{"id":9542,"date":"2023-11-14T09:25:37","date_gmt":"2023-11-14T08:25:37","guid":{"rendered":"https:\/\/era.archi\/?p=9542"},"modified":"2024-03-14T11:44:55","modified_gmt":"2024-03-14T10:44:55","slug":"mortgage-process-in-barcelona","status":"publish","type":"post","link":"https:\/\/era.archi\/en\/mortgage-process-in-barcelona\/","title":{"rendered":"Mortgage process in Barcelona"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom: 0px;margin-top: 0px;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"margin-top:0px;margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\" style=\"transform:translate3d(0,0,0);\"><h1><span style=\"font-weight: 400;\">Mortgage process in Barcelona\u00a0<\/span><\/h1>\n<p><span style=\"font-weight: 400;\">Despite this post being written for Barcelona it covers the logic applied in all Spain.<br \/>\n<\/span><span style=\"font-weight: 400;\">This post is part of a previous post covering general information about mortgages in Barcelona and Spain.<br \/>\n<\/span><span style=\"font-weight: 400;\">May you need the big scenario, I recommend checking first the post: <\/span><i><span style=\"font-weight: 400;\"><span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff;\" href=\"https:\/\/era.archi\/en\/mortgages-in-barcelona-spain\/\" target=\"_blank\" rel=\"noopener\">Mortgages in Barcelona Spain<\/a><\/strong><\/span>.<\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">May you don\u2019t know us yet, let\u2019s have a quick introduction: we&#8217;re ERA architects.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Actually, I&#8217;m Esther Rovira, architect and passive house designer in Barcelona and Catalonia for either passive houses, efficient houses and positive houses.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">In this post <\/span><i><span style=\"font-weight: 400;\">\u2018Mortgage process in Barcelona&#8217;<\/span><\/i><span style=\"font-weight: 400;\">, you&#8217;ll find the list of basics you need to know before you start your renovation in Barcelona.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">I hope it helps you! Let&#8217;s explore the 4 basics of a positive home renovation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this post we\u2019re covering this process:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-evaluation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property Valuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Placing final offer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sign the <\/span><i><span style=\"font-weight: 400;\">\u2018arras\u2019<\/span><\/i><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The transaction<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Pre-evaluation of your mortgage<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The pre-evaluation process consists of analysing your financials, property use, income type, residency and existing previous debts and assets.<br \/>\n<\/span><span style=\"font-weight: 400;\">In order to do this pre-evaluation, you will need to prepare this information:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Passport copy and current address proof<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employment letter<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank statement (<\/span>3 months for an individual, for a company owner also 3 years of audited accounts and tax returns PLUS a company complete profile)<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Loans &amp; assets<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Payslips of last 3 months<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Tax returns of last 3 years<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Note that most lenders require to find a property before they accept to do a pre-evaluation. This is the case of most banks in Spain. However you may find mortgage companies that are able to assist you on a pre-evaluation before you even have a property.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The pre-evaluation it\u2019s usually for free and can take from 5 to 10 days once you hand in all documents.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you have green light on the pre-evaluation for your mortgage in Barcelona or Spain, then you can move to searching for your property to buy and renovate. Finally place an offer to the seller.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Property valuation<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Once you\u2019ve found a property you love, your mortgage lender will do a property valuation combined with your personal profile to include specific terms to the mortgage such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan amount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage terms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Special conditions\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The terms may vary from the pre-evaluation approval depending on how much time has passed from that first study and also the specific conditions you may have requested.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This can take 15 to 30 days depending on how focused oriented your lender is (and we all know how the bank\u2019s respond when we have an urgent requirement).<\/span><\/p>\n<p>Also make sure that the property that:<\/p>\n<ul>\n<li>is a housing unit (by checking the approved and valid <em>&#8216;c\u00e9dula de habitabilidad&#8217;<\/em> since they expire every 15 years and some sellers sell houses that are registred as offices or local)<\/li>\n<li>is a registred properly (nota simple)<\/li>\n<li>the seller is the owner (sometimes it&#8217;s not or there&#8217;s more family members implied)<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Placing an offer<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">After confirming the terms of the mortgage related to a specific property; you\u2019re set to make an offer for you future desired home to renovate in Barcelona. In case it\u2019s a approved, then the next steps are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay a reservation deposit (1% of the offer)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Set a date to sign the preliminary contract (\u2018arras\u2019 in Spanish)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Search for a Notary\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Sign the \u2018arras\u2019<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It\u2019s highly recommended to specify a mortgage clause in the <\/span><i><span style=\"font-weight: 400;\">\u2018arras\u2019<\/span><\/i><span style=\"font-weight: 400;\"> (preliminary contract) to safeguard a 10% deposit to be recovered in case the lender offers different terms in the final contract. In this way, you\u2019ll be able to recover this deposit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The transaction completion date is agreed during the arras signing date. It depends on the specific needs of each side (seller and buyer). In case no one has any specific conditions, then the time between the arras signature and the full transaction is usually 2 months.\u00a0<\/span><\/p>\n<p>Make sure you get the mortgage pre-approval before you pay that 10%. The reason is, even the &#8216;<em>Arras&#8217;<\/em> is protected by the Catalan law, may any issue appear on the way; sometimes it could be difficult to get back from the seller that 10%.<\/p>\n<h2><span style=\"font-weight: 400;\">The transaction<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When the agreed date comes, you need to go to the notary to review and sign the final offer provided by the bank. This is to confirm you\u2019ve understood all terms and conditions from your mortgage lender.<br \/>\n<\/span><span style=\"font-weight: 400;\">Your lender representative will be present during this final signature in order to deliver the total amount of the purchase considering also taxes, and property related fees.<br \/>\n<\/span><span style=\"font-weight: 400;\">Expect to pay 10% of the purchase price in terms of taxes (\u2018<\/span><i><span style=\"font-weight: 400;\">Impuesto de transmisiones patrimoniales\u2019<\/span><\/i><span style=\"font-weight: 400;\">). Also an extra 2.500\u20ac onwards in terms of paperwork (<\/span><i><span style=\"font-weight: 400;\">\u2018escritura\u2019, \u2018registro propiedad\u2019<\/span><\/i><span style=\"font-weight: 400;\"> and notary services).<\/span><\/p>\n<h2>Conclusions<\/h2>\n<ul>\n<li>\n<h3><strong>Step-by-Step Process:<\/strong><\/h3>\n<ul>\n<li>Outlines the mortgage process in five distinct steps: Pre-evaluation, Property Valuation, Placing Final Offer, Signing the &#8216;Arras,&#8217; and the Transaction.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Pre-Evaluation Process:<\/strong><\/h3>\n<ul>\n<li>Provide essential documents for a pre-evaluation: passport copy, proof of address, employment letters, bank statements, and more.<\/li>\n<li>Some mortgage companies allow pre-evaluations before finding a property, a potential advantage over traditional banks.<\/li>\n<li>The pre-evaluation is typically free and takes 5 to 10 days after submitting all required documents.<\/li>\n<li>After pre-evaluation approval, the search for a property can start.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Property Valuation:<\/strong><\/h3>\n<ul>\n<li>Combines personal profile with property data to define specific mortgage terms.<\/li>\n<li>The terms may vary from pre-evaluation approval and can take 15 to 30 days, depending on the lender&#8217;s responsiveness.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Placing an Offer:<\/strong><\/h3>\n<ul>\n<li>Steps after confirming mortgage terms for a specific property, including paying a reservation deposit and signing a preliminary contract (&#8216;arras&#8217;).<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Arras (preliminary contract):<\/strong><\/h3>\n<ul>\n<li>Include a mortgage clause in the &#8216;arras&#8217; to safeguard a 10% deposit (to recover if the lender offers different terms).<\/li>\n<li>The transaction completion date is agreed upon during the &#8216;arras&#8217; signing, typically taking around 2 months if no specific conditions are present.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Final Transaction Steps:<\/strong><\/h3>\n<ul>\n<li>Reviewing and signing the final offer at the notary, with the lender representative present.<\/li>\n<li>Highlights the expected costs, including 10% of the purchase price for taxes and additional fees for paperwork (2.500\u20ac)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>I hope this post <i><span style=\"font-weight: 400;\">&#8216;Mortgage process in Barcelona&#8217; <\/span><\/i><span style=\"font-weight: 400;\">gives you<\/span><i><span style=\"font-weight: 400;\"> a <\/span><\/i>comprehensive roadmap for navigating the mortgage process in Barcelona so you are able to take strategic decision-making throughout the journey (leave a comment below with your questions and we&#8217;ll answer them to keep on helping you).<\/p>\n<p><span style=\"font-weight: 400;\">Y<\/span><span style=\"font-weight: 400;\">ou\u2019re already moving forward by reading this post until the end. So congrats on your achievement so far!<br \/>\n<\/span><span style=\"font-weight: 400;\">The next baby step is to contact an expert before embarking into this journey.<br \/>\n<\/span><span style=\"font-weight: 400;\">If you want to talk to a specialist on mortgages in Spain who is also a fluent English speaker, you can book your first call <\/span><a href=\"https:\/\/calendly.com\/esther-v6u\/test\"><span style=\"font-weight: 400;\"><strong><span style=\"color: #0000ff;\">here<\/span><\/strong><\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Best of luck on your positive home renovation adventure.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">See you on the next post,<\/span><\/p>\n<div>\n<p><img decoding=\"async\" class=\"alignnone wp-image-7220 size-thumbnail\" src=\"https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-150x150.jpg\" alt=\"architectBarcelona\" width=\"150\" height=\"150\" srcset=\"https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-66x66.jpg 66w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-150x150.jpg 150w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-200x200.jpg 200w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-300x300.jpg 300w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-400x400.jpg 400w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-600x600.jpg 600w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-768x768.jpg 768w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-800x800.jpg 800w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47-1024x1024.jpg 1024w, https:\/\/era.archi\/wp-content\/uploads\/2022\/12\/architectBarcelona47.jpg 1133w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/p>\n<\/div>\n<div><strong><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/www.linkedin.com\/in\/estherrovira\/\" rel=\"noopener noreferrer\">Esther Rovira Raurell<\/a><\/span><\/strong><\/div>\n<div><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/era.archi\/estudio\/\">Architect in Barcelona<\/a> #<a style=\"color: #000000;\" href=\"https:\/\/www.arquitectes.cat\/\" rel=\"noopener noreferrer\">COAC 44234-8<\/a><\/span><\/div>\n<div><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/www.passivhausplaner.eu\/index.php?lang=en-GB\" rel=\"noopener noreferrer\">Passive House Designer<\/a><\/span><\/div>\n<div><span style=\"color: #000000;\">Affiliated to the <a style=\"color: #000000;\" href=\"https:\/\/passivehouse-international.org\/memberSearchDetails.php?member_id=9577\" rel=\"noopener noreferrer\">International Passive House Association<\/a><\/span><\/div>\n<div><span style=\"color: #000000;\">Founder of <a style=\"color: #000000;\" href=\"https:\/\/era.archi\/es\" rel=\"noopener noreferrer\">ERA architects<\/a> <\/span><\/div>\n<div><\/div>\n<p>P.S. Wanna get FREE tips for your project weekly?<strong> <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/mailchi.mp\/70756c2ddba1\/barcelona-green-architect-tips\" target=\"_blank\" rel=\"noopener\">Yas!<\/a><\/span> <\/strong><span style=\"color: #000000;\">or follow us on <a style=\"color: #000000;\" href=\"https:\/\/www.instagram.com\/era.archi\/\" target=\"_blank\" rel=\"noopener noreferrer\">Instagram<\/a>, <a style=\"color: #000000;\" href=\"https:\/\/pin.it\/3Du3dBr\" target=\"_blank\" rel=\"noopener\">Pinterest<\/a>, <a style=\"color: #000000;\" href=\"https:\/\/twitter.com\/ERAarchi\" target=\"_blank\" rel=\"noopener noreferrer\">Twitter<\/a> y <a style=\"color: #000000;\" href=\"https:\/\/www.facebook.com\/ERAarchis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Facebook<\/a><\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":9548,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[603],"tags":[355,138,757,629,751,142,758,795,759,760,623,630,750,628,813,812,665,165],"class_list":["post-9542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-passive-house-architect-barcelona","tag-architect-barcelona","tag-architect-passive-house-barcelona","tag-buy-or-renovate","tag-clt-house","tag-construction-permit-process-spain","tag-english-speaking-architect-barcelona","tag-green-home","tag-green-home-renovation","tag-green-renovation","tag-house-renovation","tag-passive-house-en","tag-passive-house-barcelona","tag-permit-process-spain","tag-positive-house","tag-renovation-barcelona","tag-renovation-subsidies-in-barcelona-2024","tag-solar-energy","tag-wood-house"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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