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Howto buy

ahomein Spain

Consumer safetyin purchasing property

S T E P B Y S T E P

Folleto Comprar un piso (Ingl.) 23/2/04 09:40 Página 23

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CONTENTS

1 Finding the right home. |P.2|

2 Signingthe agreement. |P.10|

3 Paying taxes. |P.14|

4 Registering your home at the Property Registry. |P.16|

5 Settling the costs of buyinga home. |P.18|

Howto buy

ahomein SpainConsumer safetyin purchasing property


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1Finding the right home

The hardest part of buyinga home is probablychoosing the right home foryou. Take your time whenlooking around, so you can

COMPARE the differentpossibilities the markethas to offer.EXAMINE the physicalfeatures of the propertyin detail.ASCERTAIN theproperty’s legalsituation.

You can look for a homeyourself or find anESTATE AGENT to dothe looking for you. If yougo to an estate agency,they will provide you withdifferent possibilities tochoose from. In thiscase, remember:

The estate agent is amiddleman between theseller and the buyer, andwhat he or she does isput buyer and seller incontact with each otherso that they can decide if

they want to make adeal. So you must bearin mind that the personselling you the home isnot the estate agency,but the homeowner orpromoter.

The agency is generallyengaged by the seller, soit is the seller who mustpay the agency its fees.

The estate agency mayprovide managementservices as well, so itmay offer you amortgage financing plan,suggest having aparticular notary makeout the deed or offer tohandle the tax paperworkand submit the deed foryou at the PropertyRegistry. You as thebuyer are not obliged touse these services. Youmay say no to them.

AT ALL EVENTS, beforeyou sign any agreementsor pay any money, makesure you do these things:

To choose the right home for you,you have to COMPARE the possi-bilities there are on the market,

EXAMINE the property’s physicalfeatures and ASCERTAIN the pro-

perty’s legal situation.


Examine theproperty’sphysicalfeatures To do this, you must visitthe home for yourself, lookit over, see if it lives up toits claims in terms of thequality of its materials, thecondition of its installedequipment, its generalupkeep, the amount oflight it gets, the views, theneighbourhood, the noiselevel, access to transport,and so on. If anythingseems wrong, do nothesitate to let the seller orthe agent who is showingyou around know. If theirexplanations do notsatisfy you, have aprofessional, such as anarchitect or a quantitysurveyor, go with you.

When the first informationyou can get on the homecomes from brochures, besure to bear these facts inmind:

You can require the sellerto provide the services,installed equipment andpayment terms listed inthe offer, promotion andadvertising for the home,even if they are notspecified in theagreement you signafterwards.

All companies in thebusiness of offering,promoting andadvertising homes mustkeep the followinginformation available tothe public:

The seller’s name,company name,address andparticulars ofregistration at theMercantile Registry (ifregistered).General plans showingwhere the home is andplans of the homeitself, plus a descriptionand schematics of thepower, water, gas andheating systems andtheir warrantee, plus

any fire safetymeasures the buildinghas.A description of thehome, including its floorspace, and a generaldescription of thebuilding it is located in,common areas andaccessory services.A reference to thematerials used to buildthe home, includingsound and heatinsulation, and thematerials used in thebuilding, commonareas and accessoryservices.

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Instructions on how touse and maintain anyinstalled equipmentthat requires care orspecial knowledge, andinstructions onevacuating the buildingin case of emergency.The particulars of theproperty’s entry in theProperty Registry, or astatement that theproperty has not beenentered.Total price of the homeand accessoryservices, and paymentterms.

Examine thelegal situationof the homeJust visiting is not enoughto tell you all you need toknow about the home youare thinking of buying. Youalso have to find out aboutits legal situation, that is,ASCERTAIN:

Who it belongs to, andtherefore who its owneror owners are.If there are any liens orburdens, such asmortgages or injunctionsaffecting the property.If there are lessees ortenants.If the home is part ofsome specialprogramme, like low-income housing

(viviendas de protecciónoficial).In cases where the homeis a flat and membershipin the building tenants’association is mandatory,whether all associationdues have been paid.If the owner owes anyproperty tax (impuestosobre bienes inmuebles,formerly calledcontribución urbana).In cases where the homeis new or is still underconstruction, whether thepromoter has insurancecovering damage causedby structural defects inthe building.In cases of low-incomehousing or price-controlled housing(vivienda de preciotasado), whether it isprohibited to sell thehome or whether thepublic administrationholds the right to buy thehome back from its ownerat the original price.

To find these things out, goto the PROPERTYREGISTRY (REGISTRO DELA PROPIEDAD) where thehome is registered. You canapply for the informationyourself or have the seller,estate agency or anadministrative agent do itfor you. At all events, getthe information from theregistry before you handover any money or sign

any agreements. Here ishow to apply for information:

You can ask any PropertyRegistry in Spain, and youcan apply for information

In personBy faxBy postBy e-mail

You can also apply forinformation at theAssociation of Registrars’web site,www.registradores.org,right from your home,and the information willbe sent to you by e-mail.Just charge the fees toyour credit card. You wil be

charged 9 € for this service. At the Association of Registrars’ Consumer Service (call toll-free 900 10 11 41), at the www.registradores.org web site or at this e-mail

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address: [email protected], youcan get information aboutthe registries in whoseterritory the differentstreets of cities andtowns lie, the address,phone and fax numbers ofregistry offices, their e-mail addresses andgenerally any other matterrelated with registries andregistration.

You can get registryinformation in the form of:

An uncertified note,which will give adescription of the home,its situation, its area, anyproperty appertaining toit, its share of buildingownership, any specialadministrativeprogrammes it belongs to(such as the low-incomehousing programme),

mortgages, including themortgage liability forprincipal, interests andcosts, the mortgage’sterm, any injunctions,easements or possiblelawsuits involving theproperty, any tax-relatedencumbrances, andgenerally anycircumstances involvingthe home’s ownership.The note may also includeany other information youexpressly ask for. Thisnote is for yourinformation only andcannot be used in legalproceedings as proof ofthe non-existence ofburdens and liens.

Certificate ofownership andburdens, which containsmore information than anuncertified note, becauseif you prove your interest

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One way to get information from the Property Re-gistry is to ask for an uncertified note, which tellsyou just the most essential points of the property’sdescription, ownership and burdens.

To really get to know the homeyou want to purchase, visiting it isnot enough. You also need toknow its legal situation and findout, among other things, who itbelongs to, what liens are on it,whether it is part of any specialprogrammes, whether anytenants’ association dues orproperty taxes are owed on it, andwhether it is forbidden to sell it.


as a potential buyer, youcan ask for it to include aword-for-wordreproduction of entries,or information on thenon-current history of theproperty. Since this is apublic document signedby a registrar, acertificate can be used incourt and third-partyproceedings to prove theabsence or presence ofliens on a given piece ofproperty.

You can also ask theregistrar for a written

report on the property’sregistered situation.

Or ask the registrar fororal advice. He or she isobliged to report orally onissues concerning theregistered situation ofproperty. This advice isalways free of charge, andthe registrar must spendat least two hours a dayon this kind of work.

At all events, bear in mindthat legislation on theprotection of personalinformation may limit whatregistration information canbe given to you.

In addition to checking upon the facts at the PropertyRegistry, you must alwayshave the seller providecertain complementarydocumentation:

An authorised copy of the

seller’s deed ofpurchase, if you arelooking to buy a second-hand home.A tax receipt proving thatthe seller has paid thelatest property tax.A certificate from thepresident or secretary ofthe building tenants’association, attestingthat the home you wantto buy does not owe theassociation any dues.A formal statement, in adeed, declaring that thereare no leases on thehome you want to buy.

Buying a homein theplanning stageIt is trickier to examine thephysical and legal situationof the home you want to buyif the home only exists onpaper, in other words, if thehome is question has notbeen built yet. In thatcase, the only descriptionyou can get will be from theplans the promoter willshow you, and the home willonly exist if the promoterfulfils its obligation to buildaccording to the plans thatformed the basis for youragreement.

IF YOU ARE BUYING AHOME THAT IS STILL INTHE PLANNING STAGE,

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You can ask the registrar for a written report on theregistered situation of the property or oral advice on issuesconcerning the registered situation of the property.


do not sign anyagreements or hand overany money until you havechecked all thesethings:

Be sure the promoter youare signing theagreement with existsand the person who isgoing to sign on thepromoter’s behalf has thelegal power to do so. Forthis information, checkthe MercantileRegistry, where thecompany ought to beregistered. You can go toany Mercantile Registryoffice or use thewww.registradores.orgweb site to getinformation about thecompany’s registration,officers, attorneys-in-factand bylaws. You can dothis from your own homeand get the informationon line immediately overthe Internet, charging thefees to your credit card. Acheck like this, which isalways a good idea, isabsolutely vital if you arebuying a home that hasnot been built yet.

Be sure the land they aregoing to build on isregistered to thepromoter company youare doing business with.That way you know it isthe owner. To do this,check the Property

Registry as explainedabove.

Be sure the plannedbuilding has beenauthorised by the citygovernment through thecorrect licensingprocedure. You cancheck this at theProperty Registry,because if thedescription of the futurebuilding is registered,that means the registrarhas seen evidence thatthe license exists andwork has begun inaccordance with theapproved design. If thebuilding’s descriptionhas not been registeredyet, go to City Hall to findout whether the land inquestion can be built on.

If you are required to signa private agreement andpay a sum on accountbefore the building isconstructed, bear thesethings in mind:

If the agreementcontains any abusiveclauses, those clauseswill be held not to exist,even if you have signedthem, and they will beconsidered null. Theseinclude clauses allowingthe promoter to changethe design after signingand without yourconsent, clauses saying

you have waived yourright to choose a notary,and clauses obliging youto sign into a mortgageloan the promoter hastaken or obliging you tosign up for accessoryservices.

If you give the promoterany money, you candemand proof that themoney has beendeposited in a specialaccount that can only bedrawn on for theconstruction project,

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If the home you want to buy hasnot been built yet, the only des-cription you can gain access towill be the plans the promotershows you, because the homewill only exist if the promotercomplies with its obligation tobuild in accordance with theterms of the plans that formedthe basis on which your agree-ment was concluded.


plus proof that there isan insurance policy orbond ensuring that youwill get your money backplus six percent if thebuilding is neverconstructed or delivery isdelayed.

Once construction hasfinished, before you signthe deed of purchase,demand proof from theseller that theconstruction has beenfinished in accordancewith the description givenin the plans, and thatthere is an insurancepolicy covering alldamages to you (the

buyer) as a result ofdefective construction.You can check this at theProperty Registry; if thereis an entry stating thatconstruction has ended,that means the registrarhas seen proof of theexistence of a certificateof works conclusionpursuant to the approveddesign and an insurancepolicy. Therefore, beforeyou sign the deed,make sure that theProperty Registry hasan entry stating thatthe construction workhas been concluded.

How canyou findmortgagefinancing?Nowadays buying a homealmost always meanstaking on a mortgage to

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Howto buy

ahome

Once construction has finished,before you sign the deed of

purchase, have the seller give youproof that work has been

concluded in accordance with thedescription given in the plans.

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When looking for a mortgage,remember that the bank youapply to will require you to havethe home registered in your namebefore they will give you a loan.


finance the purchase. Thelending institution pays theseller, and the buyer hasto return the money to thebank along with a certaininterest. The bank makessure the loan will be paidback by placing amortgage on the home,which enables the bank tohave your home sold off ifyou do not repay the loanpromptly, so the bank cancover the debt with theprice the home fetches.

When looking for amortgage to finance thepurchase of your home,take these things intoaccount:

The bank you apply tofor the loan will firstrequire you to have thehome registered to yourname. Generally thepurchase agreementand the delivery of theloan (with the creation of

the mortgage) happen atthe same time, so whenthe seller and the buyergo to the notary to maketheir deed of sale, thebank representativegoes too, to turn themoney over to the sellerwhen the deed is made.

Mortgage loanagreements are notusually negotiable, andthey include generalconditions, some ofwhich may be abusive.Bear in mind the termsof consumer and userprotection legislation onthis subject.

It may so happen thatthe home you are goingto buy already carries amortgage, made by theseller to finance his orher own purchase or, ifthe home is a new one,made by the promoter tofinance construction. Inthese cases it isimportant for you toknow that you are notobliged to take theseller’s place in (besubrogated to) theoriginal mortgageloan. You may demandto have the sellercancel his or hermortgage, while youget a mortgage loanfrom another financialinstitution that offersyou better terms.

If you are going to besubrogated to the loanthe seller or promotertook, take these thingsinto account:

You must demand acertificate from theseller, issued by thelending bank, showinghow much of the loanremains outstanding.You can ask the bankthat holds the selleror promoter’smortgage for a betterinterest rate andbetter terms. If theyrefuse, you can lookinto having anotherbank pay off the oldmortgage and becomeyour creditor undernew, moreadvantageous terms.This sort oftransaction ispractically free ofcharge, because it istax-free and thenotarial andregistration fees andthe commissions thebank can charge fordoing it are very low,by law.

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When you sign thepurchase agreement, youand the other party aregiving your formal consentto the deal. The sellerhands over the keys to thehome, and the buyer (or thebank that is financing thetransaction with a mortgageloan) hands over the money.So, this is the point of noreturn. That is why it is bestto observe all theformalities you can, andbear in mind that:

The agreement can beconcluded in a privatedocument, without anotary, just between theseller and the buyer. Youcan only do this when thesale is not being financedwith a mortgage loan,because a mortgage loanwill always require anotarial deed andregistration in theProperty Registry. That iswhy housing purchasesare generally formalisedin a notarial deed.Nevertheless, when

buying an as-yet unbuilthome, private contractsare generally used toformalise the delivery ofsums paid on accountand the obligation to buildand deliver the home.

It is important for you toknow that when a privatedocument has been made,either of the parties candemand to have thedocument notarised. If theother party refuses, thefirst party can call for thecourts to step in.Remember that if you wantto register your purchasein the Property Registry,you will always have tohave a notarial deed.

The general rule is thathousing purchaseagreements areconcluded in a notarialdeed, which is a publicdocument authorised by anotary, who writes downthe wishes of the parties,judges their identity andlegal capacity, draws up

2Signingthe agreement

When the purchase agree-ment is signed, it generally

means one party hands overthe home and the other pays

the price of the home.


the document accordingto the parties’instructions or writtendraft, making sure it fitsthe legal requisites, andcautions the partiesabout the obligationseach must discharge as aresult of making theagreement.

Having the notary do thiswill give the document’scontents authenticity,which means thatwhatever the buyer, theseller and lending bank (ifany) declare to the notarywill be set down in thedeed, and the deed willserve as proof to all ofthe fact of the sale andthe date of the sale, andneither of the parties candeny to the other that heor she made thestatements recorded inthe deed.

Notarisation of the deedis tantamount to deliveryof the home, andgenerally the price is

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It is important for you to know that, whenyou sign a private document, either of theparties can demand to have the documentnotarised. If the other party refuses, the firstparty can ask the courts to step in.


Howto buy

ahome

handed over to the sellerin the notary’s presence.That is why, beforeauthorising the deed, thenotary will ask theproperty registrar for anuncertified note attestingto the ownership of andburdens on the property,and immediately after thedeed is signed, if theparties so request, thenotary will forward amessage to the PropertyRegistry stating that thedeed has been

authorised, thuspreventing -now that theagreement has beenconcluded- the buyer frombeing affected by anyinjunctions orburdens aimed at theseller that reach theRegistry before the deedof sale does.

It is important for you toknow that the choice ofthe notary is supposedto be made by theperson who is going to

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No matter what kind of agreementwas made, the seller isresponsible for any hidden orlatent defects in the home, even ifthe seller did not know aboutthem. If there are any suchdefects, the buyer can choosebetween abandoning theagreement or getting aproportional discount off the price.


pay the notary’s fees. Ifthe seller is a businessowner and theagreement is concludedin the form of a standardcontract (as when you buyfrom a promoter or youarrange for a mortgageloan), the buyer gets tochoose the notary.

Lastly, we must point outthat no matter whetherthe agreement is privateor public (notarised), theseller is responsible forall hidden or latentdefects in the home, evenif he or she is not awareof them. If any suchdefects exist, you as thebuyer can opt out of theagreement and receivepayment for yourexpenses, or you can geta proportional discountoff the price, set by anexpert. In addition, thepromoter, the builder andthe chief engineer for thebuilding are severallyliable to buyers and

purchasing third partiesfor damage caused bystructural defects inconstruction (liability goodfor ten years), damagestemming from defectsthat affect theinhabitability of thebuilding (liability good forthree years), and damagecaused by defects infinishing work (liabilitygood for one year).They are also obliged totake the proper insurancepolicies.

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Before authorising the deed, the notary will ask the property registrar foran uncertified note attesting to the ownership of and burdens on theproperty. Immediately after the deed is signed, if the parties so request,the notary will forward a message to the Registry stating that the deedhas been authorised, thus preventing -now that the agreement has beenconcluded- the buyer from being affected by any injunctions or burdensaimed at the seller that reach the Registry before the deed of sale does.


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Before you buy, it isimportant to bear in mindthat any purchaseagreement you make willinvolve taxes, so it is a goodidea to find out ahead oftime how much you will haveto pay. The price appearingin the purchase agreementwill be the base on whichtaxes are calculated,although if the price is lowerthan the property’s realvalue, the tax authorities willmake out a complementaryassessment to cover thedifference.

The taxes you have to paywill depend on whether youare buying a new homestraight from the promoteror a second-hand home.

BUYING A NEW HOME: Asa buyer, you must pay valueadded tax (VAT) to theseller, and if the home is inthe Canary Islands, youmust pay the indirect tax forthe Canary Islands. This taxyou pay to the seller,together with the price of

the home. As the buyer, youalso have to pay stamp dutyto your autonomouscommunity (region), whichis between 0.3 (only for special legally protected cases) and 2% ofthe selling price appearingin the deed. To pay this tax,you have to fill out anofficial self-assessmentform and deposit the taxinto the Exchequer’saccount at a participatingfinancial institution.

BUYING A SECOND-HANDHOME: When you arebuying a second-hand homefrom its owner, you do notpay value added tax (VAT),but you do pay transfer taxto the autonomouscommunity where the homeis located; just fill out theofficial self-assessmentform and deposit the taxinto the Exchequer’saccount at a participatingfinancial institution.Amount: This will be apercentage of the price, setby the autonomouscommunity, and will rangebetween 6 and 7%.

3taxesPaying

The taxes you have topay will depend on whether

you are buying your firsthome straight from the

promoter or buying asecond–hand home.


THE MORTGAGE LOANDEED, will be subject tostamp duties, which willrange between 0.5 and 1%(depending on theautonomous community inquestion) of the totalamount of the mortgageliability, that is, not thesum actually loaned toyou, but the sum securedfor the return of theprincipal, interest andforeclosure costs. Deedsof novation, subrogationand cancellation ofmortgage loans areexempt from taxes.

Lastly, bear in mind that ifyou buy low-incomehousing (viviendas deprotección oficial, or VPO),the tax rates will generallybe lower.

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Handling thepayment of taxes(meaning pickingup the self-assessment forms,calculating thepayment due,depositing the sumat the properinstitution andturning in the formwith thecompletedpayment receipt atthe tax office) canbe done by thebuyer, an agent, orthe notarial officewhere the deedwas executed (ifthe notary offersthese services aswell). The buyer isthe one whochooses thesystem. As abuyer, you ought toknow:

The place wherethe self-assessmentform for transfer

tax (in the caseof a second-hand home) orstamp duties (inthe case of anew home) hasto be turned inis as follows:

If the home islocated in aprovincialcapital, turn theform in at thetax bureau(delegación deHacienda) forthe autonomouscommunity inquestion.

If the home islocated in a townthat is not aprovincialcapital, turn theform in at thedistrictsettlement office(oficinaliquidadora dedistrito), whichshares quarters

with the PropertyRegistry.

Transfer tax andstamp dutymust be paidwithin 30 working days of the datewhen the deed isexecuted. Anydelays will meansurcharges.

You have to paythese taxesbefore you canhave your rightto the homeregistered in thePropertyRegistry.

Who handles the payment of taxes?


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Once you have signedthe purchase agreementand the mortgage loanagreement and paid yourtaxes, you still have onelast step left, which is toregister the right you havejust acquired in theProperty Registry. You needto do this so that:

You as the buyer willhave full protection forthe right you have justacquired, because only ifyou register your rightwill you:

Be considered the onetrue owner of theproperty, until andunless a court rulesotherwise.Be protected from theseller’s creditors.Be protected fromhidden burdens thatmight affect yourhome.Get judicial protectionfor your right in caseothers challenge it ordisturb yourpossession.

Once your haveregistered your right,nobody can acquireany effective rightswhatsoever to yourhome without yourconsent.

You can get a mortgageloan to finance yourpurchase with. Only ifyou register your rightcan the bank register themortgage that securesthe loan.

In addition, once youhave registered yourright, the PropertyRegistry will notify theCadastre of theproperty’s change ofownership, so that thenext property tax noticewill be made out to you.

For all these reasons it isessential, as we havealready explained, foryou to buy only from theperson who is listed inthe Property Registry asthe owner of the home or

4Registering your property

at the Property Registry

You have to register yourproperty at the Property

Registry before your right toyour newly purchased home

can earn full protection and youcan get a mortgage loan.


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the lot your home isgoing to be built on. Thatway you can find out ifthere are anyinjunctions, mortgagesor other burdens in theproperty’s registeredhistory. And after youhave signed the deed, itis equally essential foryou to register your rightwith the PropertyRegistry.

In order forownershiprights to beentered in thePropertyRegistry, thefollowingpapers must besubmitted tothe registryoffice in whoseterritory thehome lies:

Anauthorisedcopy of thenotarial deedof sale.The self-assessmentform for theapplicabletype of tax,showing thatthe self-assessedsum has beendeposited.The latestproperty taxreceipt, sothe Registrycan recordyour home’scadastrereferencenumber.

These docu-ments may besubmitted

Directly byyou, thebuyer.By anadministrative agentacting onyour behalf.By thenotary’soffice, if itrenders thissort ofservices.

At all events,you should knowthat once thedocument hasbeen submittedto the PropertyRegistry, theregistrationentry must bemade within thenext fifteenworking days.The registrarwill check thatthe agreementmeets all therequirementsset by law forfull efficacy andthat the buyer’sownership rightcan beregistered. Ifthe registrarbelieves thedocument has

any defects thatprevent it frombeing registered(defects of form,parties who donot have thelegal capacity toact as parties,terms that donot match theterms in theregistry, etc.),the registrarmust give noticeto the personwho submittedthe document.This person maycorrect thedefects or, if heor she does notagree with theregistrar’sdecision, theperson may filean appeal withthe Directorate-General ofRegistries andNotarial Affairsor ask for thedecision to bereviewed byanotherregistrar,assigned by aduty rosterapproved inregulationfashion. He may

appeal to Court as well.

Who handles registration?


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Buying a home involves aseries of costs for thebuyer, and sometimes youare not quite sure why theymust be paid or to whom.They make the initial outlayyou must make to buy ahome considerably larger.That is why you ought to geta clear idea:

Who do I have to pay?

Pay the seller the priceof the home. If you paid asum on account or adeposit before makingthe notarial deed,subtract that sum fromthe price you have to pay

when you sign thepurchase agreement. Itmay be that you signedan agreement securingthe safe conclusion ofthe sale (contrato dearras) and turned in asum to the seller assecurity. If so, subtractthat sum from the pricepayable when you signthe notarial deed.Remember that if youdecide not to buy afterall, you will lose themoney you put up assecurity. If the sellerdecides not to go throughwith the deal, he or shemust give back twice thesum you put up assecurity.

Pay the estate agency.Remember that theperson who ought to paythe estate agency for itsservices is the personwho engaged it.Therefore, if it is theseller who engaged theagency (as generallyhappens), the agency

5Settling the costs of buyinga home

Buying a home involves a seriesof costs. The seller, the estateagency, the notary, the adminis-trative agents and the PropertyRegistry all have to be paid.


can only present itsclaims for payment tothe seller, never thebuyer.

Pay the notary. Thenotary will charge feesaccording to an officialschedule, for authorisingthe deed of purchaseand the mortgage loandeed. It is important foryou to know that by lawthe seller has to pay thefees for theauthorisation of the deedand the buyer has to paythe fees for the copies ofthe deed. The buyer onlyhas to pay all notarialfees if buyer and sellerhave expressly agreed tothat arrangement. Theamount of fees isestablished by theregulation schedule orlist of notarial fees.

Pay administrativeagents the cost of theirservices, if you haveengaged any to take careof paperwork for you. It

is very important toinsist that your agentshow you the originalbills issued by the notaryand the registrar and thetax receipt, so that youwill know how much youhave paid for eachservice.

Pay the property regis-trar the fees charged fordrawing up the entry ofyour right and, if you ha-ve agreed to this, the fe-es charged for registeringthe mortgage. The regis-trar’s fees are establis-hed by a regulation sche-dule or list, which is avai-lable to all users at eachregistration office.

Before making anypayments, demand to seethe bills and make surethey include a breakdowninto the componentcharges, the VAT, and theidentity and identificationnumber of the person orcompany that issued thebill. In the case of bills

from notaries andregistrars, if you do notagree with the items orsums you are beingcharged, you may file anappeal according to theinstructions in the rulesestablishing the feeschedule.

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Links

Association of Property andMercantile Registrars of Spainwww.registradores.org

Office of the President forCatalonia, Association ofRegistrarswww.regcat.org

Office of the President forCastilla-La Mancha,Associationof Registrarswww.registradoresclm.org

State Board of Notarial Affairswww.notariado.org

State Tax Administration Agencywww.aeat.es

Directorate-General of theCadastrewww.catastro.minhac.es

Spanish Confederation ofOrganisations of Homemakers,Consumers and Userswww.ceaccu.org

Organisation of Consumers andUserswww.ocu.org

Association of NationwideConstruction Firmswww.seopan.es

Confederation of Consumers andUserswww.cecu.es

Spanish Mortgage Associationwww.ahe.es

Association of Promoters andBuilders of Spainwww.apce.es

Association of Estate andProperty Managerswww.agif.com

Autonomous Communities

Andalusiawww.juntadeandalucia.es

Aragonwww.aragob.es

Asturiaswww.princast.es

Cantabriawww.gobcantabria.es

Castilla y Leónwww.jcyl.es

Castilla-La Manchawww.jccm.es

Cataloniawww.gencat.es

Extremadurawww.juntaex.es

Galiciawww.xunta.es

Balearic Islandswww.caib.es

Canary Islandswww.gobiernodecanarias.org

La Riojawww.larioja.org

Madridwww.madrid.org

Murciawww.carm.es

Navarrawww.navarra.es

Basque Countrywww.euskadi.net

Valencian Communitywww.gva.es

Ceutawww.ciceuta.es

Melillawww.camelilla.es

Published by: The Association of Property and Mercantile Registrars of Spain


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