Home
Can I get a mortgage?
We can offer
Remortgage/ Refinance
How to apply
Application form
Call back
Email back
Currency exchange
Mortgage costs
Mortgage calculator
Interest calculator
Solicitor
Contact details

 

Why use broker and solicitor

Request and Check the Certificate of Ownership and Charges of the Property Registry.

Check that the owners' association expenses have

Check that the property tax has been paid.

Check conformance of the home at the local council's housing department. Make a deposit.

Check the Certificate of Title and Charges.

Check the bylaws governing the owners' association. If the home has been inherited

Check that the urban development charges have been properly formalized.

Check that a construction permit has been obtained.

Check that the Certificate of Occupancy has been obtained.

Check that the First Occupancy License has been obtained.

Check that the developer has available the following data and documents:

- Name

- Plans showing the location of the building and the layout of the home, as well as a description of the installations. Description of the building, of the home, of the common areas and the ancillary services.

- Specifications of the materials used in construction, including the soundproofing and insulation.

- Instructions on the upkeep, use and evacuation of the building. Registration details in the Property Registry or lack thereof. Total price.

- Administrative documentation (permits, urban planning certificate, etc.). Bylaws and procedures of the owners' association.

- Information on the payment of taxes.

- The way in which the contract will foreseeable be documented, and its general and special conditions, stating, in an especially legible manner:

- That the consumer will not have to pay title expenses which legally must be borne by the seller (e.g., the early settlement of any mortgage that may have been taken out). Articles 1,280 and 1,279 of the Civil Code (the right to have the agreement recorded in a public deed).

The purchaser's right to choose the notary.

If the home, common areas and the ancillary elements are not complete, the completion date should be clearly stated. If this is the first transfer of the home, the name and address of the architect and the name and address of the builder must be indicated.

The information on the total price must be especially carefully detailed and must include agent's fees and VAT or Stamp Duty.

Form of payment and, if appropriate, the admissible payment methods for the amounts deferred.

If it is expected that the buyer will be subrogated to a credit transaction not arranged by him with the home as security, the name of the notary authorizing the related deed, the date thereof, the registration data in the Property Registry and the mortgage liability on each home, including maturities and amounts, must be clearly indicated.

Guarantees that must be provided by the buyer for the price or deferred portion. It must be expressly stated that the payments on account will be deducted from the sale price.

If the home is not finished, a copy of the document or documents evidencing the guarantees provided must be made available to the public.


 

Application form online
Email us
Callback service
 Agreement in principle

INSCRITA EN EL REGISTRO MERCANTIL DE MALAGA, CIF:B92247857
Mortgage for Spain | Spanish Mortgages
< HOME | COPYRIGHT© 2006 - 2008 DIRECT-2SPAIN a business in Mortgage4Spain Group | WEBMASTER | SITE MAP

Valid HTML 4.01 Transitional