Are bank valuations conservative?

Usually yes — banks value 5–10% below market to protect their loan.

Can foreigners buy property in Spain?

Yes. There are no restrictions on foreigners buying property in Spain. You'll need an NIE number and a Spanish bank account; that's it.

No. Many buyers on the Costa Blanca are non-residents who use their property as a holiday or rental home. Residency only matters for tax purposes.

How to get a realistic valuation before listing — and the difference between bank valuations and market price.

Agents provide free CMA-style valuations using recent comparable sales. Get 2–3.

An official tasación by a licensed appraiser costs €300–€600 and is required for mortgages.

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Complete buyer's guide from NIE to notary.

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