🏡 Top 7 Questions to Ask Before Buying Property with Cryptocurrency

The idea of buying property with Bitcoin, Ethereum or stablecoins is no longer futuristic—it’s happening now. However, it’s natural to have questions if you’re considering such a significant step.

At VICOX Legal, we’ve helped countless clients navigate real estate transactions using crypto. Here are the top 7 questions you should ask yourself (and us) before taking the plunge.

1️⃣ Is Buying Property with Crypto Legal in My Country?

Yes, in most jurisdictions it is. However, the legal framework varies widely. In Spain, Portugal, the UAE, and other crypto-friendly regions, transactions can be structured securely, but local compliance is key.
✅ Tip: Always work with a law firm experienced in cross-border crypto real estate transactions to ensure full regulatory compliance.

2️⃣ How Does the Payment Process Work?

When you pay in crypto, the seller typically receives either:

• Fiat conversion (BTC/ETH → EUR/USD) via regulated exchange partners
• Direct crypto settlement, if they agree to receive it

We handle both scenarios with escrow-style protection, ensuring funds are only released when all conditions are met.

3️⃣ What Taxes Apply When Buying with Crypto?

You may trigger:

• Capital gains tax if you sell crypto to fund the purchase
• Property transfer taxes (standard for any real estate deal)
  ✅ Our role: We help structure transactions to minimise tax liability and keep you fully compliant.

4️⃣ What About Price Volatility During the Transaction?

Crypto’s volatility is a valid concern. At VICOX Legal, we use instant settlement or stablecoins (e.g., USDT, USDC) to lock in value and protect both buyer and seller from sudden price swings.

5️⃣ Can I Get a Mortgage if I Pay with Crypto?

Traditional banks rarely lend against crypto, but specialised lenders and crypto-backed loans are emerging. We guide clients who prefer financing options rather than paying fully in crypto.

6️⃣ How Do I Verify Ownership and Avoid Fraud?

Property due diligence doesn’t change:

• We verify the title deed, liens, and zoning compliance
• Draft crypto-specific purchase agreements to protect your position
  ✅ Our legal oversight ensures your funds and property rights remain safe.

7️⃣ How Secure Is the Entire Process?

Security is our priority. Transactions are conducted via:

• Cold-wallet escrow setups
• Fully auditable smart contracts (when appropriate)
• KYC-compliant procedures to meet anti-money laundering laws

🎯 Ready to Buy Property with Crypto?

Buying real estate with crypto is not only possible—it’s secure and efficient when handled correctly.

👉 Book a consultation with VICOX Legal today to explore safe, compliant ways to purchase your dream property using Bitcoin, Ethereum, or stablecoins.