Can foreigners buy property in Spain without being residents?

Yes. Spain imposes no general restrictions on foreign property ownership. EU and non-EU nationals may purchase freely regardless of residency status. The key requirement is obtaining an NIE before completing the transaction.

What taxes apply when buying property in Spain as a non-resident?

For resale properties, the main acquisition tax is ITP, typically ranging from 6% to 13% depending on the region and property value. New builds attract VAT (10%) plus stamp duty. Total acquisition costs typically represent 11–14% on top of the purchase price.

Can I complete the purchase without travelling to Spain?

Yes. Through a notarial power of attorney, your Vicox Legal team can represent you at every stage without requiring your physical presence in Spain.

What mortgage conditions apply to non-resident buyers?

Spanish banks typically offer non-residents financing of up to 60–70% of the property value. You should have approximately 40% of the total cost available in cash.

Does Vicox Legal also advise on wealth structuring after the purchase?

Yes. We advise across Spain, Portugal, Luxembourg and Switzerland within a single engagement, covering holdings, SOPARFI structures and international family office setups.

Buy Real Estate with Crypto

Vicox Legal is a specialized law firm assisting clients who want to buy real estate with crypto in multiple jurisdictions. We provide full legal support for cryptocurrency real estate transactions, including Bitcoin property purchases, USDT settlements, and crypto-to-fiat structuring.

We operate in Spain, Portugal, Dubai, Miami, Oman and Greece, ensuring regulatory compliance, AML verification and tax-efficient transaction structures in each jurisdiction.

How to Buy Real Estate with Crypto: A Step-by-Step Guide

1. Onboarding:

This initial phase ensures compliance for clients who intend to buy property with cryptocurrency under applicable AML and financial regulations.

Your journey will begin with the onboarding process into our client registry, which will require, among other actions, filling out a small form with your personal information or that of your company, including your NIF (or NIE), your legal residence, and the wallet addresses to be used for payment.
This information will serve as the basis for our decision to accept you as a client or not.

Throughout the process, your right to privacy will be ensured, and we will comply with data protection regulations applicable in the United Arab Emirates, as well as international regulations related to anti-money laundering (AML). Our response will be provided within a maximum of 48 hours.
For more efficient communication, a direct channel will be set up between you and one of our lawyers.

2. Private Contract:

Once your suitability as a client has been confirmed, our contractual relationship will begin with the signing of a private contract detailing our services throughout the entire sales process.

3. Property Reservation:

Once you have explored the various property options and made your choice, your future property will be reserved (and taken off the market) by signing a deposit contract with the owners. We facilitate a direct and secure process.

Typically, we do not involve ourselves in property searching; either you provide an option, or we provide you with a list of trusted real estate agencies.

4. Due Diligence:

Our commitment to impeccable transactions is reflected in a thorough due diligence process, which includes examining titles, property records, municipal licenses, public services and taxes, and the possible existence of unregistered charges, thus ensuring a purchase free of encumbrances and debts. We study the background of the property and assist in the signing of reservation contracts, earnest money contracts, and attendance at the Notary. We also offer tax advice for UAE residents, providing comprehensive assistance.

This legal review is essential when purchasing real estate with Bitcoin or other digital assets, as additional regulatory scrutiny may apply.

5. Cryptocurrency Exchange Service:

Our firm coordinates the cryptocurrency exchange process required to buy real estate with crypto, including Bitcoin, USDT, USDC and ETH transactions. We manage the secure conversion of digital assets into fiat currency when required by local notarial or banking regulations.

6. Deed:

A date will be set for the notarial signing, assistance will be provided with notarial powers, taxes will be paid, and the property will be registered in your name. Opt for our compliance report (AML) service for a detailed report, available for €1,500 + VAT.

7. Post-Deed:

After signing and taking possession, rely on us to handle annual tax payments for non-residents, ensuring ongoing compliance with legal obligations.

What services we offer?

Crypto Lawyer

Crypto Real Estate Consulting

Start The Process To Buy A House With Bitcoin

PRIVATE CONSULTING

We know your doubts. For this reason, we put at your disposal an advisor who provides consulting services to resolve all your tax doubts at the moment. Book your appointment online immediately, choose the day and time that best suits your needs and we will accompany you in all your efforts.

Why Work with a Crypto Real Estate Lawyer?

Buying property with cryptocurrency involves regulatory, tax and banking considerations that differ from traditional transactions. Working with an experienced crypto real estate lawyer ensures legal certainty, compliance with AML requirements and proper structuring of digital asset transfers.

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Also Available

Buying with Traditional Funds?

If you are purchasing with euros or traditional financing, we provide the same institutional-level legal coverage — NIE, due diligence, contract negotiation and tax structuring across Spain, Portugal and Luxembourg.

Learn About Traditional Property Purchases →

Buy Real Estate with Crypto in Multiple Jurisdictions

🇪🇸 Spain

We assist clients who want to buy real estate with crypto in Spain, ensuring full compliance with Spanish property law, AML regulations and notarial requirements.

🇵🇹 Portugal

Our legal team structures cryptocurrency real estate transactions in Portugal, including tax planning and regulatory coordination.

🇦🇪 Dubai (UAE)

We coordinate buy property with crypto transactions in Dubai, ensuring compliance with UAE regulatory frameworks and settlement structures.

🇺🇸 United States (Florida)

Legal guidance for Bitcoin property purchases and cryptocurrency real estate acquisitions in Florida, including compliance and transactional structuring.