Even if you only have a 10% deposit, we will show you how to get a 100% mortgage from a Spanish bank
We know how to buy property in Barcelona with almost no upfront investment
%20(1)%20(1).png)
Buy Property in Barcelona
New Developments
Modern apartments in new residential complexes with high-quality finishes, parking, and infrastructure in Barcelona and its suburbs.
Resale Properties
Flats and apartments in existing buildings in the center of Barcelona and by the sea. Ready to move in or rent out.
Buying a New Build vs. Resale Property — What to Choose?
Tax obligations, advantages, and disadvantages
Taxes on Purchases
(VAT vs. ITP)
When purchasing a new home directly from a developer, you pay VAT (IVA) at a fixed rate of 10%. When purchasing a resale home, you pay the property transfer tax (ITP). In Catalonia, the standard ITP rate is 10%, but for buyers under 32 years of age with a certain income level, it can be reduced to 5%.
Resale Restrictions
Some properties in Spain may have resale restrictions, especially if they were purchased through subsidized programs.
Legal Risks
The main risk with new construction is the developer’s bankruptcy before the property is handed over (we verify that bank guarantees are in place for your payments). The main risk with resale properties is hidden debts from previous owners, unpaid community fees, and the lack of an ITE certificate for older buildings.
What We Offer
We find properties tailored to your goals: new developments, resale properties, investment apartments, and coastal homes.
Buy an Apartment or House in Barcelona — Best Offers of 2026
We help you choose a property, secure a mortgage, and make a profitable investment in Catalan real estate.
Mortgage Processing
We will find the best mortgage terms, help you gather the necessary documents, and provide full support.
Transaction Support
Legal support for buying and selling property in Spain: property background checks, contract drafting, and closing.
Lawyer Consultation
Professional legal consultations on real estate, taxation, and residence permits.
Obtaining Building Permits
We handle all the permits required for construction or renovation: licenses, projects, and approvals from authorities.
Buying an apartment or a house in Barcelona is a major investment. The local real estate market is dynamic, but it hides many legal "pitfalls": from Catalonia’s complex urban planning regulations to hidden debts and issues with tourist licenses.
At VissumLex, we do more than just help you find a property. Our main goal is to guarantee that your transaction is 100% legally sound and secure. We stand by your side, protecting your interests against sellers, real estate agencies, and banks.
Buying Real Estate Safely in Barcelona with VissumLex Attorneys
Полный Due Diligence (Юридический аудит) объекта
Before you sign the deposit agreement (Contrato de Arras) and transfer the funds, our attorneys conduct a thorough review
Analysis of the Nota Simple
We verify that there are no mortgage liens, court-ordered liens, or tax debts.
Checking for Outstanding Balances
We request certificates confirming that there are no outstanding municipal property tax (IBI) or homeowners' association (Comunidad) dues.
Urban Planning Status
We verify that there is a valid certificate of occupancy (Cédula de habitabilidad), an energy certificate, and that all additions are legally compliant (this is particularly important for single-family homes and duplexes).
Even if you are outside of Spain, we can handle the transaction through a notarized power of attorney. We will obtain a Foreigner Identification Number (NIE) for you, open a Spanish bank account with proof of the source of funds, assist you with signing the deed (Escritura Pública) at the notary’s office, and register your rights in the Property Registry.
Turnkey Transaction Support for Non-Residents
Frequently Asked Questions About Buying Real Estate
in Spain
Why should I hire a lawyer if the notary is going to review the transaction anyway?
In Spain, a notary acts as an independent guarantor of the legality of the transaction itself at the time it is signed. However, the notary is not required to check for zoning violations, negotiate with the seller, draft a deposit agreement (Arras) that is favorable to you, or verify any outstanding utility bills. Protecting your financial interests prior to the transaction is the responsibility of your personal attorney.
Can I buy real estate in Spain without a residence permit?
Yes, foreign nationals can freely purchase real estate in Spain without a residence permit. To complete the transaction, you’ll only need a valid passport, a Foreigner Identification Number (NIE), and a Spanish bank account. We can help you obtain all these documents.
What taxes do you have to pay when buying a home in Catalonia?
When purchasing a new-construction property, you pay 10% VAT (IVA). When purchasing a resale property, you pay the property transfer tax (ITP). In Catalonia, the standard ITP rate is 10% (or 11% for properties costing more than 1 million euros). Buyers under the age of 32 are eligible for a reduced rate of 5%, provided their income does not exceed the established limit.
What is an ICO, and who can participate in one?
This is a government-backed guarantee program that helps cover up to 20% of a mortgage down payment. It is available to young people under 35 and families with minor children who are buying their first home in Spain and meet certain income criteria.
What is a Contrato de Arras, and why is it risky?
This is a deposit agreement signed prior to the main transaction. Typically, the buyer pays 10% of the property’s value. If you (the buyer) back out of the deal, you will lose this money. If the seller backs out, they are required to return double the amount of the deposit to you. We carefully review this agreement to ensure it includes protective clauses (such as a refund if the bank denies the mortgage).
Does buying real estate entitle you to a residence permit?
Yes. If you invest at least 500,000 euros in Spanish real estate (using your own funds, excluding a mortgage), you and your family are eligible for a “Golden Visa” (Investor Residence Permit). This status grants you the right to live and work in Spain. If the purchase amount is lower, you can apply for a residence permit without the right to work (No Lucrativa) by demonstrating sufficient passive income.