Sí, es posible comprar una casa sin hipoteca si se dispone de fondos suficientes para pagar el valor total del inmueble. Esto puede hacerse mediante una compra en efectivo, sin necesidad de un préstamo bancario de por medio.

Ampliamos la respuesta a esta pregunta en nuestro blog ➡️ 7 pasos para comprar una casa sin hipoteca.

Yes, you can buy a house without having a guarantor. The bank will only ask for a guarantor when taking out a mortgage if your profile does not comply with its risk analysis. If, on the other hand, you have a stable job, more than 30% of the value of the house saved and a good debt capacity, it will not be necessary.

Buying a new home usually offers the advantage of having a property in perfect condition and with construction guarantees. In addition to the possibility of customizing it according to your preferences. However, the costs can be higher compared to a second-hand home.

On the other hand, buying a second-hand home can be more economical, especially if you are willing to make some improvements. You can also find homes of this type with a privileged location and unique architectural features. Nevertheless, it is important to make a detailed inspection to make sure that the property is in good condition and to avoid possible future problems.

Yes, in Spain it is possible to build your own house. To do this you need to buy a building plot, carry out a topographical and geotechnical study of the land, apply for a building permit, and once built, register it.

In terms of mortgages, there are self-build mortgages designed to finance this type of operation. As a general rule, they usually have a higher interest rate than ordinary mortgages.

It depends on the purpose for which you want to buy the house. If it is for habitual residence the optimal thing would be to study very well our case and to have the constancy of which, in spite of the current economic situation, we are going to be able to confront with guarantees the opportune payments.

Whereas, if it is for investment, it is a very good time due to the fact that the profitability that offers the rent right now is substantial.

No hay ningún tiempo establecido. Dependerá en mayor medida de tu necesidad y motivación de compra. Un consejo para acortar los tiempos es ser ágil tanto en la búsqueda como en las visitas a las viviendas, para que así más allá de ganar tiempo, ningún otro comprador se te adelante.

Ampliamos la respuesta a esta pregunta en nuestro blog ➡️ ¿Cuánto se tarda en comprar una casa?

Te resumimos brevemente cuáles serían los pasos a seguir al ir a comprar una casa:
1. Calcular nuestro buying power, es decir, calcular cuánto nos podemos gastar a la hora de realizar la compra. Para así poder ser más precisos en nuestra búsqueda.
2. Fundamentar la búsqueda de la casa en tu presupuesto previamente calculado. Cuanto mejor conozcas tu situación financiera, más ajustada podrás hacer dicha búsqueda.
3. Una vez elegida la vivienda, realizar las visitas correspondientes.
4. Después de haber dado el visto bueno a la casa, realizar una oferta formal al vendedor. Llegados a este caso puedes negociar el precio de la vivienda. Este paso se conoce como reserva de la casa.
5. Una vez aceptada la reserva de la casa por ambas partes se debe realizar el contrato de arras. La firma de arras es un contrato previo al contrato definitivo de compraventa.
6. Aprobación de la hipoteca y tasación de la casa. Recuerda que la tasación de la vivienda se hace únicamente después de te hayan dado el visto bueno con tu hipoteca.
7. Firma de la hipoteca y de la compraventa ante notario. Después de las firmas se han de pagar los gastos añadidos, que son los impuestos pertinentes según la comunidad en la que te encuentres y el tipo de casa que sea, y por último los costes relacionados con todos estos trámites burocráticos.

Ampliamos la respuesta a esta pregunta en nuestro blog ➡️ Pasos para comprar una casa.

Más allá de los gastos tradicionales que hay al comprarse una casa, también existen otros gastos adicionales como pueden ser los relativos a la notaría, la gestoría, el registro de la propiedad, la tasación de la vivienda o los impuestos.

‍Ampliamos la respuesta a esta pregunta en nuestro blog ➡️ ¿Cuáles son los costes que hay pagar por comprar una casa en España?

Depending on whether you are buying a new home or a second-hand home, there are different types of taxes:
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- New home: for this type of home you will have to pay the VAT (Value Added Tax), which represents 10% of the value of the home, and the IAJD (Tax on Documented Legal Acts), which varies according to the autonomous community between 0.5% and 1.5% of the total value of the home .
- Second-hand property : if you want to buy a second-hand property, you will have to pay the ITP ( Impuesto sobre Transmisiones Patrimoniales), which varies according to the autonomous community and ranges between 4% and 10% of the total value of the property.

Yes, always. In addition, they have to give you back 100% of the money given, there is no penalty for this. In the same way, they can also make you a counteroffer with the intention of negotiating the price of the property.

There is no fixed amount or percentage from which to start or to which to aspire. The savings that can be achieved will be based primarily on the ability to negotiate within certain margins.

The best advice to negotiate the price of a house is to know as much information about it as possible, in order to adjust the offer as much as possible to the reality of the house.

Experts indicate that whether there is a rise or a fall in prices, it will be progressive, without ups and downs. It should also be noted that, even if there is a rise or fall, the trend will vary depending on the neighborhood in which the property is located or the city in which the property is located.

To apply for a mortgage just apply to the bank of your choice, or hire a mortgage broker to help you with the management.
The traditional way is going from bank to bank with the relevant documents, while doing it through an intermediary can be done the whole process online.

‍Ouradvice is as follows: look for a mortgage while you are looking for a house, so that when you choose the house, you can already be well advanced in the hiring of your mortgage. So that, in this way, you can adjust the search much better, not only to your preferences, but also to your financial situation.

The most frequently asked questions during the visits are those related to the visible aspects of the house. That is to say, the finishes of the house, the insulation of the windows, the light according to the time of day, etc. While some less common, but also very important are those that refer to the reason for the sale of the house, the ownership of the same, if it is renovated, if it has been previously rented, etc.

Knowing as muchinformation as possibleis essential when it comes to a possible negotiation of the price of the house. In this way, we will be able to adjust much better the price of the same one.

Yes, Spain is a good place to invest in housing. Spain is characterized for having a good climate, a good gastronomy and a quality cultural heritage. Besides having two very important cities at a financial level within the European framework such as Madrid and Barcelona. Thanks to this, investing in Spain is one of the goals of many foreign citizens, both from the EU and from outside Europe. Also in Spain the Golden Visa is still in force with purchases of properties over 500.000€, which is an incentive when it comes to investing in housing.

No, it is not necessary. You will only need the NIE (Foreigner's Identity Number) to be able to proceed to buy a property in Spain if you are a foreigner. Both this and the rest of the procedures to buy a house in Spain can be done online. This makes it much easier to buy and sell homes on national soil.