Knowledge Base
Practical, independent guides covering the full investment journey — legal, tax, financing, area analysis and more. Written for Dutch and international buyers.
Legal
Step-by-step walkthrough of the purchase process, required documents, and key timelines.
GuideThe foreigner identification number every buyer needs — how to apply from the Netherlands and Spain.
GuideWhat the notary does, what they don't do, and why you still need an independent lawyer.
GuideRegistro de la Propiedad, cadastral records, debts and encumbrances — what your lawyer must verify.
Tax
Impuesto de Transmisiones Patrimoniales — Catalonia rates, calculation, and who pays.
TaxHow the bilateral treaty affects Dutch investors on rental income, capital gains, and wealth tax.
TaxAnnual obligations for foreign property owners, even if you don't rent the property out.
TaxIf you're moving to Spain, the special regime for inbounds could significantly reduce your tax burden.
Finance
Spanish banks typically lend 60–70% LTV to foreigners. What to prepare and which banks to approach.
FinanceSome Dutch institutions and international brokers also offer Spain mortgages — pros, cons and rates.
FinanceFX options, transfer timing, and how to move large sums efficiently and compliantly.
Rental
How to obtain a Habitatge d'Ús Turístic licence — and what the new Catalan moratoriums mean for buyers.
RentalYield comparison, seasonal dynamics, and which areas suit which approach.
RentalHow to manage a rental property in Girona remotely — platforms, local managers, and costs.