I would like to share useful information about banks in Spain if you decide, like us, to buy real estate there. Banks in Catalonia offer very favorable mortgage lending conditions. Your estate agent can help you apply for your NIE. We found our expert on the website https://spain-real.estate. Even if you are not a citizen of the country, you can also take advantage of all the benefits of these banking services. The loan can be issued for the construction of housing secured by this housing, for the purchase secured by existing property, and for the purchase of an apartment in a building under construction. Interest rates are not comparable to the conditions of other banks - 4-5%, with a repayment period of up to ten to thirty-five years, depending on the borrower's age. Taxes are also pleasantly loyal. To buy an apartment in Barcelona on the secondary market, you will only need to pay an 8% transfer tax, and for a primary purchase, you will need to pay 10% VAT. To complete a purchase transaction or get a loan, you need to have a NIE foreigner identification number. All you need is a foreign passport with a valid Spanish visa, a stamp with the date of arrival, several photographs, and a correctly filled out application form. The realtor accompanies the transaction from start to finish, and the seller pays his commission. After all the simple operations, you are the happy owner of real estate in one of the most beautiful cities in Europe!