Secundo answers your questions

The process involves several steps: selecting the property, making the reservation (with a deposit of €3,000 to €6,000), signing the sale agreement, obtaining the NIE (foreigner's identification number), and finally signing the title deed before the Spanish notary.

Purchase costs represent around 12 to 14% of the property price. They include VAT (10% for new builds) or transfer tax (6-10% for resale properties), notary fees, registration fees and solicitor's fees.

For a new off-plan property, allow 12 to 24 months depending on the progress of construction. For an existing property, the transaction can be completed within 4 to 8 weeks after signing the sale agreement.

Yes, the NIE (Número de Identificación de Extranjero) is essential for any property purchase in Spain. It is a tax number for non-residents. Secundo handles all the formalities to obtain it.

Properties start from €110,000 in Costa Almería and Costa Cálida. In Costa Blanca Sud, allow from €130,000. For the Costa del Sol, prices start at around €200,000. On top of these prices, add 12-14% in purchase costs.

Yes, Spanish banks grant loans to non-residents, generally up to 70% of the property's value. Secundo works with several banking partners to secure the best conditions for you.

The gross rental yield is between 5% and 8% depending on the region and the type of property. Tourist areas such as Costa Blanca Sud or the Costa del Sol offer the best returns thanks to strong demand for seasonal rentals.

No, Secundo does not charge any agency fees. Our complete support is entirely free of charge for the buyer.

Yes. We select properties located in sought-after and liquid areas (popular coastlines, close to the sea and amenities), which makes reselling easier. And when the time comes, Secundo also supports you in reselling: valuation, listing and formalities.

The transfer of a property in Spain follows precise rules (regional inheritance tax, possible Belgian taxation). Our partner solicitors and notaries advise you in advance to anticipate and optimise the transfer to your loved ones.

No, you do not pay twice: a double taxation treaty binds Belgium and Spain. We clearly explain your situation (rental income, capital gains, local taxes) to you before any commitment.

Yes, our on-site team offers a complete rental management service: letting, welcoming tenants, cleaning, maintenance and administrative follow-up. You have nothing to worry about.

Our concierge service carries out regular visits to your property, checks its general condition, manages the post, waters the plants and steps in should any problem arise. You receive regular reports.

Absolutely. Seasonal letting is very popular along the Spanish costas. We take care of all the management: listings, bookings, check-in/check-out, cleaning and maintenance.

Spain has an excellent healthcare system, ranked among the best in the world by the WHO. Residents have access to the public system. For non-residents, private health insurance is recommended (from €50/month).

Your Belgian or European driving licence is valid in Spain. If you become a Spanish tax resident, you will need to exchange your licence for a Spanish one within 6 months.

Non-resident owners in Spain must declare an imputed income tax (approximately 1.1% of the cadastral value × 19% tax). If you let your property, rental income is taxed at 19% for EU residents.

Yes, Secundo is registered with the IPI (Professional Institute of Estate Agents) in Belgium. Our agents hold all the accreditations needed to operate fully lawfully.

The 3-day (2-night) discovery stay includes: accommodation, viewings of properties preselected according to your criteria, exploration of the region, meals and local transport. This stay is refunded in the event of a purchase.

Yes, our support does not stop at the handover of the keys. We offer decoration/furnishing, rental management and concierge services, and remain your dedicated point of contact for any question.