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   Guide d'achat avec les lois Espagnoles Guide d'achat avec les lois Espagnoles


If you decide to buy your property with a Spanish mortgage, these are the documents the bank will require:
questions about property tenerife Documents needed for people who are employed are as follows:

- Copy of your passport.
- Last three wage slips.
- Last P60.
- Last three bank statements.
- Experian Report.
- Any other proof of income or holdings, ie. investments, title deeds, mortgage   statement, etc..
how to buy property tenerife Documents needed for people who are self employed are as follows

- Copy of your passport.
- Last three bank statements.
- Last three company bank statements (if applicable).
- Last Tax Return. (company & private).
- Last company Audited Accounts (if applicable).
- Last company balance (if applicable).
- Certificate of incorporation (if applicable).
- Experian Report.
- Any other proof of income or holdings, ie. investments, title deeds, mortgage   statement, etc...
how to buy property tenerife Costs associated with Spanish Mortgages:

- 6.5% Transmission Tax for re-sale properties or,
- 5% I.G.I.C (VAT) for new build properties, this tax is usually paid.
- Notary Fees x 2. Both the Escritura (Title Deeds) & Mortgage Deed have to   be notarised.
- Registration Fees x 2. Title Deeds & Mortgage Deed have to be registered in   the Property Registry.
- Plus Valia Tax (Tax on the increase in the value of the land since last sold).
- Administration Fees.
- Mortgage Opening Fees.
- Stamp Duty on the value of the mortgage, approx. 1.25%.
Ces informations sont pour vous donner un apercu et ne remplace pas un avis juridique approprié.
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