The NIE: your first step
Before buying you need the Foreigner Identity Number (NIE), essential to sign the deed, open a bank account and pay taxes. It can be arranged in Spain or at the consulate; at SunLive Invest we coordinate the appointment and paperwork so you arrive with everything ready.
Financing for non-residents
Spanish banks lend to foreign buyers, usually up to 60-70 % of the appraised value for non-residents. It pays to compare several lenders: interest rates, arrangement fees and tied products vary widely. We introduce you to banks we already work with that understand the Polish investor profile.
The real cost of buying
On top of the property price come taxes and fees: transfer tax or VAT depending on whether it is resale or new-build, plus notary, land registry and conveyancing. As a guide, budget around an extra 10-13 % on the purchase price. We give you a firm estimate before you make any decision.
Every deal is different; we guide you in Polish from start to finish so there are no surprises.
