{"id":1380,"date":"2026-09-29T09:24:03","date_gmt":"2026-09-29T07:24:03","guid":{"rendered":"https:\/\/formentera.studio\/?p=1380"},"modified":"2026-09-29T09:24:03","modified_gmt":"2026-09-29T07:24:03","slug":"jak-sprawdzic-dlugi-obciazenia-nieruchomosci-hiszpania","status":"publish","type":"post","link":"https:\/\/formentera.studio\/en\/jak-sprawdzic-dlugi-obciazenia-nieruchomosci-hiszpania\/","title":{"rendered":"How to check whether a property in Spain is free of debts and charges \u2013 before you pay a deposit"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1380\" class=\"elementor elementor-1380\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33f67f8 e-flex e-con-boxed e-con e-parent\" data-id=\"33f67f8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e69423 elementor-widget elementor-widget-html\" data-id=\"0e69423\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav class=\"fs-crumbs\"><a href=\"\/en\/poradnik\/\">Guides<\/a> <span>\/<\/span> <a href=\"\/en\/poradnik\/#nieruchomosci-w-hiszpanii\">Property in Spain<\/a><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b37da40 fs-h1 elementor-widget elementor-widget-heading\" data-id=\"b37da40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How to check whether a property in Spain is free of debts and charges \u2013 before you pay a deposit<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c9e7f8 fs-postmeta elementor-widget elementor-widget-post-info\" data-id=\"0c9e7f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-83cfc93 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/formentera.studio\/en\/2026\/09\/29\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>29 September 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-b9bae1c elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t7 min read\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a3629b fs-lead elementor-widget elementor-widget-text-editor\" data-id=\"5a3629b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Spain, some debts \u201cpass\u201d to the buyer together with the property: a registered mortgage, unpaid IBI property tax or outstanding fees owed to the owners\u2019 association. Most of them can be checked before you sign anything \u2013 as long as you know which documents to ask for and in what order.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e88e10 e-flex e-con-boxed e-con e-parent\" data-id=\"0e88e10\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2ebc43 fs-hero-img elementor-widget elementor-widget-image\" data-id=\"e2ebc43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2200\" height=\"1237\" src=\"https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-okupas-marbella-apartamenty.jpg\" class=\"attachment-full size-full wp-image-1095\" alt=\"Apartamenty w Marbelli \u2013 Costa del Sol\" srcset=\"https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-okupas-marbella-apartamenty.jpg 2200w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-okupas-marbella-apartamenty-300x169.jpg 300w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-okupas-marbella-apartamenty-1024x576.jpg 1024w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-okupas-marbella-apartamenty-768x432.jpg 768w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-okupas-marbella-apartamenty-1536x864.jpg 1536w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-okupas-marbella-apartamenty-2048x1152.jpg 2048w\" sizes=\"(max-width: 2200px) 100vw, 2200px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Photo: Milan Trninic \/ Unsplash<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56e3394 fs-art-body e-flex e-con-boxed e-con e-parent\" data-id=\"56e3394\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-924c894 fs-art elementor-widget elementor-widget-text-editor\" data-id=\"924c894\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>In brief<\/h2>\n<ul>\n<li>Start with an up-to-date <em>nota simple<\/em> from the land registry (<em>Registro de la Propiedad<\/em>). It shows the owner, mortgages, attachments and other registered charges, and costs EUR 9.02 + IVA.<\/li>\n<li>Unpaid fees owed to the owners' association (<em>comunidad de propietarios<\/em>) for the current year and the three previous years stay attached to the flat after it changes hands. The seller must present a certificate of the account status to the notary.<\/li>\n<li>The property is also liable for unpaid property tax (<em>IBI<\/em>), so ask for proof of payment for recent years.<\/li>\n<li>If the seller is not tax resident in Spain, the buyer must withhold 3% of the price and pay it to the tax office (<em>modelo 211<\/em>).<\/li>\n<li>Do not pay a deposit until you have seen these documents.<\/li>\n<\/ul>\n<p>Below, I explain exactly what to check, in which documents and what to watch out for. The information reflects the legal position as of September 2026.<\/p>\n\n<h2>Why can debts in Spain \u201cpass\u201d to the buyer?<\/h2>\n<p>In Poland, many people assume that a seller's debts are only the seller's problem. In Spain, some obligations are tied to the property itself \u2013 lawyers call this <em>afecci\u00f3n real<\/em>. If the seller has not paid, a creditor (such as the town hall or the owners' association) may, within certain limits, claim the amount from the new owner or from the property.<\/p>\n<p>Not every debt works this way. An unpaid electricity or internet bill is usually the responsibility of the person who signed the contract with the supplier, not of the flat. That is why it is worth knowing which charges are genuinely risky for a buyer and where to check them.<\/p>\n\n<h2>1. Nota simple \u2013 the first document to ask for<\/h2>\n<p><em>Nota simple<\/em> is an extract from the Spanish land registry \u2013 the equivalent of a simplified extract from a Polish land and mortgage register. You can order it yourself on the website of the Association of Registrars (<em>Colegio de Registradores<\/em>). According to official information, it costs EUR 9.02 + IVA and usually arrives within a few hours.<\/p>\n<p>In the nota simple, check above all:<\/p>\n<ul>\n<li><strong>who the owner is<\/strong> \u2013 whether it is the same person (or people) selling the property,<\/li>\n<li><strong>mortgages<\/strong> (<em>hipoteca<\/em>) \u2013 whether the property is burdened by a loan,<\/li>\n<li><strong>attachments and cautionary entries<\/strong> (<em>embargo<\/em>, <em>anotaci\u00f3n preventiva<\/em>) \u2013 for example an attachment by the tax office or a court,<\/li>\n<li><strong>third-party rights<\/strong> \u2013 for example easements (<em>servidumbre<\/em>) or a life interest (<em>usufructo<\/em>),<\/li>\n<li><strong>the property description<\/strong> \u2013 the floor area and extras (garage, storage room), which should match the listing.<\/li>\n<\/ul>\n<p>A mortgage in the nota simple is not necessarily a problem. Sellers often repay the loan with the buyer's money on the day of the notarial deed, and the bank then cancels the mortgage. However, this must be clearly agreed and planned \u2013 ideally by the buyer's lawyer.<\/p>\n<p>Remember that a nota simple shows the situation on a specific day. It is a good idea to order one at the start and then check the registry again just before signing the preliminary contract and the notarial deed. The Association of Registrars also offers an online version of the extract, the <em>nota online<\/em>, which you can consult for 10 days (EUR 12.03 + IVA).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dea2c7f fs-art-img elementor-widget elementor-widget-image\" data-id=\"dea2c7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2200\" height=\"1465\" src=\"https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-koszty-frigiliana-drzwi.jpg\" class=\"attachment-full size-full wp-image-1100\" alt=\"Niebieskie drzwi w bia\u0142ym domu \u2013 Frigiliana\" srcset=\"https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-koszty-frigiliana-drzwi.jpg 2200w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-koszty-frigiliana-drzwi-300x200.jpg 300w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-koszty-frigiliana-drzwi-1024x682.jpg 1024w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-koszty-frigiliana-drzwi-768x511.jpg 768w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-koszty-frigiliana-drzwi-1536x1023.jpg 1536w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-koszty-frigiliana-drzwi-2048x1364.jpg 2048w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/poradnik-koszty-frigiliana-drzwi-1920x1280.jpg 1920w\" sizes=\"(max-width: 2200px) 100vw, 2200px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Photo: Christian Hergesell \/ Unsplash<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e431d67 fs-art elementor-widget elementor-widget-text-editor\" data-id=\"e431d67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>2. Debts owed to the owners' association<\/h2>\n<p>Buildings and developments with shared areas have an owners' association (<em>comunidad de propietarios<\/em>). Under the Spanish Horizontal Property Act (<em>Ley de Propiedad Horizontal<\/em>, art. 9), the flat is liable for unpaid community fees for the part of the year in which the purchase takes place and for the three previous calendar years.<\/p>\n<p>The same Act also protects the buyer. At the notarial deed, the seller must declare that there are no arrears (or state the amount owed) and present a certificate from the association (<em>certificado de deudas con la comunidad<\/em>). Without it, the notary will not execute the deed \u2013 unless the buyer expressly waives this requirement. <strong>Do not agree to such a waiver<\/strong> without a very good reason.<\/p>\n<p>Also ask for:<\/p>\n<ul>\n<li>the amount of the current fees (<em>cuota de comunidad<\/em>),<\/li>\n<li>information on whether the association has approved any extra levies (<em>derramas<\/em>), for example for facade or lift repairs,<\/li>\n<li>if possible, the minutes of recent meetings (<em>actas de la junta<\/em>) \u2013 they show planned works and any disputes.<\/li>\n<\/ul>\n<p>It is also worth stating in the contract who will pay an extra levy that has already been approved but only falls due after the purchase. Without such a clause, misunderstandings are easy.<\/p>\n\n<h2>3. IBI property tax<\/h2>\n<p><em>IBI<\/em> (<em>Impuesto sobre Bienes Inmuebles<\/em>) is an annual property tax paid to the town hall. Under the Local Finance Act (art. 64 <em>Ley Reguladora de las Haciendas Locales<\/em>), the property remains liable for unpaid IBI after a change of owner. If enforcement against the seller fails, the town hall may claim the outstanding tax from the buyer \u2013 for all years that are not yet time-barred.<\/p>\n<p>That is why you should ask the seller for recent IBI bills with proof of payment, or for a certificate from the town hall or the body that collects the tax on its behalf. The notary must inform the parties of any IBI arrears, but it is better to know the situation earlier \u2013 before you pay a deposit.<\/p>\n<p>The IBI bill is also useful for checking the cadastral reference (<em>referencia catastral<\/em>) and the data held by the cadastre (<em>Catastro<\/em>). Compare them with the nota simple: differences in floor area or description are not always serious, but they need to be clarified before the purchase.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01d3fa1 fs-art-img elementor-widget elementor-widget-image\" data-id=\"01d3fa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2200\" height=\"1467\" src=\"https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/walencja-i-okolice-valencia-stare-miasto.jpg\" class=\"attachment-full size-full wp-image-1087\" alt=\"Walencja i okolice \u2013 Valencia\" srcset=\"https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/walencja-i-okolice-valencia-stare-miasto.jpg 2200w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/walencja-i-okolice-valencia-stare-miasto-300x200.jpg 300w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/walencja-i-okolice-valencia-stare-miasto-1024x683.jpg 1024w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/walencja-i-okolice-valencia-stare-miasto-768x512.jpg 768w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/walencja-i-okolice-valencia-stare-miasto-1536x1024.jpg 1536w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/walencja-i-okolice-valencia-stare-miasto-2048x1366.jpg 2048w, https:\/\/formentera.studio\/wp-content\/uploads\/2026\/09\/walencja-i-okolice-valencia-stare-miasto-1920x1280.jpg 1920w\" sizes=\"(max-width: 2200px) 100vw, 2200px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Photo: travelnow.or.crylater \/ Unsplash<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5e6563 fs-art elementor-widget elementor-widget-text-editor\" data-id=\"d5e6563\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>4. A non-resident seller: 3% of the price for the tax office<\/h2>\n<p>Many sellers on the Spanish coast are foreigners who are not tax resident in Spain. In that case, the Spanish Tax Agency (<em>Agencia Tributaria<\/em>) requires the buyer to withhold 3% of the agreed price and pay this amount to the tax office using form <em>modelo 211<\/em> within one month of the purchase. It is an advance payment towards the seller's tax.<\/p>\n<p>If the buyer fails to do so, they risk penalties and the tax office may claim the amount from them. In practice, the withholding is arranged at the notarial deed and the form is filed by the buyer's lawyer or tax adviser. Make sure this point is part of the transaction plan.<\/p>\n\n<h2>5. The legal status of the building and technical documents<\/h2>\n<p>Debts are not the whole story. Before buying, also check that the property is legal and has the documents required for a sale:<\/p>\n<ul>\n<li><strong>an energy performance certificate<\/strong> (<em>certificado de eficiencia energ\u00e9tica<\/em>) \u2013 required when selling,<\/li>\n<li><strong>a document confirming that the property is fit for habitation<\/strong> \u2013 depending on the region, for example a <em>c\u00e9dula de habitabilidad<\/em> or a <em>licencia de primera ocupaci\u00f3n<\/em>; the rules differ between autonomous communities,<\/li>\n<li><strong>compliance with planning rules<\/strong> \u2013 especially for houses outside towns (on rural land, <em>suelo r\u00fastico<\/em>), extensions, enclosed terraces and swimming pools. An extension that does not appear in the land registry or the cadastre is a sign to ask the town hall for clarification.<\/li>\n<\/ul>\n\n<h2>The order of steps: what to check and when<\/h2>\n<ol>\n<li><strong>Before a reservation or deposit:<\/strong> the nota simple, the latest IBI bill, and information on community fees and any <em>derramas<\/em>.<\/li>\n<li><strong>In the preliminary contract<\/strong> (<em>contrato de arras<\/em>): a clause stating that the property will be transferred free of debts and charges (except those agreed by the parties, such as a mortgage repaid on the day of the deed), plus a clear split of costs.<\/li>\n<li><strong>Just before the notarial deed:<\/strong> a fresh check of the land registry, the certificate from the owners' association, and confirmation of the mortgage repayment plan and of any 3% withholding.<\/li>\n<li><strong>After the purchase:<\/strong> registration in your name, and transfer of IBI, community fees and utilities.<\/li>\n<\/ol>\n<p>Before the deed is signed, a Spanish notary checks the current position in the land registry. This does not, however, replace your own checks at an earlier stage \u2013 especially before you pay a deposit, which you may lose if you later withdraw from the purchase.<\/p>\n\n<h2>How Formentera Studio helps<\/h2>\n<p>When buying from Poland, the hardest part is often not checking the documents but gathering them from the agent, the seller and the property manager \u2013 in Spanish and on time. As part of my personal support, I help you organise these steps, ask for any missing information and coordinate communication with the lawyer who carries out the legal due diligence. I do not replace a lawyer or a notary, but I make sure no important document slips through the net.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-025d096 fs-art elementor-widget elementor-widget-text-editor\" data-id=\"025d096\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"fs-src-h\">Sources and updates<\/h3>\n<ul class=\"fs-sources-list\">\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1960-10906\" target=\"_blank\" rel=\"noopener\">Ley 49\/1960 de Propiedad Horizontal, art. 9 (BOE)<\/a><\/li>\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2004-4214\" target=\"_blank\" rel=\"noopener\">Real Decreto Legislativo 2\/2004 \u2013 Ley Reguladora de las Haciendas Locales, art. 64 (BOE)<\/a><\/li>\n<li><a href=\"https:\/\/www.registradores.org\/en\/-\/cuando-cuesta-una-nota-simple-en-un-registro-de-la-propiedad\" target=\"_blank\" rel=\"noopener\">Colegio de Registradores \u2013 cost of a nota simple<\/a><\/li>\n<li><a href=\"https:\/\/blog.registradores.org\/en\/-\/conoces-ya-la-nueva-nota-online-que-se-puede-solicitar-en-la-sede-electr%C3%B3nica-de-los-registradores-y-su-diferencia-con-la-nota-simple-normal\" target=\"_blank\" rel=\"noopener\">Colegio de Registradores \u2013 nota simple and nota online<\/a><\/li>\n<li><a href=\"https:\/\/sede.agenciatributaria.gob.es\/Sede\/no-residentes\/irnr-sin-establecimiento-permanente\/retenciones-irnr-sin-establecimiento-permanente\/retencion-adquirente-inmueble.html\" target=\"_blank\" rel=\"noopener\">Agencia Tributaria \u2013 3% withholding when buying from a non-resident (modelo 211)<\/a><\/li>\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2021-9176\" target=\"_blank\" rel=\"noopener\">Real Decreto 390\/2021 \u2013 energy performance certificate (BOE)<\/a><\/li>\n<\/ul>\n<p class=\"fs-verified\">Information verified: 29 September 2026.<\/p>\n<p class=\"fs-note\">This article is for information only and does not replace individual legal or tax advice. Before buying, have the property checked by a Spanish lawyer (<em>abogado<\/em>).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-083f0b3 e-flex e-con-boxed e-con e-parent\" data-id=\"083f0b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-401d880 fs-h2 elementor-widget elementor-widget-heading\" data-id=\"401d880\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Want to buy a property in Spain without unpleasant surprises?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c4a9b6 fs-text elementor-widget elementor-widget-text-editor\" data-id=\"1c4a9b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align:center\">Tell me about your plans \u2014 I will guide you through the document checks step by step.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db129aa elementor-align-center fs-btn elementor-widget elementor-widget-button\" data-id=\"db129aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Let's talk<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-93b2ea4 e-flex e-con-boxed e-con e-parent\" data-id=\"93b2ea4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef0bba elementor-widget elementor-widget-html\" data-id=\"4ef0bba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fs-related\"><p class=\"fs-overline\">Guides<\/p><ul class=\"fs-region-list\"><li><a href=\"\/en\/poradnik\/#nieruchomosci-w-hiszpanii\"><span class=\"fs-rl-name\">More: Property in Spain<\/span><span class=\"fs-rl-arrow\">\u2192<\/span><\/a><\/li><li><a href=\"\/en\/poradnik\/\"><span class=\"fs-rl-name\">All Guide articles<\/span><span class=\"fs-rl-arrow\">\u2192<\/span><\/a><\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Nota simple, op\u0142aty wsp\u00f3lnoty, IBI i 3% przy sprzedaj\u0105cym nierezydencie. Co sprawdzi\u0107, zanim wp\u0142acisz zadatek za mieszkanie w Hiszpanii.<\/p>","protected":false},"author":3,"featured_media":1095,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-1380","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nieruchomosci-w-hiszpanii"],"_links":{"self":[{"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/posts\/1380","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/comments?post=1380"}],"version-history":[{"count":3,"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/posts\/1380\/revisions"}],"predecessor-version":[{"id":1383,"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/posts\/1380\/revisions\/1383"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/media\/1095"}],"wp:attachment":[{"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/media?parent=1380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/categories?post=1380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/formentera.studio\/en\/wp-json\/wp\/v2\/tags?post=1380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}