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05 Oct 2011 00:00 by Irene&Alan Star rating in Formentera del Segur.... 703 posts Send private message

Irene&Alan´s avatar

I have tried searching but haven´t been able to find a step-by-step guide to the process. Can anyone help?

We have a lawyer working on the sale of our apartment, but intend to do the purchase ourselves, but just so we don´t miss anything, can anyone give us a guide?

Can the utilities be organised in advance of the signing at the notary?

If SUMA´s have been paid by the seller, do we have to repay that? ... and vice versa as we´ve just paid our SUMA for the coming year.

If we´ve sold our apartment and presumably have something like a bankers draft, can we use that in the purchase? If not, how do we get the funds from the sale converted to use for the purchase in one day?

Thanks in advance

Irene & Alan

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05 Oct 2011 09:41 by Faro Star rating in London. 1139 posts Send private message

If you are asking these questions then I think you are crazy going it alone. Also the purchase has more risk than the sale.

But if you insist then I would suggest you buy a copy of David Searl's book "YOU & THE LAW IN SPAIN". It's available up and down the coast in all the English type bookshops.

But I'm sure you could find a lawyer who would do you a very good deal on the 2 transactions ignoring scale fees etc!

Also it's likely if you avail of your solicitors client account you will save yourself considerable banking fees as it's likely your bank will charge a high % for cashing and issuing the required cheque bancario for completion. I suggest you pop in and ask your bank haow much they will charge to cash a cheque bancario in the amount of EUR?????? and how much to later issue a cheque bancario in the amount of EUR??????. Please make sure your sitting at the time!!! 

As regards SUMA if you mean IBI then I believe the law says the person who owns the property on 1st Jan pays for the full year but in practice these costs are now time apportioned but really to avoid arguments at the notary the pre-contracts are important and without a contract you could find yourself paying the notary fees on the sale etc. the pre-contracts set should set everything out in black and white and then any unresolved matters are normally dealt with by way of retention etc

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