{"id":17,"date":"2026-04-17T14:43:02","date_gmt":"2026-04-17T14:43:02","guid":{"rendered":"https:\/\/santinahomes.com\/guides\/buying\/"},"modified":"2026-06-09T16:00:38","modified_gmt":"2026-06-09T16:00:38","slug":"kop","status":"publish","type":"guide","link":"https:\/\/santinahomes.com\/sv\/guides\/buying\/","title":{"rendered":"K\u00f6pa Fastighet"},"content":{"rendered":"<p class=\"lead\">Att k\u00f6pa fastighet i Spanien \u00e4r enkelt n\u00e4r du k\u00e4nner till ordningsf\u00f6ljden. Hoppa \u00f6ver ett steg eller g\u00f6r det i fel ordning, och det blir snabbt frustrerande. H\u00e4r \u00e4r den 8-stegs k\u00f6parresa vi g\u00e5r igenom med internationella kunder p\u00e5 Costa del Sol. Verkliga kostnader, verkliga papper, verklig tidslinje.<\/p>\n<h2>Paso 1, Obt\u00e9n tu NIE<\/h2>\n<p>Su <strong>N\u00famero de Identificaci\u00f3n de Extranjero<\/strong> kommer f\u00f6rst. Utan det kan du inte skriva p\u00e5 ett k\u00f6pekontrakt, \u00f6ppna ett bankkonto eller registrera nyttigheter. Du har tre s\u00e4tt att f\u00e5 ett:<\/p>\n<ul>\n<li>Ans\u00f6k p\u00e5 ett spanskt konsulat i ditt hemland (2\u20136 veckor).<\/li>\n<li>Ans\u00f6k personligen p\u00e5 Oficina de Extranjer\u00eda i M\u00e1laga eller Algeciras (tidsbokning beh\u00f6vs, 2\u20133 veckor).<\/li>\n<li>L\u00e5t en spansk advokat ans\u00f6ka f\u00f6r din r\u00e4kning via fullmakt (smidigast f\u00f6r internationella k\u00f6pare).<\/li>\n<\/ul>\n<p>Kostnad: 9,80 \u20ac statlig avgift + juridisk avgift om det l\u00e4ggs ut (vanligtvis 150\u2013300 \u20ac).<\/p>\n<h2>Paso 2, Abre una cuenta bancaria espa\u00f1ola<\/h2>\n<p>Du beh\u00f6ver detta f\u00f6r ditt bol\u00e5n, autogiro, samf\u00e4llighetsavgifter och nyttigheter. Santander, BBVA, CaixaBank, Sabadell och Bankinter erbjuder alla expanv\u00e4nliga utl\u00e4nningskonton. De ber om ditt NIE, pass, adressintyg fr\u00e5n utlandet och inkomstintyg. R\u00e4kna med underh\u00e5llsavgifter p\u00e5 120\u2013240 \u20ac\/\u00e5r f\u00f6r utl\u00e4nningskonton.<\/p>\n<h2>Paso 3, Define tu presupuesto, incluyendo todos los gastos<\/h2>\n<p>Det \u00e4r h\u00e4r utl\u00e4ndska k\u00f6pare ofta blir \u00f6verraskade. K\u00f6peskillingen \u00e4r inte din totalkostnad. Planera f\u00f6r <strong>10 % och 14 % ut\u00f6ver k\u00f6peskillingen<\/strong> en gastos de adquisici\u00f3n.<\/p>\n<h3>Propiedad de segunda mano<\/h3>\n<ul>\n<li><strong>ITP (Impuesto de Transmisiones Patrimoniales)<\/strong>, Andalusien: <strong>7%<\/strong> piso.<\/li>\n<li><strong>Honorarios de notar\u00eda<\/strong>, \u20ac600 till \u20ac1 500 beroende p\u00e5 pris.<\/li>\n<li><strong>Registro de la Propiedad<\/strong>, \u20ac400 till \u20ac900.<\/li>\n<li><strong>Honorarios legales<\/strong>, 1% av priset + moms (branschnorm f\u00f6r oberoende juridisk representation).<\/li>\n<li><strong>Gastos bancarios<\/strong> si utilizas hipoteca, apertura, tasaci\u00f3n, p\u00f3lizas de seguros.<\/li>\n<\/ul>\n<h3>Nyproduktion (off-plan eller f\u00f6rsta \u00f6verl\u00e5telse)<\/h3>\n<ul>\n<li><strong>IVA (Impuesto sobre el Valor A\u00f1adido)<\/strong>, <strong>10%<\/strong> sobre el precio de compra.<\/li>\n<li><strong>AJD (Impuesto sobre Actos Jur\u00eddicos Documentados)<\/strong>, <strong>1.2%<\/strong> en Andaluc\u00eda.<\/li>\n<li><strong>Notar\u00eda + Registro + Asesor\u00eda Legal<\/strong> como se indica arriba.<\/li>\n<\/ul>\n<h2>Steg 4, Finansiering (om till\u00e4mpligt)<\/h2>\n<p>H\u00e4r ser typiska bol\u00e5n f\u00f6r icke-bosatta fr\u00e5n spanska banker ut s\u00e5 h\u00e4r:<\/p>\n<ul>\n<li><strong>Loan-to-value (LTV):<\/strong> vanligtvis 60\u201370% f\u00f6r icke-bosatta, upp till 80% f\u00f6r bosatta.<\/li>\n<li><strong>Tipo de inter\u00e9s:<\/strong> fast eller r\u00f6rlig (Euribor + 1\u20132 %). J\u00e4mf\u00f6r b\u00e5da.<\/li>\n<li><strong>Plazo:<\/strong> hasta 25-30 a\u00f1os, generalmente limitado a la edad del prestatario de 70-75 a\u00f1os.<\/li>\n<li><strong>Documentaci\u00f3n:<\/strong> de senaste 2 \u00e5rens deklarationer, 3\u20136 m\u00e5naders l\u00f6nespecifikationer, befintliga skulder, fastighetsf\u00f6rs\u00e4kring.<\/li>\n<\/ul>\n<p>En kompetent bol\u00e5nem\u00e4klare beg\u00e4r offerter fr\u00e5n 4\u20136 banker p\u00e5 en g\u00e5ng. Vi samarbetar med specialister n\u00e4r kunder f\u00f6redrar oberoende fr\u00e5n utvecklarens interna finansiering.<\/p>\n<h2>Paso 5, Encuentra la propiedad<\/h2>\n<p>El mercado de Espa\u00f1a es <strong>colaborador<\/strong>. De flesta byr\u00e5er delar objekt via MLS-n\u00e4tverk och delar provisioner. S\u00e5 du beh\u00f6ver inte kontakta tio m\u00e4klare. En v\u00e4lkopplad m\u00e4klare kan visa dig hela marknaden, inklusive off-market fastigheter.<\/p>\n<p>Se upp f\u00f6r dessa varningssignaler:<\/p>\n<ul>\n<li>M\u00e4klare som pressar p\u00e5 visningar av ett specifikt objekt (\"begr\u00e4nsad tid\").<\/li>\n<li>Priser m\u00e4rkbart under marknaden, vilket ofta indikerar juridiska problem (ol\u00f6sta tillbyggnader, samf\u00e4llighetsskulder).<\/li>\n<li>Equipos exclusivos de promotores que se niegan a trabajar con asesor\u00eda legal externa.<\/li>\n<\/ul>\n<h2>Paso 6, Reserva, debida diligencia, contrato de compraventa privado<\/h2>\n<h3>Contrato de reserva<\/h3>\n<p>En liten handpenning (vanligtvis 6 000\u201310 000 \u20ac) tar fastigheten av marknaden i 2\u20134 veckor medan due diligence genomf\u00f6rs. Den \u00e5terbetalas inte om du drar dig tillbaka utan orsak. \u00c5terbetalas fullt ut om v\u00e4sentliga defekter framkommer under DD.<\/p>\n<h3>Debida diligencia<\/h3>\n<p>Tu abogado verifica:<\/p>\n<ul>\n<li><strong>Nota Simple<\/strong>, Fastighetsregistrets utdrag: \u00e4garskap, bol\u00e5n, belastningar, inteckningar.<\/li>\n<li><strong>Estado del IBI<\/strong>, \u00e4r kommunalskatten betald och uppdaterad?<\/li>\n<li><strong>Deudas de comunidad<\/strong>, certificado del administrador de la comunidad.<\/li>\n<li><strong>Licencia de Primera Ocupaci\u00f3n (LPO)<\/strong>, licencia de habitabilidad. Cr\u00edtico para obra nueva.<\/li>\n<li><strong>Certificado de Eficiencia Energ\u00e9tica (CEE)<\/strong>, obligatorio para la venta.<\/li>\n<li><strong>Situaci\u00f3n urban\u00edstica<\/strong>, kommunalt intyg. Bekr\u00e4ftar inga olagliga tillbyggnader, inga v\u00e4ntande planfr\u00e5gor.<\/li>\n<li><strong>ITE \/ Informe de Evaluaci\u00f3n del Edificio<\/strong>, para edificios de m\u00e1s de 50 a\u00f1os.<\/li>\n<\/ul>\n<h3>Privat k\u00f6peavtal (Contrato de Arras)<\/h3>\n<p>Esto se firma generalmente 2-4 semanas despu\u00e9s de la reserva. Pagas <strong>10%<\/strong> av priset. H\u00e4r \u00e4r hur p\u00e5f\u00f6ljderna fungerar:<\/p>\n<ul>\n<li>Om k\u00f6paren drar sig ur: f\u00f6rlorar handpenningen p\u00e5 10 %.<\/li>\n<li>Om s\u00e4ljaren drar sig tillbaka: betalar tillbaka 20% (dubbelt handpenningen).<\/li>\n<\/ul>\n<p>Tilltr\u00e4desdatum, fastighetsskick och eventuella villkor (t.ex. subject to mortgage) l\u00e5ses fast h\u00e4r.<\/p>\n<h2>Steg 7, Tilltr\u00e4de hos notarien (Escritura P\u00fablica)<\/h2>\n<p>Ungef\u00e4r 4\u20138 veckor efter arras-signeringen m\u00f6ts alla parter hos notarien. Du skriver p\u00e5 <strong>escritura de compraventa<\/strong>, \u00f6verl\u00e4mnar resterande belopp (vanligtvis via bankcheck) och tar emot nycklarna. Notarien l\u00e4ser upp handlingen h\u00f6gt. Om din spanska inte \u00e4r flytande, ta med en tolk eller utse din advokat med fullmakt.<\/p>\n<h3>En la notar\u00eda entregas<\/h3>\n<ul>\n<li>Slutbetalning (bankcheck vanligast)<\/li>\n<li>Skatter (ITP eller IVA+AJD), ofta betalda direkt fr\u00e5n bankchecken<\/li>\n<li>Honorario de notar\u00eda en el d\u00eda<\/li>\n<li>Bevis p\u00e5 medlens ursprung (penningtv\u00e4ttsbek\u00e4mpning, SEPBLAC)<\/li>\n<\/ul>\n<h2>Paso 8, Posterior a la formalizaci\u00f3n<\/h2>\n<p>Din advokat tar \u00f6ver h\u00e4rifr\u00e5n:<\/p>\n<ul>\n<li>Registrering av escritura i Fastighetsregistret (1\u20132 m\u00e5nader).<\/li>\n<li>Betalning av ITP\/AJD inom 30 dagar fr\u00e5n k\u00f6pebrevet.<\/li>\n<li>\u00c4ndring av namn p\u00e5 verktyg, IBI, gemenskapskostnader.<\/li>\n<li>Inl\u00e4mning av <strong>Modelo 211<\/strong> (3% inneh\u00e5llningsskatt) vid k\u00f6p fr\u00e5n en icke-bosatt s\u00e4ljare.<\/li>\n<\/ul>\n<h2>Realistisk tidslinje<\/h2>\n<ul>\n<li>NIE + \u00f6ppning av bankkonto: <strong>2-6 veckor<\/strong>, kan genomf\u00f6ras parallellt med visningar.<\/li>\n<li>Fastighetss\u00f6kning: <strong>1 vecka till 6 m\u00e5nader<\/strong> beroende p\u00e5 specifikation.<\/li>\n<li>Reservation \u2192 tilltr\u00e4de: vanligtvis <strong>6-10 semanas<\/strong>.<\/li>\n<li>K\u00f6p p\u00e5 ritning: <strong>12-36 m\u00e5nader<\/strong> fr\u00e5n reservation till leverans.<\/li>\n<\/ul>\n<h2>Vanliga fallgropar<\/h2>\n<ul>\n<li><strong>Att anv\u00e4nda byggherrens advokat.<\/strong> Anlita alltid oberoende juridisk r\u00e5dgivning.<\/li>\n<li><strong>Ignorera eftersl\u00e4pning i gemenskapskostnader.<\/strong> Du \u00e4rver utest\u00e5ende gemenskapsskulder enligt spansk lag.<\/li>\n<li><strong>K\u00f6p av en fastighet med icke-licensierade till\u00e4gg.<\/strong> Vanligt i lantliga villor. Kontrollera kadastraldata kontra verkliga m\u00e4tningar.<\/li>\n<li><strong>Underskattning av l\u00f6pande kostnader.<\/strong> IBI, samf\u00e4llighetsavgifter, nyttigheter, f\u00f6rs\u00e4kring, skattefri f\u00f6rm\u00f6genhet men IRNR g\u00e4ller f\u00f6r icke-bosatta.<\/li>\n<li><strong>Semesteruthyrning utan licens.<\/strong> Andalusien kr\u00e4ver <em>Vivienda con Fines Tur\u00edsticos<\/em> registrering. H\u00f6ga b\u00f6ter annars.<\/li>\n<\/ul>\n<h2>Vad en bra agent faktiskt g\u00f6r f\u00f6r dig<\/h2>\n<ul>\n<li>Filtrerar marknaden s\u00e5 du ser 12 fastigheter, inte 120.<\/li>\n<li>F\u00f6rhandlar pris och villkor (5\u201315% under beg\u00e4rt pris \u00e4r normalt p\u00e5 nuvarande marknad).<\/li>\n<li>Samordnar med advokat, notarie, bank, skatter\u00e5dgivare.<\/li>\n<li>Flaggar juridiska och konstruktiva problem innan reservationsstadiet.<\/li>\n<li>Hj\u00e4lper till med inflyttningslogistik: nyttigheter, bostadsr\u00e4ttsregistrering, m\u00f6bler, hantverkare.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Processen, kostnaderna, pappersarbetet. Allt en k\u00f6pare beh\u00f6ver veta.<\/p>","protected":false},"featured_media":0,"parent":0,"menu_order":3,"template":"","meta":[],"guide_topic":[],"class_list":["post-17","guide","type-guide","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Buying a Property - Santina Homes<\/title>\n<meta name=\"description\" content=\"Complete guide to buying property on the Costa del Sol. 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