How to Buy Property in Spain as a Foreigner (2025 Guide) and Why Calpe Is the Best Choice

Buying a property in Spain as a foreigner is an accessible, safe, and highly advantageous process. Every year, thousands of Europeans choose areas like the Costa Blanca to establish their home, invest, or enjoy a second residence.
Among all destinations, Calpe stands out as one of the most attractive places to buy thanks to its exceptional climate, safety, gastronomy, beaches, and overall quality of life.

In this complete guide, you’ll find all the steps to buy property in Spain as a foreigner, and the reasons why Calpe is the perfect place for your new home or real estate investment.

1. Can foreigners buy property in Spain?

Yes. Any foreigner, whether a resident or non-resident, can buy a property in Spain without special requirements. Your nationality does not matter—Spain’s legal process is transparent and fully regulated.

To begin, you only need one essential document: the NIE (Foreigner Identification Number), required for any property purchase in the country.

2. Getting the NIE: the first step to buying property in Spain

The NIE is your tax number, which allows you to sign documents, open a bank account, and finalize the property purchase.

Where can you apply for it?

• In Spain: at a police station

• In your country: at the Spanish consulate

• Remotely: through a lawyer or legal representative

Required documents:

• Passport

• Form EX-15

• Proof of purpose (property purchase)

• Administrative fee

Average processing time: 1 to 4 weeks.

3. Why so many foreigners choose to buy property in Calpe (Costa Blanca)

Calpe has become a top destination for buyers from the Netherlands, Belgium, Germany, France, England, Poland,and Nordic countries. Here’s why:

✔ Perfect all-year climate

Over 300 days of sunshine and mild temperatures—ideal for living, remote work, or retirement.

✔ Stunning beaches and a unique natural environment

Calpe offers some of the best beaches on the Costa Blanca, the iconic Peñón de Ifach, and protected natural areas.

✔ Safety and high quality of life

A peaceful and secure environment with top-quality services: hospitals, international supermarkets, schools, and excellent restaurants.

✔ A dynamic and stable real estate market

Ideal for living or for investing, with excellent returns through holiday rentals or long-term rentals.

✔ International community

More than 50% of residents are foreigners, making integration easy and natural.

✔ Close to airports

Less than 1 hour from Alicante and Valencia.

If you're looking to buy property in Spain as a foreigner, Calpe is one of the very best choices available today.

4. Choosing the ideal property in Calpe: key steps

When searching for property in Calpe, define your objective:

• Year-round living: quiet residential areas with nearby services

• Second residence: sea-view areas or close to the beach

• Investment: areas with high rental demand and solid returns

Foreign buyers should review:

• Legal documentation

• Community of owners status

• Building licenses

• Outstanding debts or mortgages

• Energy certificate

• Annual taxes (IBI and fees)

Working with a real estate agency specialized in Calpe and international clients guarantees safety, speed, and fewer mistakes.

5. Reservation or deposit contract: securing your property

Once you choose a property, you sign an arras contract and pay an initial deposit (usually between €3,000 and €10,000, or a negotiated percentage).

This document establishes:

• Price

• Deadlines

• Conditions

• Obligations of both parties

The property is then reserved and removed from the market.

6. Private purchase contract

Before the notary appointment, a private contract is signed, detailing:

• Final price

• Payment method

• Dates

• Inventory (if furniture is included)

Typically, 10% to 20% of the property price is paid at this stage.

7. Notary signing and property registration

The purchase is formalized at a notary in Calpe or in the province of Alicante.

Documents needed:

• Passport

• NIE

• Proof of funds

• Bank cheque or certified transfer

After signing:

• You receive an immediate simple copy

• The deed is registered, and the property officially becomes yours

8. Getting a mortgage in Spain as a foreigner

Many foreigners can obtain a mortgage without being residents.

Typical conditions:

• 60%–70% financing

• Up to 25 years

• Fixed or variable rates

• Proof of income required

Spanish banks are very experienced in working with international clients.

9. Taxes when buying property in Spain

New property:

• VAT: 10%

• Stamp duty (AJD): 1%–1.5%

Resale property:

• ITP: 6%–10% depending on the region

Other costs:

• Notary

• Registry

• Lawyer

• Administrative fees

• Appraisal (if mortgage is needed)

In total, expect 10%–13% additional costs on top of the property price.

10. Buying from abroad without coming to Spain

If you live abroad, you can buy a property in Calpe without traveling, using:

• Power of attorney

• Digital signatures

• Video calls

• Full legal representation

This is very common for European buyers.

11. Living in Calpe: residence options

Buying a property does not automatically grant residency, but it can help apply for:

• Non-lucrative residency

• Golden Visa (if investing €500,000 or more)

• Work or self-employment residency

12. Tips for buying property in Calpe safely

• Always request an updated nota simple

• Never pay without a contract

• Verify charges and licenses

• Review the community of owners

• Work with a professional real estate agency

• Ensure secure bank payments

• Seek independent legal advice

Buying in Calpe is safe, simple, and highly profitable when done professionally.

Conclusion: Buying property in Calpe is the best investment for foreigners in Spain

Spain is one of the most attractive countries in the world for living and investing, and Calpe is emerging as one of the strongest real estate markets on the Costa Blanca.

Its perfect weather, beaches, safety, services, and strong international community make it an ideal place to buy a home—whether as a residence, investment, or holiday property.

If you're thinking about buying property in Spain as a foreigner, Calpe is the ideal choice.

Want to receive exclusive properties in Calpe before they hit the market?

We can help you find:

• Luxury villas

• Sea-view apartments

• New-build homes

• Investment opportunities

• Unique and private properties

Contact us and we will guide you through the entire process—step by step.

📞 +34 606 646 417
🌐 www.euroecu.com

EuroEcu — Real estate agency specialized in international buyers in Calpe