Buying a new-build off-plan in Spain means paying 20-40% before the home exists. Spanish law requires every euro to be guaranteed by a bank or insurer – here is how to check that the protection is really in place.

Spain levies an annual wealth tax that also reaches non-resident owners. How the property is valued, why the €700,000 allowance applies per person, and what the Valencian Community’s new €1,000,000 minimum means for Costa Blanca owners.

Order HAC/623/2026 changes the Modelo 210 calendar: imputed income for 2026 must be filed between 1 April and 31 December 2027. Q4 2026 rental income also moves to April 2027. Full explanation with deadline table and worked examples, verified against official sources.

Can’t be at the Spanish notary on completion day? A properly drafted poder notarial lets your lawyer sign the purchase, the sale or the mortgage for you. Here are the three ways to grant it, what it must contain and what it costs.

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.