{"id":204105,"date":"2020-09-23T17:33:01","date_gmt":"2020-09-23T15:33:01","guid":{"rendered":"https:\/\/alorarealestate.com\/?p=204105"},"modified":"2020-09-23T17:36:27","modified_gmt":"2020-09-23T15:36:27","slug":"hoe-koop-ik-een-huis-in-spanje","status":"publish","type":"post","link":"https:\/\/alorarealestate.com\/costadelsol\/hoe-koop-ik-een-huis-in-spanje\/","title":{"rendered":"Hoe koop ik een huis in Spanje?"},"content":{"rendered":"
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Wilt\u00a0u\u00a0weten\u00a0hoe\u00a0u\u00a0een\u00a0huis\u00a0in\u00a0Spanje\u00a0kunt\u00a0kopen?\u00a0In\u00a0dit\u00a0artikel\u00a0nemen\u00a0we\u00a0u\u00a0mee\u00a0door<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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enkele\u00a0van\u00a0de\u00a0belangrijkste\u00a0verschillen\u00a0met\u00a0het\u00a0<\/span>Ned<\/span>e<\/span>r<\/span>lands<\/span>\u00a0proces\u00a0van\u00a0het\u00a0kopen\u00a0van\u00a0een<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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huis,\u00a0maar\u00a0zorg\u00a0er\u00a0wel\u00a0voor\u00a0dat\u00a0u\u00a0de\u00a0diensten\u00a0van\u00a0een\u00a0professional\u00a0inschakelt\u00a0voordat\u00a0u\u00a0zich<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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verbindt\u00a0aan\u00a0uw\u00a0droomhuis.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Hoe\u00a0vind\u00a0je\u00a0een\u00a0woning\u00a0in\u00a0Spanje?<\/span><\/strong>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Allereerst\u00a0moet\u00a0u\u00a0beslissen\u00a0wat\u00a0voor\u00a0soort\u00a0huis\u00a0u\u00a0<\/span>z<\/span>ou\u00a0willen\u00a0kopen.<\/span>\u00a0Bent\u00a0u\u00a0op\u00a0zoek\u00a0naar\u00a0een<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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appartement\u00a0met\u00a0uitzicht\u00a0op\u00a0zee,\u00a0een\u00a0historisch\u00a0pand\u00a0in\u00a0een\u00a0lokale\u00a0stad\u00a0of\u00a0een\u00a0landelijke<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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finca\u00a0op\u00a0eigen\u00a0terrein?\u00a0Het\u00a0maken\u00a0van\u00a0een\u00a0lijst\u00a0van\u00a0al\u00a0uw\u00a0wensen\u00a0en\u00a0deze\u00a0op\u00a0te\u00a0splitsen\u00a0in<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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'must\u00a0have'\u00a0en\u00a0'nice\u00a0to\u00a0have'\u00a0kan\u00a0u\u00a0veel\u00a0tijd\u00a0besparen\u00a0en\u00a0uw\u00a0zoekproces\u00a0een\u00a0stuk\u00a0effici\u00ebnter<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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maken.\u00a0Bijvoorbeeld\u00a0'Het\u00a0moet\u00a0minimaal\u00a03\u00a0slaapkamers\u00a0hebben'\u00a0en\u00a0'Het\u00a0zou\u00a0leuk\u00a0zijn\u00a0om<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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een\u00a0balkon\u00a0te\u00a0hebben'.<\/span>\u00a0<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Vervolgens\u00a0moet\u00a0u\u00a0eigenschappen\u00a0vinden\u00a0die\u00a0voldoen\u00a0aan\u00a0uw\u00a0wensenlijst.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Vergeet\u00a0zeker\u00a0niet\u00a0een\u00a0loca<\/span>tie\u00a0uit\u00a0te\u00a0kiezen\u00a0die\u00a0voor\u00a0u\u00a0heel\u00a0geschikt\u00a0is.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Wij\u00a0kunnen\u00a0v<\/span>rijblijvend\u00a0voor\u00a0u\u00a0een\u00a0zoekfunctie\u00a0loslaten\u00a0op\u00a0een\u00a0groot\u00a0bestand\u00a0over\u00a0geheel<\/span>\u00a0<\/span><\/a><\/div>\n<\/div>\n
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Andalusi\u00eb.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Het\u00a0aankoopproces<\/span> <\/strong><\/div>\n<\/div>\n<\/div>\n
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In\u00a0eerste\u00a0instantie\u00a0doet\u00a0u\u00a0een\u00a0bod\u00a0op\u00a0het\u00a0onroerend\u00a0goed\u00a0van\u00a0uw\u00a0keuze,\u00a0meestal\u00a0via\u00a0de<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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makelaa<\/span>r<\/span>.\u00a0Als\u00a0het\u00a0aanbod\u00a0wordt\u00a0geaccepteerd<\/span>\u00a0kan\u00a0er\u00a0een\u00a0reservering\u00a0op\u00a0het\u00a0pand\u00a0gedaan<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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worden\u00a0door\u00a0een\u00a0aanbetaling\u00a0die\u00a0zorgt\u00a0dat\u00a0het\u00a0pand\u00a0van\u00a0de\u00a0markt\u00a0gehaald\u00a0wordt\u00a0(meestal<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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tussen\u00a0\u20ac3.000\u00a0en\u00a0\u20ac6.000\u00a0wat\u00a0uiteindelijk\u00a0een\u00a0deel\u00a0is\u00a0<\/span>van<\/span>\u00a0het\u00a0totaalbedrag).\u00a0<\/span>D<\/span>e\u00a0volgende\u00a0stap<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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i<\/span>s\u00a0<\/span>dat\u00a0de\u00a0koper\u00a0en\u00a0de\u00a0verkoper\u00a0een\u00a0voorlopig\u00a0contract\u00a0ondertekenen\u00a0(een\u00a0contrato\u00a0privado<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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de\u00a0compraventa\u00a0genaamd)\u00a0en\u00a0de\u00a0koper\u00a0betaalt\u00a0dan\u00a0een\u00a0aanbetaling,\u00a0meestal\u00a010%\u00a0van\u00a0de<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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aankoopprijs.\u00a0Eventuele\u00a0controles\u00a0(regelgeving<\/span>\u00a0en<\/span>\u00a0bouwonderzoeken)\u00a0die\u00a0u\u00a0wilt\u00a0uitvoeren,<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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moeten\u00a0voor\u00a0dit\u00a0punt\u00a0zijn\u00a0uitgevoerd.\u00a0Dit\u00a0is\u00a0vooral\u00a0belangrijk\u00a0als\u00a0u\u00a0overweegt\u00a0om\u00a0een<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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landelijke\u00a0woning\u00a0te\u00a0kopen\u00a0(terreno\u00a0no\u00a0urbanizable)\u00a0waar\u00a0het\u00a0niet\u00a0altijd\u00a0duidelijk\u00a0is\u00a0wat\u00a0er<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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binnen\u00a0de\u00a0regelgeving\u00a0is\u00a0gebouwd\u00a0en\u00a0wat\u00a0er\u00a0illegaal\u00a0is\u00a0gebouwd.<\/span>\u00a0<\/span>Wij\u00a0kunnen\u00a0u\u00a0hierin\u00a0voor<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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80%\u00a0informeren\u00a0maar\u00a0de\u00a0rest\u00a0zal\u00a0een\u00a0advocaat\u00a0moeten\u00a0uitzoeken.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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U\u00a0moet\u00a0er\u00a0ook\u00a0rekening\u00a0mee\u00a0houden\u00a0dat\u00a0als\u00a0u\u00a0een\u00a0woning\u00a0koopt\u00a0die\u00a0in\u00a0puin\u00a0ligt,\u00a0of\u00a0waar<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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sommige\u00a0van\u00a0de\u00a0bijgebouwen\u00a0in\u00a0puin\u00a0liggen,\u00a0het\u00a0niet\u00a0altijd\u00a0gemakkelijk\u00a0is\u00a0om\u00a0deze<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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puinhopen\u00a0terug\u00a0te\u00a0brengen\u00a0naar\u00a0de\u00a0leefomstandigheden.\u00a0De\u00a0exacte\u00a0regelgeving\u00a0is<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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afhankelijk\u00a0van\u00a0de\u00a0regio,\u00a0maar\u00a0in\u00a0de\u00a0meeste\u00a0gevallen\u00a0zal\u00a0een\u00a0ru\u00efne\u00a0een\u00a0gedeeltelijk\u00a0of<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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volledig\u00a0intact\u00a0dak\u00a0nodig\u00a0hebben\u00a0om\u00a0toestemming\u00a0te\u00a0krijgen\u00a0om\u00a0het\u00a0te\u00a0renoveren.\u00a0<\/span>H<\/span>et\u00a0is<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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noodzakelijk\u00a0dat\u00a0u\u00a0dit\u00a0controleert\u00a0met\u00a0een\u00a0lokale\u00a0architect\u00a0of\u00a0rechtstreeks\u00a0met\u00a0de\u00a0bevoegde<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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raad.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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De\u00a0koper\u00a0regelt\u00a0dan\u00a0desgewenst\u00a0een\u00a0hypotheek,\u00a0hoewel\u00a0hij\u00a0zijn\u00a0behoeften\u00a0al\u00a0met\u00a0de<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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hypotheekverstrekker\u00a0had\u00a0moeten\u00a0bespreken.\u00a0Spanje\u00a0heeft\u00a0sinds\u00a02008\u00a0een\u00a0zeer\u00a0ernstige<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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vastgoedcrisis\u00a0doorgemaakt,\u00a0waardoor\u00a0het\u00a0voor\u00a0banken\u00a0veel\u00a0moeilijker\u00a0is\u00a0geworden\u00a0om\u00a0een<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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hypotheek\u00a0te\u00a0krijgen.\u00a0<\/span>Voor\u00a0een\u00a0hypotheek\u00a0kunnen\u00a0wij\u00a0u\u00a0een\u00a0gecertificeerde<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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hypotheekbemiddelaar<\/span>\u00a0adviseren\u00a0die\u00a0de\u00a0beste\u00a0voorwaarden\u00a0bij\u00a0verschillende\u00a0banken\u00a0voor\u00a0u<\/span>
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\u00a0<\/span>opvraagt.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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De\u00a0volgende\u00a0fase\u00a0is\u00a0dat\u00a0het\u00a0koopcontract\u00a0(escritura\u00a0de\u00a0compraventa)\u00a0<\/span>di<\/span>e\u00a0<\/span>wordt\u00a0ondertekend<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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bij<\/span>\u00a0een\u00a0notaris,\u00a0waarbij\u00a0de\u00a0volledige\u00a0verkoopprijs,\u00a0belastingen\u00a0en\u00a0andere\u00a0kosten\u00a0verschuldigd<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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zijn.\u00a0Als\u00a0u\u00a0op\u00a0dit\u00a0punt\u00a0niet\u00a0in\u00a0Spanje\u00a0woont,\u00a0wordt\u00a0u\u00a0geadviseerd\u00a0om\u00a0een\u00a0advocaat\u00a0via\u00a0een<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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volmacht\u00a0toegang\u00a0te\u00a0geven\u00a0tot\u00a0uw\u00a0bankrekening,\u00a0zodat\u00a0hij\u00a0naar\u00a0de\u00a0bank\u00a0kan\u00a0gaan,\u00a0de<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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bankcheque\u00a0kan\u00a0innen\u00a0en\u00a0vervolgens\u00a0naar\u00a0de\u00a0notaris\u00a0kan\u00a0gaan\u00a0om\u00a0op\u00a0uw\u00a0naam\u00a0te\u00a0tekenen,<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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de\u00a0verkoper\u00a0te\u00a0betalen\u00a0en\u00a0de\u00a0eventueel\u00a0verschuldigde\u00a0belastingen\u00a0te\u00a0betalen.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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In\u00a0het\u00a0kort\u00a0het\u00a0proces.<\/span> <\/strong><\/div>\n<\/div>\n<\/div>\n
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1.<\/span>Koper\u00a0doet\u00a0een\u00a0bod<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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2.<\/span>Verkoper\u00a0accepteert\u00a0het\u00a0bod<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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3.<\/span>Koper<\/span>\u00a0betaalt\u00a0en\u00a0tekent\u00a0reservering<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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4.<\/span>Koper<\/span>\u00a0tekent\u00a0voorlopig\u00a0koopcontract\u00a0met\u00a0de\u00a0daarbij\u00a0behorende\u00a010%\u00a0van\u00a0de<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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koopsom<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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5.<\/span>Indien\u00a0nodig\u2026koper\u00a0zorgt\u00a0voor\u00a0een\u00a0hypotheek<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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6.<\/span>Verkoopacte\u00a0wordt\u00a0getekend\u00a0bij\u00a0de\u00a0notaris\u00a0(<\/span>escritura<\/span>)<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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7.<\/span>Restant\u00a0aan\u00a0open\u00a0betalingen\u00a0worden\u00a0betaald<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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8.<\/span>Wettelijke\u00a0belastingen\u00a0worden\u00a0betaald<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Wettelijke\u00a0vereisten<\/span>\u00a0<\/span><\/strong><\/div>\n<\/div>\n<\/div>\n
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Zelfs\u00a0als\u00a0het\u00a0niet\u00a0wettelijk\u00a0verplicht\u00a0is\u00a0om\u00a0de\u00a0verkoop\u00a0af\u00a0te\u00a0ronden,\u00a0is\u00a0het\u00a0zeer\u00a0aan\u00a0te\u00a0raden<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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om\u00a0gebruik\u00a0te\u00a0maken\u00a0van\u00a0de\u00a0diensten\u00a0van\u00a0een\u00a0notaris\u00a0om\u00a0een\u00a0vlotte\u00a0overgang\u00a0van\u00a0het<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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onroerend\u00a0goed\u00a0te\u00a0verzekeren.\u00a0Dit\u00a0zal\u00a0ook\u00a0een\u00a0vereiste\u00a0zijn\u00a0voor\u00a0de\u00a0meeste\u00a0hypotheken.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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De\u00a0verkoper\u00a0is\u00a0officieel\u00a0verantwoordelijk\u00a0voor\u00a0eventuele\u00a0verborgen\u00a0gebreken\u00a0in\u00a0het<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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onroerend\u00a0goed,\u00a0zelfs\u00a0als\u00a0deze\u00a0onbekend\u00a0zijn.\u00a0In\u00a0de\u00a0praktijk\u00a0kan\u00a0het\u00a0echter\u00a0moeilijk\u00a0en<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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kostbaar\u00a0zijn\u00a0om\u00a0voor\u00a0dergelijke\u00a0gebreken\u00a0een\u00a0vergoeding\u00a0te\u00a0krijgen.\u00a0Als\u00a0u\u00a0niet\u00a0zeker\u00a0bent<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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over\u00a0de\u00a0staat\u00a0van\u00a0een\u00a0woning,\u00a0kunt\u00a0u\u00a0het\u00a0beste\u00a0een\u00a0onderzoek\u00a0laten\u00a0uitvoeren\u00a0door\u00a0een<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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onafhankelijke\u00a0derde\u00a0partij\u00a0voordat\u00a0u\u00a0de\u00a0borg\u00a0betaalt\u00a0of\u00a0als\u00a0voorwaarde\u00a0voor\u00a0het\u00a0betalen<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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van\u00a0de\u00a0gehele\u00a0som\u00a0bij\u00a0het\u00a0betalen\u00a0van\u00a0de\u00a0borg.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Het\u00a0is\u00a0uw\u00a0verantwoordelijkheid\u00a0als\u00a0koper\u00a0om\u00a0alle\u00a0kosten\u00a0en\u00a0belastingen\u00a0in\u00a0verband\u00a0met\u00a0de<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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aankoop\u00a0van\u00a0een\u00a0huis\u00a0te\u00a0betalen.\u00a0Als\u00a0u\u00a0heeft\u00a0besloten\u00a0om\u00a0gebruik\u00a0te\u00a0maken\u00a0van\u00a0de\u00a0diensten<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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van\u00a0een\u00a0advocaat,\u00a0zal\u00a0deze\u00a0u\u00a0kunnen\u00a0adviseren\u00a0over\u00a0alles\u00a0wat\u00a0u\u00a0moet\u00a0weten.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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De\u00a0koper\u00a0is\u00a0ook\u00a0verantwoordelijk\u00a0voor\u00a0de\u00a0registratie\u00a0van\u00a0de\u00a0woning.\u00a0De\u00a0notaris\u00a0kan\u00a0deze<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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dienst\u00a0tegen\u00a0betaling\u00a0leveren\u00a0en\/of\u00a0kan\u00a0het\u00a0registratiekantoor\u00a0op\u00a0de\u00a0hoogte\u00a0brengen\u00a0van\u00a0de<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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verkoop,\u00a0zonder\u00a0de\u00a0volledige\u00a0registratie\u00a0af\u00a0te\u00a0ronden.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Financieringsaankoop:\u00a0deposito's\u00a0en\u00a0hypotheken<\/span><\/strong><\/div>\n<\/div>\n<\/div>\n
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Na\u00a0de\u00a0kredietcrisis\u00a0van\u00a02008\u00a0zijn\u00a0de\u00a0Spaanse\u00a0banken\u00a0zwaar\u00a0geherstructureerd\u00a0met\u00a0een<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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aanzienlijke\u00a0internationale\u00a0betrokkenheid\u00a0van\u00a0de\u00a0EU\u00a0en\u00a0het\u00a0IMF.\u00a0Als\u00a0gevolg\u00a0daarvan\u00a0keuren<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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de\u00a0banken\u00a0minder\u00a0hypotheken\u00a0goed\u00a0en\u00a0zijn\u00a0de\u00a0hypotheekrentes\u00a0en\u00a0-voorwaarden\u00a0minder<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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gunstig\u00a0geworden.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Een\u00a0ding\u00a0om\u00a0te\u00a0weten\u00a0is\u00a0dat\u00a0de\u00a0waarde\u00a0die\u00a0de\u00a0banken\u00a0aan\u00a0een\u00a0onroerend\u00a0goed\u00a0toekennen<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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heel\u00a0anders\u00a0kan\u00a0zijn\u00a0dan\u00a0de\u00a0werkelijke\u00a0marktprijs.\u00a0Bovendien\u00a0kunt\u00a0u\u00a0voor\u00a0een\u00a0woning\u00a0op\u00a0het<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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platteland\u00a0alleen\u00a0nog\u00a0maar\u00a0een\u00a0hypotheek\u00a0krijgen\u00a0voor\u00a0<\/span>7<\/span>0%\u00a0van\u00a0de\u00a0taxatie\u00a0van\u00a0de\u00a0woning<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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door\u00a0de\u00a0bank.\u00a0Het\u00a0is\u00a0daarom\u00a0absoluut\u00a0noodzakelijk\u00a0dat\u00a0u\u00a0eerst\u00a0met\u00a0een\u00a0bank\u00a0praat\u00a0voordat\u00a0u<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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een\u00a0aanbetaling\u00a0doet.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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In\u00a0Spanje\u00a0zullen\u00a0hypotheekverstrekkers\u00a0pas\u00a0een\u00a0hypotheekovereenkomst\u00a0afsluiten\u00a0als\u00a0u<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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eigenaar\u00a0bent\u00a0van\u00a0een\u00a0woning.\u00a0Daarom\u00a0is\u00a0het\u00a0belangrijk\u00a0om\u00a0een\u00a0clausule\u00a0in\u00a0het\u00a0contract\u00a0op<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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te\u00a0nemen\u00a0die\u00a0het\u00a0mogelijk\u00a0maakt\u00a0om\u00a0de\u00a0overeenkomst\u00a0te\u00a0be\u00ebindigen\u00a0als\u00a0u\u00a0geen\u00a0hypotheek<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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kunt\u00a0krijgen.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Vergoedingen\u00a0en\u00a0kosten<\/span> <\/strong><\/div>\n<\/div>\n<\/div>\n
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De\u00a0meeste\u00a0kosten\u00a0zijn\u00a0voor\u00a0rekening\u00a0van\u00a0de\u00a0koper\u00a0in\u00a0Spanje\u00a0en\u00a0de\u00a0kosten\u00a0zullen\u00a0aanzienlijk<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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verschillen\u00a0van\u00a0regio\u00a0tot\u00a0regio.\u00a0In\u00a0de\u00a0regel\u00a0zullen\u00a0de\u00a0extra\u00a0kosten\u00a0en\u00a0vergoedingen\u00a0die\u00a0de<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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koper\u00a0betaalt\u00a0tussen\u00a0<\/span>10<\/span>-1<\/span>5<\/span>%\u00a0van\u00a0de\u00a0aankoopprijs\u00a0bedragen\u00a0en\u00a0omvatten:<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Overdrachtsbelasting\u00a010\u00a0procent\u00a0(bestaande\u00a0eigendommen);<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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BTW\u00a0(of\u00a0IVA)\u00a0tegen\u00a010\u00a0procent\u00a0(alleen\u00a0nieuwe\u00a0eigendommen);<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Notariskosten,\u00a0belasting\u00a0op\u00a0de\u00a0eigendomsakte\u00a0en\u00a0kadastrale\u00a0registratiekosten\u00a01-2,5\u00a0procent;<\/span><\/div>\n<\/div>\n<\/div>\n
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Juridische\u00a0kosten\u00a01-2\u00a0procent\u00a0(inclusief\u00a0BTW).<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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De\u00a0kosten\u00a0van\u00a0de\u00a0makelaar\u00a0worden\u00a0betaald\u00a0door\u00a0de\u00a0verkoper<\/span>.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Het\u00a0kiezen\u00a0van\u00a0een\u00a0betrouwbare\u00a0advocaat<\/span>\u00a0<\/span><\/strong><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span>Het\u00a0is\u00a0sterk\u00a0aanbevolen\u00a0om\u00a0een\u00a0onafhankelijke\u00a0advocaat\u00a0te\u00a0kiezen\u00a0die\u00a0gespecialiseerd\u00a0is\u00a0in<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Spaans\u00a0grondrecht\u00a0(urbanismo).\u00a0Wij\u00a0raden\u00a0u\u00a0aan\u00a0om\u00a0ook\u00a0te\u00a0controleren\u00a0of\u00a0uw\u00a0toekomstige<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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advocaat\u00a0is\u00a0ingeschreven\u00a0bij\u00a0de\u00a0plaatselijke\u00a0balie\u00a0(Colegio\u00a0de\u00a0Abogados).\u00a0Dit\u00a0garandeert<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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natuurlijk\u00a0geen\u00a0bekwaamheid,\u00a0maar\u00a0zorgt\u00a0er\u00a0in\u00a0ieder\u00a0geval\u00a0voor\u00a0dat\u00a0u\u00a0te\u00a0maken\u00a0heeft\u00a0met<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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een\u00a0offici\u00eble\u00a0advocaat.<\/span>\u00a0<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Het\u00a0Spaanse\u00a0eigendomsoverdrachtsysteem\u00a0is\u00a0anders\u00a0dan\u00a0het\u00a0<\/span>Nederlan<\/span>dse\u00a0en\u00a0Belgische<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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systeem,\u00a0dus\u00a0u\u00a0moet\u00a0ervoor\u00a0zorgen\u00a0dat\u00a0degenen\u00a0die\u00a0betrokken\u00a0zijn\u00a0bij\u00a0de\u00a0transactie<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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gekwalificeerd\u00a0en\u00a0ervaren\u00a0zijn\u00a0in\u00a0Spanje.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Tot\u00a0slot\u00a0is\u00a0het\u00a0het\u00a0vermelden\u00a0waard\u00a0dat\u00a0makelaars\u00a0in\u00a0Spanje\u00a0vaak\u00a0in\u00a0staat\u00a0zullen\u00a0zijn\u00a0om\u00a0een<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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advocaat\u00a0aan\u00a0te\u00a0bevelen.\u00a0<\/span>Wij\u00a0kunnen\u00a0u\u00a0een\u00a0zeer\u00a0goede\u00a0advocaat\u00a0adviseren\u00a0van\u00a0een\u00a0groo<\/span>t<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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kantoor\u00a0die\u00a0veel\u00a0kennis\u00a0heeft\u00a0over\u00a0het\u00a0kopen\u00a0van\u00a0een\u00a0huis\u00a0in\u00a0het\u00a0binnenland.\u00a0Voor\u00a0de<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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kuststreken\u00a0gelden\u00a0andere\u00a0eisen\u00a0en\u00a0registraties\u00a0waarvoor\u00a0meerdere\u00a0goede\u00a0advocaten<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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beschikbaar\u00a0zijn.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Hoe\u00a0betaalt\u00a0u\u00a0uw\u00a0huis\u00a0in\u00a0Spanje?<\/span>\u00a0<\/span><\/strong><\/div>\n<\/div>\n<\/div>\n
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De\u00a0laatste\u00a0stap;\u00a0hoe\u00a0betaalt\u00a0u\u00a0uw\u00a0huis\u00a0in\u00a0Spanje.\u00a0Ten\u00a0eerste\u00a0moet\u00a0u\u00a0een\u00a0Spaanse<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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bankrekening\u00a0openen.\u00a0Er\u00a0zijn\u00a0verschillende\u00a0banken\u00a0die\u00a0een\u00a0bankrekening\u00a0speciaal\u00a0voor<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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expats\u00a0ter\u00a0beschikking\u00a0stellen,\u00a0waar\u00a0u\u00a0een\u00a0rekening\u00a0kunt\u00a0openen\u00a0met\u00a0alleen\u00a0uw\u00a0paspoort\u00a0en<\/span><\/div>\n
uw N.I.E.<\/span>\u00a0<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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Geld\u00a0overmaken\u00a0voor\u00a0aankoop\u00a0in\u00a0het\u00a0buitenland<\/span>\u00a0<\/span><\/strong><\/div>\n<\/div>\n<\/div>\n
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Nu\u00a0heeft\u00a0u\u00a0waarschijnlijk\u00a0een\u00a0bankrekening\u00a0in\u00a0<\/span>Nederl<\/span>and\u00a0of\u00a0Belgi\u00eb<\/span>\u00a0met\u00a0uw\u00a0budget\u00a0en\u00a0zult\u00a0u<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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dit\u00a0geld\u00a0naar\u00a0uw\u00a0Spaanse\u00a0bankrekening\u00a0moeten\u00a0overmaken<\/span>\u00a0<\/span>of\u00a0naar\u00a0uw\u00a0legaal<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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vertegenwoordiger\/advocaat<\/span>.<\/span>\u00a0<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n
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<\/div>\n<\/div>\n<\/div>\n
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Daar\u00a0heb\u00a0je\u00a0het,\u00a0alles\u00a0wat\u00a0je\u00a0moet\u00a0weten\u00a0over\u00a0het\u00a0kopen\u00a0van\u00a0een\u00a0huis\u00a0in\u00a0Spanje.\u00a0Laat\u00a0het\u00a0ons<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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weten\u00a0in\u00a0de\u00a0commentaren\u00a0als\u00a0u\u00a0nog\u00a0vragen\u00a0heeft\u00a0of\u00a0persoonlijke\u00a0verhalen\u00a0wilt\u00a0delen\u00a0over<\/span>\u00a0<\/span><\/div>\n<\/div>\n
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het\u00a0kopen\u00a0van\u00a0een\u00a0huis\u00a0in\u00a0het\u00a0buitenland.<\/span>\u00a0<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Wilt\u00a0u\u00a0weten\u00a0hoe\u00a0u\u00a0een\u00a0huis\u00a0in\u00a0Spanje\u00a0kunt\u00a0kopen?\u00a0In\u00a0dit\u00a0artikel\u00a0nemen\u00a0we\u00a0u\u00a0mee\u00a0door\u00a0 enkele\u00a0van\u00a0de\u00a0belangrijkste\u00a0verschillen\u00a0met\u00a0het\u00a0Nederlands\u00a0proces\u00a0van\u00a0het\u00a0kopen\u00a0van\u00a0een\u00a0 huis,\u00a0maar\u00a0zorg\u00a0er\u00a0wel\u00a0voor\u00a0dat\u00a0u\u00a0de\u00a0diensten\u00a0van\u00a0een\u00a0professional\u00a0inschakelt\u00a0voordat\u00a0u\u00a0zich\u00a0 verbindt\u00a0aan\u00a0uw\u00a0droomhuis.\u00a0 \u00a0 Hoe\u00a0vind\u00a0je\u00a0een\u00a0woning\u00a0in\u00a0Spanje?\u00a0 Allereerst\u00a0moet\u00a0u\u00a0beslissen\u00a0wat\u00a0voor\u00a0soort\u00a0huis\u00a0u\u00a0zou\u00a0willen\u00a0kopen.\u00a0Bent\u00a0u\u00a0op\u00a0zoek\u00a0naar\u00a0een\u00a0 appartement\u00a0met\u00a0uitzicht\u00a0op\u00a0zee,\u00a0een\u00a0historisch\u00a0pand\u00a0in\u00a0een\u00a0lokale\u00a0stad\u00a0of\u00a0een\u00a0landelijke\u00a0 finca\u00a0op\u00a0eigen\u00a0terrein?\u00a0Het\u00a0maken\u00a0van\u00a0een\u00a0lijst\u00a0van\u00a0al\u00a0uw\u00a0wensen\u00a0en\u00a0deze\u00a0op\u00a0te\u00a0splitsen\u00a0in\u00a0 ‘must\u00a0have’\u00a0en\u00a0‘nice\u00a0to\u00a0have’\u00a0kan\u00a0u\u00a0veel\u00a0tijd\u00a0besparen\u00a0en\u00a0uw\u00a0zoekproces\u00a0een\u00a0stuk\u00a0effici\u00ebnter\u00a0 maken.\u00a0Bijvoorbeeld\u00a0‘Het\u00a0moet\u00a0minimaal\u00a03\u00a0slaapkamers\u00a0hebben’\u00a0en\u00a0‘Het\u00a0zou\u00a0leuk\u00a0zijn\u00a0om\u00a0 een\u00a0balkon\u00a0te\u00a0hebben’.\u00a0\u00a0 Vervolgens\u00a0moet\u00a0u\u00a0eigenschappen\u00a0vinden\u00a0die\u00a0voldoen\u00a0aan\u00a0uw\u00a0wensenlijst.\u00a0 Vergeet\u00a0zeker\u00a0niet\u00a0een\u00a0locatie\u00a0uit\u00a0te\u00a0kiezen\u00a0die\u00a0voor\u00a0u\u00a0heel\u00a0geschikt\u00a0is.\u00a0 \u00a0 Wij\u00a0kunnen\u00a0vrijblijvend\u00a0voor\u00a0u\u00a0een\u00a0zoekfunctie\u00a0loslaten\u00a0op\u00a0een\u00a0groot\u00a0bestand\u00a0over\u00a0geheel\u00a0 Andalusi\u00eb.\u00a0 \u00a0 Het\u00a0aankoopproces In\u00a0eerste\u00a0instantie\u00a0doet\u00a0u\u00a0een\u00a0bod\u00a0op\u00a0het\u00a0onroerend\u00a0goed\u00a0van\u00a0uw\u00a0keuze,\u00a0meestal\u00a0via\u00a0de\u00a0 makelaar.\u00a0Als\u00a0het\u00a0aanbod\u00a0wordt\u00a0geaccepteerd\u00a0kan\u00a0er\u00a0een\u00a0reservering\u00a0op\u00a0het\u00a0pand\u00a0gedaan\u00a0 worden\u00a0door\u00a0een\u00a0aanbetaling\u00a0die\u00a0zorgt\u00a0dat\u00a0het\u00a0pand\u00a0van\u00a0de\u00a0markt\u00a0gehaald\u00a0wordt\u00a0(meestal\u00a0 tussen\u00a0\u20ac3.000\u00a0en\u00a0\u20ac6.000\u00a0wat\u00a0uiteindelijk\u00a0een\u00a0deel\u00a0is\u00a0van\u00a0het\u00a0totaalbedrag).\u00a0De\u00a0volgende\u00a0stap\u00a0 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80%\u00a0informeren\u00a0maar\u00a0de\u00a0rest\u00a0zal\u00a0een\u00a0advocaat\u00a0moeten\u00a0uitzoeken.\u00a0 \u00a0 U\u00a0moet\u00a0er\u00a0ook\u00a0rekening\u00a0mee\u00a0houden\u00a0dat\u00a0als\u00a0u\u00a0een\u00a0woning\u00a0koopt\u00a0die\u00a0in\u00a0puin\u00a0ligt,\u00a0of\u00a0waar\u00a0 sommige\u00a0van\u00a0de\u00a0bijgebouwen\u00a0in\u00a0puin\u00a0liggen,\u00a0het\u00a0niet\u00a0altijd\u00a0gemakkelijk\u00a0is\u00a0om\u00a0deze\u00a0 puinhopen\u00a0terug\u00a0te\u00a0brengen\u00a0naar\u00a0de\u00a0leefomstandigheden.\u00a0De\u00a0exacte\u00a0regelgeving\u00a0is\u00a0 afhankelijk\u00a0van\u00a0de\u00a0regio,\u00a0maar\u00a0in\u00a0de\u00a0meeste\u00a0gevallen\u00a0zal\u00a0een\u00a0ru\u00efne\u00a0een\u00a0gedeeltelijk\u00a0of\u00a0 volledig\u00a0intact\u00a0dak\u00a0nodig\u00a0hebben\u00a0om\u00a0toestemming\u00a0te\u00a0krijgen\u00a0om\u00a0het\u00a0te\u00a0renoveren.\u00a0Het\u00a0is\u00a0 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De\u00a0volgende\u00a0fase\u00a0is\u00a0dat\u00a0het\u00a0koopcontract\u00a0(escritura\u00a0de\u00a0compraventa)\u00a0die\u00a0wordt\u00a0ondertekend\u00a0 bij\u00a0een\u00a0notaris,\u00a0waarbij\u00a0de\u00a0volledige\u00a0verkoopprijs,\u00a0belastingen\u00a0en\u00a0andere\u00a0kosten\u00a0verschuldigd\u00a0 zijn.\u00a0Als\u00a0u\u00a0op\u00a0dit\u00a0punt\u00a0niet\u00a0in\u00a0Spanje\u00a0woont,\u00a0wordt\u00a0u\u00a0geadviseerd\u00a0om\u00a0een\u00a0advocaat\u00a0via\u00a0een\u00a0 volmacht\u00a0toegang\u00a0te\u00a0geven\u00a0tot\u00a0uw\u00a0bankrekening,\u00a0zodat\u00a0hij\u00a0naar\u00a0de\u00a0bank\u00a0kan\u00a0gaan,\u00a0de\u00a0 bankcheque\u00a0kan\u00a0innen\u00a0en\u00a0vervolgens\u00a0naar\u00a0de\u00a0notaris\u00a0kan\u00a0gaan\u00a0om\u00a0op\u00a0uw\u00a0naam\u00a0te\u00a0tekenen,\u00a0 de\u00a0verkoper\u00a0te\u00a0betalen\u00a0en\u00a0de\u00a0eventueel\u00a0verschuldigde\u00a0belastingen\u00a0te\u00a0betalen.\u00a0 \u00a0 In\u00a0het\u00a0kort\u00a0het\u00a0proces. 1.Koper\u00a0doet\u00a0een\u00a0bod\u00a0 […]<\/p>\n","protected":false},"author":315,"featured_media":204106,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2048,1320],"tags":[2105,2101,2097,2103,2099,2107],"class_list":["post-204105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-leven-in-spanje","category-vastgoed","tag-aankoop-woning-spanje","tag-huis-kopen","tag-huis-kopen-in-spanje","tag-huis-kopen-spanje","tag-huisaankoop","tag-huiskopen-spanje"],"acf":[],"yoast_head":"\nHoe koop ik een huis in Spanje? | Alora Makelaar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alorarealestate.com\/costadelsol\/hoe-koop-ik-een-huis-in-spanje\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hoe koop ik een huis in Spanje? | Alora Makelaar\" \/>\n<meta property=\"og:description\" content=\"Wilt\u00a0u\u00a0weten\u00a0hoe\u00a0u\u00a0een\u00a0huis\u00a0in\u00a0Spanje\u00a0kunt\u00a0kopen?\u00a0In\u00a0dit\u00a0artikel\u00a0nemen\u00a0we\u00a0u\u00a0mee\u00a0door\u00a0 enkele\u00a0van\u00a0de\u00a0belangrijkste\u00a0verschillen\u00a0met\u00a0het\u00a0Nederlands\u00a0proces\u00a0van\u00a0het\u00a0kopen\u00a0van\u00a0een\u00a0 huis,\u00a0maar\u00a0zorg\u00a0er\u00a0wel\u00a0voor\u00a0dat\u00a0u\u00a0de\u00a0diensten\u00a0van\u00a0een\u00a0professional\u00a0inschakelt\u00a0voordat\u00a0u\u00a0zich\u00a0 verbindt\u00a0aan\u00a0uw\u00a0droomhuis.\u00a0 \u00a0 Hoe\u00a0vind\u00a0je\u00a0een\u00a0woning\u00a0in\u00a0Spanje?\u00a0 Allereerst\u00a0moet\u00a0u\u00a0beslissen\u00a0wat\u00a0voor\u00a0soort\u00a0huis\u00a0u\u00a0zou\u00a0willen\u00a0kopen.\u00a0Bent\u00a0u\u00a0op\u00a0zoek\u00a0naar\u00a0een\u00a0 appartement\u00a0met\u00a0uitzicht\u00a0op\u00a0zee,\u00a0een\u00a0historisch\u00a0pand\u00a0in\u00a0een\u00a0lokale\u00a0stad\u00a0of\u00a0een\u00a0landelijke\u00a0 finca\u00a0op\u00a0eigen\u00a0terrein?\u00a0Het\u00a0maken\u00a0van\u00a0een\u00a0lijst\u00a0van\u00a0al\u00a0uw\u00a0wensen\u00a0en\u00a0deze\u00a0op\u00a0te\u00a0splitsen\u00a0in\u00a0 'must\u00a0have'\u00a0en\u00a0'nice\u00a0to\u00a0have'\u00a0kan\u00a0u\u00a0veel\u00a0tijd\u00a0besparen\u00a0en\u00a0uw\u00a0zoekproces\u00a0een\u00a0stuk\u00a0effici\u00ebnter\u00a0 maken.\u00a0Bijvoorbeeld\u00a0'Het\u00a0moet\u00a0minimaal\u00a03\u00a0slaapkamers\u00a0hebben'\u00a0en\u00a0'Het\u00a0zou\u00a0leuk\u00a0zijn\u00a0om\u00a0 een\u00a0balkon\u00a0te\u00a0hebben'.\u00a0\u00a0 Vervolgens\u00a0moet\u00a0u\u00a0eigenschappen\u00a0vinden\u00a0die\u00a0voldoen\u00a0aan\u00a0uw\u00a0wensenlijst.\u00a0 Vergeet\u00a0zeker\u00a0niet\u00a0een\u00a0locatie\u00a0uit\u00a0te\u00a0kiezen\u00a0die\u00a0voor\u00a0u\u00a0heel\u00a0geschikt\u00a0is.\u00a0 \u00a0 Wij\u00a0kunnen\u00a0vrijblijvend\u00a0voor\u00a0u\u00a0een\u00a0zoekfunctie\u00a0loslaten\u00a0op\u00a0een\u00a0groot\u00a0bestand\u00a0over\u00a0geheel\u00a0 Andalusi\u00eb.\u00a0 \u00a0 Het\u00a0aankoopproces In\u00a0eerste\u00a0instantie\u00a0doet\u00a0u\u00a0een\u00a0bod\u00a0op\u00a0het\u00a0onroerend\u00a0goed\u00a0van\u00a0uw\u00a0keuze,\u00a0meestal\u00a0via\u00a0de\u00a0 makelaar.\u00a0Als\u00a0het\u00a0aanbod\u00a0wordt\u00a0geaccepteerd\u00a0kan\u00a0er\u00a0een\u00a0reservering\u00a0op\u00a0het\u00a0pand\u00a0gedaan\u00a0 worden\u00a0door\u00a0een\u00a0aanbetaling\u00a0die\u00a0zorgt\u00a0dat\u00a0het\u00a0pand\u00a0van\u00a0de\u00a0markt\u00a0gehaald\u00a0wordt\u00a0(meestal\u00a0 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