Buying Property in Spain for Dutch Citizens
Are you a Dutch citizen looking to buy property in Spain? Tomas Ballestero Lawyers has over 30 years of experience helping Dutch buyers on the Costa Blanca and in the Valencia region. We understand the differences between Dutch and Spanish property law and ensure your purchase is legally protected.
What Dutch Buyers Need to Know
As an EU citizen, you can freely purchase property and reside in Spain. The Spanish property purchase process differs significantly from the Netherlands. There is no equivalent of the Dutch bedenktijd (three-day cooling-off period) for existing properties. The role of the notaris also differs in Spain. Our lawyers guide you through these differences.
Key Differences from Dutch Property Law
Tax Implications for Dutch Property Owners
The Netherlands and Spain have a double taxation treaty. Dutch tax residents must declare Spanish property in their belastingaangifte under Box 3 (savings and investments). When you sell, capital gains tax applies in Spain but is credited against Dutch tax obligations under the treaty.
Areas Popular with Dutch Buyers
Dutch buyers are particularly drawn to Javea, Moraira, Denia, Altea, on the Costa Blanca. We serve all these areas and beyond, including Valencia city.
Frequently Asked Questions
Is the buying process different from the Netherlands?
Yes, significantly. There is no cooling-off period, no kosten koper system, and the buyer must appoint their own lawyer. Transfer tax in Valencia.
Do I need to register as a resident if I buy property?
Not necessarily. Many Dutch buyers keep non-resident status and use the property as a holiday home. If you stay more than 183 days per year, you become a Spanish tax resident.
Can I get a mortgage from a Spanish bank?
Yes, Spanish banks offer mortgages to Dutch citizens, typically up to 70% for non-residents. Our team can connect you with mortgage providers.
Contact us today for a free consultation.
Call us+34 965 792 946 or +34 607 320 768
Email[email protected]
