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The Q&A section is designed to answer some of the many questions that arise from considering a move to Spain and purchasing property on the Eastern Costa Del Sol.
Answer: The journey to owning your dream home begins with clarity. First, determine your total budget, including purchase costs (taxes and fees). Next, narrow down your preferred location on the Costa del Sol and decide on the property type—whether it’s a villa, apartment, or townhouse. Once you have a vision, the most effective step is to partner with a reputable local agent. Villasol Real Estate makes this easy. We start by discussing your specific needs and lifestyle requirements to curate a portfolio of properties that match your vision. We guide you from the very first search result to the moment you hold the keys.
Answer: If you are a citizen of an EU/EEA country or Switzerland, you do not need a visa, though you must register as a resident. For non-EU citizens (including UK nationals) planning to stay longer than 90 days, a visa is mandatory. Common visa options include:
Answer: To buy property legally, you must obtain an NIE (Foreigner Identification Number), open a Spanish bank account for transferring funds, and sign the deeds before a Public Notary. You will also need to conduct legal checks on the property to ensure there are no debts or planning infractions. Villasol Real Estate ensures nothing is left to chance. Our staff has extensive experience in gathering the necessary documentation and working side-by-side with recommended legal professionals to guarantee a compliant and secure transaction.
Answer: The NIE is essential for any financial transaction in Spain. You can apply for one in person at a National Police station in Spain (requires an appointment) or via a Spanish Consulate in your home country. Alternatively, you can grant Power of Attorney to a lawyer to obtain it on your behalf. Please ask Villasol to assist you; we can direct you to the fastest and most convenient method for your circumstances.
Answer: Yes, buyers should budget between 10% and 13% of the purchase price to cover taxes and fees.
Answer: Beyond the purchase, annual costs include IBI (Council Tax), Basura (Rubbish Collection), community fees (if in an urbanization), utilities (water/electricity), and home insurance. Non-residents must also pay a yearly buying-in tax (Non-Resident Imputed Income Tax). Our team at Villasol can provide a specific estimate of these running costs for any property listing you are interested in.
Answer: The standard process on the Costa del Sol follows three main stages:
Answer: Yes, Spanish banks lend to non-residents. Generally, banks will offer up to 60% or 70% Loan-to-Value (LTV) for non-residents, depending on your financial profile. Fixed and variable rates are available. We can introduce you to reputable mortgage brokers or bank managers to secure the best rates.
Answer: Upon signing the private purchase contract, a 10% deposit is standard. However, if you are obtaining a mortgage, remember that banks typically lend 60-70% of the value. Therefore, you should have roughly 30-40% of the property price available in cash, plus an additional 10-12% to cover taxes and closing costs.
Answer: The Eastern Costa del Sol (including Nerja, Torrox, and Frigiliana) offers a distinct microclimate and authentic Andalusian charm. Consider your priorities: Do you need to be walking distance to the beach? Do you require flat access or do you prefer hillside views? Is proximity to Malaga Airport crucial? With over 20 years of experience in the local market, Villasol Real Estate offers unmatched local knowledge. We help you weigh these factors to find a location that holds its value and suits your lifestyle.
Answer: It depends on your taste. New builds offer modern energy efficiency, contemporary design, and guarantees on construction. Resale properties often feature mature gardens, established communities, and prime locations in the heart of town. Our current portfolio at Villasol includes a superb choice of both styles. If you have specific requirements, contact us for a tailored property search.
Answer: If you buy in an urbanization (complex), you will pay monthly or quarterly community fees. These cover the maintenance of shared facilities like swimming pools, gardens, elevators, and security. Villasol checks the status of these fees for every property we sell to ensure the community is well-run and solvent.
Answer: While not legally mandatory, it is highly recommended. A lawyer ensures the property has no debts, verifies the legality of the build, and protects your interests in the contract. Villasol Real Estate works with the best and most reliable legal professionals in Nerja and the surrounding areas to ensure a safe and completely secure purchase experience.
Answer: You will need your passport, your NIE (or proof of application), and proof of address/income. Spain has many traditional banks (like CaixaBank or Sabadell) and modern online banks. We can recommend banks in Nerja that have English-speaking staff and specific accounts designed for international clients.
Answer: Spain consistently ranks among the best healthcare systems in the world. Residents paying social security have access to free public healthcare. However, for residency applications (like the NLV or Golden Visa), you usually need comprehensive private health insurance with no copayments. Villasol can direct you to insurance brokers who specialize in policies that meet residency requirements.
Answer: Once your visa is approved, you must arrive in Spain and apply for your TIE (Tarjeta de Identidad de Extranjero) at a local police station, which involves fingerprinting. You must also register on the Padron (town hall census) in your local municipality. Our team is happy to assist you in organizing the necessary appointments and paperwork.
Answer: No, the Non-Lucrative Visa strictly prohibits "lucrative" (paid) activity within Spain. If you wish to work, you should explore the Digital Nomad Visa, Entrepreneur Visa, or a standard work permit sponsored by a Spanish employer.
Answer: Nerja offers a high quality of life at a cost that is significantly lower than the UK or Northern Europe. While prices have risen slightly, eating out, groceries, council tax, and public transport remain very affordable. Villasol can provide a detailed overview of typical household expenses so you can budget accurately for your new life in the sun.
Answer: Yes, families are well catered for. There are excellent Spanish state schools that integrate foreign children well. For an English curriculum, the Almuñécar International School is a short drive away, and there are other private options in the wider Malaga area.
Answer: Once you own the property, utility contracts (water, electricity, internet) must be transferred to your name and set up for direct debit. This administrative burden is removed when you buy with us; Villasol or your legal representative generally handles the transfer of all utility contracts to ensure the lights are on when you move in.
Answer: Yes! Spain is very pet-friendly. You will need a valid Pet Passport (or animal health certificate), an ISO microchip, and up-to-date rabies vaccinations. Note that Spain recently passed a new Animal Welfare Law, so specific insurance for dogs may be required. Please ask us for details—we can help ensure your furry family members have a smooth transition to their new home.
Answer: Spring and Autumn are ideal for moving. The temperatures are mild (20°C–25°C), making the physical work of moving easier. Summer (July/August) can be very hot for moving furniture, though it is a great time to visit and view properties with Villasol.
Please use the links below for additional information.
[ NERJA ] - [ FRIGILIANA ] - [ TORROX ] - [ MOVING TO SPAIN ] - [ LEGAL PROCESS ] - [ Q&As ] - [ CONTACT US ]
Are you looking for properties for sale in Frigiliana, Nerja, Torrox and the surrounding area? Whether you are searching for apartments or houses, villas, country homes or new development property, Villasol is your local, experienced and friendly estate agent specializing in property for sale in Frigiliana. Nerja and Torrox
Established for more than twenty years, you will find our experienced team, responsive, informative, and attentive at every stage of your property purchase experience. We start with the property viewing stage, we look forward to showing you apartments, villas, Cortijos, Town houses and New Development property situated along the Eastern Costa del Sol. We have a wealth of local experience and contacts and offer an extensive range of property services to help you find your dream home in the sun.
Please Contact Us today and together we will begin your search for a new home in the sun…
