{"id":613531,"date":"2026-09-04T20:17:57","date_gmt":"2026-09-04T17:17:57","guid":{"rendered":"https:\/\/alegria-premium.com\/?p=613531"},"modified":"2026-09-04T20:17:57","modified_gmt":"2026-09-04T17:17:57","slug":"how-to-buy-new-build-property-in-spain","status":"publish","type":"post","link":"https:\/\/alegria-premium.com\/en\/articles\/how-to-buy-new-build-property-in-spain\/","title":{"rendered":"How to buy a new-build property in Spain in 2026: step-by-step guide"},"content":{"rendered":"<p><strong>In brief:<\/strong><\/p>\n<nav class=\"article-toc\" aria-label=\"Article contents\">\n<div class=\"article-tldr\">\n<ul>\n<li><strong>Where to start:<\/strong> define your purchase goal, region, property type and realistic budget.<\/li>\n<li><strong>Costs:<\/strong> according to the calculation in this article, it is worth budgeting around 12\u201315% on top of the property price.<\/li>\n<li><strong>Documents:<\/strong> you will need an NIE to buy property, and in practice a Spanish bank account is also commonly used.<\/li>\n<li><strong>Due diligence:<\/strong> before making the main payments, it is important to check the developer, the land, permits and the bank guarantee covering advance payments.<\/li>\n<li><strong>Main stages:<\/strong> property selection \u2192 reservation \u2192 legal due diligence \u2192 contract \u2192 payments \u2192 inspection \u2192 notary \u2192 property registration.<\/li>\n<li><strong>Mortgage:<\/strong> according to the article, foreign buyers can usually obtain financing for 60\u201370% of the property value.<\/li>\n<li><strong>Construction period:<\/strong> usually 12 to 24 months depending on the project.<\/li>\n<li><strong>Risks:<\/strong> an unchecked developer, lack of guarantees for advance payments, an insufficient budget and signing documents without legal review.<\/li>\n<\/ul>\n<p><a class=\"article-cta\" href=\"https:\/\/alegria-premium.com\/en\/\">View new-build properties in Spain<\/a><\/p>\n<\/div>\n<nav class=\"article-toc\" aria-label=\"Article contents\">\n<h2>Contents<\/h2>\n<ul>\n<li><a href=\"#purpose\">Step 1. Decide why you are buying the property<\/a><\/li>\n<li><a href=\"#budget\">Step 2. Set your budget with a safety margin<\/a><\/li>\n<li><a href=\"#region-developer\">Step 3. Choose the region and developer<\/a><\/li>\n<li><a href=\"#property-selection\">Step 4. Find a property and make an initial shortlist<\/a><\/li>\n<li><a href=\"#nie\">Step 5. Obtain an NIE<\/a><\/li>\n<li><a href=\"#bank-account\">Step 6. Open a bank account in Spain<\/a><\/li>\n<li><a href=\"#reservation\">Step 7. Reserve the property and sign the reservation agreement<\/a><\/li>\n<li><a href=\"#legal-check\">Step 8. Carry out legal due diligence<\/a><\/li>\n<li><a href=\"#purchase-contract\">Step 9. Sign the purchase agreement<\/a><\/li>\n<li><a href=\"#mortgage\">Step 10. If you need a mortgage, arrange it at this stage<\/a><\/li>\n<li><a href=\"#construction\">Step 11. Monitor the construction process<\/a><\/li>\n<li><a href=\"#inspection\">Step 12. Carry out the final inspection<\/a><\/li>\n<li><a href=\"#notary-registration\">Step 13. Sign before a notary and register ownership<\/a><\/li>\n<li><a href=\"#utilities-taxes\">Step 14. Set up utilities and deal with taxes<\/a><\/li>\n<li><a href=\"#changes-2026\">What changed in 2026<\/a><\/li>\n<li><a href=\"#faq\">FAQ<\/a><\/li>\n<\/ul>\n<\/nav>\n<h2 id=\"purpose\">Step 1. Decide why you are buying the property<\/h2>\n<p>It sounds obvious, but this is exactly where many mistakes begin. Buying an apartment \u201cfor yourself, to live in\u201d, \u201cto rent out\u201d and \u201cas an asset that is simply expected to increase in value\u201d are three completely different scenarios.<\/p>\n<p>They require different locations, different types of property and a different approach to assessing returns.<\/p>\n<p>For permanent living, infrastructure matters: schools, healthcare facilities and shops within walking distance. For rental purposes, especially tourist rentals, proximity to the beach and the availability of a short-term rental licence in the specific municipality are crucial. Such licences are far from universally available, and the rules became stricter in 2026, with some cities freezing the issue of new licences altogether.<\/p>\n<p>If the goal is simply to preserve and grow capital, it is worth looking at developing areas where new construction is only beginning to expand and prices have not yet caught up with neighbouring established locations.<\/p>\n<p>Until you answer this question honestly, there is little point in moving forward.<\/p>\n<h2 id=\"budget\">Step 2. Set your budget with a safety margin<\/h2>\n<p>It is important not to confuse the advertised price of an apartment with the amount you will actually need.<\/p>\n<p>For a new-build property, you should add:<\/p>\n<ul>\n<li>VAT (IVA) \u2013 <strong>10%<\/strong> of the price for residential property, although different rules may apply to some premium properties;<\/li>\n<li>stamp duty (AJD) \u2013 usually <strong>0.5% to 1.5%<\/strong> depending on the region;<\/li>\n<li>notary fees and registration in the Property Registry \u2013 generally <strong>1\u20131.5%<\/strong>;<\/li>\n<li>legal fees \u2013 <strong>1\u20131.5%<\/strong> of the property value, and this is not an area where it makes sense to cut costs;<\/li>\n<li>if you are planning to take out a mortgage \u2013 valuation costs, bank account opening fees and insurance.<\/li>\n<\/ul>\n<p>In total, it is worth budgeting an additional <strong>12\u201315%<\/strong> on top of the apartment price.<\/p>\n<p>Many buyers budget only for the tax and are then surprised by the \u201cextra\u201d thousands of euros that appear at the final stage. It is better to plan for them in advance.<\/p>\n<h2 id=\"region-developer\">Step 3. Choose the region and developer<\/h2>\n<p>Spain is diverse.<\/p>\n<p>The Costa Blanca offers relatively accessible prices and a large international community, the Costa del Sol comes with a higher entry price and stable rental demand, Valencia is seeing growing interest from digital nomads, while Madrid and Barcelona are a different proposition altogether for those looking for the liquidity of major urban markets.<\/p>\n<p>Each region has its own market rhythm, construction pace and particular pressure points \u2013 in some places there is a shortage of land available for development, while elsewhere local authorities are slow to issue permits.<\/p>\n<p>The developer should be checked separately and thoroughly:<\/p>\n<ol>\n<li>How many projects has the developer already completed, and how quickly? This can be checked through the Property Registry (<em>Registro de la Propiedad<\/em>) and through reviews from buyers who have already moved into completed developments.<\/li>\n<li>Does the project have a bank guarantee covering buyers\u2019 funds paid before construction is completed? This is a requirement under Spanish legislation \u2013 Law 20\/2015 and the <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1999-21567\" target=\"_blank\" rel=\"noopener\"><em>Ley de Ordenaci\u00f3n de la Edificaci\u00f3n<\/em><\/a> \u2013 and the developer must open a dedicated account backed by a bank or insurance guarantee. Without this document, you should not hand over money at all, regardless of any discounts or \u201cspecial conditions for quick decisions\u201d.<\/li>\n<li>What condition are the developer\u2019s current construction sites in? One visit to a project is often enough to understand how realistic the promised completion dates are.<\/li>\n<\/ol>\n<div class=\"article-cta-box\">\n<p><strong>Want to compare projects from different developers?<\/strong> The Alegria Premium catalogue features current new-build properties in Spain, with options that can be selected by region and budget.<\/p>\n<p><a href=\"https:\/\/alegria-premium.com\/en\/\">View new-build properties in Spain<\/a><\/p>\n<\/div>\n<h2 id=\"property-selection\">Step 4. Find a property and make an initial shortlist<\/h2>\n<p>This is usually where a reliable real estate agency enters the picture.<\/p>\n<p>Not because it is impossible to find anything without one \u2013 websites such as Idealista and Fotocasa are open to everyone \u2013 but because an agent can see things that are not visible in the listing: the developer\u2019s actual reputation, hidden drawbacks in the layout, or nearby construction projects that may block the view from your window a year later.<\/p>\n<p>At this stage, it is worth putting together a shortlist of 5\u20137 properties and seeing at least some of them in person, ideally all of them.<\/p>\n<p>If you cannot travel to Spain in advance, ask for a live video tour rather than a pre-recorded promotional video with music. The difference is immediately noticeable.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-613533 size-full\" src=\"https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_1.jpg\" alt=\"New-build residential property in Spain\" width=\"1000\" height=\"667\" srcset=\"https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_1.jpg 1000w, https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_1-300x200.jpg 300w, https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_1-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2 id=\"nie\">Step 5. Obtain an NIE<\/h2>\n<p>NIE (<em>N\u00famero de Identificaci\u00f3n de Extranjero<\/em>) is a foreigner identification number without which, according to the article, you cannot buy property, open a bank account or pay taxes in Spain.<\/p>\n<p>There are two ways to obtain it: in person in Spain through a police station (<em>Comisar\u00eda de Polic\u00eda<\/em> or <em>Oficina de Extranjeros<\/em>) or through a Spanish consulate in your country of residence.<\/p>\n<p>The process is not particularly quick, and appointments at consulates are often booked months in advance, so it is worth dealing with your NIE from the very beginning of the buying process rather than waiting until the contract is ready to sign and the seller is pushing you to move quickly.<\/p>\n<p>Many legal firms can also arrange an NIE through a power of attorney, which genuinely saves a lot of stress, especially if you cannot spend time dealing with appointments and queues yourself.<\/p>\n<h2 id=\"bank-account\">Step 6. Open a bank account in Spain<\/h2>\n<p>Formally, Spanish law does not require you to have a Spanish bank account in order to buy property, but in practice almost all payments \u2013 from the reservation deposit to utility bills after moving in \u2013 are made through a local bank.<\/p>\n<p>Tax payments such as IBI and non-resident tax are also more convenient to have debited automatically from a Spanish account than to make an international transfer every time.<\/p>\n<p>To open an account as a non-resident, you will need a passport, NIE \u2013 or confirmation that you have applied for one \u2013, proof of the source of funds and sometimes proof of income.<\/p>\n<p>Some banks allow accounts to be opened remotely, but a full package of banking services is usually available only after an in-person visit to a branch.<\/p>\n<h2 id=\"reservation\">Step 7. Reserve the property and sign the reservation agreement<\/h2>\n<p>Once the apartment has been selected, a relatively small reservation deposit is paid, usually between \u20ac3,000 and \u20ac10,000 depending on the developer and the stage of the project.<\/p>\n<p>This payment takes the property off the market and fixes the price for an agreed period, usually 15\u201330 days, during which legal due diligence must be carried out and the main contract prepared.<\/p>\n<p>This is worth pausing on and saying clearly: the reservation agreement is not a formality.<\/p>\n<p>It should clearly set out the conditions under which the deposit will be refunded if the transaction falls through through no fault of your own.<\/p>\n<p>It is not advisable to sign it without a translation or consultation with a lawyer, even if the developer is smiling warmly and telling you that \u201ceveryone does it this way\u201d.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-613534 size-full\" src=\"https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_3.jpg\" alt=\"New-build property development in Spain\" width=\"1000\" height=\"667\" srcset=\"https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_3.jpg 1000w, https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_3-300x200.jpg 300w, https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_3-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2 id=\"legal-check\">Step 8. Carry out legal due diligence<\/h2>\n<p>This is exactly the stage that people often skip when they are in a hurry \u2013 and regret later.<\/p>\n<p>The lawyer checks:<\/p>\n<ul>\n<li>the legal status of the land and the existence of all necessary construction permits (<em>licencia de obra<\/em>);<\/li>\n<li>that there are no encumbrances, liens or debts attached to the property;<\/li>\n<li>that the project complies with the municipality\u2019s urban development plan;<\/li>\n<li>that there is a bank guarantee covering the advance payments mentioned above;<\/li>\n<li>the terms of the purchase agreement, including penalties for delays in completion on the developer\u2019s side \u2013 yes, these clauses can and should be requested in the contract.<\/li>\n<\/ul>\n<p>A <a href=\"https:\/\/alegria-premium.com\/en\/articles\/realestate\/how-to-check-a-property-in-spain-before-you-buy\/\">property check<\/a> usually takes between one and two weeks.<\/p>\n<p>Trying to save time on it is, frankly, one of the most common causes of future problems for buyers of new-build properties.<\/p>\n<div class=\"article-cta-box\">\n<p><strong>Already chosen a residential development?<\/strong> You can discuss the property and the next stages of the purchase with an Alegria Premium specialist before making the main payments.<\/p>\n<p><a href=\"https:\/\/alegria-premium.com\/en\/contacts\/\">Discuss your purchase<\/a><\/p>\n<\/div>\n<h2 id=\"purchase-contract\">Step 9. Sign the purchase agreement (<em>contrato de compraventa<\/em>)<\/h2>\n<p>Once the checks have been completed, the main contract is signed.<\/p>\n<p>It sets out the full property price, the payment schedule \u2013 usually several instalments linked to stages of construction such as the foundations, structure, roof and final finishes \u2013, the completion deadline, penalties for delays on both sides and the procedure for handing over the keys.<\/p>\n<p>An important detail: every scheduled payment must be transferred specifically to the protected account covered by the bank guarantee mentioned in Step 3.<\/p>\n<p>Check the bank details in the payment instructions. They should match those specified in the guarantee document.<\/p>\n<h2 id=\"mortgage\">Step 10. If you need a mortgage, arrange it at this stage<\/h2>\n<p>Foreign buyers can obtain a <a href=\"https:\/\/alegria-premium.com\/en\/articles\/realestate\/mortgage-spain-2026-rates-requirements-bank-offers\/\">mortgage from a Spanish bank<\/a>, usually for 60\u201370% of the property value, and sometimes slightly more with a strong credit history and stable income.<\/p>\n<p>Fixed mortgage rates in 2026 are around 3\u20134% per year, although the bank will provide exact figures only after assessing the applicant.<\/p>\n<p>The bank will require proof of income for the past two or three years, tax returns, bank statements and sometimes documentation on existing obligations under other loans.<\/p>\n<p>The approval process takes between three and six weeks, so if you are planning to use a mortgage, it is worth starting the application in parallel with the legal due diligence rather than after signing the main contract.<\/p>\n<h2 id=\"construction\">Step 11. Monitor the construction process<\/h2>\n<p>While the building is under construction \u2013 which for new-build developments usually takes between 12 and 24 months depending on the scale of the project \u2013 it is worth keeping track of progress.<\/p>\n<p>Good developers send photo reports themselves and invite buyers for interim visits.<\/p>\n<p>If this does not happen, ask for updates yourself. This is normal practice, not being overly demanding.<\/p>\n<p>If the schedule starts to slip, it is important to refer back to the contract: what does it say about delays and what penalties are provided for?<\/p>\n<p>Minor delays of a couple of months are almost normal on the Spanish market, but if the project has shown no progress for six months, that is already a reason for a serious conversation with a lawyer.<\/p>\n<h2 id=\"inspection\">Step 12. Carry out the final inspection<\/h2>\n<p>Before signing the handover document, the apartment is inspected \u2013 in Spain this is referred to as <em>llaves en mano<\/em>, literally \u201ckeys in hand\u201d.<\/p>\n<p>Everything is checked: plumbing, electrics, windows, the condition of the finishes and whether the floor area corresponds to what is stated in the contract.<\/p>\n<p>If any defects are found, they are recorded in a separate report, and the developer must correct them before the final handover of the property.<\/p>\n<p>Do not hesitate to arrive at the inspection with a notebook and your phone. Record everything on video.<\/p>\n<p>Minor defects such as a door that does not close properly or a chipped tile are found in almost every new-build property. They are not necessarily a reason to panic, but they do need to be documented.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-613535 size-full\" src=\"https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_go-my-media-shutterstock.com_.jpg\" alt=\"Final inspection of a new-build property in Spain\" width=\"1000\" height=\"667\" srcset=\"https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_go-my-media-shutterstock.com_.jpg 1000w, https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_go-my-media-shutterstock.com_-300x200.jpg 300w, https:\/\/alegria-premium.com\/wp-content\/uploads\/2026\/09\/obra_nueva_go-my-media-shutterstock.com_-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2 id=\"notary-registration\">Step 13. Sign before a notary and register ownership<\/h2>\n<p>The final point of the transaction is signing the title deed (<em>escritura p\u00fablica<\/em>) before a notary.<\/p>\n<p>At this stage, the remaining balance is paid, the parties sign the document, and from that moment you officially become the owner.<\/p>\n<p>After signing, the notary sends a copy of the document to the Property Registry (<em>Registro de la Propiedad<\/em>), where registration takes from several weeks to a couple of months.<\/p>\n<p>This is also when the VAT and stamp duty mentioned in Step 2 are paid, so the money for these expenses should be prepared in advance and sitting in the account rather than being \u201csomewhere in transit\u201d.<\/p>\n<h2 id=\"utilities-taxes\">Step 14. Set up utilities and deal with taxes<\/h2>\n<p>Once you receive the keys, the electricity, water and, where applicable, gas contracts need to be transferred into your name.<\/p>\n<p>The developer usually helps with this during the handover stage, but it is better to clarify in advance who is responsible and how long the process will take.<\/p>\n<p>Then begins life as a property-owning taxpayer in Spain:<\/p>\n<ul>\n<li>IBI \u2013 roughly equivalent to a local property tax \u2013 is paid annually to the local municipality, with the rate depending on the cadastral value and municipality;<\/li>\n<li>if you are not a Spanish tax resident and do not rent out the apartment, you still need to pay the so-called imputed non-resident income tax (<em>Impuesto sobre la Renta de No Residentes<\/em>), calculated on the basis of the cadastral value;<\/li>\n<li>if the property is rented out, tax is calculated on the actual rental income, and the rates differ for EU residents and residents of other countries.<\/li>\n<\/ul>\n<p>It is possible to deal with this yourself, but it is easier to find a Spanish tax adviser once and have them handle your annual tax returns.<\/p>\n<p>It is inexpensive and saves a considerable amount of time and stress.<\/p>\n<div class=\"article-cta-box\">\n<p><strong>Looking for a new-build property in Spain?<\/strong> Send us your requirements to discuss suitable options based on your goals, preferred region and budget.<\/p>\n<p><a href=\"https:\/\/alegria-premium.com\/en\/contacts\/\">Request a property selection<\/a><\/p>\n<\/div>\n<h2 id=\"changes-2026\">What changed in 2026<\/h2>\n<p>There are also a few things worth keeping in mind right now.<\/p>\n<p><strong>First<\/strong>, some coastal municipalities have tightened the rules for issuing short-term rental licences, so if the property is being purchased for tourist rentals, this needs to be checked for the specific city before signing the reservation agreement, not afterwards.<\/p>\n<p><strong>Second<\/strong>, interest from digital nomads and remote workers continues to support demand in cities such as Valencia and Alicante, which is having a noticeable effect on the pace of new-build price growth in these areas.<\/p>\n<p><strong>Third<\/strong>, banks have become more attentive when checking the source of funds in large transactions, so documents confirming where the money comes from are best prepared well in advance rather than at the last minute before the notary appointment.<\/p>\n<p><em>At Alegr\u00eda, we go through this journey with our clients from the very first email to the moment the keys are finally in their hands and, to be honest, every time we worry about them a little as if we were buying the property ourselves. Spain is generous with both sunshine and bureaucracy, and our job is to make sure you barely notice the latter. If any of the fourteen steps above have raised questions \u2013 and they almost always do \u2013 get in touch. We will look at your specific situation, without generic answers, and explain where it makes sense for you to start.<\/em><\/p>\n<section id=\"faq\">\n<h2>FAQ: Buying a New-Build Property in Spain<\/h2>\n<details>\n<summary>How much should I budget for additional costs when buying a new-build property in Spain?<\/summary>\n<p>According to the calculation in this article, you should allow around 12\u201315% on top of the apartment price for additional expenses. This amount includes taxes and other costs associated with the transaction.<\/p>\n<\/details>\n<details>\n<summary>Do I need an NIE to buy property in Spain?<\/summary>\n<p>Yes. An NIE is a foreigner identification number without which, according to the article, you cannot buy property, open a bank account or pay taxes.<\/p>\n<\/details>\n<details>\n<summary>How much is the reservation deposit for a new-build property?<\/summary>\n<p>The article states that the reservation deposit is usually between \u20ac3,000 and \u20ac10,000 depending on the developer and the stage of the project. The payment takes the property off the market and fixes the price for the agreed period.<\/p>\n<\/details>\n<details>\n<summary>Can a foreign buyer get a mortgage in Spain?<\/summary>\n<p>Yes. As stated in the article, foreign buyers can obtain a mortgage from a Spanish bank, usually for 60\u201370% of the property value. The exact terms depend on the bank and the borrower\u2019s profile.<\/p>\n<\/details>\n<details>\n<summary>How long does a new-build property in Spain usually take to complete?<\/summary>\n<p>The article gives an indicative construction period of 12 to 24 months depending on the scale of the project. During construction, it is worth monitoring progress and comparing the actual schedule with the contractual deadlines.<\/p>\n<\/details>\n<\/section>\n<p class=\"article-disclaimer\"><small>The information provided does not constitute legal or tax advice and does not constitute a public offer.<\/small><\/p>\n<\/nav>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>In brief: Where to start: define your purchase goal, region, property type and realistic budget. Costs: according to the calculation&#8230;<\/p>\n","protected":false},"author":2,"featured_media":613532,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-613531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to buy a new-build property in Spain in 2026: step-by-step guide<\/title>\n<meta name=\"description\" content=\"How to buy a new-build property in Spain in 2026: 14 steps from choosing a home and getting an NIE to mortgage, notary, and key handover.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alegria-premium.com\/en\/articles\/how-to-buy-new-build-property-in-spain\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to buy a new-build property in Spain in 2026: step-by-step guide\" \/>\n<meta property=\"og:description\" content=\"How to buy a new-build property in Spain in 2026: 14 steps from choosing a home and getting an NIE to mortgage, notary, and key handover.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alegria-premium.com\/articles\/how-to-buy-new-build-property-in-spain\/\" \/>\n<meta property=\"og:site_name\" content=\"New buildings in Spain. 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