything up front New-home warranties
- [What are the risks of buying off-plan property?](https://www.realista.com/resources/faqs/all/#faq-181438): Construction delays Market prices could change before completion Developer quality may vary Final product may differ slightly from plans You cannot physically see the finished home until it’s built
- [What are the advantages of buying a resale property?](https://www.realista.com/resources/faqs/all/#faq-181439): You see exactly what you’re buying Immediate use or rental income No long wait for construction Potential to renovate and add value
- [What are the downsides of buying resale property?](https://www.realista.com/resources/faqs/all/#faq-181440): Could need repairs or upgrades Older homes may lack modern features Less energy efficiency Higher maintenance costs  
- [Is buying off-plan cheaper than resale?](https://www.realista.com/resources/faqs/all/#faq-181441): Usually yes. Developers offer lower prices at early stages to attract buyers. As construction moves forward, prices often increase.
- [How are property taxes calculated in Spain?](https://www.realista.com/resources/faqs/all/#faq-180674): IBI is calculated by taking the cadastral value set by the government and applying the local tax rate decided by the town hall. Other taxes use different rules: Non-resident income tax: based on a percentage of the cadastral value of…
- [How do payment terms differ between off-plan and resale properties?](https://www.realista.com/resources/faqs/all/#faq-181442): In off-plan, you have to pay a small reservation fee, a 20–30% deposit during construction and the remaining amount at completion. In resale, a 10% deposit is paid when contracts are signed, and the remaining amount is paid at the…
- [Can you own property in Spain without being a citizen?](https://www.realista.com/resources/faqs/all/#faq-180675): Yes. Anyone can buy property in Spain, as you do not need to be a citizen or resident. You only need an NIE number, which is a tax identification number for foreigners.
- [What legal protections exist for off-plan buyers?](https://www.realista.com/resources/faqs/all/#faq-181443): Spain requires developers to provide bank guarantees for all payments, build according to approved plans, and follow strict building and quality rules. If the project is cancelled, guaranteed money must be refunded as well.
- [How much tax do you pay on selling a house in Spain?](https://www.realista.com/resources/faqs/all/#faq-180676): When you sell a property, you may have to pay the Capital Gains Tax, which is based on the profit you make. Another tax is Plusvalía Municipal, which is a local tax on the increase in land value. If you…
- [How can I ensure the developer of an off-plan project is reliable?](https://www.realista.com/resources/faqs/all/#faq-181444): Check their track record and past projects Confirm that bank guarantees are provided Review the building licence Ask your lawyer for due diligence checks Look for reputable, well-known developers
- [What is the capital gains tax on property in Spain for non-residents?](https://www.realista.com/resources/faqs/all/#faq-180677): For non-residents, property capital gains are taxed at a flat 19% if you are an EU/EEA citizen. However, if you are a non-EU/EEA citizen, you will be taxed at a flat 24%. This tax rate will not be applied to…
- [Can I negotiate prices on off-plan and resale properties?](https://www.realista.com/resources/faqs/all/#faq-181445): Yes, but with differences. In off-plan, there is limited negotiation in early phases, but it is more possible in later phases. In resale, you have better chances of negotiating the prices, especially if the seller wants a quick sale.
- [What are the tax implications of owning a second home in Spain?](https://www.realista.com/resources/faqs/all/#faq-180678): If the property is not your main residence, you may have to pay: IBI each year. Non-resident income tax on an assumed income if the property is not rented out. Rental income tax if you rent it out. Wealth tax…
- [What happens if the developer delays the off-plan project?](https://www.realista.com/resources/faqs/all/#faq-181446): If a developer delays an off-plan property, first check your contract and send them a written notice. If the delay continues, you can claim compensation or take legal action to get your deposit back through the bank guarantee.
- [What are the tax benefits of buying property in Spain?](https://www.realista.com/resources/faqs/all/#faq-180679): Potential benefits include: Lower yearly property tax because IBI is based on cadastral value. Possible capital gains exemptions if you become a tax resident and reinvest in a new primary home. Deductions on rental income for EU/EEA property owners. Regional…
- [Are taxes different for off-plan and resale purchases?](https://www.realista.com/resources/faqs/all/#faq-181447): In off-plan property purchases, you have to pay taxes like VAT (IVA), Stamp Duty (AJD) and in resale only Transfer Tax (ITP). So yes, the tax structure is different.
- [Why is Spain considering a 100% tax on homes bought by non-EU buyers?](https://www.realista.com/resources/faqs/all/#faq-180680): Spain’s government has discussed a 100% tax to discourage non-EU investors from buying homes. The idea behind the proposal is to reduce speculative buying, lower pressure on local housing prices, and improve availability for residents. It is only a proposal,…
- [How do we know that Realista is showing us the best on the market?](https://www.realista.com/resources/faqs/all/#faq-4088): Since we established Realista in 2003 we have acquired a vast knowledge of the Costa del Sol property market, particularly in our niche areas of Marbella, Estepona and Benahavis. This knowledge plus a full understanding of what you’re looking for…
- [Is it worth making an offer on a property we like or should we accept the full price?](https://www.realista.com/resources/faqs/all/#faq-4089): Once you have selected a property you would like to buy the Realista negotiating expertise steps it. Together we discuss the price and tactics basing your offer on our in-depth knowledge of the area, market conditions and short and medium-term…
- [How do we decide what’s a good offer?](https://www.realista.com/resources/faqs/all/#faq-4090): At Realista we have insider expert knowledge about the area, market conditions, properties that have been sold and what are fair asking prices. Our maxim is to save and make money for our clients by ensuring that the property is…
- [What happens if the seller doesn’t accept our offer?](https://www.realista.com/resources/faqs/all/#faq-4091): We continue negotiating on your behalf as far as possible on the back of our extensive local knowledge of market conditions and current property values. And we work hard to ensure you get the best possible value for your money.…
- [How do we know we’re getting value for our money on our Spanish property?](https://www.realista.com/resources/faqs/all/#faq-4092): Our nearly 15 years of experience in the Costa del Sol property market have provided us with extensive inside knowledge of market conditions, trends and values. We only offer properties that satisfy two conditions: the property must have a fair…
- [Once we’ve have an offer accepted on a property on the Costa del Sol, should we take legal advice?](https://www.realista.com/resources/faqs/all/#faq-4094): Yes, at Realista we always recommend our clients take legal advice. A professional and cooperative lawyer makes a world of difference to buying a property in Spain.
- [If so, can you recommend a reputable lawyer?](https://www.realista.com/resources/faqs/all/#faq-4095): If you aren’t already in contact with a lawyer, we are happy to recommend one. Please contact us for details.

## Blog
- [Major Costa del Sol Projects Changing the Region](https://www.realista.com/blog/major-costa-del-sol-projects-changing-the-region/): The Costa del Sol is entering its biggest infrastructure investment period in decades. Between now and 2031, major projects such as a €1.5 billion Malaga airport…
- [Best Spas in Marbella & Other Areas of Costa del Sol](https://www.realista.com/blog/best-spas-in-marbella-other-areas-of-costa-del-sol/): Wellness has become an important part of the lifestyle in Marbella, with a growing choice of luxury spas offering everything from thalassotherapy and thermal circuits to…
- [Best Places to Live Near Málaga for Tech Professionals](https://www.realista.com/blog/best-places-to-live-near-malaga-for-tech-professionals/): Southern Spain has changed a lot in recent years. The Costa del Sol used to be known mainly as a holiday destination, a place where people…
- [Tax Residency Explained: Lessons from the Shakira Case](https://www.realista.com/blog/tax-residency-explained-lessons-from-the-shakira-case/): Few tax cases have received as much attention as the dispute between Shakira and the Spanish tax authorities. The case lasted for years and attracted headlines…
- [Spain Gibraltar Border Changes: What the New Deal Means for Travel and Daily Life](https://www.realista.com/blog/spain-gibraltar-border-changes-what-the-new-deal-means-for-travel-and-daily-life/): For many years, crossing the border between Spain and Gibraltar was difficult. People had to wait in long lines because passport checks could take a long…
- [Spain Rental Rules in 2026: What Non-Resident Owners Must Know](https://www.realista.com/blog/spain-rental-rules-what-non-resident-property-owners-must-know/): Spain’s property market, especially along the Costa del Sol, has attracted international buyers looking to combine lifestyle with rental income. From luxury villas in Marbella to…
- [Strong Euro, Weak Dollar: What It Means for Property Buyers in Costa del Sol](https://www.realista.com/blog/strong-euro-weak-dollar-what-it-means-for-property-buyers-in-costa-del-sol/): ​The relationship between currency markets and real estate is often underestimated. However, since 2025, one macro trend is quietly influencing buyer behaviour, especially among US buyers…
- [Top Properties of the Week in Estepona](https://www.realista.com/blog/top-properties-of-the-week-in-estepona/): Estepona is attracting more buyers searching for prime Costa del Sol properties. Quality beachfront apartments, penthouses, and villas in gated communities are seeing increased demand. Buyers…
- [Marbella’s New General Municipal Development Plan: Key Impacts on Land and Housing](https://www.realista.com/blog/marbellas-new-general-municipal-development-plan-key-impacts-on-land-and-housing/): The Junta de Andalucía has officially approved Marbella’s New General Municipal Development Plan (PGOM). With the regional and environmental clearances complete, the Marbella municipal council gave…
- [The Rise of Branded Residences in Marbella](https://www.realista.com/blog/the-rise-of-branded-residences-in-marbella/): For decades, luxury real estate in Marbella was defined by large plots, sea views, gated communities, and total privacy. These things were the gold standard for…
- [The Complete Guide to Spain’s Digital Nomad Visa](https://www.realista.com/blog/spains-digital-nomad-visa/): Spain has quietly established one of the most attractive digital nomad programs in Europe. Launched under the country’s Entrepreneurs Law, the Digital Nomad Visa was designed…
- [Waldorf Astoria Marbella: Spain’s First Waldorf Astoria Resort](https://www.realista.com/blog/waldorf-astoria-marbella-spains-first-waldorf-astoria-resort/): Hilton and Higuerón Developments have confirmed the arrival of Waldorf Astoria Marbella, making it the first Waldorf Astoria resort in Spain. The Waldorf Astoria Marbella, a…