{"id":74815,"date":"2024-10-08T15:18:17","date_gmt":"2024-10-08T15:18:17","guid":{"rendered":"https:\/\/www.immosol.com\/?p=74815"},"modified":"2025-08-27T11:26:17","modified_gmt":"2025-08-27T11:26:17","slug":"obra-nueva-como-se-paga-immosol-promotora-inmobiliaria","status":"publish","type":"post","link":"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/","title":{"rendered":"Buying a new home: how to pay for it"},"content":{"rendered":"<p class=\"has-ast-global-color-2-color has-text-color has-link-color has-medium-font-size wp-elements-294e1797bceefc9cb3306721f0e2bae0\">Buy <a href=\"https:\/\/www.immosol.com\/en\/obra-nueva-para-jovenes-primera-vivienda-sobre-plano\/\">a newly built house is the dream of many people.<\/a> <strong>who are looking for a new home adapted to their needs. However, one of the most frequent doubts that arises in this process is how to pay for the new construction.<\/strong>The financing terms and conditions of the<strong> the deadlines are often different from those of the purchase.<\/strong> of second-hand housing.<\/p>\n\n\n\n<p>We tell you everything you need to know about <strong>how to pay for new housing.<\/strong> From the initial payments to the formalisation of the mortgage. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/#Reserva_de_la_vivienda\" >Reservation of accommodation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/#Contrato_de_compraventa_y_primer_pago\" >Contract of sale and first payment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/#Los_pagos_durante_la_construccion\" >Payments during construction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/#Hipoteca_en_viviendas_de_obra_nueva\" >Mortgages on new housing<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/#Tipos_de_hipotecas\" >Types of mortgages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/#%C2%BFComo_solicitar_una_hipoteca\" >How to apply for a mortgage?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/#Pago_final_y_escritura\" >Final payment and deed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/#Otros_gastos_a_considerar\" >Other expenses to consider<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.immosol.com\/en\/obra-nueva-como-se-paga-immosol-promotora-inmobiliaria\/#A_tener_en_cuenta_al_comprar_obra_nueva\" >Things to consider when buying a new building<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Reserva_de_la_vivienda\"><\/span>Reservation of accommodation <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-bf0e1a4e316c321dae43a5a637fd47b5\"><strong>The first step<\/strong> in the process of purchasing a new home is usually the most important <strong>reservation<\/strong>. <strong>This phase is key<\/strong> to secure property, especially <strong>in promotions with high demand.<\/strong><\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-714a2cff28d50da12e6d31ac11c79a7f\">Normally, <strong>a small amount of money is paid<\/strong> to block the home in your name. This payment may vary <strong>between 1% and 5%<\/strong> of the total value of the property, depending on the developer.<\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-6f486c00191ad1353de0ac7c53bed304\">It is important to <strong>having a good real estate salesperson<\/strong>The owner or, if necessary, the promoter, who will explain all the details of the contract to you. Be clear about the reservation, the following payment procedure and the<strong> deadlines<\/strong> is one of the fundamental roles of any good manager. <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Contrato_de_compraventa_y_primer_pago\"><\/span>Contract of sale and first payment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-b3e84a1ac36faaef925df976445c4fd9\">Once the property has been reserved, the <strong>contract of sale<\/strong>. This document formalises the commitment between the buyer and the developer.<\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-697819188e00a162580b073a88f510f0\">At this point, a more significant amount is usually paid, which <strong>can range from 10% to 30% of the value of the dwelling. <\/strong>This amount varies <strong>according to the type of promotion <\/strong>and the conditions of the promoter.<\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-78460e98275888f6fa34e75bd77e1189\">The contract of sale sets out the <strong>payment terms<\/strong>The conditions for the handover of the property and other important aspects such as <strong>penalties for non-compliance<\/strong> of one of the parties.<\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-584ab60670bcb630c8eac86fe82db928\">In addition, at the moment<strong> it is essential to ensure that the promoter has a guarantee insurance policy<\/strong>which protects the buyer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Los_pagos_durante_la_construccion\"><\/span>Payments during construction <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-361fa7e7b21d2e9fcee984c045718c29\">These payments may be spread over several phases of the project, depending on the duration of the work.<\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-666584329d7af1c30936164051bc1bab\">For example, some developers may require payments every three or six months, or depending on the progress of the work (foundations, structure, etc.).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Hipoteca_en_viviendas_de_obra_nueva\"><\/span>Mortgages on new housing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-0581f557b0840c50883cd05b499dc044\"><strong>In new construction, as in any other type of sale and purchase.<\/strong> There are buyers who need a mortgage and others who can pay cash. In the case of the mortgage. We have to take into account first of all that <strong>Spanish banks offer 50% of the total value of the property for non-residents and 80% for Spaniards.<\/strong> In this regard, let's take a look at the options available. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipos_de_hipotecas\"><\/span>Types of mortgages<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-794cbaf73ee1e7617ba8fcefbefa593b\">There are several types of mortgages, and it is crucial to choose the one that best suits your needs:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\"><strong>Fixed-rate mortgages<\/strong>The interest rate remains constant throughout the life of the loan.<\/li>\n\n\n\n<li class=\"has-medium-font-size\"><strong>Variable rate mortgages<\/strong>The interest rate may vary, usually linked to a benchmark such as Euribor.<\/li>\n\n\n\n<li class=\"has-medium-font-size\"><strong>Mixed mortgages<\/strong>Combines an initial fixed-rate period with a variable-rate period.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_solicitar_una_hipoteca\"><\/span>How to apply for a mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-f82ca635d4f5cefd59311c3d7c7d401b\">To apply for a mortgage, you will need to submit several documents,<strong> such as your ID card, pay slips, purchase contract, etc. <\/strong>and a valuation report of the property. <strong>It is advisable to compare several bank offers<\/strong> to find the best option in terms of interest rates and conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Pago_final_y_escritura\"><\/span>Final payment and deed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-0825e41c69864f48315c46ae8e1e0466\"><strong>The last step in the payment process<\/strong> of a newly built house is the <strong>final payment<\/strong>. This is done at the time of signing of the <strong>deed of sale before a notary.<\/strong><\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-b14ac98415872f0792b3287a51fb9519\"><strong>The remaining amount of the house price<\/strong> is paid at this point in time, and additional costs must be taken into account such as <strong>taxes, notary and land registry.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"Otros_gastos_a_considerar\"><\/span>Other expenses to consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-1d67c78a4efd0d80b8da68043e8a5ab0\">In addition to the price of housing, it is essential to consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\"><strong>Transfer Tax (Impuesto sobre Transmisiones Patrimoniales - ITP)<\/strong> o <strong>VAT<\/strong>depending on whether it is new or second-hand.<\/li>\n\n\n\n<li class=\"has-medium-font-size\"><strong>Notary fees<\/strong> y <strong>registration<\/strong>.<\/li>\n\n\n\n<li class=\"has-medium-font-size\"><strong>Valuation costs<\/strong> if you apply for a mortgage.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><span class=\"ez-toc-section\" id=\"A_tener_en_cuenta_al_comprar_obra_nueva\"><\/span>Things to consider when buying a new building<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-69c681a1ba42e55998fc021994cbaca7\">Saber <strong>how to pay for a new building<\/strong> is essential for anyone considering buying a home. From the initial reservation and payments <strong>during construction through to mortgage and final payment<\/strong>every step requires attention and planning. <\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color has-link-color has-medium-font-size wp-elements-a068ff19c209abd6a060888b64fe7086\">It is advisable to seek the advice of <strong>an expert in the field of real estate and finance<\/strong>You will need to make sure that you make the right decisions and avoid unpleasant surprises. In doing so,<strong> you can enjoy your new home with peace of mind <\/strong>of knowing that everything <strong>the process has been properly managed.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Comprar una vivienda de obra nueva es el sue\u00f1o de muchas personas que buscan estrenar un hogar adaptado a sus necesidades. Sin embargo, una de las dudas m\u00e1s frecuentes que surge en este proceso es c\u00f3mo se paga la obra nueva, ya que las condiciones de financiaci\u00f3n y los plazos suelen ser diferentes a los [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":74818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-74815","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-costa-blanca-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comprar\u00a0una vivienda de obra nueva: c\u00f3mo se paga - Immosol | Promotora inmobiliaria en la Costa Blanca<\/title>\n<meta name=\"description\" content=\"\u00bfPensando en comprar obra nueva y no sabes c\u00f3mo es el proceso de pago? 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