FAQ
Frequently Asked Questions
Honest answers to the questions we hear most from people planning their move to Spain. Can't find what you're looking for? Just ask us.
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Getting Started
The very first step is usually getting your NIE number (Número de Identificación de Extranjero). It's required for virtually everything. Opening a bank account, buying property, signing contracts, and registering with the tax office. We recommend starting this process before you even arrive in Spain.
Not with Solmara by your side. Our bilingual team handles all communication with Spanish authorities, banks, notaries, and service providers on your behalf. That said, learning some basics will definitely enrich your experience living here.
It varies depending on your situation. Getting a NIE can take 1 to 3 weeks, property purchases typically 2 to 3 months, and residency applications 1 to 6 months depending on the type. We'll give you a realistic timeline during your free consultation.
Property
Yes, absolutely. There are no restrictions on foreigners buying property in Spain. You will need a NIE number and a Spanish bank account, both of which we can help you set up.
For resale properties, you pay ITP (Transfer Tax) which ranges from 6 to 10% depending on the region. For new builds, you pay 10% IVA (VAT) plus 1.5% AJD (stamp duty). Additionally, there are notary fees, registry fees, and legal fees. We'll give you a full cost breakdown before you commit.
Yes. Spanish banks offer mortgages to non-residents, typically up to 60 to 70% of the property value. We work with multiple banks to find you the best rates and handle the entire application process.
Residency & Immigration
The NIE is simply your foreigner identification number. Everyone needs one. The CUE (Certificado de Registro) is for EU citizens registering their right to live in Spain. The TIE (Tarjeta de Identidad de Extranjero) is the physical residence card for non-EU citizens.
If you're working and paying into the Social Security system, you can register for the SIP card. This gives you access to Spain's excellent public healthcare. Retirees from EU countries can often use the S1 form. We'll assess your specific situation and guide you to the right option.
It depends on your residency type. Many non-EU visa applications require proof of private health insurance. EU citizens may not need it for residency, but it's often recommended for faster access to healthcare. We can help you find the right policy.
Legal & Financial
You'll need your passport, NIE number, and proof of address (or a non-resident declaration). Some banks are more expat-friendly than others. We accompany you to the appointment and handle any language barriers.
Yes, but you need a tourist rental license. Regulations vary by region, and operating without one can result in significant fines. We handle the entire license application process for you.
We offer a free initial consultation. After that, our fees depend on which services you need. We're always transparent about costs. You'll receive a clear quote before we start any work. No hidden fees, no surprises.
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