How much Spanish banks really lend a non-resident, the timetable that makes a thirty-day arras deadline unworkable, the compulsory ten days and the free notarial deed, who pays which cost since 2019, and the currency conversion right if you earn in kronor.

Non-resident sellers receive only 97% of the price: the buyer must withhold 3% for the Spanish tax office. Here is how the retention works and how to reclaim it within the four-month deadline.

Buying in Spain makes you a member of a comunidad de propietarios automatically. How fees, special levies, voting majorities and the 2025 tourist-let rules work — and the traps for non-resident owners.

A guide written specifically for US buyers: there is no escrow, no title company, no title insurance and no MLS in Spain — this is what happens instead. How to get your NIE from the United States, how to grant a power of attorney so you never have to fly over, what closing costs really are in 2026, why American landlords pay 24% on gross rent, and what the IRS still wants from you.

With a property’s address and around €11 you can find out who owns it, whether it is mortgaged and how many square metres are registered. How to request the nota simple (including in English), how to read it with a glossary of terms, how to obtain cadastral data, and what these documents do not tell you.

The Registry publishes rights; the Cadastre describes for tax purposes; and neither establishes planning legality. Fourteen discrepancy scenarios, which documents to request, who should resolve them, and a decision tree before signing.