Frequently asked questions

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FREQUENTLY ASKED QUESTIONS

TO SELL

Frequently asked questions

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To sell a property you need: Property deed, ID or 
NIE, certificado energético, cédula de
habitabilidad, Certificate of Good Standing with the Homeowners' Association, Nota Simple, ITE,
last IBI receipt, last utility bills, mortgage
documentation if there is a loan.
To sell a property you need: Property deed, ID or NIE, certificado 
energético, cédula de habitabilidad, Certificate of Good Standing with
the Homeowners' Association, Nota Simple, ITE, last IBI receipt, last
​​​​​​​utility bills, mortgage documentation if there is a loan.

What documents do I need to sell an apartment?

What documents do I need to sell an apartment?

What documents do I need to sell an apartment?

How can I find out the real value of my home?

The value of a property depends on multiple 
factors: location, size, condition, orientation, 
terrace, elevator, and, of course, current market 
demand. Our team analyzes all these aspects to 
offer you an accurate, realistic valuation tailored 
​​​​​​​to the current real estate market.
The value of a property depends on multiple factors: location, size, 
condition, orientation, terrace, elevator, and, of course, current market
demand. Our team analyzes all these aspects to offer you an accurate,
​​​​​​​realistic valuation tailored to the current real estate market.

The most common expenses are: real estate 
fees, energy certificate, occupancy certificate,
mortgage cancellation and community
​​​​​​​certificate.
The most common expenses are: real estate fees, energy certificate, 
​​​​​​​occupancy certificate, mortgage cancellation and community certificate.
The most common expenses are: real estate fees, energy certificate, 
​​​​​​​occupancy certificate, mortgage cancellation and community certificate.
The most common expenses are: real estate fees, energy certificate, 
​​​​​​​occupancy certificate, mortgage cancellation and community certificate.

What are the costs involved in selling a home?
What are the costs involved in selling a home?
What are the costs involved in selling a home?

The main taxes are: Municipal Capital Gains Tax and
Personal Income Tax (IRPF) on capital gains. The 
amount will depend on the profit obtained and 
each individual case. There are exemptions from 
IRPF, so the law allows you not to pay this tax if the 
property is your primary residence and you are over 
65 years old, or if you sell your primary residence 
and reinvest in another primary ​​​residence within a 
​​​​​​​maximum of two years.
The main taxes are: Municipal Capital Gains Tax and Personal Income Tax 
(IRPF) on capital gains. The amount will depend on the profit obtained and
each individual case. There are exemptions from IRPF, so the law allows you
not to pay this tax if the property is your primary residence and you are over 65
years old, or if you sell your primary residence and reinvest in another primary
​​​​​​​residence within a maximum of two years.
The main taxes are: Municipal Capital Gains Tax and Personal Income Tax 
(IRPF) on capital gains. The amount will depend on the profit obtained and
each individual case. There are exemptions from IRPF, so the law allows you
not to pay this tax if the property is your primary residence and you are over 65
years old, or if you sell your primary residence and reinvest in another primary
​​​​​​​residence within a maximum of two years.
The main taxes are: Municipal Capital Gains Tax and Personal Income Tax 
(IRPF) on capital gains. The amount will depend on the profit obtained and
each individual case. There are exemptions from IRPF, so the law allows you
not to pay this tax if the property is your primary residence and you are over 65
years old, or if you sell your primary residence and reinvest in another primary
​​​​​​​residence within a maximum of two years.

What taxes are paid when selling a home?
What taxes are paid when selling a home?
What taxes are paid when selling a home?

If you make a capital gain on the sale of a home, 
the current income tax rates are: up to €6,000, 
19%. From €6,000 to €50,000, 21%. 
From €50,000 to €200,000, 23%. From 
€200,000 to €300,000, 27%.Over €300,000, 
​​​​​​​30%.
If you make a capital gain on the sale of a home, the current income tax 
rates are: up to €6,000, 19%. From €6,000 to €50,000, 21%.
From €50,000 to €200,000, 23%. From €200,000 to €300,000, 27%.
​​​​​​​Over €300,000, 30%.

What percentage is paid in income tax?
What percentage is paid in income tax?
What percentage is paid in income tax?

What happens if my home has a mortgage?
What happens if my home has a mortgage?

The sale can still be completed. The outstanding 
debt is usually paid off with part of the sale 
proceeds, and the remainder is given to the
​​​​​​​owner.
The sale can still be completed. The outstanding debt is usually paid off 
​​​​​​​with part of the sale proceeds, and the remainder is given to the owner.

TO BUY

The entire process can take anywhere from a few 
weeks to several months depending on funding 
​​​​​​​and documentation.
The entire process can take anywhere from a few weeks to several 
​​​​​​​months depending on funding and documentation.
The entire process can take anywhere from a few weeks to several 
​​​​​​​months depending on funding and documentation.
The entire process can take anywhere from a few weeks to several 
​​​​​​​months depending on funding and documentation.

How long does the purchase process take?

Yes. Foreign buyers can purchase properties in 
Spain by first obtaining ​​​​​​​an NIE
(Foreigner Identification Number) and a bank
​​​​​​​account in Spain.
Yes. Foreign buyers can purchase properties in Spain by first obtaining 
​​​​​​​an NIE (Foreigner Identification Number) and a bank account in Spain.
Yes. Foreign buyers can purchase properties in Spain by first obtaining 
​​​​​​​an NIE (Foreigner Identification Number) and a bank account in Spain.
Yes. Foreign buyers can purchase properties in Spain by first obtaining 
​​​​​​​an NIE (Foreigner Identification Number) and a bank account in Spain.

Can I buy a home in Spain if I'm a foreigner?

Catalonia applies a progressive tax rate based on the 
property value: Up to €600,000, 10%. From €600,000
to €900,000, 11%. From €900,000 to €1,500,000,
12%. Over €1,500,000, 13%.There is a reduced rate
of 5% for young people up to 35 years old, large ​​​​​​​families, single-parent families, and people with
disabilities.If you are a large property owner, the
​​​​​​​Property Transfer Tax (ITP) will be 20%.
Catalonia applies a progressive tax rate based on the property value: Up to 
€600,000, 10%. From €600,000 to €900,000, 11%. From €900,000 to
€1,500,000, 12%. Over €1,500,000, 13%. There is a reduced rate of 5% for young people up to 35 years old, large
​​​​​​​families, single-parent families, and people with disabilities. If you are a large property owner, the Property Transfer Tax (ITP) will be 20%.
Catalonia applies a progressive tax rate based on the property value: Up to 
€600,000, 10%. From €600,000 to €900,000, 11%. From €900,000 to
€1,500,000, 12%. Over €1,500,000, 13%. There is a reduced rate of 5% for young people up to 35 years old, large
​​​​​​​families, single-parent families, and people with disabilities. If you are a large property owner, the Property Transfer Tax (ITP) will be 20%.
Catalonia applies a progressive tax rate based on the property value: Up to 
€600,000, 10%. From €600,000 to €900,000, 11%. From €900,000 to
€1,500,000, 12%. Over €1,500,000, 13%. There is a reduced rate of 5% for young people up to 35 years old, large
​​​​​​​families, single-parent families, and people with disabilities. If you are a large property owner, the Property Transfer Tax (ITP) will be 20%.

What percentage of ITP is paid in Catalonia?
What percentage of ITP is paid in Catalonia?
What percentage of ITP is paid in Catalonia?

Frequently asked questions

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The most common expenses are: Property 
Transfer Tax (second hand) or VAT
(new construction), notary fees, property
registration and administrative fees.
The most common expenses are: Property Transfer Tax (second hand) 
or VAT (new construction), notary fees, property registration and
​​​​​​​administrative fees.

What are the costs involved in buying a home?

How much money do I need to buy an apartment?
How much money do I need to buy an apartment?
How much money do I need to buy an apartment?

It is usually recommended to have between 20% 
and 30% of the property price available to cover 
the down payment and associated expenses.
It is usually recommended to have between 20% and 30% of the 
property price available to cover the down payment and associated
​​​​​​​expenses.

How can you tell if a property has encumbrances?
How can you tell if a property has encumbrances?
How can you tell if a property has encumbrances?

Requesting a Nota Simple from the Property 
​​​​​​​Registry.
Requesting a Nota Simple from the Property Registry.

OTHERS

We are a family business with over 25 years of 
experience in the real estate sector. We offer a more
personal and attentive service. We are committed to every transaction as if it were our own, paying
attention to every detail and supporting our clients
​​​​​​​throughout the entire process.
We are a family business with over 25 years of experience in the real estate 
sector. We offer a more personal and attentive service. We are committed to
every transaction as if it were our own, paying attention to every detail and
​​​​​​​supporting our clients throughout the entire process.

Why should you choose Munor Gestió Immobiliària?

Frequently asked questions

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Yes, we offer completely free valuations. After an 
on-site visit to the property, we analyze factors such
as location, size, condition, property features, and market prices of similar properties to provide an
estimate of its current market value.
Yes, we offer completely free valuations. After an on-site visit to the property, 
we analyze factors such as location, size, condition, property features, and
market prices of similar properties to provide an estimate of its current market
​​​​​​​value.
Yes, we offer completely free valuations. After an on-site visit to the property, 
we analyze factors such as location, size, condition, property features, and
market prices of similar properties to provide an estimate of its current market
​​​​​​​value.
Yes, we offer completely free valuations. After an on-site visit to the property, 
we analyze factors such as location, size, condition, property features, and
market prices of similar properties to provide an estimate of its current market
​​​​​​​value.

Do you carry out property valuations?

Do you manage the entire sales process?

Yes, we handle the entire sales process. From 
promotion and viewings to negotiation, document
​​​​​​​preparation, and accompanying you to the ​​​​​​​notary.
Yes, we handle the entire sales process. From promotion and viewings 
to negotiation, document preparation, and accompanying you to the
​​​​​​​notary.
Yes, we handle the entire sales process. From promotion and viewings 
to negotiation, document preparation, and accompanying you to the
​​​​​​​notary.
Yes, we handle the entire sales process. From promotion and viewings 
to negotiation, document preparation, and accompanying you to the
​​​​​​​notary.

Do you manage long-term rentals?

 

Yes. We take care of the entire process, from promoting the property and selecting tenants to formalizing the contract and subsequent administrative management.

 

Yes. We take care of the entire process, from promoting the property and selecting tenants to formalizing the contract and subsequent administrative management.

 

Yes. We take care of the entire process, from promoting the property and selecting tenants to formalizing the contract and subsequent administrative management.

info@finquesmunor.com

93.010.41.37

93.010.41.37

C/ Francesc Gumà, 2 (Sitges)

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