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Steps before closing the purchase/sale of a home

The buy of a housing is the more important investment that most of the citizens will realize at least once in its life. For this motive in Urbalex Costa Blanca we want to accompany you in the course of the process that must follow up to the closing of the transaction, to be sure that everything develops correctly and one of the most important moments of your life does not turn in authentic nightmare. And so, the steps that must follow until the closing time of the sale are the following ones:

Preparations for the purchase-sale

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  • Deeds of the property.
  • Mortgage deed, if there is one.
  • Personal Documentation of the holders of the property.
  • For the foreign owners in Spain, they will must provide the NIE.
  • Property Tax (IBI) to the current of payment.
  • If there is a mortgage, certificate issued by the mortgaging financial institution.

Formalizing the purchase-sale

  • Request at the Land Registry of “Informative Note” of the property.
  • Verification and check of the title of the property.
  • Verification of possible debts – “Report of Tax Agency (SUMA)”.
  • Earnest Money Contract between the parts.
  • A deposit is handed over on account of the final price as a demonstration of commitment.
  • A deadline for making the Deposit Agreement a public document is set.

Documentation to be contributed at the notary's office

  • Certificate of energy efficiency.
  • Certificate to the current of payment of the owners’ community.

Expenses and taxes for the buyers

  • 10% Property Transfer Tax.
  • Expenses of Notary’s office and Land Registry.

Expenses and taxes for the sellers

  • Capital Gains from Town Hall.
  • In case of not Residents: Withholding 3 % of the Model 211, on account of the IRPF.
  • Cancellation of Mortgage, if it exist.

Last steps after the deeds

  • Change of Holder at the liquidation office (SUMA), the IBI and the Garbage Tax.
  • Change of cadastral Holder.
  • Change of Holder of the contract of power supply. (Iberdrola)
  • Change of Holder of the contract for the supply of water. (Aguas de Calpe)
  • Change of Holder at the Property Administrator. (Owners’ Community)
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