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Woning in Spanje KopenWoning in Spanje Kopen
Free · 14 pages · PDF
2026 edition · Updated for NRUA

The complete guide to buying a home in Spain

Everything an international buyer needs to know · from NIE application to tax return. No sales pitch, just the honest reality.

What's in the guide?

  1. Are you ready? . The three honest questions to start with
  2. Which region suits you? . 6 regions compared (climate, price, ITP, audience)
  3. What does it really cost? . Purchase costs per region + worked examples
  4. Mortgage . Spanish or home country? Comparison + 2026 rates
  5. The buying process . 8 steps, week-by-week timeline
  6. Legal pitfalls . 6 major risks and how to avoid them
  7. Taxes . IRNR, IBI, Plusvalia and wealth tax abroad
  8. Renting in Spain . 2026 rules, permits, realistic returns
  9. After the purchase . Management, tax, long-term planning

Bonus: Full document checklist + Spanish-English glossary with 20+ terms.

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01
No marketing speak

Honest prices, honest risks. What a Spanish agent site leaves out is here in black and white.

02
Up to date for 2026

Includes NRUA rental registration (July 2025), HOA rules and ITP rates per region.

03
By a Dutch agent

Written by Demy Roelofs, who has guided 10+ international buyers through their purchase in Spain.

Demy Roelofs
Demy Roelofs
Founder Woning in Spanje Kopen

"I wrote this guide to give international buyers the years of experience I've built up. Not a sales tool, just the honest reality. If you still have questions after reading: book a no-obligation call."

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