Why choose Andalucia Realty

Andalucia Realty is a leading real estate agency in Marbella that places at your disposal the knowledge and experience acquired over 20 years of working in the property market of Marbella, Estepona and Benahavis.

We are proud members of AIPP: Association of International Property Professionals, RAIC: Red de Asesores Inmobiliarios Qualificados y AEGI: Asociación Empresarial de Gestión Inmobiliaria and are also certified Real Estate Brokers of two major Spanish banks

We only list quality properties that are in good condition, offer good value for money and are free of legal problems. Additionnaly, we have access to most properties on the market through our extensive network of agents and we will thouroughly search them to make sure we find you the property that perfectly matches your requirements.

We will take good care of you throughout the entire process, from making your initial travel plans to viewing your property, through to completing the sale and beyond, making sure you are very well assisted at all times.

Our experienced, multi-lingual staff are at your complete disposal.

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La Zagaleta - the Most luxurious houses in Spain

La Zagaleta  – the Most luxurious houses in Spain

La Zagaleta is renowned to host the most luxurious houses in Spain. Only stunning luxury villas and huge mansions are located in this famous urbanization of Marbella, home of distinguish celebrities and big fortunes as George Clooney, Sean Conery or Zinedine Zindane, who have fallen for the charms of the Costa del Sol, its stunning weather and the incredible lifestyle of the area.

The beginnings of this area go back to with the Saudi Businessman of Adnan Khashoggi, that due to his misfortune, had to sell a plot of incredible sea views and nature beauty: The foundations of what today is known as La Zagaleta.

After several owners, the Spanish Banker Enrique Pérez Flores started the company La Zagaleta Group, which oversees this 10 million square meters plot and are in charge of building new mansions.

This community is settled on the top of a hill in Marbella, in one of the most private and luxury areas of Spain. Thanks to its elevated position, most of the houses have uninterrupted sea views and a very private location. All villas in La Zagaleta have a massive plot, making that any property can’t be seen from others’ house, guaranteeing their total privacy.

Security is of major importance in this community: 24h armed security patrolling around, CCTV, and a exhaustive access control: no one goes in without previous authorization. The safety and privacy of the owners in La Zagaleta is a main concern. So much so that not everyone can buy a property here, regardless how much money they have. It is rumored that celebrities such as Shakira or even Beckham were rejected as new owners.

With more of 300 days of sun per year, and offering the largest range of activities in the Costa del Sol at any season, it is not hard to see why Hollywood stars have chosen Marbella as its favorite location.

Doesn’t matter if you are a keen golfer, a beach lover or you prefer hiking in the Nature, ¡All is possible in Marbella!

But La Zagaleta, although the most exclusive place, is not the only renowned community for Luxury villas in Marbella: Sierra Blanca, Nagüeles, Puerto Banús or the Golden Mile, are highly renowned for its mansions and luxury lifestyle.

How to open a bank account in Spain for UE citizens

How to open a bank account in Spain for UE citizens

If you are planning to live in Spain, receiving and making payments, namely buying a property in Spain, will be easier if you open a Bank account. If you don’t know how to open a Bank account in Spain, this article will guide you through it.

There are two different types of bank accounts: Resident and Non-Resident accounts. People who live less than 183 days (Six months) in Spain are considered non-residents, and will need the following documents:

  • A non-resident certificate: this document can be gotten in any National Police Station. The bank is usually in charge of getting this document for you, however you will be charged for it (around 15€-20€). This process will take approximately 10 days.
  • A passport or ID card.
  • A proof of employment status (employment contract, unemployment documentation, student card….)

All these documents must be in Spanish or officially translated.

If you want to buy a property in Spain, having a Bank account is highly recommended, but be aware that for this purchase, the money should be transferred from your personal bank account in your original country. Doing this transference from off shore accounts or foreigner societies is highly inadvisable.

Spain has over 170 financial institutions, most of which offer accounts for daily uses and will help you in opening a non-residents account. Be aware that most banks charge an annual fee for administration of the account and/or additional charges for credit cards, transferences, debits cards or withdrawals from other banks’ ATM.

These charges can be usually avoided having minimum purchases with the cards, or setting up direct deposits for the main house expenses and supplies (telephone, gas, electricity, water…)

Having an account in Spain has many advantages as you can benefit of easier access to loans and mortgages or lower exchange rates when transferring money.

In Andalucia Realty we will introduce you to the branch’s directors of the main banks in the area and guide you through the process of purchasing a property in Spain.

IVA (VAT) and ITP in Spain: When do I have to pay it?

IVA (VAT) and ITP in Spain: When do I have to pay it?

It does not matter if you have just started looking for your ideal home or if you have been already searching for a while; most surely the terms “ITP or IVA” had pop out while looking to Property portals or real estate agencies , but what is IVA and what is ITP? And in which case applies each one?

Buying a property in Spain has different costs and expenses depending on which type of property you are buying, your personal conditions (age, legal status, nationality…) and even on which autonomous community you are thinking to buy.

As this might be very complicated at the begining for most of buyers, we are going to explain the two most important taxes that applies to all properties:

  • IVA (or VAT in English) is a tax charged on most goods and services in Spain. The full rate and the most common one is 21%. However, on property sales it is reduced to 10%, only lands for property developments are charged at 21%, therefore be aware of which kind of property you want to buy and its taxation.
  • ITP is a tax depending on the autonomous community. Is considered a transfer tax that in Andalucia is rated as following:

The main difference among these two taxes is that IVA (or VAT) is only charged to new property sales, while when buying a second-hand home you must pay ITP, which will be calculated depending on the community (Notice it is an accumulative tax).

Our aim is to make the process of buying a property in Spain as simple as possible for our clients, that’s why we will advise you through all steps of the purchase.  The agency has the duty of informing the client with all these details, that must be resume in a document called DIA (compulsory in Andalucia).

You can know more about the documents needed to buy a property in Spain and about ITP in Andalucia, and other taxes and useful advices in our Real Estate Blog.

How to choose the perfect Holiday Home for you? | Andalucia Realty

How to choose the perfect Holiday Home for you? | Andalucia Realty

We have gathered the main concerns of our clients to create this useful guide to help you choose the perfect holiday home and buy a property that fulfill all your needs.

1- Location:

It might be very obvious, but location is one of the most important factors to consider when buying a property.

Think what is the most important thing for you about the location: Close to the golf?, close to shops?, or at walking distance to the beach?, do you need to be close to the old town?, do you want pubs and discos around or do you prefer a quiet location?… Write them down!

Is better for you to come and explore the area prior to start looking for a property. If you  are still not sure, a local sales agency will always be of help! We know all the areas, and will find the best one for your needs.

2- Budget:

Yes, we all want a property next to the beach, a 5 minute walk to the Golf, and in the best area of the city with pool, brand new and stunning views. Despite our wishes, not all of us can afford that. Therefore a good option to start looking will be setting a budget.

On this point you have to consider how much will be the maximum budget and if it includes taxes and other costs. It might be the time to start ranking the priorities, what is really something that you wish your property to have? for example, if it is being close to the beach, start thinking how far are you willing to accept as a maximum?

3- Space:

Think if the property will be only for you, or will also family or friends come to visit?, in that case you might want to consider their needs in terms of space.

If you like to be surrounded by your beloved ones check if there enough space to accommodate unexpected visitors as friends or family, or do you prefer a cozy home just for you with low maintenance?

4- Potential:

Even though you are buying a holiday home for you, think about the potential this property might have in case you would like to rent it in the future, or even in the seasons you are not in the city!

You can also be thinking in a holiday home that will become permanent eventually (eg: after retirement), would you sell this and look for another residence to become your main home, or do you prefer just to do one investment and keep this holiday home to become permanent someday?

5- Legal Requirements

It is always useful to have legal requirements in your mind when you are thinking of buying a property.

If you would like us to help you find the perfect holiday home, don’t hesitate to contact us!, just tell us your needs and let us do the work!

The 5-step guide for buying a property in Spain with full guarantees.

The 5-step guide for buying a property in Spain with full guarantees.

When buying your property, there are a series of steps which will enable you to make your purchase with full guarantees.

If you decide to select us as your agents in the process of buying a property, we will take care of every single step so it is just for you to choose your dream home property in the Costa del Sol.

There are documents that certify that a house is completely legal in Spain, as the first occupancy licence or the property registration certificate, that you shoud have before purchasing a property. Once you have those documents you must continue with the following steps:

1- Check the legal position of the property by contacting the Property Registry

The Property Registry is a state body and the Registrars are civil servants who provide you with verbal information free of charge and who have the power to issue certificates concerning the legal position of the property.

Every property we advertise in our webpage and portals have an updated simple note that proves all the data we have is correct. The simple note is a document detailing a brief description of the property, its position, surface area, the amount under common ownership in an apartment property, the administrative system that may affect it (e.g. whether it is subsidised housing); any existing mortgages on the property, when they are due to expire and capital, interest and costs.

2- Study the existing mortgage charges

In addition to the legal requirements, it is important to pay attention to whether the property you are going to acquire has a mortgage (if this is the case, it will appear in the Property Register). If so, we recommend that you:

  • Ask the vendor for a bank certificate with the outstanding amount to be paid.
  • Negotiate a better interest rate with the bank. You are not obliged to assume the mortgage loan contracted by the vendor under the same conditions; rather you may demand its cancellation or obtain a new loan with another institution.

We will advise you if the property has a mortgage. Most of properties with it have the mortgage cancelled by the moment of the purchase, having no cost for the buyer.

3- Go to a notary to carry out the purchase and sale

Notaries are also independent public officers who have the authority to attest documents and who are obliged to counsel parties at the time of the sale, informing them about the law that applies to them. Furthermore, they are in charge of drawing up the contract in accordance with the parties’ wishes and adjusting it to the law. The contract takes the form of a public deed.

The public deed is essential in order to register the sale in the Property Register and to benefit from the security it gives you, as explained in point 5.

Before he or she authorises the sale, the Notary shall request a non-certified extract from the Property Register. You may therefore review the legal status of the property again at this point.

In Spain, the Notary acts at the time of the sale, but he or she may also advise you in advance, just as lawyers and agents do in your country of origin.

4- Make sure you pay the corresponding sales taxes

Purchasing and selling property in Spain implies payment of certain taxes:

When buying a new property, you must pay VAT to the vendor.

When buying a used property, you must pay the Tax on Capital Transfers through one of the banks recognised by the Government.

In both cases, if you buy via a mortgage you must pay the Tax on Documented Legal Acts to a Tax Authority account through the collaborating banks.

5- Register as owner of the property in the Property Register

Once the sale has been carried out and the taxes have been paid, go to the Property Register corresponding to the property’s location to register it. Registration is not an obligation, but if a purchaser does so he or she shall be fully protected as the proprietor:

What appears in the Register is presumed to be true and can only be modified by a judge.

Nobody may dispute your right regarding the property that has still not appeared in the Register at the time of carrying out the sale and if someone wishes to register a document he or she may only do so with your consent or by legal procedure to which he or she has been party.

You shall be protected against the vendor’s creditors and against any charges that may occur which have not been entered in the Register. You shall be protected even if a judge were to decide that the contract through which the person who sold you the property originally acquired it is void, for reasons that do not appear in the Register.

In Andalucia realty we know that buying a property is a very important step and a happy moment that can involve a lot of time and resources. For buyers wanting to avoid any future problems and unnecessary complications, our company has already check every detail of each property we advertise, making sure all is up to date and according to the law.

Therefore if you are looking to buy a property in the Costa del Sol, we will gladly advise you and assist you through all the process.

This document is an extract of the text Safely Purhasing a House in Spain, available in the webpage of the Ministery of Public Works Transport and Housing of Spain.

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