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Your Portfolio (27)

New Build Property for sale in Almeria

 

Property Tax

Firstly on new build properties for sale in the tax payable is different to a re-sale. For a new build property the IVA (VAT) is 10% which is payable instead of the property transfer tax which is charged when you buy a re-sale property and is currently 8% and for properties over 400.000€ 9%. There is also a first registration stamp duty tax when the property is bought from a builder / developer which is currently at 1.5% of the selling price.

 

Purchasing a New Build Property

When you find the right property for sale in Almeria and before you purchase a new property in Almeria or in Spain generally there are many considerations to take into account. Quite often a new build property seems to be a bargain when compared with a re-sale, but as any new owner will tell you there are quite a few items not supplied by the developer that are necessary, for example; light fittings.

Very often in the past the kitchen would not be supplied either but thankfully this is now not the norm due to fierce competition between developers wishing to attract an ever smaller pool of potential buyers looking to buy a property for sale in Almeria. In todays current market in most new build cases you will find that the builder will have a mortgage on the property for sale which can usually be transferred and which sometimes works out as a better mortgage deal than going direct yourself to the bank.  Should you require a mortgage for the purchase of a property for sale in Almeria this is worth considering.

 

Dealing with Developers & Banks

We only collaborate with developers who have a proven track record in  product quality and after sale service. The developers and banks we deal with are very specific about the property packages they offer. However it is wise to ask if something is not mentioned on their specifications so it can be included in the final negotiations before any contract signing or monies deposited on a new property.

 

Spanish Properties Bought Off Plan

In Almeria there are many opportunities to buy a Spanish villa or apartment for sale before they have been constructed, therefore it is a good idea to inform yourself fully on these deals as procedures do vary from builder to builder. For example it is usual practice to secure a property for sale in Almeria off plan with a deposit of between 10 to 40 % depending on the builder and in some cases paying in stages up to 80% before the completion of the property, the final payment being made when you sign at the notary office the Escritura and the deeds transferred into your name.

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SPI | Indalo Casas
Avenida de la Luz, Nº16,
Mojácar 04638,
Almería

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